CN113724091A - Insurance claim settlement method and device - Google Patents

Insurance claim settlement method and device Download PDF

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CN113724091A
CN113724091A CN202110931610.3A CN202110931610A CN113724091A CN 113724091 A CN113724091 A CN 113724091A CN 202110931610 A CN202110931610 A CN 202110931610A CN 113724091 A CN113724091 A CN 113724091A
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settlement
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宋建
贺顾一
曹白燕
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Jianyi Information Technology Shanghai Co ltd
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Abstract

The invention provides a method and a device for insurance claim settlement, wherein the method comprises the following steps: acquiring a first face image of a user; determining a claim settlement rule of the user under the condition that the first face image meets a preset condition; generating a claim settlement result according to the claim settlement rule; collecting a second face image of the user under the condition of receiving a confirmation instruction of the user for the claim settlement result; and under the condition that the second face image meets the preset conditions, carrying out claim settlement according to the claim settlement result. The method solves the safety problems that in the existing insurance claim settlement scheme, the mode of identity authentication is too simple and counterfeit claim settlement is easy to occur.

Description

Insurance claim settlement method and device
Technical Field
The invention relates to the field of computer software, in particular to a method and a device for insurance claim settlement.
Background
The insurance settlement refers to the action of the insurance company for performing the compensation or paying the responsibility according to the contract regulation when the insurance target has the insurance accident and the property or the life of the insured person is damaged or other insurance accidents appointed by the policy are carried out and the insurance fund needs to be paid.
In the conventional insurance claim settlement method, particularly in the case of direct payment of claim settlement (insurance company pays insurance claim deposit directly to a third party), when the insurance subject is in insurance, the claimant (which may be an insured) can directly present a card password (account number and password), and then the claim settlement of insurance can be realized.
It should be noted that, in the existing scheme for insurance claims, the mode for identity authentication is too simple, and the security problem of counterfeit claims is easy to occur.
Disclosure of Invention
The invention provides a method and a device for insurance claim settlement, which are used for solving the safety problems that the identity authentication mode is too simple and counterfeit claim settlement is easy to occur in the existing scheme for insurance claim settlement.
According to a first aspect of the present invention, there is provided a method of insurance claims, the method comprising: acquiring a first face image of a user; determining a claim settlement rule of the user under the condition that the first face image meets a preset condition; generating a claim settlement result according to the claim settlement rule; collecting a second face image of the user under the condition of receiving a confirmation instruction of the user for the claim settlement result; and under the condition that the second face image meets the preset conditions, carrying out claim settlement according to the claim settlement result.
Further, the preset conditions are as follows: matching with database face images and being live images.
Further, the first face image includes an RGB image of the user and an infrared grayscale image of the user, wherein the step of determining that the first face image is a living body image includes: carrying out LBP algorithm conversion processing on the infrared gray image to obtain a converted infrared gray image; determining a first face area from the converted infrared gray level image through a neural network; performing HSV color identification on the RGB image to obtain a second face area; and comparing the first face area with the second face area, and determining that the first face image is a living body image according to a comparison result.
Further, the step of determining the claim settlement rules of the user comprises: determining account information associated with the first face image according to a preset association relation; claim rules associated with the account information are determined.
Further, prior to acquiring the first face image of the user, the method includes: collecting a face image of a user; receiving account password information input by a user; matching the face image with the identity authentication platform under the condition that the account password information accords with the preset account password information; and under the condition that the matching degree reaches a preset threshold value, establishing a preset incidence relation between the account information of the user and the face image.
Further, the step of generating the claim settlement result according to the claim settlement rule is as follows: acquiring commodity information to be claimed; determining a factor set influencing claim settlement from the commodity information; decomposing a factor set influencing claim settlement into a matrix; claim results are generated by configuring claim rules at each factor in the matrix.
According to a second aspect of the present invention, there is provided an insurance claim settlement apparatus, the apparatus comprising: the first acquisition unit is used for acquiring a first face image of a user; the determining unit is used for determining the claim settlement rule of the user under the condition that the first face image is determined to meet the preset condition; the generating unit is used for generating a claim settlement result according to the claim settlement rule; the second acquisition unit is used for acquiring a second face image of the user under the condition of receiving a confirmation instruction of the user for the claim settlement result; and the claim settling unit is used for settling a claim according to the claim settling result under the condition that the second face image is determined to meet the preset condition.
Further, the first face image includes an RGB image of the user and an infrared grayscale image of the user, wherein the determining unit includes: the conversion module is used for carrying out LBP algorithm conversion processing on the infrared gray level image to obtain a converted infrared gray level image; the first determining module is used for determining a first face area from the converted infrared gray level image through a neural network; the identification module is used for carrying out HSV color identification on the RGB image to obtain a second face area; and the comparison module is used for comparing the first face area with the second face area and determining the first face image as a living body image according to the comparison result.
Further, the determination unit includes: the second determining module is used for determining account information associated with the first face image according to the preset association relation; and the third determination module is used for determining the claim settlement rule associated with the account information.
Further, the apparatus further comprises: the third acquisition unit is used for acquiring a face image of a user; the receiving unit is used for receiving account password information input by a user; the matching unit is used for matching the face image with the identity authentication platform under the condition that the account password information accords with the preset account password information; and the establishing unit is used for establishing a preset incidence relation between the account information of the user and the face image under the condition that the matching degree reaches a preset threshold value.
The invention provides a method and a device for insurance claim settlement, wherein the method comprises the following steps: acquiring a first face image of a user; determining a claim settlement rule of the user under the condition that the first face image meets a preset condition; generating a claim settlement result according to the claim settlement rule; collecting a second face image of the user under the condition of receiving a confirmation instruction of the user for the claim settlement result; and under the condition that the second face image meets the preset conditions, carrying out claim settlement according to the claim settlement result. The method solves the safety problems that in the existing insurance claim settlement scheme, the mode of identity authentication is too simple and counterfeit claim settlement is easy to occur.
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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, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts.
FIG. 1 is a flow chart of a method for insurance claims settlement according to a first embodiment of the present invention;
FIG. 2 is a schematic diagram of an alternative method for insurance claims in accordance with a first embodiment of the present invention; and
fig. 3 is a schematic diagram of an insurance claim settlement apparatus according to the second embodiment of the present invention.
Detailed Description
In order to make the above and other features and advantages of the present invention more apparent, the present invention is further described below with reference to the accompanying drawings. It is understood that the specific embodiments described herein are for purposes of illustration only and are not intended to be limiting.
In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present invention. However, it will be apparent to one of ordinary skill in the art that the specific details need not be employed to practice the present invention. In other instances, well-known steps or operations are not described in detail to avoid obscuring the invention.
Example one
As shown in fig. 1, the present solution provides a method for insurance claims, which may include the following steps:
in step S11, a first face image of the user is captured.
Specifically, the method of the scheme can be executed through a server in the insurance claim settlement system, the insurance claim settlement system can be provided with a binocular camera at a store, the insurance claim settlement system can control the binocular camera to collect the first face image of the user, the user can be a claim holder (a claim settlement insured person can be), under the condition that insurance subject is out of insurance, the claim holder can come to the store, and the first face image of the user is collected by the binocular camera of the insurance claim settlement system. The store may be a consumer location such as a hospital or a car repair shop.
In step S13, when it is determined that the first face image meets the preset condition, the claim settlement rule of the user is determined.
Specifically, in the present scheme, the insurance claim settlement system may determine whether the first face image meets a preset condition, and when the first face image meets the preset condition, it indicates that the first authentication of the claimant is completed, and the insurance claim settlement system determines the claim settlement rule of the user.
And step S15, generating a claim settlement result according to the claim settlement rule.
Specifically, in the present solution, under the condition that the claim settlement rule of the user is determined, the insurance claim settlement system may automatically generate the claim settlement result according to the claim settlement rule. It should be noted that, after the claim result is generated, the scheme can control the display of the claim result in the display. It should be noted that, this step can be performed without manually settling the claim result, which greatly improves the claim settling efficiency.
In step S17, when a confirmation instruction of the user for the claim settlement result is received, a second face image of the user is acquired.
And step S19, carrying out claim settlement according to the claim settlement result under the condition that the second face image is determined to accord with the preset image.
Specifically, in this scheme, after the user learns the claim settlement result through the display, a confirmation instruction may be input, and it should be noted that, in this scheme, when the confirmation instruction of the user for the claim settlement result is received, the binocular camera is controlled to collect the second face image of the user, and then, when it is determined that the second face image also meets the preset condition, the second verification of the user identity is completed, and the claim settlement is performed according to the claim settlement result after the verification is successful. It should be noted that, this step can effectively prevent the problem that the claimant directly carries out the claim settlement without determining the claim settlement result after the claimant initially collects the image, which causes the defect of the claim settlement program.
Therefore, according to the method, the insurance claim settlement is carried out on the user after the face of the user is successively verified twice, the safety problems that in the existing insurance claim settlement scheme, the mode of identity authentication is too simple, and fake claim settlement is easy to occur are solved, and meanwhile, for the generation of the insurance claim settlement result, the face image of the user is automatically generated according to the scheme, so that the insurance claim settlement efficiency is improved.
It should be noted here that, according to the scheme, a first face image of a user can be acquired at a first time, and a second face image of the user can be acquired at a second time, where the second time is later than the first time, that is, the scheme can successively verify the identity of the user at different times, so that the same user is ensured to confirm a claim settlement result, and the security of the claim settlement is ensured.
Optionally, the preset conditions are as follows: when the face image (the first face image or the second face image) of the user is matched with the database face image and is a live image, namely the scheme simultaneously determines that the face image (the first face image or the second face image) of the user is matched with the image of the database and is the live image, the method from the step S13 to the step S19 is executed, and the problem that a false claimant uses a photo of a real claimant to carry out false claim is avoided.
Optionally, the first face image includes an RGB image of the user and an infrared grayscale image of the user, where the step of determining that the first face image is a living body image includes:
step S131, LBP algorithm conversion processing is carried out on the infrared gray level image, and the converted infrared gray level image is obtained.
Specifically, the LBP (local Binary pattern) algorithm may be a non-parametric algorithm describing local characteristics of gray-scale relationships between image characteristic pixel points and each pixel point, and the present solution may perform LBP algorithm conversion processing on an infrared gray-scale image to obtain a converted infrared gray-scale image.
And step S132, determining a first face area from the converted infrared gray image through a neural network.
Specifically, the first face area and the feature points in the first face area can be identified through a pre-trained neural network.
And step S133, performing HSV color identification on the RGB image to obtain a second face area.
Specifically, according to the scheme, HSV (Hue, Saturation, Value) color recognition can be performed on the normal RGB image, and a second face area is obtained through recognition.
And S134, comparing the first face area with the second face area, and determining that the first face image is a living body image according to a comparison result.
Specifically, the first face area (obtained through an infrared gray image) and the second face area (obtained through an RGB image) are compared according to the scheme, and it is determined that the first face image is a living body image according to the comparison result, optionally, if the difference between the first face area and the second face area is small, the scheme may determine that the first face image is a living body image, and if the difference between the first face area and the second face area is large, the scheme may determine that the first face image is a non-living body image, and accuracy of detection of the living body face image is improved through the scheme.
Optionally, the step of determining the claim settlement rule of the user includes:
in step S135, account information associated with the first face image is determined according to the preset association relationship.
In step S136, the claim settlement rules associated with the account information are determined.
Specifically, the account information associated with the first face image may be determined according to a preset association relationship, and then each account information is associated with a specific claim settlement rule.
Specifically, before the step S11 acquires the first face image of the user, the method provided by the present disclosure may include:
step S101, collecting a face image of a user.
Specifically, in the scheme, a user can log in at a mobile phone terminal in advance, and a front photo (preferably 320 multiplied by 320 pixels) is taken by calling a mobile phone camera.
Step S102, account password information input by a user is received.
And step S103, matching the face image with the identity authentication platform under the condition that the account password information accords with the preset account password information.
Specifically, in the scheme, the user can input account password information, and under the condition that the account password information input by the user is correct, the face image of the user is matched with the identity authentication platform, and the identity authentication platform can be a license platform of a public security department responsible for identity authentication.
And step S104, establishing a preset incidence relation between the account information of the user and the face image under the condition that the matching degree reaches a preset threshold value.
Specifically, in the scheme, if the face image of the user is matched with the identity authentication platform, the account information of the user is bound with the face image, that is, the preset association relationship is established.
Optionally, the step S15 of generating the claim settlement result according to the claim settlement rule includes:
in step S151, commodity information to be claimed is acquired.
And step S152, determining a factor set influencing claim settlement from the commodity information.
And step S153, disassembling the factor set influencing claim settlement into a matrix.
In step S154, a claim result is generated by configuring a claim rule for each factor in the matrix.
Specifically, in the present scheme, the commodity information to be claimed may be obtained, then a factor set affecting claim settlement is determined from the commodity information to be claimed, then the factors affecting claim settlement are decomposed into N × M matrices, then a decision is established for the N × M matrices, and an accounting rule (i.e., a claim settlement rule) is configured on a matrix element [ N, M ], and specifically, the accounting rule may be preset as: the fixed formula provides mapping conversion of y × f (x), and the classification ladder formula provides calculation of classification conditions of y — f1(x) and f2(x) …, and through steps S151 to S154, the automatic configuration capability of complex configuration rules can be improved, so that the efficiency of generating claim settlement results is improved.
An alternative embodiment of the present solution is described below with reference to fig. 2: the method comprises the steps that a shop cash register initiates a user authentication request to a server side; the server controls the claim settlement equipment to collect the face of a user, identity verification is carried out, under the condition that verification is passed, the shop cash register inputs commodities purchased by the user, then the shop cash register sends trial calculation results to the server, the server carries out claim settlement trial calculation, the trial calculation results are sent to the claim settlement equipment to be displayed, the user can confirm the trial calculation through the claim settlement equipment, after confirmation, the server informs the shop cash register to pay, at the moment, the claim settlement equipment carries out identity verification again on the face of the user collected again, after verification is passed, the server carries out payment, and then the cash register is informed to complete payment.
Example two:
as shown in fig. 3, the present solution provides an insurance claim settlement apparatus, which includes: a first acquisition unit 30 for acquiring a first face image of a user; the determining unit 32 is used for determining the claim settlement rule of the user under the condition that the first face image is determined to meet the preset condition; the generating unit 34 is used for generating a claim settlement result according to the claim settlement rule; the second acquisition unit 36 is configured to acquire a second facial image of the user when a confirmation instruction of the user for the claim settlement result is received; and the claim settling unit 38 is used for settling a claim according to the claim settling result under the condition that the second face image is determined to meet the preset condition.
Therefore, through the device of the scheme, the insurance claim settlement is carried out on the user after the face of the user is verified twice, the problem that the safety problem of the counterfeit claim settlement is easy to occur due to the fact that the identity authentication mode is too simple in the existing insurance claim settlement scheme is solved, meanwhile, the face image of the user is automatically generated according to the scheme for generating the insurance claim settlement result, and the insurance claim settlement efficiency is improved.
Optionally, the first face image includes an RGB image of the user and an infrared grayscale image of the user, where the determining unit includes: the conversion module is used for carrying out LBP algorithm conversion processing on the infrared gray level image to obtain a converted infrared gray level image; the first determining module is used for determining a first face area from the converted infrared gray level image through a neural network; the identification module is used for carrying out HSV color identification on the RGB image to obtain a second face area; and the comparison module is used for comparing the first face area with the second face area and determining the first face image as a living body image according to the comparison result.
Optionally, the determining unit includes: the second determining module is used for determining account information associated with the first face image according to the preset association relation; and the third determination module is used for determining the claim settlement rule associated with the account information.
Optionally, the apparatus further comprises: the third acquisition unit is used for acquiring a face image of a user; the receiving unit is used for receiving account password information input by a user; the matching unit is used for matching the face image with the identity authentication platform under the condition that the account password information accords with the preset account password information; and the establishing unit is used for establishing a preset incidence relation between the account information of the user and the face image under the condition that the matching degree reaches a preset threshold value.
It will be understood that the specific features, operations and details described herein above with respect to the method of the present invention may be similarly applied to the apparatus and system of the present invention, or vice versa. In addition, each step of the method of the present invention described above may be performed by a respective component or unit of the device or system of the present invention.
It should be understood that the various modules/units of the apparatus of the present invention may be implemented in whole or in part by software, hardware, firmware, or a combination thereof. The modules/units may be embedded in the processor of the computer device in the form of hardware or firmware or independent from the processor, or may be stored in the memory of the computer device in the form of software for being called by the processor to execute the operations of the modules/units. Each of the modules/units may be implemented as a separate component or module, or two or more modules/units may be implemented as a single component or module.
In one embodiment, a computer device is provided comprising a memory and a processor, the memory having stored thereon computer instructions executable by the processor, the computer instructions, when executed by the processor, instructing the processor to perform the steps of the method of the invention. The computer device may broadly be a server, a terminal, or any other electronic device having the necessary computing and/or processing capabilities. In one embodiment, the computer device may include a processor, memory, a network interface, a communication interface, etc., connected by a system bus. The processor of the computer device may be used to provide the necessary computing, processing and/or control capabilities. The memory of the computer device may include non-volatile storage media and internal memory. An operating system, a computer program, and the like may be stored in or on the non-volatile storage medium. The internal memory may provide an environment for the operating system and the computer programs in the non-volatile storage medium to run. The network interface and the communication interface of the computer device may be used to connect and communicate with an external device through a network. The computer program, when executed by a processor, performs the steps of the method of embodiment one of the present invention.
The invention may be implemented as a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, causes the steps of the method of the invention to be performed. In one embodiment, the computer program is distributed across a plurality of computer devices or processors coupled by a network such that the computer program is stored, accessed, and executed by one or more computer devices or processors in a distributed fashion. A single method step/operation, or two or more method steps/operations, may be performed by a single computer device or processor or by two or more computer devices or processors. One or more method steps/operations may be performed by one or more computer devices or processors, and one or more other method steps/operations may be performed by one or more other computer devices or processors. One or more computer devices or processors may perform a single method step/operation, or perform two or more method steps/operations.
It will be appreciated by those of ordinary skill in the art that the method steps of the present invention may be directed to associated hardware, such as a computer device or processor, for performing the steps of the present invention by a computer program, which may be stored in a non-transitory computer readable storage medium, which when executed causes the steps of the present invention to be performed. Any reference herein to memory, storage, databases, or other media may include non-volatile and/or volatile memory, as appropriate. Examples of non-volatile memory include read-only memory (ROM), programmable ROM (prom), electrically programmable ROM (eprom), electrically erasable programmable ROM (eeprom), flash memory, magnetic tape, floppy disk, magneto-optical data storage device, hard disk, solid state disk, and the like. Examples of volatile memory include Random Access Memory (RAM), external cache memory, and the like.
The respective technical features described above may be arbitrarily combined. Although not all possible combinations of features are described, any combination of features should be considered to be covered by the present specification as long as there is no contradiction between such combinations.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present invention.

Claims (10)

1. A method of claim settlement, the method comprising:
acquiring a first face image of a user;
determining a claim settlement rule of the user under the condition that the first face image meets a preset condition;
generating a claim settlement result according to the claim settlement rule;
collecting a second face image of the user under the condition that a confirmation instruction of the user for the claim settlement result is received;
and under the condition that the second face image meets the preset conditions, carrying out claim settlement according to the claim settlement result.
2. The method according to claim 1, wherein the preset condition is: matching with database face images and being live images.
3. The method according to claim 2, wherein the first face image comprises an RGB image of the user and an infrared grayscale image of the user, and wherein the step of determining that the first face image is the living body image comprises:
carrying out LBP algorithm conversion processing on the infrared gray level image to obtain a converted infrared gray level image;
determining a first face area from the converted infrared gray level image through a neural network;
performing HSV color identification on the RGB image to obtain a second face area;
and comparing the first face area with the second face area, and determining the first face image as the living body image according to a comparison result.
4. The method of claim 1, wherein the step of determining the claim settlement rules for the user comprises:
determining account information associated with the first face image according to a preset association relation;
determining the claim settlement rules associated with the account information.
5. The method of claim 4, wherein prior to acquiring the first facial image of the user, the method comprises:
collecting a face image of a user;
receiving account password information input by the user;
matching the face image with an identity authentication platform under the condition that the account password information conforms to preset account password information;
and under the condition that the matching degree reaches a preset threshold value, establishing the preset incidence relation between the account information of the user and the face image.
6. The method of claim 1, wherein generating a claim result according to the claim rules comprises:
acquiring commodity information to be claimed;
determining a factor set influencing claim settlement from the commodity information;
decomposing the factor set influencing claim settlement into a matrix;
generating the claim result by configuring the claim rule with each factor in the matrix.
7. An insurance claim settlement apparatus, comprising:
the first acquisition unit is used for acquiring a first face image of a user;
the determining unit is used for determining the claim settlement rule of the user under the condition that the first face image is determined to meet the preset condition;
the generating unit is used for generating a claim settlement result according to the claim settlement rule;
the second acquisition unit is used for acquiring a second face image of the user under the condition of receiving a confirmation instruction of the user for the claim settlement result;
and the claim settling unit is used for settling a claim according to the claim settling result under the condition that the second face image is determined to meet the preset condition.
8. The apparatus according to claim 7, wherein the first face image includes an RGB image of the user and an infrared grayscale image of the user, and wherein the determining unit includes:
the conversion module is used for carrying out LBP algorithm conversion processing on the infrared gray level image to obtain a converted infrared gray level image;
the first determining module is used for determining a first face area from the converted infrared gray level image through a neural network;
the identification module is used for carrying out HSV color identification on the RGB image to obtain a second face area;
and the comparison module is used for comparing the first face area with the second face area and determining that the first face image is a living body image according to a comparison result.
9. The apparatus of claim 7, wherein the determining unit comprises:
the second determining module is used for determining account information associated with the first face image according to a preset association relation;
a third determination module to determine the claim settlement rules associated with the account information.
10. The apparatus of claim 9, further comprising:
the third acquisition unit is used for acquiring a face image of a user;
the receiving unit is used for receiving account password information input by the user;
the matching unit is used for matching the face image with an identity authentication platform under the condition that the account password information accords with preset account password information;
and the establishing unit is used for establishing the preset incidence relation between the account information of the user and the face image under the condition that the matching degree reaches a preset threshold value.
CN202110931610.3A 2021-08-13 2021-08-13 Insurance claim settlement method and device Pending CN113724091A (en)

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CN107871285A (en) * 2017-12-06 2018-04-03 和金在线（北京）科技有限公司 A kind of health insurance pays for the method for detecting and system of fraud and abuse
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