CN112132527A - Claims investigation method and device based on enterprise monitoring data - Google Patents
Claims investigation method and device based on enterprise monitoring data Download PDFInfo
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- CN112132527A CN112132527A CN202010789877.9A CN202010789877A CN112132527A CN 112132527 A CN112132527 A CN 112132527A CN 202010789877 A CN202010789877 A CN 202010789877A CN 112132527 A CN112132527 A CN 112132527A
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/10—Office automation; Time management
- G06Q10/109—Time management, e.g. calendars, reminders, meetings or time accounting
- G06Q10/1091—Recording time for administrative or management purposes
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V20/00—Scenes; Scene-specific elements
- G06V20/40—Scenes; Scene-specific elements in video content
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
- G06V40/16—Human faces, e.g. facial parts, sketches or expressions
- G06V40/172—Classification, e.g. identification
Abstract
The invention provides a method and a device for claim investigation based on enterprise monitoring data, wherein the method is applied to an online investigation system and comprises the following steps: receiving a claim settlement application submitted by a user; the claim settlement application comprises accident information, casualty staff information and medical information; verifying the claim application and the claim application according to enterprise monitoring data corresponding to the claim application; if the medical information passes the verification, the medical information is continuously verified; and if the check fails, stopping the claim examination and verification. The method and the system verify whether the claim application is correct or not by checking the claim application through the enterprise monitoring data, do not need a user to submit complicated claim proving materials, effectively verify the authenticity of the claim application, and improve the speed and accuracy of the claim checking.
Description
Technical Field
The invention relates to the technical field of insurance claims, in particular to a claim settlement method and device based on enterprise monitoring data.
Background
In order to guarantee the safe production of the high-risk industry, safety production responsibility insurance (called safety responsibility insurance for short) is provided, which is insurance for paying the responsibility for death and disabilities after production safety accidents of production enterprises. The security risk has the economic compensation effect on accident personnel or family members and the compensation responsibility transfer effect on an enterprise employer, the 'non-loss' principle is implemented, the 'important loss responsibility of the insurance enterprise' and 'behavior violating safety regulations' specified by general business risk categories are eliminated without the need of removing the terms of responsibility, and the guarantee function is more comprehensive.
The claims settlement and guarantee function of the security insurance has been developed and is mature, however, the following problems exist in the claims settlement process: when an enterprise applies for claim settlement, a large amount of claim settlement data must be provided, and the data preparation process is complex; when an enterprise provides a claim material, problems such as false misrepresentation may exist, and it is difficult for an insurance company to quickly verify the authenticity of the material. The problems make the advantages of insurance guarantee of the corresponding security insurance difficult to play.
Disclosure of Invention
The invention solves the problems that the preparation of claim materials existing in insurance claims is complex and the verification of the claim materials is difficult.
In order to solve the above problems, the present invention provides a method for claim investigation based on enterprise monitoring data, which is applied to an online investigation system, and the method comprises: receiving a claim settlement application submitted by a user; the claim settlement application comprises accident information, casualty staff information and medical information; verifying the claim application according to enterprise monitoring data corresponding to the claim application; if the medical information passes the verification, the medical information is continuously checked; if the check is passed, the claim check is stopped.
Optionally, the online survey system accesses the enterprise monitoring system of the user in advance, and the method further includes: and if the claim settlement application submitted by the user is received, acquiring the enterprise monitoring data from the enterprise monitoring system.
Optionally, before the verifying the enterprise monitoring data corresponding to the claim application, the method further includes: and receiving enterprise monitoring data which is submitted by the user and corresponds to the claim settlement application.
Optionally, the enterprise monitoring data includes: attendance record data, attendance video data and operation video data; the verifying the claim application according to the enterprise monitoring data corresponding to the claim application comprises: determining whether the employee is an on-duty employee or not according to the casualty employee information and the attendance record data; if the staff is the on-duty staff, determining whether the staff is the on-duty staff on the accident occurrence day according to the accident information, the casualty staff information and the attendance video data; and if the staff is the staff on duty on the accident occurrence day, determining whether the staff is the staff on the accident occurrence site according to the accident information, the casualty staff information and the operation video data.
Optionally, the determining whether the employee is an on-duty employee according to the casualty employee information and the attendance record data includes: inquiring the attendance record and the work-in and work-out place record of the casualty staff information within a preset date in the attendance record data; and if the working record and the working place access record in the preset date are not abnormal, determining the working staff to be the working staff.
Optionally, the determining whether the staff is a daily staff on duty when the accident occurs according to the accident information, the casualty staff information, and the attendance video data includes: inquiring whether corresponding target attendance video data exist in the attendance video data according to the accident time corresponding to the accident information; if the target attendance video data exist, identifying whether the human face features corresponding to the casualty employee information exist in the target attendance video data; and if the face features exist, determining the face features as staff working on the day of the accident.
Optionally, the determining, according to the accident information, the casualty staff information, and the job video data, whether the staff is a job on the scene of the accident includes: inquiring whether the operation video data has corresponding target operation video data or not according to the accident time and the accident place corresponding to the accident information; if the target operation video data exists, identifying whether the human face features corresponding to the casualty employee information exist in the target operation video data; and if the human face features exist, determining the human face features as field operation staff of the accident.
Optionally, the continuing to review the medical information comprises: acquiring the injury grade of the personnel according to the medical certification material corresponding to the medical information; auditing whether the injury grade of the personnel reaches the claim settlement standard; if yes, determining to execute claim payment; if not, determining not to execute the claim payment.
Optionally, the method further comprises: and checking whether the corresponding claim payment grade of the claim application is correct or not.
The invention provides a claim investigation device based on enterprise monitoring data, which is applied to an online investigation system, and comprises: the receiving module is used for receiving a claim settlement application submitted by a user; the claim settlement application comprises accident information, casualty staff information and medical information; the first verification module is used for verifying the claim application according to enterprise monitoring data corresponding to the claim application; the second verification module is used for checking the medical information in a claim settlement manner if the verification is passed; and the claim stopping module is used for stopping claim examination and verification if the examination and verification is not passed.
The method and the device for claim investigation based on enterprise monitoring data provided by the embodiment of the invention are applied to an online investigation system, and can check the claim application submitted by a user according to the enterprise monitoring data corresponding to the claim application, continue to check the medical information if the check is passed, and stop the claim check if the check is not passed. Whether the claim application is correct is verified in a way that the enterprise monitoring data verifies the claim application, and a user does not need to submit complicated claim proving materials, and the online survey system can automatically survey whether the claim application conforms to the enterprise monitoring data, so that the authenticity of the claim application is effectively verified, and the speed and the accuracy of the claim verification are improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
FIG. 1 is a schematic flow chart of a method for claim investigation based on enterprise monitoring data in one embodiment of the present invention,
figure 2 is a schematic flow diagram of a method of claim investigation based on coal mine monitoring data in an embodiment of the invention,
fig. 3 is a schematic structural diagram of an apparatus for claim investigation based on enterprise monitoring data according to an embodiment of the present invention.
Description of reference numerals:
301-a receiving module; 302-a first verification module; 303-a second verification module; 304-abort claims module.
Detailed Description
In order to make the aforementioned objects, features and advantages of the present invention comprehensible, embodiments accompanied with figures are described in detail below. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
Fig. 1 is a schematic flow chart of a method for claim investigation based on enterprise monitoring data according to an embodiment of the present invention, which can be applied to an online investigation system for performing online verification on a claim application submitted by a user based on enterprise monitoring data. The method comprises the following steps:
and S102, receiving a claim settlement application submitted by a user.
The on-line survey system can receive a claim settlement application submitted by a user on line, wherein the claim settlement application can comprise accident information, casualty staff information and medical information, the accident information can comprise an accident site, accident time, accident type, accident severity grade and the like, the casualty staff information can comprise casualty staff names, pictures, identity numbers, staff job numbers, casualty grades and the like, and the medical information comprises medical certification materials and the like.
When a user submits a claim application, the user only needs to submit the claim application without submitting complicated claim certification materials, and the online survey system can verify the authenticity of the claim application based on enterprise monitoring data corresponding to the claim application.
And S104, checking the claim application according to the enterprise monitoring data corresponding to the claim application.
The enterprise monitoring data may include: attendance record data, attendance video data, operation video data and the like, wherein the attendance record data can comprise attendance records of employees, access work place records and the like, the attendance video data can comprise attendance monitoring videos acquired by video equipment and acquired by the employees during work, attendance monitoring videos acquired by the employees during access work places and the like, and the operation video data can comprise monitoring videos acquired by the video equipment and acquired by various work places of enterprises.
The enterprise monitoring data corresponding to the claim application can be enterprise monitoring data related to the accident time, place and casualty staff of the accident corresponding to the claim application.
As a feasible implementation manner, the online survey system may have access to an enterprise monitoring system of the user in advance, and the enterprise monitoring system stores enterprise monitoring data, and may have a personnel monitoring subsystem, a video monitoring subsystem, and the like built therein. The online survey system may obtain enterprise monitoring data required for a survey claims application from the enterprise monitoring system, and therefore the method may further include the steps of: and if a claim settlement application submitted by the user is received, acquiring enterprise monitoring data from the enterprise monitoring system.
As another possible implementation manner, the online survey system may receive online enterprise monitoring data related to the claim application, which is actively submitted by the user, and before surveying whether the claim application conforms to the enterprise monitoring data corresponding to the claim application, the method may further include the following steps: and receiving enterprise monitoring data which is submitted by a user and corresponds to the claim settlement application.
Based on the two embodiments, for example, for insurance compensation of casualties, the user does not need to submit complicated proof-of-claim materials, the online survey system can autonomously extract or passively receive enterprise monitoring data of conditions such as specific time, place, personnel and the like related to the claim application submitted by the user, and then automatically survey whether the claim application conforms to the enterprise monitoring data, so that the authenticity of the claim application can be rapidly and effectively checked. Due to the fact that the enterprise monitoring data is not easy to tamper and forge, the verification accuracy can be improved based on the verification claim application.
And S106, if the verification is passed, continuously verifying the medical information.
And if the verification is passed, other claim settlement verification procedures are continued, including medical information verification, insurance claim payment grade verification and the like. For example, it may further include: acquiring the injury grade of the personnel according to the medical certification material corresponding to the medical information; auditing whether the injury grade of the personnel reaches the claim settlement standard or not; if yes, determining to execute claim payment; if not, determining not to execute the claim payment. Or, whether the corresponding claim payment grade of the claim settlement application is correct or not is checked.
Wherein the injury rating of the person may be determined from the medical certification material or directly obtained from the injury rating of the person recorded in the medical certification material. For example, the medical certification material is subjected to text recognition to obtain the injury level of the person recorded therein. And checking whether the injury grade of the personnel corresponding to the medical proof material reaches the claim settlement standard or not, thereby determining the accuracy of the claim settlement. After the personnel injury condition is audited, the check of the claim payment grade can be carried out, and the accuracy of the claim payment grade provided by the claim settlement application is determined.
And S108, if the check fails, stopping the claim settlement check.
Alternatively, in the event that the audit does not pass, the user may be sent a verification record at the same time. The verification record may include information such as current verification content, current verification exception result, and the like. When the check fails, the claim check needs to be temporarily suspended, the current check record is saved, and the check record is sent to the user, so as to prompt the user to re-submit the claim application and/or enterprise monitoring data based on the check record.
The method for claim investigation based on enterprise monitoring data provided by this embodiment is applied to an online investigation system, and can check a claim application submitted by a user according to enterprise monitoring data corresponding to the claim application, and if the check is passed, the medical information is continuously checked, and if the check is not passed, the claim check is stopped. Whether the claim application is correct is verified in a way that the enterprise monitoring data verifies the claim application, and a user does not need to submit complicated claim proving materials, and the online survey system can automatically survey whether the claim application conforms to the enterprise monitoring data, so that the authenticity of the claim application is effectively verified, and the speed and the accuracy of the claim verification are improved.
In one embodiment, the enterprise monitoring data includes: the attendance record data, the attendance video data and the operation video data can jointly determine the authenticity of the casualty staff corresponding to the claim settlement through verifying whether the casualty staff is working, whether the casualty staff is working on duty on the accident occurrence day and whether the casualty staff is working on the accident occurrence site. Based on this, the above S104 may be performed according to the following steps:
and A, determining whether the staff is the working staff or not according to the casualty staff information and the attendance record data.
For example, the attendance record data is inquired about the attendance record and the work place access record of casualty staff information within a preset date. If the working record and the in-out operation place record in the preset date are not abnormal, determining the working staff as the working staff; and if the attendance record of the card or the log-in and log-out of the operation place in the preset date is abnormal, determining that the verification fails.
Optionally, the preset date is a date interval with the time of job as a starting point and the length of 1 year or half year as a starting point; for the working record and the working place access record, the dimension such as working time length, working place internal time length, working time, working place internal time length and the like can be compared to determine whether the working record and the working place access record are abnormal or not.
And B, if the staff is the on-duty staff, determining whether the staff is the on-duty staff on the day of the accident according to the accident information, the casualty staff information and the attendance video data.
For example, whether corresponding target attendance video data exists in the attendance video data or not is inquired according to the accident time corresponding to the accident information; and if the target attendance video data exist, identifying whether the human face features corresponding to the casualty employee information exist in the target attendance video data. If the face features exist, determining the face features as workers working on the day of the accident; if the human face features do not exist, the verification fails.
Specifically, whether an attendance video corresponding to the accident time exists or not is determined, and then whether a face corresponding to the casualty employee information appears in the corresponding attendance video or not is determined through face recognition, so that whether the attendance video is an accident day office employee or not is determined.
And C, if the staff is the staff on duty on the accident occurrence day, determining whether the staff is the staff on the accident occurrence site according to the accident information, the casualty staff information and the operation video data.
For example, whether corresponding target operation video data exists in the operation video data is inquired according to the accident time and the accident location corresponding to the accident information; and if the target operation video data exists, identifying whether the human face features corresponding to the casualty employee information exist in the target operation video data. If the human face features exist, determining the personnel to be field operation personnel in the accident; and if the human face features do not exist, determining that the verification fails.
The process of claim investigation based on enterprise monitoring data is described in detail below. Fig. 2 is a schematic flowchart of a method for claim settlement and exploration based on coal mine monitoring data according to an embodiment of the present invention, which is described by taking a user as a coal mine enterprise as an example, and includes:
s201, the coal mine submits a claim settlement application to an online survey system of an insurance company.
The claims application at least comprises accident information and casualty staff information.
And S202, confirming whether the casualty staff is the working staff or not. If yes, go to S203; if not, go to step S208.
The casualty staff can check whether results exist or not and whether abnormal data exist in the results or not by inquiring the time of job entry, the card punching record of the last half year and the well entry and exit record. If the result is obtained and the abnormal condition does not exist, the subsequent surveying step is continuously executed, otherwise, the result which does not pass the surveying is fed back to the coal mine.
And S203, confirming whether the casualty staff is a daily office staff for the accident.
The identity matching can be carried out according to the casualty employee job number and the face, and the identity card number of the employee and the card punching video picture of the accident on the same day are matched. If the result exists, the follow-up survey steps are continuously executed, otherwise, the result that the survey fails is fed back to the coal mine.
And S204, confirming whether the casualty staff is a worker on the accident site.
The video pictures of the underground operation of the staff can be matched according to the accident time and place. If the result exists, the follow-up survey steps are continuously executed, otherwise, the result that the survey fails is fed back to the coal mine.
And S205, according to the casualty condition and the medical proof material in the claim application, whether the matching severity grade degrees are consistent or not is judged.
For medical certification material, the severity level of casualties recorded therein may be identified by means of OCR (Optical Character Recognition). If the severity levels of the two are consistent, the follow-up survey steps are continuously executed, otherwise, the results of the failed survey are fed back to the coal mine.
And S206, checking the claim payment grade.
And S207, rapidly paying and storing the claim settlement record.
And S208, pushing the query result to the coal mine.
And feeding the query result back to the coal mine applying for claim settlement, wherein the query result comprises a record of non-conformity of query aiming at claim settlement application and coal mine monitoring data, and prompting the coal mine to report again.
According to the method for checking and surveying the claim based on the coal mine monitoring data, on the basis of ensuring the claim compliance, the number of clients providing claim data can be reduced, insurance companies can quickly verify the authenticity of reported accidents, fast claim is realized, and the customer satisfaction is improved.
Fig. 3 is a schematic structural diagram of an apparatus for claim investigation based on enterprise monitoring data according to an embodiment of the present invention, the apparatus is applied to an online investigation system, and the apparatus includes:
a receiving module 301, configured to receive a claim settlement application submitted by a user; the claim settlement application comprises accident information, casualty staff information and medical information;
the first verification module 302 is configured to verify the claim application according to enterprise monitoring data corresponding to the claim application;
the second verification module 303 is configured to continue to verify the medical information if the verification is passed;
and the claim termination module 304 is used for terminating the claim review if the verification fails.
The claim checking and surveying device based on enterprise monitoring data provided by the embodiment checks whether the claim application is correct or not in a manner of checking the claim application through the enterprise monitoring data, and does not need a user to submit complicated claim certification materials, and the on-line surveying system can automatically survey whether the claim application conforms to the enterprise monitoring data, so that the authenticity of the claim application is effectively checked, and the claim checking speed and accuracy are improved.
Optionally, as an embodiment, the apparatus further includes a data obtaining module, configured to: and if the claim settlement application submitted by the user is received, acquiring the enterprise monitoring data from the enterprise monitoring system.
Optionally, as an embodiment, the data obtaining module is further configured to: and receiving enterprise monitoring data which is submitted by the user and corresponds to the claim settlement application.
Optionally, as an embodiment, the enterprise monitoring data includes: attendance record data, attendance video data and operation video data; the first verification module 302 is specifically configured to: determining whether the employee is an on-duty employee or not according to the casualty employee information and the attendance record data; if the staff is the on-duty staff, determining whether the staff is the on-duty staff on the accident occurrence day according to the accident information, the casualty staff information and the attendance video data; and if the staff is the staff on duty on the accident occurrence day, determining whether the staff is the staff on the accident occurrence site according to the accident information, the casualty staff information and the operation video data.
Optionally, as an embodiment, the first verification module 302 is specifically configured to: inquiring the attendance record and the work-in and work-out place record of the casualty staff information within a preset date in the attendance record data; and if the working record and the working place access record in the preset date are not abnormal, determining the working staff to be the working staff.
Optionally, as an embodiment, the first verification module 302 is specifically configured to: inquiring whether corresponding target attendance video data exist in the attendance video data according to the accident time corresponding to the accident information; if the target attendance video data exist, identifying whether the human face features corresponding to the casualty employee information exist in the target attendance video data; and if the face features exist, determining the face features as staff working on the day of the accident.
Optionally, as an embodiment, the first verification module 302 is specifically configured to: inquiring whether the operation video data has corresponding target operation video data or not according to the accident time and the accident place corresponding to the accident information; if the target operation video data exists, identifying whether the human face features corresponding to the casualty employee information exist in the target operation video data; and if the human face features exist, determining the human face features as field operation staff of the accident.
Optionally, as an embodiment, the second verification module 303 is specifically configured to: acquiring the injury grade of the personnel according to the medical certification material corresponding to the medical information; auditing whether the injury grade of the personnel reaches the claim settlement standard; if yes, determining to execute claim payment; if not, determining not to execute the claim payment.
Optionally, as an embodiment, the second verification module 303 is specifically configured to: and checking whether the corresponding claim payment grade of the claim application is correct or not.
The claim investigation device based on the enterprise monitoring data provided in the above embodiment can implement each process in the above embodiment of the claim investigation method based on the enterprise monitoring data, and is not described here again to avoid repetition.
The embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the computer program implements each process of the embodiment of the method for claim investigation based on enterprise monitoring data, and can achieve the same technical effect, and in order to avoid repetition, details are not repeated here. The computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk.
Of course, those skilled in the art will understand that all or part of the processes in the methods of the above embodiments may be implemented by instructing the control device to perform operations through a computer, and the programs may be stored in a computer-readable storage medium, and when executed, the programs may include the processes of the above method embodiments, where the storage medium may be a memory, a magnetic disk, an optical disk, and the like.
In this document, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The embodiments in the present description are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. An claim settlement investigation method based on enterprise monitoring data, which is applied to an online investigation system, and comprises the following steps:
receiving a claim settlement application submitted by a user; the claim settlement application comprises accident information, casualty staff information and medical information;
verifying the claim application according to enterprise monitoring data corresponding to the claim application;
if the medical information passes the verification, the medical information is continuously checked;
and if the check fails, stopping the claim examination and verification.
2. The method of claim 1, wherein the online survey system has prior access to the user's enterprise monitoring system, the method further comprising:
and if the claim settlement application submitted by the user is received, acquiring the enterprise monitoring data from the enterprise monitoring system.
3. The method according to claim 1, wherein prior to the verifying the enterprise monitoring data corresponding to the claim application, the method further comprises:
and receiving enterprise monitoring data which is submitted by the user and corresponds to the claim settlement application.
4. The method of any of claims 1-3, wherein the enterprise monitoring data comprises: attendance record data, attendance video data and operation video data; the verifying the claim application according to the enterprise monitoring data corresponding to the claim application comprises:
determining whether the employee is an on-duty employee or not according to the casualty employee information and the attendance record data;
if the staff is the on-duty staff, determining whether the staff is the on-duty staff on the accident occurrence day according to the accident information, the casualty staff information and the attendance video data;
and if the staff is the staff on duty on the accident occurrence day, determining whether the staff is the staff on the accident occurrence site according to the accident information, the casualty staff information and the operation video data.
5. The method of claim 4, wherein the determining whether the employee is an on-duty employee according to the casualty employee information and the attendance record data comprises:
inquiring the attendance record and the work-in and work-out place record of the casualty staff information within a preset date in the attendance record data;
and if the working record and the working place access record in the preset date are not abnormal, determining the working staff to be the working staff.
6. The method of claim 4, wherein determining whether the staff member is a day office staff member for the accident according to the accident information, the casualty staff information and the attendance video data comprises:
inquiring whether corresponding target attendance video data exist in the attendance video data according to the accident time corresponding to the accident information;
if the target attendance video data exist, identifying whether the human face features corresponding to the casualty employee information exist in the target attendance video data;
and if the face features exist, determining the face features as staff working on the day of the accident.
7. The method of claim 4, wherein the determining whether the staff is a staff working at the scene of the accident according to the accident information, the casualty staff information and the working video data comprises:
inquiring whether the operation video data has corresponding target operation video data or not according to the accident time and the accident place corresponding to the accident information;
if the target operation video data exists, identifying whether the human face features corresponding to the casualty employee information exist in the target operation video data;
and if the human face features exist, determining the human face features as field operation staff of the accident.
8. The method of claim 1, wherein the continuing to review the medical information comprises:
acquiring the injury grade of the personnel according to the medical certification material corresponding to the medical information;
auditing whether the injury grade of the personnel reaches the claim settlement standard;
if yes, determining to execute claim payment; if not, determining not to execute the claim payment.
9. The method according to claim 1 or 8, characterized in that the method further comprises:
and checking whether the corresponding claim payment grade of the claim application is correct or not.
10. An apparatus for claim investigation based on enterprise monitoring data, applied to an online investigation system, the apparatus comprising:
the receiving module is used for receiving a claim settlement application submitted by a user; the claim settlement application comprises accident information, casualty staff information and medical information;
the first verification module is used for verifying the claim application according to enterprise monitoring data corresponding to the claim application;
the second verification module is used for continuously verifying the medical information if the verification is passed;
and the claim stopping module is used for stopping claim examination and verification if the examination and verification is not passed.
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