CN113191910A

CN113191910A - Self-service insurance application method and device, electronic equipment and storage medium

Info

Publication number: CN113191910A
Application number: CN202110579816.4A
Authority: CN
Inventors: 薛磊
Original assignee: Guoren Property Insurance Co ltd
Current assignee: Guoren Property Insurance Co ltd
Priority date: 2021-05-26
Filing date: 2021-05-26
Publication date: 2021-07-30

Abstract

The embodiment of the invention provides a self-service insurance application method, which comprises the following steps: sending an application request, and acquiring an interactive application UI (user interface); performing first information input in an interactive mode; according to a preset identification algorithm, identifying and correcting the input first information to obtain second information; verifying the second information to obtain third information comprising real-name authentication of the applicant and the beneficiary; checking the integrity of the third information and giving a prompt; confirming and submitting the third information to generate an electronic insurance policy; acquiring insurance policy payment information, and completing the electronic insurance policy after payment is completed; encrypting the electronic insurance policy by a preset encryption algorithm and combining with the third information to obtain a ciphertext insurance policy; and uploading and storing the ciphertext policy. By carrying out real-time interaction in the insuring process, errors are avoided, besides handwriting and recording, audio and video input and identification are supported, the efficiency is improved, and after a policy is generated, encryption is carried out to ensure the safety of data.

Description

Self-service insurance application method and device, electronic equipment and storage medium

Technical Field

The invention relates to the technical field of anti-counterfeiting of graphic labels, in particular to a self-service insurance application method and device, electronic equipment and a storage medium.

Background

Insuring is the process by which an applicant contracts with an insurer (usually an insurance company) and pays an premium under the insurance contract. The applicant, also called the insurer, is the person who has an insurance contract with the insurer and has the obligation to pay the premium under the insurance contract. Both natural and legal people can become insurance applicants. The conditions for becoming the applicant are as follows: the corresponding civil right ability and behavior ability are provided; has insurance benefits for the insurance target.

At present, along with the development of science and technology, insurance Application modes are also diversified, for example, insurance Application is performed through a telephone, namely, a user can dial a customer service telephone of an insurance company who wants to participate in insurance, transfer the telephone to manual service for insurance Application and perform insurance Application through a business hall, the user can go to a counter of a business website of the insurance company for consultation, handle insurance Application business and perform insurance Application through a website of the insurance company, the user can search an official website of the insurance company for login, select an insurance product of a psychoscope for insurance Application and perform insurance Application through an App of the insurance company, and the user can download the App (Application program) of the insurance company in a mobile phone and perform insurance Application after login.

However, the existing insurance application method has poor interactivity, but some ordinary insurance application personnel in insurance industry can not understand the statement words, especially information filling errors are likely to occur during automatic insurance application assistance, and the existing input is terminal typing or handwriting input, so that the efficiency is low, and encryption transmission is not performed after an electronic insurance policy is generated, and data protection is not enough.

Disclosure of Invention

In view of the above problems, embodiments of the present invention are proposed to provide a self-help application method, apparatus, electronic device and storage medium that overcome or at least partially solve the above problems.

In order to solve the above problems, the embodiment of the present invention discloses a self-help insurance application method, which includes:

sending an application request, and acquiring an interactive application UI (user interface);

performing first information input in an interactive mode, specifically, inputting in any one or more combination modes of interactive manual filling, interactive handwriting input, interactive voice input and interactive audio and video input;

according to a preset identification algorithm, identifying and correcting the first information input to obtain second information;

verifying the second information obtained after correction to obtain third information comprising real-name authentication of the applicant and the beneficiary;

checking the integrity of the third information and giving a prompt;

confirming and submitting the third information to generate an electronic insurance policy;

acquiring insurance policy payment information, and completing the electronic insurance policy after payment is completed;

encrypting the electronic insurance policy by a preset encryption algorithm and combining third information of the applicant and/or the beneficiary to obtain a ciphertext insurance policy;

and uploading and storing the ciphertext policy.

Further, the interactive first information entry includes:

popping up an input prompt according to text and/or voice and/or video;

carrying out prompt response according to the input prompt;

and marking and recording the content of the prompt response to obtain first information.

Further, the recognizing and correcting the first information entered according to a preset recognition algorithm to obtain second information includes:

identifying whether the content filled by hands has wrong words and whether the sentence is correct or not,

and/or the presence of a gas in the gas,

recognizing and converting the first information input by handwriting into characters, checking and correcting the characters, words and sentences,

and/or the presence of a gas in the gas,

recognizing and converting the first information of the interactive voice input into characters, and checking and correcting the characters, words and sentences,

and/or the presence of a gas in the gas,

and identifying the first information recorded by the interactive audio and video, specifically, extracting images and audio in the audio and video information for storage, converting the audio into characters, and checking and correcting the characters, words and sentences.

Further, the verifying the second information obtained after the correcting to obtain third information including real-name authentication of the insurer and the beneficiary further includes:

inputting or extracting identity information and at least one type of biological characteristic identification information of the applicant from the first information;

inputting or extracting effective identity information and at least one type of biological characteristic identification information of the beneficiary from the first information;

and sending the identity information of the applicant and the beneficiary to a public security verification system for verification to obtain a verification result.

Further, the biometric information includes: fingerprint features, finger vein features, palm vein features, dorsal vein features, iris features, vocal print features, palm geometry features, and retinal features.

Further, the checking the integrity of the third information and giving a prompt includes:

when the third information is detected to contain complete policy mandatory information, finishing filling is prompted;

and when the third information is detected to contain incomplete policy-requiring information, prompting to supplement the third information.

Further, the uploading and storing the ciphertext policy further includes:

and inquiring the electronic insurance policy by self according to the identity information or the biological characteristic information of the applicant or the beneficiary.

The embodiment of the invention also discloses a self-service insurance application device, which comprises:

the application request module is used for sending an application request and acquiring an interactive application UI (user interface);

the interactive input module is used for carrying out first information input in an interactive mode, specifically, the first information input is carried out in any one or more combination modes of interactive manual filling, interactive handwriting input, interactive voice input and interactive audio and video input;

the identification correction module is used for identifying and correcting the first information input according to a preset identification algorithm to obtain second information;

the information verification module is used for verifying the second information obtained after correction to obtain third information including real-name authentication of the insured person and the beneficiary;

the information checking module is used for checking the integrity of the third information and giving a prompt;

the insurance policy generating module is used for confirming and submitting the third information to generate an electronic insurance policy;

the insurance policy payment module is used for acquiring insurance policy payment information and completing the electronic insurance policy after payment is completed;

the insurance policy encryption module is used for encrypting the electronic insurance policy by a preset encryption algorithm and combining third information of the applicant and/or the beneficiary to obtain a ciphertext insurance policy;

and the uploading module is used for uploading and storing the ciphertext policy.

The embodiment of the invention also discloses electronic equipment which comprises a processor, a memory and a computer program which is stored on the memory and can run on the processor, wherein the computer program realizes the steps of the self-help insurance application method when being executed by the processor.

The embodiment of the invention also discloses a computer readable storage medium, wherein a computer program is stored on the computer readable storage medium, and the steps of the self-help insurance application method are realized when the computer program is executed by a processor.

The embodiment of the invention has the following advantages:

by carrying out real-time interaction in the insuring process, errors are avoided, besides handwriting and recording, audio and video input and identification are supported, the efficiency is improved, and after a policy is generated, encryption is carried out to ensure the safety of data.

Drawings

FIG. 1 is a flow chart of the steps of a self-service application method embodiment of the present invention;

FIG. 2 is a block diagram of the architecture of an embodiment of the self-service application device of the present invention;

FIG. 3 is a block diagram of a risk assessment computer device of the present invention.

Detailed Description

In order to make the aforementioned objects, features and advantages of the present invention comprehensible, embodiments accompanied with figures are described in further detail below.

One of the core ideas of the embodiment of the invention is that the first information input is carried out in an interactive mode, specifically, the first information input is carried out in any one or more combination modes of interactive manual filling, interactive handwriting input, interactive voice input and interactive audio and video input; according to a preset identification algorithm, identifying and correcting the first information input to obtain second information; verifying the second information obtained after correction to obtain third information comprising real-name authentication of the applicant and the beneficiary; checking the integrity of the third information and giving a prompt; confirming and submitting the third information to generate an electronic insurance policy; acquiring insurance policy payment information, and completing the electronic insurance policy after payment is completed; encrypting the electronic insurance policy by a preset encryption algorithm and combining third information of the applicant and/or the beneficiary to obtain a ciphertext insurance policy; and uploading and storing the ciphertext policy.

Referring to fig. 1, a flowchart illustrating steps of an embodiment of a self-help insurance application method of the present invention is shown, which may specifically include the following steps:

s100, sending an application request, and acquiring an interactive application UI (User Interface) Interface;

s200, performing first information input in an interactive mode, specifically, inputting in any one or more combination modes of interactive manual filling, interactive handwriting input, interactive voice input and interactive audio and video input;

s300, according to a preset identification algorithm, identifying and correcting the first information input to obtain second information;

s400, verifying the second information obtained after correction to obtain third information including real-name authentication of the insured person and the beneficiary;

s500, checking the integrity of the third information and giving a prompt;

s600, confirming and submitting the third information to generate an electronic insurance policy;

s700, acquiring insurance policy payment information, and completing the electronic insurance policy after payment is completed;

s800, encrypting the electronic insurance policy by a preset encryption algorithm and combining third information of an applicant and/or a beneficiary to obtain a ciphertext insurance policy;

and S900, uploading and storing the ciphertext policy.

In this embodiment, in step S200, a first information entry is performed in an interactive manner, specifically, a first information entry is performed in any one or more combination manners of an interactive manual filling, an interactive handwriting entry, an interactive voice entry, and an interactive audio/video entry;

further, popping up an input prompt according to text and/or voice and/or video; carrying out prompt response according to the input prompt; and marking and recording the content of the prompt response to obtain first information.

Understandably, in the above embodiment, prompt input is performed by selecting a text prompt mode, or a prompt mode of text and voice matching, or a prompt mode of video and audio matching, for example, corresponding video and audio are popped up to play content prompts to be filled in for each required item, and corresponding noun explanation, so that the applicant can conveniently understand the prompt; after the play is completed, if the applicant still has no understanding of the mandatory item, the applicant can play back or select a text and audio mode for prompting.

In an embodiment, in the step S300, the identifying and correcting the first information entered according to a preset identification algorithm to obtain the second information includes: whether the content filled manually has wrong characters and sentences or not is recognized, and/or whether the content filled manually has correct characters and sentences or not is recognized, and/or whether the first information input by handwriting is recognized and converted into characters, and whether the characters, the words and the sentences are checked and corrected, and/or whether the first information input by interactive voice is recognized and converted into characters, and whether the characters, the words and the sentences are checked and corrected, and/or whether the first information input by interactive audio and video is recognized, specifically, images and audios in the audio and video information are extracted to be stored, and audios are converted into characters, and the characters, the words and the sentences are checked and corrected.

Understandably, after information is input, the information is identified and corrected, corresponding positions of the insurance policy are filled in the identified characters, words and sentences, spelling check is carried out on the characters, the errors of the characters are avoided, grammar check is carried out on the words and the sentences, and the wrong characters and words are corrected; since recognition errors inevitably occur when audio or audio/video is converted into text, the converted text is checked and corrected, and the image and audio are stored for evidentiary use.

In an embodiment, in step S400, the verifying the corrected second information to obtain third information including real-name authentication of the insured person and the beneficiary further includes:

s401, inputting or extracting identity information and at least one type of biological characteristic identification information of the applicant from the first information;

s402, inputting or extracting effective identity information and at least one type of biological characteristic identification information of the beneficiary from the first information;

and S403, sending the identity information of the insurant and the beneficiary to a public security verification system for verification to obtain a verification result.

Understandably, in the step S401, when the information of the applicant is recorded, the video recording is not adopted, and the video can be adopted to collect the information of the applicant as a kind of biological characteristic identification information; if the video is recorded, the video can be extracted from the video information as the identity identification information of the applicant and a biological feature identification information, for example, facial features are extracted from the video for identification.

In the step S402, reference may be made to the step S401;

in step S403, the identified identity information of the applicant and the beneficiary is sent to a public security verification system for real-name verification.

In an embodiment, in step S500, the checking the integrity of the third information and giving a prompt includes: when the third information is detected to contain complete policy mandatory information, finishing filling is prompted; and when the third information is detected to contain incomplete policy-requiring information, prompting to supplement the third information.

It can be understood that although real-time interaction is performed during policy filling, if some information is filled according to filling habits and not according to the front and back sequence, the necessary information may be missed, and the integrity of the information is automatically checked, so that the filling accuracy is improved and the workload of manual checking is reduced.

In an embodiment, in step S900, the uploading and storing the ciphertext policy further includes: and inquiring the electronic insurance policy by self according to the identity information or the biological characteristic information of the applicant or the beneficiary.

It can be understood that the existing policy inquiry at least needs the policy number to inquire, however, the policy number is composed of 20 digits and is difficult to memorize, and especially when a plurality of policies exist, the policies are difficult to memorize and the policies are difficult to be memorized; even if the policy number is known, the policy number needs to be input one by one; the scheme can be inquired through the associated identity information or biological characteristic information, for example, the identity card is used for inquiring or one of fingerprint characteristics, finger vein characteristics, palm vein characteristics, hand back vein characteristics, iris characteristics, voiceprint characteristics and palm geometric characteristics is used for inquiring, and the method is convenient and efficient to carry any material.

It should be noted that, for simplicity of description, the method embodiments are described as a series of acts or combination of acts, but those skilled in the art will recognize that the present invention is not limited by the illustrated order of acts, as some steps may occur in other orders or concurrently in accordance with the embodiments of the present invention. Further, those skilled in the art will appreciate that the embodiments described in the specification are presently preferred and that no particular act is required to implement the invention.

In the embodiment of the present invention, referring to fig. 2, a block diagram of a structure of an embodiment of an automatic insurance application apparatus of the present invention is shown, and the structure may specifically include the following modules:

the application request module 100 is used for sending an application request and acquiring an interactive application UI interface; the interactive input module 200 is configured to perform first information input in an interactive manner, specifically, input in any one or more combination modes of interactive manual filling, interactive handwriting input, interactive voice input, and interactive audio/video input; the identification correction module 300 is configured to perform identification correction on the first information entered according to a preset identification algorithm to obtain second information; the information verification module 400 is used for verifying the second information obtained after correction to obtain third information including real-name authentication of the insured person and the beneficiary; an information checking module 500, configured to check integrity of the third information and give a prompt; a policy generation module 600, configured to confirm and submit the third information, and generate an electronic policy; the insurance policy payment module 700 is used for acquiring insurance policy payment information and completing the electronic insurance policy after payment is completed; the policy encryption module 800 is configured to encrypt the electronic policy by using a preset encryption algorithm and combining third information of the applicant and/or the beneficiary to obtain a ciphertext policy; and an uploading module 900, configured to upload and store the ciphertext policy.

For the device embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, refer to the partial description of the method embodiment.

Referring to fig. 3, in an embodiment of the present invention, the present invention further provides a computer device, where the computer device 12 is represented in a form of a general-purpose computing device, and components of the computer device 12 may include, but are not limited to: one or more processors or processing units 16, a system memory 28, and a bus 18 that couples various system components including the system memory 28 and the processing unit 16.

Bus 18 represents one or more of any of several types of bus 18 structures, including a memory bus 18 or memory controller, a peripheral bus 18, an accelerated graphics port, and a processor or local bus 18 using any of a variety of bus 18 architectures. By way of example, such architectures include, but are not limited to, Industry Standard Architecture (ISA) bus 18, micro-channel architecture (MAC) bus 18, enhanced ISA bus 18, audio Video Electronics Standards Association (VESA) local bus 18, and Peripheral Component Interconnect (PCI) bus 18.

Computer device 12 typically includes a variety of computer system readable media. Such media may be any available media that is accessible by computer device 12 and includes both volatile and nonvolatile media, removable and non-removable media.

The system memory 28 may include computer system readable media in the form of volatile memory, such as Random Access Memory (RAM)31 and/or cache memory 32. Computer device 12 may further include other removable/non-removable, volatile/nonvolatile computer system storage media. By way of example only, storage system 34 may be used to read from and write to non-removable, nonvolatile magnetic media (commonly referred to as "hard drives"). Although not shown in FIG. 3, a magnetic disk drive for reading from and writing to a removable, nonvolatile magnetic disk (e.g., a "floppy disk") and an optical disk drive for reading from or writing to a removable, nonvolatile optical disk (e.g., a CD-ROM, DVD-ROM, or other optical media) may be provided. In these cases, each drive may be connected to bus 18 by one or more data media interfaces. The memory may include at least one program product having a set (e.g., at least one) of program modules 42, with the program modules 42 configured to carry out the functions of embodiments of the invention.

A program/utility 41 having a set (at least one) of program modules 42 may be stored, for example, in memory, such program modules 42 including, but not limited to, an operating system, one or more application programs, other program modules 42, and program data, each of which examples or some combination thereof may comprise an implementation of a network environment. Program modules 42 generally carry out the functions and/or methodologies of the described embodiments of the invention.

Computer device 12 may also communicate with one or more external devices 14 (e.g., keyboard, pointing device, display 24, camera, etc.), with one or more devices that enable a user to interact with computer device 12, and/or with any devices (e.g., network card, modem, etc.) that enable computer device 12 to communicate with one or more other computing devices. Such communication may be through an input/output (I/O) interface 22. Also, computer device 12 may communicate with one or more networks (e.g., a Local Area Network (LAN)), a Wide Area Network (WAN), and/or a public network (e.g., the Internet) via network adapter 20. As shown, the network adapter 21 communicates with the other modules of the computer device 12 via the bus 18. It should be understood that although not shown in the figures, other hardware and/or software modules may be used in conjunction with computer device 12, including but not limited to: microcode, device drivers, redundant processing units 16, external disk drive arrays, RAID systems, tape drives, and data backup storage systems 34, etc.

The processing unit 16 executes various functional applications and data processing by running programs stored in the system memory 28, for example, to implement a self-help insurance application method provided by an embodiment of the present invention. That is, the processing unit 16 implements, when executing the program: sending an application request, and acquiring an interactive application UI (user interface); performing first information input in an interactive mode, specifically, inputting in any one or more combination modes of interactive manual filling, interactive handwriting input, interactive voice input and interactive audio and video input; according to a preset identification algorithm, identifying and correcting the first information input to obtain second information; verifying the second information obtained after correction to obtain third information comprising real-name authentication of the applicant and the beneficiary; checking the integrity of the third information and giving a prompt; confirming and submitting the third information to generate an electronic insurance policy; acquiring insurance policy payment information, and completing the electronic insurance policy after payment is completed; encrypting the electronic insurance policy by a preset encryption algorithm and combining third information of the applicant and/or the beneficiary to obtain a ciphertext insurance policy; and uploading and storing the ciphertext policy.

In an embodiment of the present invention, the present invention further provides a computer-readable storage medium, on which a computer program is stored, which when executed by a processor, implements a self-help insurance application method as provided in all embodiments of the present application.

That is, the program when executed by the processor implements: sending an application request, and acquiring an interactive application UI (user interface); performing first information input in an interactive mode, specifically, inputting in any one or more combination modes of interactive manual filling, interactive handwriting input, interactive voice input and interactive audio and video input; according to a preset identification algorithm, identifying and correcting the first information input to obtain second information; verifying the second information obtained after correction to obtain third information comprising real-name authentication of the applicant and the beneficiary; checking the integrity of the third information and giving a prompt; confirming and submitting the third information to generate an electronic insurance policy; acquiring insurance policy payment information, and completing the electronic insurance policy after payment is completed; encrypting the electronic insurance policy by a preset encryption calculation and combining third information of the applicant and/or the beneficiary to obtain a ciphertext insurance policy; and uploading and storing the ciphertext policy.

Any combination of one or more computer-readable media may be employed. The computer readable medium may be a computer readable signal medium or a computer readable storage medium. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the computer readable storage medium would include the following: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.

A computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.

Computer program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, Smalltalk, C + +, Python, and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).

The embodiments in the present specification 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.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, embodiments of the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

Embodiments of the present invention are described with reference to flowchart illustrations and/or block diagrams of methods, terminal devices (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing terminal to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing terminal, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing terminal to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing terminal to cause a series of operational steps to be performed on the computer or other programmable terminal to produce a computer implemented process such that the instructions which execute on the computer or other programmable terminal provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

While preferred embodiments of the present invention have been described, additional variations and modifications of these embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the embodiments of the invention.

Finally, it should also be noted that, herein, 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 terminal 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 terminal. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or terminal that comprises the element.

The self-service insurance application method, the self-service insurance application device, the electronic equipment and the storage medium are introduced in detail, specific examples are applied in the text to explain the principle and the implementation mode of the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims

1. A self-service insurance application method is characterized by comprising the following steps:

checking the integrity of the third information and giving a prompt;

and uploading and storing the ciphertext policy.

2. The method of claim 1, wherein said interactively entering first information comprises:

popping up an input prompt according to text and/or voice and/or video;

carrying out prompt response according to the input prompt;

3. The method according to claim 1, wherein the identification correction of the first information entered according to a preset identification algorithm to obtain second information comprises:

and/or the presence of a gas in the gas,

4. The method according to claim 1, wherein the verifying the second information obtained after the correcting to obtain third information comprising real-name authentication of an applicant and a beneficiary further comprises:

5. The method of claim 4, wherein the biometric information comprises: fingerprint features, finger vein features, palm vein features, dorsal vein features, iris features, vocal print features, palm geometry features, and retinal features.

6. The method of claim 1, wherein verifying the integrity of the third information and presenting the prompt comprises:

7. The method of claim 1, wherein uploading and storing the ciphertext policy further comprises:

8. A self-service application device, comprising:

9. Electronic device, characterized in that it comprises a processor, a memory and a computer program stored on said memory and capable of running on said processor, said computer program, when executed by said processor, implementing the steps of the self-help application method according to any one of claims 1 to 7.

10. Computer-readable storage medium, characterized in that the computer-readable storage medium has stored thereon a computer program which, when being executed by a processor, carries out the steps of the self-service insurance method according to any one of claims 1 to 7.