CN109523408A

CN109523408A - Identity identifying method, insurance institution's server and the user terminal of insured people

Info

Publication number: CN109523408A
Application number: CN201811292523.2A
Authority: CN
Inventors: 陈国华; 刘洋
Original assignee: Ping An Medical and Healthcare Management Co Ltd
Current assignee: Shenzhen Ping An Medical Health Technology Service Co Ltd
Priority date: 2018-10-31
Filing date: 2018-10-31
Publication date: 2019-03-26

Abstract

The embodiment of the present application discloses the identity identifying method, insurance institution's server and user terminal of a kind of insured people, wherein method includes: to receive the ID authentication request for carrying out user terminal, the type identification for the insurance money that identity information and its needs in the ID authentication request including the first user are got, the ID authentication request are that the user terminal is generated according to the operation of second user；First user qualification authentication information corresponding with the type mark is obtained according to the identity information, if the qualification authentication information indicates that first user has and gets the qualification that the type identifies identified insurance money, then obtain the facial image of second user, identity authentication result is obtained to second user progress authentication according to the facial image and the identity authentication result is sent to the user terminal, which is used to indicate whether the second user and first user are same user.The efficiency that authentication is carried out to insured people can be improved in the embodiment of the present application.

Description

Identity identifying method, insurance institution's server and the user terminal of insured people

Technical field

The present invention relates to field of medical technology more particularly to a kind of identity identifying methods of insured people, insurance institution's service Device and user terminal.

Background technique

In order to prevent someone emit draw one's pension, industrial injury reparation etc. insurance moneys, insured people need that insurance institution is gone to carry out in person Authentication, this makes authentication efficiency extremely low.Specific manifestation are as follows: on the one hand, insured people needs the hardship by fatigue of hurrying back and forth Insurance money could be successfully got, and the retired to receive the old-age pension is old old man, will hurry back and forth safety every year Structure carries out the health that unified authentication is unfavorable for the retired, or the employee for getting industrial injury reparation has wound to exist Body goes to insurance institution to carry out the physical recovery that authentication is unfavorable for the wounded in person；On the other hand, wait in line to carry out body in turn Part certification can also waste the insured people a large amount of time.

Summary of the invention

Technical problems to be solved in this application are how to improve the efficiency that authentication is carried out to insured people.

In a first aspect, the embodiment of the present application provides the identity identifying method of insured people a kind of, which comprises

User terminal generates ID authentication request according to the operation of second user, and the ID authentication request is sent to Insurance institution's server includes that the identity information of the first user and first user need to lead in the ID authentication request The type identification of the insurance money taken；

It is corresponding with the type identification to obtain first user according to the identity information for insurance institution's server Qualification authentication information；

If the qualification authentication information indicates that first user has and gets the insurance money that the type identification is identified Qualification, then insurance institution's server obtains the facial image of second user, and according to the facial image to described the Two users carry out authentication and obtain identity authentication result；

The identity authentication result is sent to the user terminal, the authentication knot by insurance institution's server Fruit is used to indicate whether the second user and first user are same user.

Second aspect, the embodiment of the present application provide the identity identifying method of insured people a kind of, are applied to insurance institution and take Business device, which comprises

The ID authentication request for carrying out user terminal is received, includes the identity letter of the first user in the ID authentication request The type identification for the insurance money that breath and first user need to get, the ID authentication request is the user terminal root It is generated according to the operation of second user；

First user qualification authentication information corresponding with the type identification is obtained according to the identity information, if institute It states qualification authentication information and indicates that first user has the qualification for getting the insurance money that the type identification is identified, then obtain The facial image of second user, and authentication is carried out to the second user according to the facial image and obtains authentication knot Fruit；

The identity authentication result is sent to the user terminal, the identity authentication result is used to indicate described second Whether user and first user are same user.

As an alternative embodiment, the facial image for obtaining second user, comprising:

Facial image acquisition instruction is generated, and the facial image acquisition instruction is sent to the user terminal, so that The user terminal obtains the facial image of the second user；

Receive the facial image that the user terminal returns.

As an alternative embodiment, it is described according to the identity information, obtain first user and the class Type identifies corresponding qualification authentication information, comprising:

According to the identity information, the ginseng for the insurance money whether first user is identified by the type identification is judged Guarantor；

If so, obtaining first user qualification authentication information corresponding with the type identification.

As an alternative embodiment, described carry out authentication to the second user according to the facial image Obtain identity authentication result, comprising:

Extract face characteristic information of the characteristic information as the second user in the facial image；

According to the identity information, the face characteristic information of first user is obtained；

The face characteristic information of the second user is matched with the face characteristic information of first user；

Identity authentication result is generated according to matching result.

As an alternative embodiment, described generate identity authentication result according to matching result, comprising:

If the face characteristic information of the second user is matched with the face characteristic information of first user, is generated One identity authentication result, first identity authentication result be authentication success, be used to indicate the second user with it is described First user is same user；

If the face characteristic information of the second user and the face characteristic information of first user mismatch, generate Second identity authentication result, second identity authentication result are authentication failure, are used to indicate the second user and institute Stating the first user not is same user.

The third aspect, the embodiment of the present application provide the identity identifying method of insured people a kind of, are applied to user terminal, institute The method of stating includes:

ID authentication request is generated according to the operation of second user, and the ID authentication request is sent to insurance institution Server includes the identity information of the first user and the insurance that first user needs to get in the ID authentication request Gold type identification so that insurance institution's server according to the identity information determine first user have get When the qualification for the insurance money that the type identification is identified, according to the facial image of the second user to the second user into Row authentication obtains identity authentication result；

The identity authentication result that insurance institution's server returns is received, the identity authentication result is used to indicate Whether the second user and first user are same user.

As an alternative embodiment, the method also includes:

The facial image acquisition instruction that insurance institution's server is sent is received, the facial image acquisition instruction is used for Indicate the facial image of the acquisition second user；

In response to the facial image acquisition instruction, the facial image of the second user is obtained, and by the face figure As being sent to insurance institution's server, so that facial image pair of the insurance institution's server according to the second user The second user carries out authentication and obtains identity authentication result.

As an alternative embodiment, it is described by the facial image be sent to insurance institution's server it Before, the method also includes:

Vivo identification is carried out to the second user according to the facial image；

If it is determined that the second user is living body, then executes and described the facial image is sent to the insurance institution takes The step of business device.

Fourth aspect, the embodiment of the present application provide a kind of insurance institution's server, and insurance institution's server includes For executing the module and unit of the method for above-mentioned second aspect.

5th aspect, the embodiment of the present application provide a kind of user terminal, and the user terminal includes above-mentioned for executing The module of the method for the third aspect.

6th aspect, the embodiment of the present application provide another insurance institution's server, insurance institution's server packet Bus, processor and memory are included, the processor and memory are connected with each other by the bus, wherein the memory For storing the computer program for supporting insurance institution's server to execute the above method, the computer program includes that program refers to It enables, the processor is configured for calling described program instruction, the method for executing above-mentioned second aspect.

7th aspect, the embodiment of the present application provide another user terminal, and the user terminal includes bus, processing Device and memory, the processor and memory are connected with each other by the bus, wherein the memory is for storing branch The computer program that user terminal executes the above method is held, the computer program includes program instruction, and the processor is matched It sets for calling described program to instruct, the method for executing the above-mentioned third aspect.

Eighth aspect, the embodiment of the present application provide a kind of computer readable storage medium, the computer storage medium It is stored with computer program, the computer program includes program instruction, and described program instruction makes institute when being executed by a processor State the method that processor executes above-mentioned second aspect.

9th aspect, the embodiment of the present application provide a kind of computer readable storage medium, the computer storage medium It is stored with computer program, the computer program includes program instruction, and described program instruction makes institute when being executed by a processor State the method that processor executes the above-mentioned third aspect.

In the embodiment of the present application, user terminal (such as mobile phone, tablet computer) can be used to know by face for insured people Not carry out authentication to get insurance money (such as old-age pension, industrial injury compensate), without going to insurance institution to carry out identity in person Certification, so that insured people can get insurance money staying indoors, eliminates the hardship that the fatigue of insured people is hurried back and forth, has saved ginseng The time of guarantor improves the efficiency (efficiency that insured people gets insurance money in other words) that authentication is carried out to insured people.This Outside, by carrying out authentication to insured people, it can prevent someone from falsely claiming as one's own insurance money.

Detailed description of the invention

Technical solution in ord to more clearly illustrate embodiments of the present application, below will be to needed in embodiment description Attached drawing is briefly described, it should be apparent that, the accompanying drawings in the following description is some embodiments of the present application, general for this field For logical technical staff, without creative efforts, it is also possible to obtain other drawings based on these drawings.

Fig. 1 is a kind of schematic flow diagram of the identity identifying method of insured people provided by the embodiments of the present application；

Fig. 2 is the schematic flow diagram of the identity identifying method of the insured people of another kind provided by the embodiments of the present application；

Fig. 3 is the schematic flow diagram of the identity identifying method of another insured people provided by the embodiments of the present application；

Fig. 4 is a kind of schematic block diagram of insurance institution's server provided by the embodiments of the present application；

Fig. 5 is a kind of schematic block diagram of user terminal provided by the embodiments of the present application；

Fig. 6 is the schematic block diagram of another insurance institution server provided by the embodiments of the present application；

Fig. 7 is the schematic block diagram of another user terminal provided by the embodiments of the present application.

Specific embodiment

Below in conjunction with the attached drawing in the embodiment of the present application, the embodiment of the present application is illustrated.

It is a kind of signal stream of the identity identifying method of insured people provided by the embodiments of the present application referring firstly to Fig. 1, Fig. 1 Cheng Tu.The identity identifying method of insured people as shown in Figure 1 may include:

S11, user terminal generate ID authentication request according to the operation of second user.

Specifically, the operation of above-mentioned second user can open the client installed in user terminal for the second user, And authentication instruction is inputted in the client.Wherein, include the identity information of the first user in authentication instruction, be somebody's turn to do The type identification for the insurance money that first user needs to get and the mark of insurance institution, the insurance institution are first user purchase Buy the insurance institution of the insurance money.Authentication instruction is used to indicate the user terminal and recognizes second user progress identity Card, to determine whether the second user and first user are same user.

Wherein, which can be the web browser being mounted in the user terminal, instant message applications or special Insurance software.To, which can find the webpage that authentication is carried out to insured people in web browser, and Input authentication instruction in the web page；The public affairs that authentication is carried out to insured people can also be found in instant message applications Many numbers or small routine, and authentication instruction is inputted in the public platform or small routine；Special insurance software can also be logged in, And authentication instruction is inputted in the insurance software.

When receiving the authentication instruction inputted by the client, which can be generated authentication and asks It asks.Wherein, the insurance money that the identity information in the ID authentication request including first user, first user need to get The mark of type identification and the insurance institution.

The ID authentication request is sent to insurance institution's server by S12, the user terminal.

Wherein, which is the server being arranged in the insurance institution, and the ID authentication request is for asking Ask insurance institution's server to carry out authentication to the second user, with determine the second user and first user whether be Same user.In embodiments herein, the insurance institution service implement body can by execute step S13~S15 come pair The second user carries out authentication.

S13, insurance institution's server obtain first user and the type identification according to the identity information Corresponding qualification authentication information.

Specifically, when the type difference for the insurance money for needing to get as first user, the qualification authentication information that needs It may be different.

For example, the qualification authentication information needed can be only first use when first user needs to receive the old-age pension The identity information at family is only just able to know that whether first user has bought endowment insurance and insured gold by identity information The insured information such as volume.

For another example when first user needs to get industrial injury reparation, the qualification authentication information needed not only include this The identity information of one user further includes the condition of the injury expert evidence of first user.In this case, insurance institution's server It not only needs to detect whether first user has bought work-related injury insurance according to the identity information of first user, it is also necessary to which identification should Whether the condition of the injury expert evidence that the first user submits is authentic and valid.If the condition of the injury that first user has bought work-related injury insurance and submitted Expert evidence is authentic and valid, then insurance institution's server may determine that first user has and get the type and be identified Insurance money qualification；Otherwise, which may determine that first user does not have and gets the type mark institute The qualification of the insurance money of mark.

In embodiments herein, preparatory associated storage has the insured people of the insurance institution in insurance institution's server Identity information and insured people submit for getting the qualification authentication material of insurance money.Wherein, the qualification authentication material example It such as may include condition of the injury expert evidence.

In addition, also preparatory associated storage has the type identification of insurance money and gets the type in insurance institution's server Qualification authentication information inventory needed for identifying identified insurance money.

To which insurance institution's server can obtain first according to the type mark and get what the type was identified Qualification authentication information inventory needed for insurance money.If in the qualification authentication information inventory including the title of qualification authentication material, Insurance institution's server can be obtained according to the identity information of first user first user submission for getting insurance The qualification authentication material with the title of gold, and the qualification authentication material that will acquire is as the qualification authentication information.

If S14, the qualification authentication information indicate that first user has and get the guarantor that the type identification is identified The qualification of danger gold, then insurance institution's server obtains the facial image of second user, and according to the facial image to institute It states second user progress authentication and obtains identity authentication result.

Specifically, which also needs to obtain first user's according to the identity information of first user Policy information.Wherein, include in the policy information declaration form identification information (such as declaration form number, title), declaration form insurance kind information (such as Personal insurance, group insurance etc.), policy type information, declaration form insured amount information, declaration form responsibility managing detailed catalogue is (such as general expenses Claims Resolution ratio, Claims Resolution range, Claims Resolution limit, Claims Resolution condition etc.) etc. contents.

To, according to the policy information and the qualification authentication information, insurance institution's server can determine this first Whether user, which has, is got the qualification that the type identifies identified insurance money.The type is got when determining that first user has When identifying the qualification of identified insurance money, which can further obtain the face figure of the second user Picture, and authentication is carried out to the second user according to the facial image and obtains identity authentication result.

Wherein, which is used to indicate whether the second user and first user are same user.

Specifically, which can obtain the facial image of the second user from the user terminal, and mention Take the characteristic information (i.e. face characteristic information) in the facial image.

In embodiments herein, preparatory associated storage has the insured people of the insurance institution in insurance institution's server Identity information and face characteristic information, i.e., preparatory associated storage has the identity of first user in insurance institution's server Information and the face characteristic information of first user.To, by judge the characteristic information in the facial image and this first Whether the face characteristic information of user matches, which can determine whether are the second user and first user For same user.

Specifically, if the characteristic information in the facial image is matched with the face characteristic information of first user, the guarantor Dangerous authority server can determine the second user and first user is same user and generates the first identity authentication result；If The face characteristic information of characteristic information in the facial image and first user mismatch, then insurance institution's server can be with It determines the second user and first user is not same user and generates the second identity authentication result.

If the second user and first user are same user, insurance institution's server can further basis should Claims Resolution range in qualification authentication information and the policy information, Claims Resolution ratio, Claims Resolution limit etc. determine that first user can be with The insured amount got.

The identity authentication result is sent to the user terminal by S15, insurance institution's server.

Wherein, which can export the identity authentication result by the client.To which, the second user can be with The identity authentication result is checked from the client.

In embodiments herein, also preparatory associated storage has the insured of the insurance institution in insurance institution's server The identity information and shroff account number of people.To be somebody's turn to do after in the insurance institution, server generates first identity authentication result Insurance institution's server can also obtain the shroff account number of first user according to the identity information of first user.

Further, which can pay the insured amount into the shroff account number.Specifically, should Insurance money payment request can be generated in insurance institution's server, and the insurance money payment request is sent to financial institution services Device.It wherein, include the payment accounts of the shroff account number, the insured amount and the insurance institution in the insurance money payment request, The financial institution server can be to open the financial institution of the shroff account number or open to set in the financial institutions of the payment accounts The server set.

Further, the financial institution server is from deducting the insured amount into the shroff account number in the payment accounts.

In the embodiment of the present application, user terminal can be used to carry out authentication by recognition of face to get in insured people Insurance money eliminates the hardship that the fatigue of insured people is hurried back and forth so that insured people can get insurance money staying indoors, and saves The time of insured people improves the efficiency (efficiency that insured people gets insurance money in other words) that authentication is carried out to insured people. In addition, can prevent someone from falsely claiming as one's own insurance money by carrying out authentication to insured people.

Fig. 2 is referred to, is the schematic flow diagram of the identity identifying method of the insured people of another kind provided by the embodiments of the present application. In the specific implementation, each step that this method includes can be executed by insurance institution's server.The body of insured people as shown in Figure 2 Identity authentication method may include:

S21, the ID authentication request for carrying out user terminal is received.

Wherein, the guarantor that the identity information in the ID authentication request including the first user and first user need to get The type identification of danger gold, the ID authentication request are that the user terminal is generated according to the operation of second user.

Specifically, the operation of above-mentioned second user can open the user terminal client for the second user, and Authentication instruction is inputted in the client.It wherein, can also include the mark of insurance institution, the guarantor in authentication instruction Dangerous mechanism is the insurance institution that first user buys the insurance money.Authentication instruction is used to indicate the user terminal to this Second user carries out authentication, to determine whether the second user and first user are same user.

Wherein, which can be the web browser being mounted in the user terminal, instant message applications or special Insurance software.

When receiving the authentication instruction inputted by the client, which can be generated authentication and asks It asks and sends it to insurance institution's server.Wherein, include the identity information of first user in the ID authentication request, be somebody's turn to do The type identification for the insurance money that first user needs to get and the mark of the insurance institution.

Wherein, which is the server being arranged in the insurance institution, and the ID authentication request is for asking Ask insurance institution's server to carry out authentication to the second user, with determine the second user and first user whether be Same user.

S22, according to the identity information, obtain first user qualification authentication corresponding with the type identification and believe Breath.

In embodiments herein, which obtains first user according to the identity information Qualification authentication information corresponding with the type identification can specifically include: according to the identity information, judge that described first uses The insured people for the insurance money whether family is identified by the type identification；If so, obtaining first user and the type Identify corresponding qualification authentication information.

Wherein, in insurance institution's server can in advance associated storage have the insurance institution insured people identity information And the type identification of the insurance money of insured people's purchase.It is appreciated that an insured people can buy one kind of the insurance institution Or a variety of insurance moneys.To which according to the identity information of first user, which can determine first user In the type identification set of the insurance money of insurance institution purchase.If including that first user needs to lead in the type logo collection The type identification of the insurance money taken, then insurance institution's server can determine the guarantor that first user is identified by the type The insured people of danger gold.

If S23, the qualification authentication information indicate that first user has and get the guarantor that the type identification is identified The qualification of danger gold then obtains the facial image of second user, and carries out identity to the second user according to the facial image Certification obtains identity authentication result.

Specifically, which also needs to obtain first user's according to the identity information of first user Policy information.To, according to the policy information and the qualification authentication information, insurance institution's server can determine this first Whether user, which has, is got the qualification that the type identifies identified insurance money.The type is got when determining that first user has When identifying the qualification of identified insurance money, which can further obtain the face figure of the second user Picture, and authentication is carried out to the second user according to the facial image and obtains identity authentication result.

In embodiments herein, which carries out the second user according to the facial image Authentication, which obtains identity authentication result, to be specifically included: extracting the characteristic information in the facial image as described second The face characteristic information of user；According to the identity information, the face characteristic information of first user is obtained；By described second The face characteristic information of user is matched with the face characteristic information of first user；Identity is generated according to matching result to recognize Demonstrate,prove result.

In embodiments herein, preparatory associated storage has the insured people of the insurance institution in insurance institution's server Identity information and face characteristic information, i.e., preparatory associated storage has the identity of first user in insurance institution's server Information and the face characteristic information of first user.To, by judge the second user face characteristic information and this Whether the face characteristic information of one user matches, which can determine that the second user is with first user No is same user.

Specifically, the identity information of the insured people of multiple insurance institutions can be obtained in insurance institution's server in advance And face characteristic information, and the identity information and face characteristic information that will acquire are associated storage.Wherein, the safety The identity information and face characteristic information of the insured people stored in structure server has one-to-one relationship.

As an alternative embodiment, insurance institution's server can be from the identity card head of the insured people of medical insurance The face characteristic information of the insured people of medical insurance is obtained in picture or social security card head portrait.

In this embodiment, which generates identity authentication result according to matching result and can specifically wrap It includes: if the face characteristic information of the second user is matched with the face characteristic information of first user, generating the first body Part authentication result, first identity authentication result are authentication success, are used to indicate the second user and described first User is same user；If the face characteristic information of the face characteristic information of the second user and first user are not Match, then generate the second identity authentication result, second identity authentication result is authentication failure, is used to indicate described second User and first user are not same user.

In embodiments herein, the facial image which obtains second user can be wrapped specifically It includes: generating facial image acquisition instruction, and the facial image acquisition instruction is sent to the user terminal, so that the use Family terminal obtains the facial image of the second user；Receive the facial image that the user terminal returns.

Specifically, when determining that first user has the qualification for getting the identified insurance money of the type mark, the guarantor Facial image acquisition instruction can be generated in dangerous authority server, and the facial image acquisition instruction is sent to the user terminal.

When receiving the facial image acquisition instruction, which can acquire the second user by camera Facial image, and the facial image of acquisition is sent to insurance institution's server.

S24, the identity authentication result is sent to the user terminal.

Fig. 3 is referred to, is the schematic flow diagram of the identity identifying method of another insured people provided by the embodiments of the present application. In the specific implementation, each step that this method includes can be executed by user terminal.The authentication of insured people as shown in Figure 3 Method may include:

S31, ID authentication request is generated according to the operation of second user, and the ID authentication request is sent to insurance Authority server.

Wherein, the guarantor that the identity information in the ID authentication request including the first user and first user need to get Danger gold type identification so that insurance institution's server according to the identity information determine first user have get such When type identifies the qualification of identified insurance money, authentication is carried out to the second user according to the facial image of the second user Obtain identity authentication result.

When receiving the ID authentication request, which can believe according to the identity of first user Breath, obtains first user qualification authentication information corresponding with the type mark.Such is got when determining that first user has (the qualification authentication information indicates that first user has and gets the type mark in other words for the qualification of the identified insurance money of type mark Know the qualification of identified insurance money) when, which can further obtain the facial image of the second user, And authentication is carried out to the second user according to the facial image and obtains identity authentication result.

In embodiments herein, the identity identifying method of insured people as shown in Figure 3 can also include: described in reception The facial image acquisition instruction that insurance institution's server is sent, the facial image acquisition instruction are used to indicate acquisition described second The facial image of user；In response to the facial image acquisition instruction, the facial image of the second user is obtained, and will be described Facial image is sent to insurance institution's server, so that face of the insurance institution's server according to the second user Image carries out authentication to the second user and obtains identity authentication result.

As an alternative embodiment, the user terminal (such as mobile phone, tablet computer) can be with built-in camera.At this In embodiment, when receiving the facial image acquisition instruction, which can be acquired by the built-in camera and be used The facial image at family.

As another optional embodiment, which can connect with external camera. In this embodiment, when receiving the facial image acquisition instruction, which can control the outside camera and adopts Collect the facial image of user and the facial image of acquisition is sent to the user terminal.

In embodiments herein, the facial image is sent to insurance institution's server in the user terminal Before, the identity identifying method of insured people as shown in Figure 3 can also include: according to the facial image to the second user Carry out vivo identification.

Specifically, which can execute prompting message with output action in its display screen to prompt the second user complete At required movement.To which the user terminal can carry out vivo identification to the second user according to the performance of required movement.

Wherein, which can be with output character prompting message or voice prompting message, such as " nodding ", " blink ", with Prompt the movement that the second user executes the text prompting message or voice prompting message is specified.Alternatively, the user terminal can be with Visual prompts message is exported, includes demonstration movement in the visual prompts message, to prompt the second user to execute the visual prompts Demonstration movement in message.Certainly, the user terminal can also simultaneously output character prompting message and visual prompts message, this Application embodiment is not intended to be limited in any specific prompting mode.

As an alternative embodiment, the user terminal can from the face video according to the time from front to back Sequence obtains multiple facial images of the second user.Wherein, each facial image can be used for presenting a kind of state of face. To which whether the user terminal can judge the second user according to the state change for the face that multiple facial images are presented Perform required movement.

As another optional embodiment, which can carry out action recognition to the face video.To, The user terminal can judge whether the second user performs required movement according to the result of action recognition.

Further, however, it is determined that the second user is living body, then the user terminal, which can execute, sends out the facial image The step of giving insurance institution's server.

S32, the identity authentication result that insurance institution's server returns is received.

In the embodiment of the present application, user terminal can be used to carry out authentication by recognition of face to get in insured people Insurance money eliminates the hardship that the fatigue of insured people is hurried back and forth so that insured people can get insurance money staying indoors, and saves The time of insured people improves the efficiency (efficiency that insured people gets insurance money in other words) that authentication is carried out to insured people. In addition, can prevent someone from falsely claiming as one's own insurance money by carrying out vivo identification and authentication to insured people.

The embodiment of the present application also provides a kind of insurance institution's server, which includes for executing this Shen Please method shown in Fig. 2 module and unit.Specifically, Fig. 4 is referred to, is a kind of insurance institution provided by the embodiments of the present application The schematic block diagram of server 40.Insurance institution's server 40 as shown in Figure 4 may include: that receiving module 41, first obtains Module 42, second obtains module 43, authentication module 44 and sending module 45.

Wherein, the receiving module 41, for receiving the ID authentication request for carrying out user terminal.In the implementation of the application It include the identity information of the first user and the insurance money that first user needs to get in example, in the ID authentication request Type identification, the ID authentication request is the user terminal to be generated according to the operation of second user.

Described first obtains module 42, for obtaining first user and the type mark according to the identity information Know corresponding qualification authentication information.

As an alternative embodiment, the first acquisition module 42 may include that judging unit 421 and first are obtained Take unit 422.

Wherein, the judging unit 421, for judging whether first user is described according to the identity information The insured people for the insurance money that type identification is identified.

The first acquisition unit 422, insurance money for being identified as first user by the type identification When insured people, first user qualification authentication information corresponding with the type identification is obtained.

Described second obtains module 43, for indicating that first user is described with getting when the qualification authentication information When the qualification for the insurance money that type identification is identified, the facial image of second user is obtained.

As an alternative embodiment, the second acquisition module 43 may include: the first generation unit 431, hair Send unit 432 and receiving unit 433.

Wherein, first generation unit 431, for generating facial image acquisition instruction.

The transmission unit 432, for the facial image acquisition instruction to be sent to the user terminal, so that described User terminal obtains the facial image of the second user.

The receiving unit 433, the facial image returned for receiving the user terminal.

The authentication module 44 obtains identity for carrying out authentication to the second user according to the facial image Authentication result.

As an alternative embodiment, the authentication module 44 may include: that extraction unit 441, second obtains list Member 442, matching unit 443 and the second generation unit 444.

Wherein, the extraction unit 441, for extracting the characteristic information in the facial image as the second user Face characteristic information.

The second acquisition unit 442, for obtaining the face characteristic letter of first user according to the identity information Breath.

The matching unit 443, for by the face of the face characteristic information of the second user and first user Characteristic information is matched.

Second generation unit 444, for generating identity authentication result according to matching result.

As an alternative embodiment, second generation unit 444, specifically for working as the people of the second user When face characteristic information is matched with the face characteristic information of first user, the first identity authentication result is generated.Wherein, described One identity authentication result is authentication success, is used to indicate the second user and first user is same user.

As another optional embodiment, second generation unit 444, specifically for when the second user When face characteristic information and the face characteristic information of first user mismatch, the second identity authentication result is generated.Wherein, institute The second identity authentication result is stated as authentication failure, being used to indicate the second user and first user is not same use Family.

The sending module 45, for the identity authentication result to be sent to the user terminal.Wherein, the identity Authentication result is used to indicate whether the second user and first user are same user.

It should be noted that the specific workflow of insurance institution's server 40 provided by the embodiments of the present application please refers to this Apply for the method flow part that embodiment provides, details are not described herein.

The embodiment of the present application also provides a kind of user terminal, which includes shown in Fig. 3 for executing the application The module of method.Specifically, Fig. 5 is referred to, is a kind of schematic block diagram of user terminal 50 provided by the embodiments of the present application.Such as User terminal 50 shown in fig. 5 may include: generation module 51, sending module 52, receiving module 53, obtain module 54 and identification Module 55.

Wherein, the generation module 51, for generating ID authentication request according to the operation of second user.The application's It include the identity information of the first user and the guarantor that first user needs to get in embodiment, in the ID authentication request The type identification of danger gold.

The sending module 52, for the ID authentication request to be sent to insurance institution's server, so that the guarantor Dangerous authority server is determining that first user has the guarantor for getting the type identification and being identified according to the identity information When the qualification of danger gold, authentication is carried out to the second user according to the facial image of the second user and obtains authentication As a result.

The receiving module 53, the identity authentication result returned for receiving insurance institution's server are described Identity authentication result is used to indicate whether the second user and first user are same user.

The receiving module 53 is also used to receive the facial image acquisition instruction that insurance institution's server is sent, institute It states facial image acquisition instruction and is used to indicate the facial image for obtaining the second user.

The acquisition module 54, for obtaining the face of the second user in response to the facial image acquisition instruction Image.

The sending module 52 is also used to for the facial image to be sent to insurance institution's server, so that described Insurance institution's server, which obtains identity to second user progress authentication according to the facial image of the second user, to be recognized Demonstrate,prove result.

The identification module 55, for carrying out vivo identification to the second user according to the facial image.

The sending module 52, specifically for when determining the second user is living body, the facial image is sent To insurance institution's server.

It should be noted that the specific workflow of user terminal 50 provided by the embodiments of the present application please refers to the application reality The method flow part of example offer is applied, details are not described herein.

Fig. 6 is referred to, is the schematic block diagram of another insurance institution server 60 provided by the embodiments of the present application.Such as figure Insurance institution's server 60 in the present embodiment shown in 6 may include: bus 61, processor 62, memory 63 and input/it is defeated Outgoing interface 64.Wherein, the bus 61 is for the processor 62, memory 63 and input/output interface 64 to be connected with each other Get up and said elements are in communication with each other.The memory 63 is described for storing one or more computer programs Computer program includes program instruction.The input/output interface 64 is for controlling insurance institution's server 60 and other equipment Communication connection between (such as user terminal).

Specifically, the processor 61 is configured for calling described program instruction execution:

As an alternative embodiment, the processor 61 is configured for calling described in described program instruction execution It is specifically executed when obtaining the facial image fruit of second user:

Receive the facial image that the user terminal returns.

As an alternative embodiment, the processor 61 is configured for calling described in described program instruction execution According to the identity information, specifically executed when obtaining corresponding with the type identification qualification authentication information of first user:

As an alternative embodiment, the processor 61 is configured for calling described in described program instruction execution The second user specifically execute when authentication obtains identity authentication result according to the facial image:

Identity authentication result is generated according to matching result.

As an alternative embodiment, the processor 61 is configured for calling described in described program instruction execution It is specifically executed when generating identity authentication result according to matching result:

In the embodiment of the present application, the processor 61 can be any type of processor, such as can be centre Manage unit (Central Processing Unit, CPU), digital signal processor (Digital Signal Processor, DSP), specific integrated circuit (Application Specific Integrated Circuit, ASIC), field programmable gate Array (Field-Programmable Gate Array, FPGA) etc..The memory 63 can be any type of storage Device, such as can be read-only memory (Read-Only Memory, ROM), random access memory (Random Access Memory, RAM) and nonvolatile RAM etc..

A kind of computer readable storage medium, the computer readable storage medium are also provided in embodiments herein It is stored with computer program, includes program instruction in the computer program, the processor 61 is configured for described in calling Program instruction executes the identity identifying method of the application insured people shown in Fig. 2.

The computer readable storage medium can be the inside of insurance institution's server described in aforementioned any embodiment Storage unit, such as the hard disk or memory of insurance institution's server.The computer readable storage medium is also possible to institute State the plug-in type hard disk being equipped on the External memory equipment of insurance institution's server, such as insurance institution's server, intelligence Storage card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card) Etc..

Fig. 7 is referred to, is the schematic block diagram of another user terminal 70 provided by the embodiments of the present application.As shown in Figure 7 The present embodiment in user terminal 70 may include: bus 71, processor 72, memory 73 and input/output interface 74.Its In, the bus 71 is for the processor 72, memory 73 and input/output interface 74 to be connected with each other and make Stating element can be in communication with each other.The memory 73 is for storing one or more computer programs, the computer program packet Include program instruction.For controlling the user terminal 70, (such as insurance institution services the input/output interface 74 with other equipment Device) between communication connection.

Specifically, the processor 71 is configured for calling described program instruction execution:

As an alternative embodiment, the processor 71 is configured for that described program instruction is called also to execute:

As an alternative embodiment, the processor 71 is configured for calling described in described program instruction execution The facial image is sent to before insurance institution's server and is also executed:

In the embodiment of the present application, the processor 71 can be any type of processor, for example, can be CPU, DSP, ASIC, FPGA etc..The memory 73 can be any type of memory, such as can be ROM, RAM and Fei Yi The property lost random access memory etc..

A kind of computer readable storage medium, the computer readable storage medium are also provided in embodiments herein It is stored with computer program, includes program instruction in the computer program, the processor 71 is configured for described in calling Program instruction executes the identity identifying method of the application insured people shown in Fig. 3.

The computer readable storage medium can be the storage inside list of user terminal described in aforementioned any embodiment Member, such as the hard disk or memory of user terminal.The computer readable storage medium is also possible to the outside of the user terminal Store the plug-in type hard disk being equipped in equipment, such as the user terminal, SMC, SD card, flash card etc..

The above, the only some embodiments of the application, but the protection scope of the application is not limited thereto, it is any Those familiar with the art within the technical scope of the present application, can readily occur in various equivalent modifications or replace It changes, these modifications or substitutions should all cover within the scope of protection of this application.Therefore, the protection scope of the application should be with right It is required that protection scope subject to.

Claims

1. a kind of identity identifying method of insured people, which is characterized in that the described method includes:

Receive the ID authentication request for carrying out user terminal, include the identity information of the first user in the ID authentication request with And the type identification of insurance money that first user needs to get, the ID authentication request are the user terminals according to the What the operation of two users generated；

First user qualification authentication information corresponding with the type identification is obtained according to the identity information, if the money Lattice authentication information indicates that first user has the qualification for getting the insurance money that the type identification is identified, then obtains second The facial image of user, and authentication is carried out to the second user according to the facial image and obtains identity authentication result；

The identity authentication result is sent to the user terminal, the identity authentication result is used to indicate the second user It whether is same user with first user.

2. the method according to claim 1, wherein the facial image for obtaining second user, comprising:

Facial image acquisition instruction is generated, and the facial image acquisition instruction is sent to the user terminal, so that described User terminal obtains the facial image of the second user；

Receive the facial image that the user terminal returns.

3. method according to claim 1 or 2, which is characterized in that it is described according to the identity information, obtain described first User's qualification authentication information corresponding with the type identification, comprising:

According to the identity information, the insured of the insurance money whether first user is identified by the type identification is judged People；

4. described in any item methods according to claim 1~3, which is characterized in that it is described according to the facial image to described Second user carries out authentication and obtains identity authentication result, comprising:

Identity authentication result is generated according to matching result.

5. according to the method described in claim 4, it is characterized in that, described generate identity authentication result, packet according to matching result It includes:

If the face characteristic information of the second user is matched with the face characteristic information of first user, the first body is generated Part authentication result, first identity authentication result are authentication success, are used to indicate the second user and described first User is same user；

If the face characteristic information of the second user and the face characteristic information of first user mismatch, second is generated Identity authentication result, second identity authentication result are authentication failure, are used to indicate the second user and described the One user is not same user.

6. a kind of identity identifying method of insured people, which is characterized in that the described method includes:

ID authentication request is generated according to the operation of second user, and the ID authentication request is sent to insurance institution's service Device includes the identity information of the first user and the insurance money that first user needs to get in the ID authentication request Type identification, so that insurance institution's server is determining that first user is described with getting according to the identity information When the qualification for the insurance money that type identification is identified, body is carried out to the second user according to the facial image of the second user Part certification obtains identity authentication result；

The identity authentication result that insurance institution's server returns is received, the identity authentication result is used to indicate described Whether second user and first user are same user.

7. according to the method described in claim 6, it is characterized in that, the method also includes:

The facial image acquisition instruction that insurance institution's server is sent is received, the facial image acquisition instruction is used to indicate Obtain the facial image of the second user；

In response to the facial image acquisition instruction, the facial image of the second user is obtained, and the facial image is sent out Insurance institution's server is given, so that insurance institution's server is according to the facial image of the second user to described Second user carries out authentication and obtains identity authentication result.

8. the method according to the description of claim 7 is characterized in that the facial image is sent to the safety described Before structure server, the method also includes:

If it is determined that the second user is living body, then executes and described the facial image is sent to insurance institution's server The step of.

9. a kind of insurance institution's server, which is characterized in that insurance institution's server includes:

Receiving module includes the first use in the ID authentication request for receiving the ID authentication request for carrying out user terminal The type identification for the insurance money that the identity information at family and first user need to get, the ID authentication request is described User terminal is generated according to the operation of second user；

First obtains module, for obtaining first user qualification corresponding with the type identification according to the identity information Authentication information；

Second obtains module, for getting the type identification institute when the qualification authentication information indicates that first user has When the qualification of the insurance money of mark, the facial image of second user is obtained；

Authentication module obtains identity authentication result for carrying out authentication to the second user according to the facial image；

Sending module, for the identity authentication result to be sent to the user terminal, the identity authentication result is for referring to Show whether the second user and first user are same user.

10. insurance institution's server according to claim 9, which is characterized in that described second, which obtains module, includes:

First generation unit, for generating facial image acquisition instruction；

Transmission unit, for the facial image acquisition instruction to be sent to the user terminal, so that the user terminal obtains Take the facial image of the second user；

Receiving unit, the facial image returned for receiving the user terminal.

11. insurance institution's server according to claim 8 or 10, which is characterized in that described first, which obtains module, includes:

Judging unit, for judging that the whether described type identification of first user is identified according to the identity information The insured people of insurance money；

First acquisition unit when the insured people of the insurance money for being identified as first user by the type identification, obtains Take first user qualification authentication information corresponding with the type identification.

12. according to the described in any item insurance institution's servers of claim 9~11, which is characterized in that the authentication module packet It includes:

Extraction unit, for extracting face characteristic information of the characteristic information in the facial image as the second user；

Second acquisition unit, for obtaining the face characteristic information of first user according to the identity information；

Matching unit, for carrying out the face characteristic information of the face characteristic information of the second user and first user Matching；

Second generation unit, for generating identity authentication result according to matching result.

13. insurance institution's server according to claim 12, which is characterized in that

Second generation unit, specifically for when the face characteristic information of the second user and the face of first user When characteristic information matches, the first identity authentication result is generated, first identity authentication result is authentication success, for referring to Show the second user and first user is same user；Alternatively,

Second generation unit, specifically for when the face characteristic information of the second user and the face of first user When characteristic information mismatches, the second identity authentication result is generated, second identity authentication result is authentication failure, is used for Indicate that the second user and first user are not same user.

14. a kind of user terminal, which is characterized in that the user terminal includes:

Generation module includes for generating ID authentication request according to the operation of second user, in the ID authentication request The type identification for the insurance money that the identity information of one user and first user need to get；

Sending module, for the ID authentication request to be sent to insurance institution's server, so that the insurance institution services Device is determining that first user has the qualification for getting the insurance money that the type identification is identified according to the identity information When, authentication is carried out to the second user according to the facial image of the second user and obtains identity authentication result；

Receiving module, the identity authentication result returned for receiving insurance institution's server, the authentication knot Fruit is used to indicate whether the second user and first user are same user.

15. user terminal according to claim 14, which is characterized in that

The receiving module is also used to receive the facial image acquisition instruction that insurance institution's server is sent, the face Image acquisition instruction is used to indicate the facial image for obtaining the second user；

The user terminal further include:

Module is obtained, for obtaining the facial image of the second user in response to the facial image acquisition instruction；

The sending module is also used to for the facial image to be sent to insurance institution's server, so that the safety Structure server carries out authentication to the second user according to the facial image of the second user and obtains identity authentication result.

16. user terminal according to claim 15, which is characterized in that the user terminal further include:

Identification module, for carrying out vivo identification to the second user according to the facial image；

The sending module, specifically for the facial image being sent to described when determining the second user is living body Insurance institution's server.