CN109785158A

CN109785158A - A kind of health insurance core duty data processing method, server and computer-readable medium

Info

Publication number: CN109785158A
Application number: CN201811529525.9A
Authority: CN
Inventors: 张景伟
Original assignee: Ping An Medical and Healthcare Management Co Ltd
Current assignee: Shenzhen Ping An Medical Health Technology Service Co Ltd
Priority date: 2018-12-13
Filing date: 2018-12-13
Publication date: 2019-05-21

Abstract

The embodiment of the present application discloses a kind of health insurance core duty data processing method, server and computer-readable medium, and being related to the data processing of core duty, wherein method includes: the health insurance Claims Resolution request for receiving applicant and sending；The policy information for the health insurance insurance kind that insurant insures is obtained from database according to the insurant's identity information for including in health insurance Claims Resolution request；Core, which is generated, according to the policy information blames information inventory；The mapping relations of information and third-party platform are blamed according to core, the core blames information inventory and the scene of the insurance risk obtains core from third-party platform and blames information；Information and the policy information are blamed according to the core, and the processing of core duty is carried out to above-mentioned insurance risk.By the embodiment of the present application, the working efficiency of health insurance Claims Resolution core duty can be effectively promoted, saves human cost, unified core blames standard, avoids artificial subjective factor bring deviation during core is blamed.

Description

A kind of health insurance core duty data processing method, server and computer-readable medium

Technical field

This application involves settlement of insurance claim technical fields more particularly to a kind of health insurance core to blame data processing method, server And computer-readable medium.

Background technique

With the continuous social and economic development and the promotion of the living standard of people, people are for itself and family The health of people is also increasingly paid close attention to, and the investment in terms of health is also increasing.For example, the investment in terms of health insurance.In order to Own health portion guarantee is given, most people all selects to buy a health insurance to oneself, to make up because of major disease, doctor Economic loss caused by treatment etc..For health insurance, what user and insurance company all compared care is the Claims Resolution of insurance.It is resonable During compensation, important link is core duty.

However, during the core duty that traditional health insurance is settled a claim, typically by the assistant director that settles a claim accordingly according to right The settlement of insurance claim clause or rule answered carry out artificial treatment, processing routine complexity, low efficiency, and different Claims Resolution assistant directors couple In the cause that understands differently of claim provision, the standard that may cause Claims Resolution is inconsistent, it is difficult to artificial subjective factor be avoided to blame to core Journey bring deviation brings great inconvenience to settlement of insurance claim.

Summary of the invention

The embodiment of the present application provides a kind of health insurance core duty data processing method, can effectively promote health insurance Claims Resolution core duty Working efficiency, save human cost, unified core blames standard, avoids artificial subjective factor bring deviation.

In a first aspect, the embodiment of the present application provides a kind of health insurance core duty data processing method, this method comprises:

The health insurance Claims Resolution request that applicant sends is received, the health insurance Claims Resolution request includes insurant's identity letter The scene of breath, the time of origin of insurance risk and insurance risk；

Insurant is obtained from database according to the insurant's identity information for including in health insurance Claims Resolution request The policy information for the health insurance insurance kind insured；

Core is generated according to the policy information and blames information inventory, and the core duty information inventory includes in the policy information The core duty information that full insurance responsibility core needs when blaming；

The mapping relations of information and third-party platform, core duty information inventory and the insurance risk are blamed according to core Scene obtains core from third-party platform and blames information；

Information and the policy information are blamed according to the core, the processing of core duty is carried out to above-mentioned insurance risk, obtain the processing of core duty As a result.

Optionally, the insurant's identity information for including in being requested described according to health insurance Claims Resolution is from database After the policy information for obtaining the health insurance insurance kind that insurant insures, the method also includes:

Judge in insurance period that whether time of origin of the insurance risk includes in the policy information；

If judging the guarantor in the insurance period that the time that the insurance risk occurs includes in the policy information After the waiting period whether time that dangerous accident occurs includes in the policy information；

If executing described after the waiting period that the time that the insurance risk occurs includes in the policy information The step of generating core duty information inventory according to the policy information.

Optionally, described to generate core duty information inventory according to the policy information, the core duty information inventory includes institute State the core duty information needed when full insurance responsibility core is blamed in policy information, comprising:

The insurance responsibility for including in the policy information is extracted, includes at least one insurance responsibility in the policy information；

It is generated according to the insurance responsibility for including in the mapping relations and above-mentioned policy information of insurance responsibility and core duty information Core blames information inventory.

Optionally, mapping relations, core duty information inventory and the institute that information and third-party platform are blamed according to core The scene for stating insurance risk obtains core duty information from third-party platform and includes:

The mapping relations of information and third-party platform are blamed according to core, core duty information inventory determines and obtains core duty information Third-party platform and the corresponding core of third-party platform blame information list；

The acquisition request for obtaining core and blaming information is generated according to the identity information that the core blames information list and insurant；

The acquisition request is sent to the third-party platform where the scene of the insurance risk；

It receives the third-party platform that third-party platform is sent and information list and insurant's identity information is blamed according to the core The core duty information obtained from the third-party platform database.

Optionally, it is described according to core blame the mapping relations of information and third-party platform, core duty information inventory and The scene of the insurance risk from third-party platform obtain core duty information after, the method also includes:

Semantics recognition is carried out to the text information in core duty information and obtains semantics recognition as a result, flat to the third party The image information in core duty information that platform is sent carries out image recognition and obtains image recognition result；

Text is removed in the core duty information that the semantics recognition result, image recognition result and the third-party platform are sent Other information outside information and image information carries out structuring according to preset structured format and handles to obtain core duty data.

It is optionally, described that the processing of core duty is carried out to above-mentioned insurance risk according to core duty information and the policy information, Include:

According to the insurance responsibility for including in the mapping relations and the policy information of insurance responsibility and core duty rule from rule The corresponding core duty rule of the insurance responsibility for including in the policy information is obtained in library；

The first insurance responsibility extracted in the insurance duty for including in the policy information from core duty data is corresponding First core blames data, and first insurance responsibility is any one insurance responsibility in the insurance duty for including in the policy information；

Data are blamed according to first core and the corresponding first core duty rule of first insurance responsibility judges the insurance Whether accident meets the condition of the first insurance responsibility, if the insurance risk meets the condition of the first insurance responsibility, it is determined that protect Dangerous people undertakes first insurance responsibility to the insurance risk；

Judging whether the insurer undertakes in the policy information using method identical with the first insurance responsibility includes Insurance duty in other insurance responsibilities in addition to the first insurance responsibility.

Optionally, information and the policy information are blamed to the progress core duty processing of above-mentioned insurance risk according to the core described Later, the method also includes:

Processing result, which is blamed, according to the core generates feedback information；

The feedback information is sent to the user terminal.

Second aspect, the embodiment of the present application provide a kind of server, which includes:

First receiving unit, for receiving the health insurance Claims Resolution request of applicant's transmission, the health insurance Claims Resolution request packet Include the scene of insurant's identity information, the time of origin of insurance risk and insurance risk；

First acquisition unit, for according to the insurant's identity information for including in health insurance Claims Resolution request from data The policy information for the health insurance insurance kind that insurant insures is obtained in library；

First generation unit blames information inventory for generating core according to the policy information, and the core blames information inventory packet The core duty information needed when full insurance responsibility core is blamed in the policy information is included；

First acquisition unit, for blaming the mapping relations of information and third-party platform according to core, the core blames information inventory And the scene of the insurance risk obtains core from third-party platform and blames information；

Core blames unit, blames information and the policy information according to the core and carries out the processing of core duty to above-mentioned insurance risk, obtains Processing result is blamed to core.

Optionally, the server further include:

First judging unit, for judge the insurance risk time of origin whether in the policy information include In insurance period；If judging institute in the insurance period that the time that the insurance risk occurs includes in the policy information State insurance risk generation time whether include in the policy information waiting period after；

First generation unit, if the time for judging that the insurance risk occurs in first judging unit exists After the waiting period for including in the policy information, then the step that core duty information inventory is generated according to the policy information is executed Suddenly.

Optionally, first generation unit includes:

First extraction unit includes in the policy information for extracting the insurance responsibility for including in the policy information At least one insurance responsibility；

The generation unit, for according to insurance responsibility and core duty information mapping relations and above-mentioned policy information in wrap The insurance responsibility included generates the core needed when blaming to insurance risk core and blames information inventory.

Optionally, the first acquisition unit includes:

Determination unit, for blaming the mapping relations of information and third-party platform according to core, core duty information inventory determines The third-party platform and the corresponding core of third-party platform for obtaining core duty information blame information list；

Second generation unit, the identity information for blaming information list and insurant according to the core generate acquisition core duty The acquisition request of information；

Transmission unit sends the acquisition for the third-party platform where the scene to the insurance risk and asks It asks；

Second receiving unit, for receive third-party platform transmission third-party platform according to the core blame information list and The core that insurant's identity information is obtained from the third-party platform database blames information.

Optionally, the server further include:

Recognition unit, for the core duty information in text information carry out semantics recognition obtain semantics recognition as a result, The image information in core duty information sent to the third-party platform carries out image recognition and obtains image recognition result；

Processing unit, the core for sending the semantics recognition result, image recognition result and the third-party platform Other information in duty information in addition to text information and image information carries out structuring according to preset structured format and handles Data are blamed to core.

Optionally, the core duty unit includes:

Second acquisition unit, for including according in insurance responsibility and the mapping relations and the policy information of core duty rule Insurance responsibility from obtaining the corresponding core duty rule of the insurance responsibility that includes in the policy information in rule base；

Second extraction unit, for extracting the in the insurance duty for including in the policy information from core duty data Corresponding first core of one insurance responsibility blames data, and first insurance responsibility is to appoint in the policy information in the insurance duty for including It anticipates an insurance responsibility；

Second judgment unit, for blaming data and the corresponding first core duty of first insurance responsibility according to first core Rule judges whether the insurance risk meets the condition of the first insurance responsibility, if the insurance risk meets the first insurance responsibility Condition, it is determined that the insurer undertakes first insurance responsibility to the insurance risk；Using identical with the first insurance responsibility Method judge the insurer whether undertake include in the policy information insurance duty in addition to the first insurance responsibility Other insurance responsibilities.

Optionally, first generation unit generates feedback information for blaming processing result according to the core；

The server further include:

Second transmission unit, for sending the feedback information to the user terminal.

The third aspect, the embodiment of the present application provide another server, including processor, memory and communication module, In, the memory is for storing program code, and the processor is for calling said program code to execute above-mentioned first party The method of face and its any optional way.

Fourth 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 first aspect and its any optional way.

Then the embodiment of the present application is settled a claim by receiving the health insurance Claims Resolution request that applicant sends according to above-mentioned health insurance Request determination is put on record；Information is blamed then according to the core of above-mentioned health insurance Claims Resolution request insurance risk；Finally according to above-mentioned guarantor Dangerous accident core duty information and health insurance core duty rule carry out the processing of core duty.By the embodiment of the present application, can effectively be promoted strong The health working efficiency that nearly Claims Resolution core is blamed, saves human cost, and unified core blames standard, avoids artificial subjective factor during core is blamed Bring deviation.

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.

Fig. 1 is a kind of schematic flow diagram of health insurance core duty data processing method provided by the embodiments of the present application；

Fig. 2 is the schematic flow diagram of another health insurance core duty data processing method provided by the embodiments of the present application；

Fig. 3 is a kind of schematic block diagram of server provided by the embodiments of the present application；

Fig. 4 is a kind of equipment schematic block diagram provided by the embodiments of the present application；

Fig. 5 is a kind of server architecture schematic diagram provided by the embodiments of the present application.

Specific embodiment

Below in conjunction with the attached drawing in the embodiment of the present application, technical solutions in the embodiments of the present application carries out clear, complete Site preparation description, it is clear that described embodiment is some embodiments of the present application, instead of all the embodiments.Based on this Shen Please in embodiment, every other implementation obtained by those of ordinary skill in the art without making creative efforts Example, shall fall in the protection scope of this application.

It should be appreciated that ought use in this specification and in the appended claims, term " includes " and "comprising" instruction Described feature, entirety, step, operation, the presence of element and/or component, but one or more of the other feature, whole is not precluded Body, step, operation, the presence or addition of element, component and/or its set.

It is also understood that mesh of the term used in this present specification merely for the sake of description specific embodiment And be not intended to limit the application.As present specification and it is used in the attached claims, unless on Other situations are hereafter clearly indicated, otherwise " one " of singular, "one" and "the" are intended to include plural form.

It will be further appreciated that the term "and/or" used in present specification and the appended claims is Refer to any combination and all possible combinations of one or more of associated item listed, and including these combinations.

As used in this specification and in the appended claims, term " if " can be according to context quilt Be construed to " when ... " or " once " or " in response to determination " or " in response to detecting ".Similarly, phrase " if it is determined that " or " if detecting [described condition or event] " can be interpreted to mean according to context " once it is determined that " or " in response to true It is fixed " or " once detecting [described condition or event] " or " in response to detecting [described condition or event] ".

Health insurance, also known as " health insurance ".Refer to when disease occurs in insurant's body, is protected from the insurer to its payment The personal insurance of danger gold.The payment range of health insurance generally includes medical expense, revenue losses, funeral expenses and members of the deceased's family's cost of living Deng.Such insurance mostly operates jointly with injury insurance, also has and operates jointly with life insurance.To prevent moral hazard, health insurance is handled When, between the insurer usually provides one section of examination duration of insurance, lost caused by disease occurs afterwards during this period insurant, the insurer The negative liability to pay compensation in side.

It is a kind of exemplary flow of health insurance core duty data processing method provided by the embodiments of the present application referring to Fig. 1, Fig. 1 Figure, as shown in Figure 1, this method can include:

101: receiving the health insurance Claims Resolution request that applicant sends, above-mentioned health insurance Claims Resolution request includes insurant's identity The scene of information, the time of origin of insurance risk and insurance risk.

Above-mentioned health insurance Claims Resolution request includes insurant's identity information, insurance risk type, insurance risk reason, insures People's identity information and income people's identity information etc..

In the embodiment of the present application, when health insurance insurance risk occurs for above-mentioned insurant (for example, accident person anticipates It is outer injury in hospitalize), applicant (household or relative that can be insurant or insurant) pass through it is wired or Wireless terminal device logs in website or App of health insurance Claims Resolution platform etc. to initiate Claims Resolution request to health insurance Claims Resolution platform.

102: being obtained and protected from database according to the insurant's identity information for including in the Claims Resolution request of above-mentioned health insurance The policy information for the health insurance insurance kind that dangerous people insures.

After health insurance Claims Resolution platform receives above-mentioned health insurance Claims Resolution request, health insurance settles a claim platform then according to above-mentioned The identity information of insurant obtains the health insurance insurance kind that above-mentioned insurant insures from database in health insurance Claims Resolution request Policy information, the policy information for the health insurance insurance kind then insured according to above-mentioned insurant and the time of origin of insurance risk Judge whether above-mentioned Claims Resolution request meets the condition of health insurance Claims Resolution application, step 103 is continued to execute if meeting condition.

It wherein, include all health insurance insurance kind information for insuring of above-mentioned insurant in above-mentioned policy information and each The insurance responsibility and the corresponding insurance of health insurance insurance kind that the time limit of insuring of insurance kind, insured amount, each health insurance insurance kind include Clause (such as the insurer undertake insurance responsibility, Claims Resolution when every kind of insurance responsibility it is corresponding required for Claims Resolution data and process, with And some nominal definitions etc.).

103: core being generated according to above-mentioned policy information and blames information inventory, above-mentioned core duty information inventory includes above-mentioned declaration form letter The core duty information needed when full insurance responsibility core is blamed in breath.

In the embodiment of the present application, a health insurance insurance kind can correspond to a kind of insurance responsibility, can also correspond to a variety of guarantors Dangerous responsibility.A kind of health insurance insurance kind in addition, insurant may insure, it is also possible to a variety of health insurance insurance kinds of having insured.Therefore, A kind of insurance responsibility may be only included in the policy information of above-mentioned insurant, it is also possible to including a variety of insurance responsibilities.It is each Kind insurance responsibility can have some specified cores duty information to carry out core duty to it.Such as including general in a kind of health insurance insurance kind Medical insurance responsibility, the general curative insurance responsibility be in period insured, insurant because have an accident injury accident or Because suffering from the disease after waiting period, it is in hospital undergoing treatment, we pay insurance money according to agreement.It is required for the insurance responsibility The core duty information wanted can be medical diagnosis book, medical record or discharge abstract, inspection survey report and drug that hospital provides The information such as detail prescription.So after health Claims Resolution platform gets the policy information of insurant, it can be according to policy information In include insurance responsibility come determine core blame information inventory, so as to it is subsequent according to the core blame information inventory from third-party platform obtain Core blames information.

104: mapping relations, above-mentioned core duty information inventory and the above-mentioned insurance thing of information and third-party platform are blamed according to core Therefore scene from third-party platform obtain core blame information.

Wherein, above-mentioned insurance risk core duty information refers to that in above-mentioned insurance risk, can determine or assess the insurer needs The information for the insurance responsibility to be undertaken.

The application implementation in, can according to core blame information content judge the core duty information acquisition source, such as by The cores such as case history, the medical certificate of insurer duty information can be obtained from medical platform.Therefore, when above-mentioned health insurance Claims Resolution platform determines After core duty information inventory, just with blamed according to core the mapping relations of information and third-party platform, above-mentioned core duty information inventory and The scene of above-mentioned insurance risk obtains core from third-party platform and blames information.

Specifically, after above-mentioned health insurance Claims Resolution platform has determined that core blames information inventory, above-mentioned health insurance Claims Resolution platform The mapping relations of information and third-party platform are blamed according to core, above-mentioned core duty information inventory determines that the third party for obtaining core duty information is flat Platform and the corresponding core of third-party platform blame information list, and it includes that can obtain from above-mentioned third-party platform which, which blames in information list, The inventory of the core duty information taken.Then, above-mentioned health insurance Claims Resolution platform blames the body of information list and insurant according to above-mentioned core Part information generates the acquisition request for obtaining core duty information, and sends out to the third-party platform where the scene of above-mentioned insurance risk It serves and states acquisition request.When third-party platform receive core duty information acquisition request that above-mentioned health insurance Claims Resolution platform is sent it Afterwards, just according to the identity information of the core duty information list and insurant that include in the acquisition request from the number of third-party platform Information is blamed according to the core for including in above-mentioned core duty information list is obtained in library.It is understood that since above-mentioned core blames information inventory It include the core duty information needed when full insurance responsibility core is blamed in above-mentioned policy information, so can in above-mentioned core duty information list The core duty information being not present in above-mentioned insurance risk can be contained.It is thus impossible to get above-mentioned core from third-party platform The all-wave core duty information for including in duty information list.I.e. the insurance risk is not matched with some insurance responsibility in policy information.

Such as insurance risk is insurant because heavy cold is treated in hospital, and one that insurant insures is strong One of insurance responsibility of health danger insurance kind is the medical expense suffered from major disease and then compensate major disease generation, the insurance responsibility The core duty information needed is the medical certificate for the major disease arranged in declaration form, but there was only heavy cold in the insurance risk Medical certificate, without the medical certificate of above-mentioned major disease, therefore above-mentioned major disease cannot be got from medical platform and examined Disconnected this core of book blames information.

After third-party platform receives the acquisition request that above-mentioned health insurance Claims Resolution platform is sent, just according to above-mentioned acquisition The identity information of the core duty information list and insurant that include in request obtains above-mentioned core from the database of third-party platform The core duty information for including in duty information list.Wherein, above-mentioned core duty information is obtained in the database from above-mentioned third-party platform When the core duty information for including in list, if there is no the core duties of above-mentioned core duty information list in third-party platform database When information, the next core duty information obtained in core duty information list is directly skipped.Then third-party platform will be from database The core duty information package got is sent to above-mentioned health insurance Claims Resolution platform.Last above-mentioned health insurance Claims Resolution platform receives third party The core that platform is sent blames information, and is carried out decompression and summarized.It is understood that blaming information obtaining core from third-party platform When, core duty information may be obtained by tripartite's platform, it is also possible to obtain core from multiple tripartite's platforms and blame information.

As an alternative embodiment, above-mentioned insurance risk core duty information may include confirmation of responsibility information and responsibility Exemption information.Wherein, in the embodiment of the present application, above-mentioned confirmation of responsibility information refers in health insurance insurance risk, can determine Or assessment insurance risk whether the information in Insurance coverage, above-mentioned liability exemption refers in Insurance coverage, when full When sufficient liability exemption condition, the not responsible responsibility for undertaking payment insurance money of the insurer；Liability exemption information refers to assessment or true The information of fixed above-mentioned liability exemption.

For example, it is assumed that a kind of health insurance needs the insurance responsibility undertaken are as follows: in period insured, if insurant (is protected Dangerous people) suffer from the major disease of contract engagement, then the insurer, which pays, arranges weight disease insurance money, then above-mentioned confirmation of responsibility information can With include patient medical history, discharge abstract, diagnosis prove (cancer, major disease certificate of diagnosis need to provide simultaneously coherence check, inspection Test result data).Above-mentioned liability exemption may include insurant drive when intoxicated when leading to major disease or insurant because When major disease caused by the reasons such as war, military conflict riot, the not responsible responsibility for undertaking payment insurance money of the insurer.

In the embodiment of the present application, above-mentioned third-party platform includes but is not limited to medical matters platform, other insurance companies, administration Service platform, traffic administration platform, enterprise management platform, social security department, police service platform etc..

105: information and above-mentioned policy information being blamed according to above-mentioned core, the processing of core duty is carried out to above-mentioned insurance risk, obtain core duty Processing result.

In the embodiment of the present application, when above-mentioned health insurance Claims Resolution platform gets above-mentioned insurance risk core from third-party platform After blaming information, health insurance settles a claim platform then according to above-mentioned core duty information and above-mentioned policy information to above-mentioned insurance risk progress core duty Processing, and obtain core duty processing result.

Specifically, after above-mentioned health insurance Claims Resolution platform gets above-mentioned insurance risk core duty information from third-party platform, Health insurance settles a claim platform according to the insurance responsibility for including in the mapping relations and above-mentioned policy information of insurance responsibility and core duty rule Rule is blamed from the corresponding core of insurance responsibility for including in above-mentioned policy information is obtained in rule base.Then, above-mentioned health insurance Claims Resolution Platform extracts the first insurance responsibility corresponding first in the insurance duty for including in above-mentioned policy information from above-mentioned core duty information Core blames information, wherein above-mentioned first insurance responsibility is any one insurance responsibility in the insurance duty for including in above-mentioned policy information. Then, health insurance Claims Resolution platform blames information according to above-mentioned first core and the corresponding first core duty rule of above-mentioned first insurance responsibility is sentenced Whether the above-mentioned insurance risk that breaks meets the condition of the first insurance responsibility, if above-mentioned insurance risk meets the item of the first insurance responsibility Part, it is determined that the insurer undertakes above-mentioned first insurance responsibility to above-mentioned insurance risk；And using identical with the first insurance responsibility Method judges whether the above-mentioned insurer undertakes its in addition to the first insurance responsibility in the insurance duty for including in above-mentioned policy information His insurance responsibility.It is understood that above-mentioned insurance risk may match with an insurance responsibility in above-mentioned policy information, It may also match with the multiple insurance responsibilities for including in policy information.

As an alternative embodiment, above-mentioned health insurance Claims Resolution platform will be upper after getting above-mentioned core duty information Core duty information is stated to be pre-processed to obtain the core duty data that system can identify.Specifically, health Claims Resolution platform blames above-mentioned core Text information in information carries out semantics recognition and obtains semantics recognition as a result, in the core duty information sent to above-mentioned third-party platform Image information carry out image recognition obtain image recognition result；Then by above-mentioned semantics recognition result, image recognition result and Other information in the core duty information that above-mentioned third-party platform is sent in addition to text information and image information is according to preset structure Change format progress structuring to handle to obtain core duty data.

As can be seen that the health insurance Claims Resolution request that the embodiment of the present application is sent by reception applicant, then from database The middle policy information for obtaining the health insurance insurance kind that insurant insures, and it is true according to above-mentioned health insurance Claims Resolution request and policy information The fixed core for need when core duty processing to above-mentioned insurance risk blames information, and obtain these cores duty information third party it is flat Platform.Then health insurance settles a claim platform to the acquisition request of third-party platform initiation acquisition core duty information, receives third-party platform hair The core duty information sent.The core duty information and above-mentioned policy information that last health insurance Claims Resolution platform is sent according to above-mentioned third-party platform The processing of core duty is carried out to above-mentioned insurance risk.By the embodiment of the present application, the work of health insurance Claims Resolution core duty can be effectively promoted Make efficiency, save human cost, unified core blames standard, avoids artificial subjective factor bring deviation during core is blamed.

Referring to fig. 2, Fig. 2 is the exemplary flow of another health insurance core duty data processing method provided by the embodiments of the present application Figure, as shown in Fig. 2, this method can include:

201: receiving the health insurance Claims Resolution request that applicant sends, above-mentioned health insurance Claims Resolution request includes insurant's identity The scene of information, the time of origin of insurance risk and insurance risk.

In the embodiment of the present application, when health insurance insurance risk occurs for above-mentioned accident person (for example, accident occurs for accident person Injury is in hospitalize), applicant (household or relative that can be accident person or accident person) passes through wired or wireless end End equipment logs in website or App of health insurance Claims Resolution platform etc. to initiate Claims Resolution request to health insurance Claims Resolution platform, can also lead to The mode for crossing phone initiates Claims Resolution request to Claims Resolution platform.

202: being obtained and protected from database according to the insurant's identity information for including in the Claims Resolution request of above-mentioned health insurance The policy information for the health insurance insurance kind that dangerous people insures.

203: judging in insurance period that whether time of origin of above-mentioned insurance risk includes in above-mentioned policy information.

In the embodiment of the present application, if health insurance Claims Resolution platform judges the time of above-mentioned insurance risk generation in above-mentioned declaration form In the insurance period for including in information, 204 are thened follow the steps；If judging the time of above-mentioned insurance risk generation not in above-mentioned declaration form In the insurance period for including in information, then terminate, or generate a feedback information, feedback information is sent to user terminal, To prompt the time of origin of user's insurance risk not under report in the time limit, Claims Resolution application not can be carried out.

204: after judging the waiting period whether time that above-mentioned insurance risk occurs includes in above-mentioned policy information.

In the embodiment of the present application, if health insurance Claims Resolution platform judges the time of above-mentioned insurance risk generation in above-mentioned declaration form After the waiting period for including in information, illustrates that above-mentioned health insurance Claims Resolution request meets health insurance Claims Resolution application condition, continue to execute Step 205；If health insurance Claims Resolution platform judges the waiting for the time that above-mentioned insurance risk occurs including in above-mentioned policy information In phase, then terminate, or generate a feedback information, feedback information is sent to user terminal, to prompt user's insurance The time of origin of accident not can be carried out Claims Resolution application within waiting period.

205: core being generated according to above-mentioned policy information and blames information inventory, above-mentioned core duty information inventory includes above-mentioned declaration form letter The core duty information needed when full insurance responsibility core is blamed in breath.

206: mapping relations, above-mentioned core duty information inventory and the above-mentioned insurance thing of information and third-party platform are blamed according to core Therefore scene from third-party platform obtain core blame information.

In the embodiment of the present application, after above-mentioned health insurance Claims Resolution platform has determined that core blames information inventory, above-mentioned health Danger Claims Resolution platform blames the mapping relations of information and third-party platform according to core, above-mentioned core duty information inventory determines that obtaining core blames information Third-party platform and the corresponding core of third-party platform blame information list, including in core duty information list can be from above-mentioned the The inventory for the core duty information that tripartite's platform obtains.Then, above-mentioned health insurance Claims Resolution platform according to above-mentioned core blame information list and by The identity information of the insurer generates the acquisition request for obtaining core duty information, and to the where the scene of above-mentioned insurance risk Tripartite's platform sends above-mentioned acquisition request.It is obtained when third-party platform receives the core duty information that above-mentioned health insurance Claims Resolution platform is sent After taking request, just according to the identity information of the core duty information list and insurant that include in the acquisition request from third party The core duty information for including in above-mentioned core duty information list is obtained in the database of platform.It is understood that since above-mentioned core is blamed Information inventory includes the core duty information needed when full insurance responsibility core is blamed in above-mentioned policy information, so above-mentioned core blames information The core duty information being not present in above-mentioned insurance risk is may included in list.It is thus impossible to be obtained from third-party platform The all-wave core for including into above-mentioned core duty information list blames information.I.e. the insurance risk is not blamed with some insurance in policy information Appoint matching.

207: semantics recognition being carried out to the text information in above-mentioned core duty information and obtains semantics recognition as a result, to above-mentioned third The image information in core duty information that Fang Pingtai is sent carries out image recognition and obtains image recognition result.

208: the core that above-mentioned semantics recognition result, image recognition result and above-mentioned third-party platform are sent being blamed in information and is removed Other information outside text information and image information carries out structuring according to preset structured format and handles to obtain core duty data.

Specifically, above-mentioned Claims Resolution platform is to upper after the core that above-mentioned Claims Resolution platform gets above-mentioned insurance risk blames information It states core duty information and carries out verifying error correction.Then above-mentioned Claims Resolution platform carries out semantics recognition to the text information in above-mentioned core duty information The semantics recognition that can be identified by the Claims Resolution processing module of Claims Resolution platform is obtained as a result, for example, can be using neural LISP program LISP (Neuro-Linguistic Programming, NLP) technology carries out semantics recognition to traffic confirmation of responsibility book.Above-mentioned Claims Resolution is flat Platform obtains the image information progress image recognition in above-mentioned core duty information can be by the identification of the Claims Resolution processing module of Claims Resolution platform Image recognition result.Finally, will above-mentioned semantics recognition structure, image recognition result and above-mentioned core blame in information except text information and Other information outside image information carries out that structuring handles to obtain according to preset structured format can be by Claims Resolution processing system The Claims Resolution data of identification.

209: data and above-mentioned policy information being blamed according to above-mentioned core, the processing of core duty is carried out to above-mentioned insurance risk, obtain core duty Processing result.

Specifically, after above-mentioned health insurance Claims Resolution platform gets above-mentioned insurance risk core duty data from third-party platform, Health insurance settles a claim platform according to the insurance responsibility for including in the mapping relations and above-mentioned policy information of insurance responsibility and core duty rule Rule is blamed from the corresponding core of insurance responsibility for including in above-mentioned policy information is obtained in rule base.Then, above-mentioned health insurance Claims Resolution Platform extracts the first insurance responsibility corresponding first in the insurance duty for including in above-mentioned policy information from above-mentioned core duty data Core blames data, wherein above-mentioned first insurance responsibility is any one insurance responsibility in the insurance duty for including in above-mentioned policy information. Then, health insurance Claims Resolution platform blames data according to above-mentioned first core and the corresponding first core duty rule of above-mentioned first insurance responsibility is sentenced Whether the above-mentioned insurance risk that breaks meets the condition of the first insurance responsibility, if above-mentioned insurance risk meets the item of the first insurance responsibility Part, it is determined that the insurer undertakes above-mentioned first insurance responsibility to above-mentioned insurance risk；And using identical with the first insurance responsibility Method judges whether the above-mentioned insurer undertakes its in addition to the first insurance responsibility in the insurance duty for including in above-mentioned policy information His insurance responsibility.It is understood that above-mentioned insurance risk may match with an insurance responsibility in above-mentioned policy information, It may also match with the multiple insurance responsibilities for including in policy information.

210: processing result being blamed according to above-mentioned core and generates feedback information, Xiang Shangshu user terminal sends above-mentioned feedback information.

It wherein include that above-mentioned core blames processing result in above-mentioned feedback information, so that user is able to know that insurance risk and declaration form Which insurance responsibility in information matches.

As an alternative embodiment, receiving the above-mentioned feedback information including core duty processing result in user terminal Afterwards, if user has a question to core duty processing result, such as user thinks that the insurance risk also insures with some in policy information Responsibility matches, then when user can match with other insurance responsibilities.It is anti-that user can initiate detailed core duty processing result Feedforward information request.Then health insurance Claims Resolution platform receives the core that detailed will core duty processing result and get after above-mentioned request Duty information is sent to user terminal.It, can after user receives above-mentioned detailed core duty processing result and the core duty information got To send supplementing for core duty information to above-mentioned health insurance Claims Resolution platform, the information of supplement is then uploaded to health insurance Claims Resolution Platform.Claims Resolution platform is received when supplemental information and after be verified to it, again to above-mentioned insurance risk progress core duty at Reason, and processing result is fed back into user terminal.

As can be seen that the health insurance Claims Resolution request that the embodiment of the present application is sent by reception applicant, then from database The middle policy information for obtaining the health insurance insurance kind that insurant insures, and it is true according to above-mentioned health insurance Claims Resolution request and policy information The fixed core for need when core duty processing to above-mentioned insurance risk blames information, and obtain these cores duty information third party it is flat Platform.Then health insurance settles a claim platform to the acquisition request of third-party platform initiation acquisition core duty information, receives third-party platform hair The core duty information sent.The core duty information and above-mentioned policy information that last health insurance Claims Resolution platform is sent according to above-mentioned third-party platform The processing of core duty is carried out to above-mentioned insurance risk, and feedback information is generated according to the result of core damage processing, feedback information is sent to User terminal.By the embodiment of the present application, can effectively promote the working efficiency of health insurance Claims Resolution core duty, save manpower at This, unified core blames standard, avoids artificial subjective factor bring deviation during core is blamed.

The embodiment of the present application also provides a kind of server, which is used to execute the list of any one of aforementioned above-mentioned method Member.It specifically, is a kind of schematic block diagram of server provided by the embodiments of the present application referring to Fig. 3, Fig. 3.The service of the present embodiment Device includes: the first receiving unit 310, first acquisition unit 320, the first generation unit 330 and core duty unit 340.

First receiving unit 310, for receiving the health insurance Claims Resolution request of applicant's transmission, above-mentioned health insurance Claims Resolution request Scene including insurant's identity information, the time of origin of insurance risk and insurance risk；

First acquisition unit 320, for according to above-mentioned health insurance Claims Resolution request in include insurant's identity information from The policy information for the health insurance insurance kind that insurant insures is obtained in database；

First generation unit 330 blames information inventory for generating core according to above-mentioned policy information, and above-mentioned core blames information inventory It include the core duty information needed when full insurance responsibility core is blamed in above-mentioned policy information；

First acquisition unit 320, mapping relations, the above-mentioned core duty information for blaming information and third-party platform according to core are clear The scene of single and above-mentioned insurance risk obtains core from third-party platform and blames information；

Core blames unit 340, blames information and above-mentioned policy information according to above-mentioned core and carries out the processing of core duty to above-mentioned insurance risk, Obtain core duty processing result.

Optionally, above-mentioned server further include:

First judging unit 350, for judging whether the time of origin of above-mentioned insurance risk wraps in above-mentioned policy information In the insurance period included；If sentencing in the insurance period that the time that above-mentioned insurance risk occurs includes in above-mentioned policy information After the waiting period whether time that the above-mentioned insurance risk of breaking occurs includes in above-mentioned policy information；

Above-mentioned first generation unit 330, if for when above-mentioned first judging unit judges that above-mentioned insurance risk occurs Between include in above-mentioned policy information waiting period after, then execute it is above-mentioned according to above-mentioned policy information generate core duty information inventory The step of.

Optionally, above-mentioned first generation unit 330 includes:

First extraction unit 331 wraps in above-mentioned policy information for extracting the insurance responsibility for including in above-mentioned policy information Include at least one insurance responsibility；

Above-mentioned first generation unit 330, for the mapping relations and above-mentioned declaration form according to insurance responsibility and core duty information The insurance responsibility for including in information generates the core needed when blaming to insurance risk core and blames information inventory.

Optionally, above-mentioned first acquisition unit 320 includes:

Determination unit 321, mapping relations, the above-mentioned core duty information inventory for blaming information and third-party platform according to core are true Surely the third-party platform and the corresponding core of third-party platform for obtaining core duty information blame information list；

Second generation unit 322, the identity information for blaming information list and insurant according to above-mentioned core generate acquisition The acquisition request of core duty information；

First transmission unit 323 is sent above-mentioned for the third-party platform where the scene to above-mentioned insurance risk Acquisition request；

Second receiving unit 324, the third-party platform for receiving third-party platform transmission blame information column according to above-mentioned core The core that table and insurant's identity information are obtained from above-mentioned third-party platform database blames information.

Optionally, above-mentioned server further include:

Recognition unit 360 obtains semantics recognition knot for carrying out semantics recognition to the text information in above-mentioned core duty information Fruit, the image information in core duty information sent to above-mentioned third-party platform carry out image recognition and obtain image recognition result；

Processing unit 370, for send above-mentioned semantics recognition result, image recognition result and above-mentioned third-party platform Core blames the other information in information in addition to text information and image information and carries out structuring processing according to preset structured format Obtain core duty data.

Optionally, above-mentioned core duty unit 340 includes:

Second acquisition unit 341, for according in the mapping relations and above-mentioned policy information of insurance responsibility and core duty rule Including insurance responsibility from obtaining the corresponding core duty rule of the insurance responsibility that includes in above-mentioned policy information in rule base；

Second extraction unit 342, for being extracted in the insurance for including in above-mentioned policy information duty from above-mentioned core duty data Corresponding first core of the first insurance responsibility blame data, above-mentioned first insurance responsibility is the insurance duty for including in above-mentioned policy information In any one insurance responsibility；

Second judgment unit 343, for blaming data and above-mentioned first insurance responsibility corresponding first according to above-mentioned first core Core duty rule judges whether above-mentioned insurance risk meets the condition of the first insurance responsibility, if above-mentioned insurance risk meets the first insurance The condition of responsibility, it is determined that the insurer undertakes above-mentioned first insurance responsibility to above-mentioned insurance risk；Using with the first insurance responsibility Identical method judge the above-mentioned insurer whether undertake include in above-mentioned policy information insurance duty in except the first insurance responsibility it Other outer insurance responsibilities.

Optionally, above-mentioned first generation unit 330 generates feedback information for blaming processing result according to above-mentioned core；

Above-mentioned server further include:

Second transmission unit 380, for sending above-mentioned feedback information to above-mentioned user terminal.

Referring to fig. 4, Fig. 4 is a kind of equipment provided by the embodiments of the present application, which can be server, as shown in Figure 4 Equipment includes: one or more processors 401；One or more input equipments 402, one or more output equipments 403 and are deposited Reservoir 404.Above-mentioned processor 401, input equipment 402, output equipment 403 and memory 404 are connected by bus 405.Storage For storing instruction, processor 401 is used to execute the instruction of the storage of memory 402 to device 402.

Wherein, in the case which uses as server, processor 401 is used for: receiving the health that applicant sends Danger Claims Resolution request, above-mentioned health insurance Claims Resolution request includes insurant's identity information, the time of origin of insurance risk and insurance The scene of accident；Quilt is obtained from database according to the insurant's identity information for including in the Claims Resolution request of above-mentioned health insurance The policy information for the health insurance insurance kind that the insurer insures；Core, which is generated, according to above-mentioned policy information blames information inventory, above-mentioned core duty letter Breath inventory includes the core duty information needed when full insurance responsibility core is blamed in above-mentioned policy information；Information and third are blamed according to core The scene of the mapping relations of Fang Pingtai, above-mentioned core duty information inventory and above-mentioned insurance risk obtains core from third-party platform Blame information；Information and above-mentioned policy information are blamed according to above-mentioned core, the processing of core duty is carried out to above-mentioned insurance risk, obtain the processing of core duty As a result.

It should be appreciated that in the embodiment of the present application, alleged processor 401 can be central processing unit (Central Processing Unit, CPU), which can also be other general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit (Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic Device, discrete gate or transistor logic, discrete hardware components etc..General processor can be microprocessor or this at Reason device is also possible to any conventional processor etc..

Input equipment 402 may include that Trackpad, fingerprint adopt sensor (for acquiring the finger print information and fingerprint of user Directional information), microphone etc., output equipment 403 may include display (LCD etc.), loudspeaker etc..

The memory 404 may include read-only memory and random access memory, and to processor 401 provide instruction and Data.The a part of of memory 404 can also include nonvolatile RAM.For example, memory 404 can also be deposited Store up the information of device type.

In the specific implementation, processor 401, input equipment 402 described in the embodiment of the present application, output equipment 403 can Execute realization side described in a kind of first embodiment of health insurance core duty data processing method provided by the embodiments of the present application Server described in the embodiment of the present application also can be performed in implementation in formula, the second implementation column and 3rd embodiment Implementation, details are not described herein.

A kind of computer readable storage medium, above-mentioned computer-readable storage medium are provided in another embodiment of the application Matter is stored with computer program, realization when above-mentioned computer program is executed by processor: receiving the health insurance reason that applicant sends Request is paid for, above-mentioned health insurance Claims Resolution request includes the time of origin and insurance risk of insurant's identity information, insurance risk Scene；It is obtained and is insured from database according to the insurant's identity information for including in the Claims Resolution request of above-mentioned health insurance The policy information for the health insurance insurance kind that people insures；Core is generated according to above-mentioned policy information and blames information inventory, and above-mentioned core duty information is clear It singly include the core duty information needed when full insurance responsibility core is blamed in above-mentioned policy information；Information is blamed according to core and third party is flat The scene of the mapping relations of platform, above-mentioned core duty information inventory and above-mentioned insurance risk obtains core duty letter from third-party platform Breath；Information and above-mentioned policy information are blamed according to above-mentioned core, the processing of core duty is carried out to above-mentioned insurance risk, obtain core duty processing result.

Above-mentioned computer readable storage medium can be the internal storage unit of the above-mentioned terminal of aforementioned any embodiment, example Such as the hard disk or memory of terminal.Above-mentioned computer readable storage medium is also possible to the External memory equipment of above-mentioned terminal, such as The plug-in type hard disk being equipped in above-mentioned terminal, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card) etc..Further, above-mentioned computer readable storage medium can also be wrapped both The internal storage unit for including above-mentioned terminal also includes External memory equipment.Above-mentioned computer readable storage medium is above-mentioned for storing Other programs and data needed for computer program and above-mentioned terminal.Above-mentioned computer readable storage medium can be also used for temporarily When store the data that has exported or will export.

Fig. 5 is a kind of server architecture schematic diagram provided by the embodiments of the present application, which can be because of configuration or performance It is different and generate bigger difference, it may include one or more central processing units (central processing Units, CPU) 522 (for example, one or more processors) and memory 532, one or more storages apply journey The storage medium 530 (such as one or more mass memory units) of sequence 542 or data 544.Wherein, 532 He of memory Storage medium 530 can be of short duration storage or persistent storage.The program for being stored in storage medium 530 may include one or one With upper module (diagram does not mark), each module may include to the series of instructions operation in server.Further, in Central processor 522 can be set to communicate with storage medium 530, execute on server 500 a series of in storage medium 530 Instruction operation.

Server 500 can also include one or more power supplys 526, one or more wired or wireless networks Interface 550, one or more input/output interfaces 558, and/or, one or more operating systems 541, such as Windows ServerTM, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM etc..

The step as performed by server can be based on the server architecture shown in fig. 5 in above-described embodiment.

Those of ordinary skill in the art may be aware that list described in conjunction with the examples disclosed in the embodiments of the present disclosure Member and algorithm steps, can be realized with electronic hardware, computer software, or a combination of the two, in order to clearly demonstrate hardware With the interchangeability of software, each exemplary composition and step are generally described according to function in the above description.This A little functions are implemented in hardware or software actually, the specific application and design constraint depending on technical solution.Specially Industry technical staff can use different methods to achieve the described function each specific application, but this realization is not It is considered as beyond scope of the present application.

It is apparent to those skilled in the art that for convenience of description and succinctly, foregoing description is The specific work process of system, server, terminal device and unit, can refer to corresponding processes in the foregoing method embodiment, This is repeated no more.

In several embodiments provided herein, it should be understood that disclosed system, server and method, it can To realize by another way.For example, the apparatus embodiments described above are merely exemplary, for example, said units Division, only a kind of logical function partition, there may be another division manner in actual implementation, such as multiple units or group Part can be combined or can be integrated into another system, or some features can be ignored or not executed.In addition, it is shown or The mutual coupling, direct-coupling or communication connection discussed can be through some interfaces, the indirect coupling of device or unit It closes or communicates to connect, be also possible to electricity, mechanical or other forms connections.

Above-mentioned unit as illustrated by the separation member may or may not be physically separated, aobvious as unit The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple In network unit.Some or all of unit therein can be selected to realize the embodiment of the present application scheme according to the actual needs Purpose.

It, can also be in addition, each functional unit in each embodiment of the application can integrate in one processing unit It is that each unit physically exists alone, is also possible to two or more units and is integrated in one unit.It is above-mentioned integrated Unit both can take the form of hardware realization, can also realize in the form of software functional units.

If above-mentioned integrated unit is realized in the form of SFU software functional unit and sells or use as independent product When, it can store in a computer readable storage medium.Based on this understanding, the technical solution of the application is substantially The all or part of the part that contributes to existing technology or the technical solution can be in the form of software products in other words It embodies, which is stored in a storage medium, including some instructions are used so that a computer Equipment (can be personal computer, server or the network equipment etc.) executes the complete of each embodiment above method of the application Portion or part steps.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), magnetic or disk etc. are various can store journey The medium of sequence code.

The above, the only specific embodiment 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 health insurance core blames data processing method characterized by comprising

The health insurance Claims Resolution request that applicant sends is received, the health insurance Claims Resolution request includes insurant's identity information, guarantor The time of origin of dangerous accident and the scene of insurance risk；

Insurant is obtained from database according to the insurant's identity information for including in health insurance Claims Resolution request to insure Health insurance insurance kind policy information；

Core is generated according to the policy information and blames information inventory, and the core duty information inventory includes whole in the policy information The core duty information that insurance responsibility core needs when blaming；

The generation of the mapping relations, core duty information inventory and the insurance risk of information and third-party platform is blamed according to core Place obtains core from third-party platform and blames information；

Information and the policy information are blamed according to the core, the processing of core duty is carried out to above-mentioned insurance risk, obtain core duty processing knot Fruit.

2. the method according to claim 1, wherein including according in health insurance Claims Resolution request described Insurant's identity information is after the policy information for obtaining the health insurance insurance kind that insurant insures in database, the method Further include:

If judging the insurance thing in the insurance period that the time that the insurance risk occurs includes in the policy information Therefore occur time whether include in the policy information waiting period after；

If being executed described according to institute after the waiting period that the time that the insurance risk occurs includes in the policy information State the step of policy information generates core duty information inventory.

3. according to the method described in claim 2, it is characterized in that, described clear according to policy information generation core duty information It is single, comprising:

Core duty is generated according to the insurance responsibility for including in the mapping relations and above-mentioned policy information of insurance responsibility and core duty information Information inventory.

4. according to the method described in claim 3, it is characterized in that, the mapping for blaming information and third-party platform according to core is closed The scene of system, core duty information inventory and the insurance risk obtains core duty information from third-party platform

The mapping relations of information and third-party platform are blamed according to core, core duty information inventory determines the third for obtaining core duty information Fang Pingtai and the corresponding core of third-party platform blame information list；

It receives the third-party platform that third-party platform is sent and information list and insurant's identity information is blamed from institute according to the core State the core duty information obtained in third-party platform database.

5. according to the method described in claim 4, it is characterized in that, in the mapping for blaming information and third-party platform according to core Relationship, the core duty information inventory and the insurance risk scene from third-party platform obtain core duty information after, The method also includes:

Semantics recognition is carried out to the text information in the core duty information of the insurance risk and obtains semantics recognition as a result, to the guarantor Image information in the core duty information of dangerous accident carries out image recognition and obtains image recognition result；

Text information and image information will be removed in the core duty information of the semantics recognition result, image recognition result and insurance risk Outer other information carries out structuring according to preset structured format and handles to obtain core duty data.

6. according to the method described in claim 5, it is characterized in that, described blame information and the policy information pair according to the core Above-mentioned insurance risk carries out the processing of core duty, comprising:

According to the insurance responsibility for including in the mapping relations and the policy information of insurance responsibility and core duty rule from rule base Obtain the corresponding core duty rule of the insurance responsibility for including in the policy information；

The first insurance responsibility corresponding first in the insurance duty for including in the policy information is extracted from core duty data Core blames data, and first insurance responsibility is any one insurance responsibility in the insurance duty for including in the policy information；

Data are blamed according to first core and the corresponding first core duty rule of first insurance responsibility judges the insurance risk Whether the condition of first insurance responsibility is met, if the insurance risk meets the condition of the first insurance responsibility, it is determined that the insurer First insurance responsibility is undertaken to the insurance risk；

Judge whether the insurer undertakes the guarantor for including in the policy information using method identical with the first insurance responsibility Other insurance responsibilities in dangerous responsibility in addition to the first insurance responsibility.

7. method according to claim 1-6, which is characterized in that described according to core duty information and described After policy information carries out the processing of core duty to above-mentioned insurance risk, the method also includes:

The feedback information is sent to the user terminal.

8. a kind of server, which is characterized in that including for executing such as method as claimed in any one of claims 1 to 7 Unit.

9. a kind of server, which is characterized in that the server includes processor, memory and communication module, wherein described to deposit Reservoir is for storing program code, and the processor is for calling said program code to execute such as any one of claim 1-7 The method.

10. a kind of computer readable storage medium, which is characterized in that the computer storage medium is stored with computer program, The computer program includes program instruction, and described program instruction makes the processor execute such as right when being executed by a processor It is required that the described in any item methods of 1-7.