CN113919960A - Information processing method, device, equipment and storage medium - Google Patents

Abstract

The application provides an information processing method, an information processing device, information processing equipment and a storage medium. The information processing method comprises the following steps: performing character recognition on a plurality of claim settlement vouchers uploaded by a user side to obtain a plurality of groups of user claim settlement data; determining the number of policy corresponding to the multiple groups of user claim data according to the claim settlement time range to which each group of user claim data belongs in the multiple groups of user claim data, and the preset corresponding relationship between different claim settlement time ranges and different policies; determining the payment type corresponding to the butt end server related to the policy under the condition that the number of the policies corresponding to the multiple groups of user claim data is one; and sending the butt end claim settlement data to the butt end server under the condition that the claim type corresponding to the butt end server is a direct payment type. According to the technical scheme, direct butt joint of the data from the user side to the butt joint server can be achieved, the consistency of the data model between the user side and the butt joint server is improved, and then the accuracy and the safety of claim settlement can be improved.

Description

Information processing method, device, equipment and storage medium

Technical Field

The present application relates to the field of information processing technologies, and in particular, to an information processing method, apparatus, device, and storage medium.

Background

According to the existing scheme for carrying out claim settlement based on the intermediate claim settlement system, a user side is usually in butt joint with the intermediate claim settlement system, particularly, a claim settlement certificate is uploaded by the user side, the intermediate claim settlement system is paid after being audited and then is in butt joint with an insurance company, the problem that data models are not uniform easily occurs in the two butt joint processes, wrong claim settlement is easily generated, and the accuracy and the safety of claim settlement are reduced.

Disclosure of Invention

The embodiment of the application provides an information processing method, an information processing device, information processing equipment and a storage medium, which are used for solving the problems in the related technology, and the technical scheme is as follows:

in a first aspect, an embodiment of the present application provides an information processing method, including:

performing character recognition on a plurality of claim settlement vouchers uploaded by a user side to obtain a plurality of groups of user claim settlement data;

determining the number of policy corresponding to the multiple groups of user claim data according to the claim settlement time range to which each group of user claim data belongs in the multiple groups of user claim data, and the preset corresponding relationship between different claim settlement time ranges and different policies;

determining the payment type corresponding to the butt end server related to the policy under the condition that the number of the policies corresponding to the multiple groups of user claim data is one;

sending the butt end claim data to the butt end server under the condition that the claim type corresponding to the butt end server is a direct payment type, so that the butt end server checks and claims the butt end claim data; the data of claim settlement of the butt end is generated according to at least part of the data in the data of claim settlement of the user.

In a second aspect, an embodiment of the present application provides an information processing apparatus, including:

the character recognition module is used for carrying out character recognition on the plurality of claim settlement vouchers uploaded by the user side to obtain a plurality of groups of user claim settlement data;

the insurance policy quantity determining module is used for determining the quantity of insurance policies corresponding to the multiple groups of user claim data according to the claim settlement time range to which each group of user claim data belongs in the multiple groups of user claim data, and the corresponding relation between preset different claim settlement time ranges and different insurance policies;

the first pay type determining module is used for determining the pay type corresponding to the butt end server related to the policy under the condition that the number of the policies corresponding to the multiple groups of user claim data is one;

the first claim payment module is used for sending the butt end claim settlement data to the butt end server under the condition that the claim payment type corresponding to the butt end server is a direct payment type, so that the butt end server checks and pays the claim settlement data aiming at the butt end; the data of claim settlement of the butt end is generated according to at least part of the data in the data of claim settlement of the user.

In a third aspect, an embodiment of the present application provides an information processing apparatus, including: the information processing method comprises a memory and a processor, wherein the memory stores instructions, and the instructions are loaded and executed by the processor to realize the information processing method provided by the first aspect of the embodiment of the application.

In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the computer program implements the information processing method provided in the first aspect of the embodiment of the present application.

The advantages or beneficial effects in the above technical solution at least include:

the data docking mode from the user side to the docking end server can be determined according to the number of the policy corresponding to the multiple groups of user claim data and the claim payment type of the docking end server related to the policy. When the number of the insurance policies corresponding to the multiple groups of user claim data is one and the claim type of the butt-end server related to the insurance policies is a direct payment type, the intermediate claim settlement system sends the butt-end claim data generated based on at least part of data in the user claim settlement data to the butt-end server, the butt-end server checks and pays the claim to the user, direct butt joint of the user end data and the butt-end server data can be achieved, consistency of a data model between the user end and the butt-end server is improved, and accordingly accuracy and safety of claim settlement can be improved.

The foregoing summary is provided for the purpose of description only and is not intended to be limiting in any way. In addition to the illustrative aspects, embodiments, and features described above, further aspects, embodiments, and features of the present application will be readily apparent by reference to the drawings and following detailed description.

Drawings

In the drawings, like reference numerals refer to the same or similar parts or elements throughout the several views unless otherwise specified. The figures are not necessarily to scale. It is appreciated that these drawings depict only some embodiments in accordance with the disclosure and are therefore not to be considered limiting of its scope.

Fig. 1 is a schematic flowchart of an information processing method according to an embodiment of the present application;

FIG. 2 is a frame diagram of data models of user claim data and data models of claim data of a docking terminal in an embodiment of the present application;

fig. 3 is a schematic flowchart of another information processing method according to an embodiment of the present application;

fig. 4 is a schematic structural framework diagram of an information processing apparatus according to an embodiment of the present application;

FIG. 5 is a block diagram of another information processing apparatus according to an embodiment of the present disclosure;

fig. 6 is a schematic structural framework diagram of an information processing apparatus according to an embodiment of the present application.

Detailed Description

In the following, only certain exemplary embodiments are briefly described. As those skilled in the art will recognize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present application. Accordingly, the drawings and description are to be regarded as illustrative in nature, and not as restrictive.

First, several terms related to the embodiments of the present application are explained as follows:

OCR: the method is a technology that an abbreviation name of Optical Character Recognition means Optical Character Recognition, characters in a paper document are converted into an image file of a black and white dot matrix in an Optical mode aiming at print characters, and the characters in the image are converted into a text format through Recognition software for further editing and processing by Character processing software.

SaaS: is the abbreviation name of Software-as-a-Service, meaning Software as a Service, i.e. providing Software services over a network.

And (3) data model: the data feature is an abstraction of data features, static features, dynamic behaviors and constraint conditions of the system are described in an abstraction level, and an abstract framework is provided for information representation and operation of the database system.

The following describes the technical solutions of the present application and how to solve the above technical problems in detail with specific embodiments.

The embodiment of the application provides an information processing method, which can be applied to an intermediate claim settlement system, and as shown in fig. 1, the method includes:

and S101, performing character recognition on the plurality of claim settlement certificates uploaded by the user side to obtain a plurality of groups of user claim settlement data.

In one example, the plurality of claim vouchers may be character recognized by OCR technology. Each group of identified user claim data corresponds to a claim voucher.

The plurality of claim settlement credentials uploaded by the user side can include at least one of a user personal information credential, a claim settlement document credential, a claim settlement product credential, and a claim settlement responsibility credential. The personal information of the user comprises basic attributes of the user, and specifically comprises information content required by claim settlement such as certificate information, contact information, medical insurance types and the like; the claim settlement document voucher can be a document uploaded for a certain type of insurance products (such as medical insurance or accident insurance), and can include different types of documents for different insurance types, taking medical insurance as an example, the claim settlement document voucher can include documents such as invoices for purchasing medicines and medical examination, prescriptions and prescriptions issued by hospitals, and grade certificates of hospitals; the claim settlement product voucher can be information such as a claim settlement scheme, a claim settlement condition and the like of an insurance product purchased by a user in advance; the claim settlement liability voucher may be a collection of liability obligations between an insurer and an insured party agreed upon by insurance products purchased in advance by the user.

The set of user claim data in the embodiment of the present application may correspond to a claim voucher, for example, data obtained by identifying a certain ticket is used as the set of user claim data corresponding to the ticket. The data model of the multiple claim settlement vouchers (i.e. the data framework of the at least one type of voucher) in the embodiment of the application is the basis of the data model of the user claim settlement data.

In one example, the data model of the user claim data obtained based on the data model of the plurality of claim certificates is shown in fig. 2, and a plurality of sets of user claim data may be stored in a user case list, wherein the user case list includes a user table, a scheme table, a product table and a responsibility table, and an association relationship between the tables. The data in the user table is obtained by performing character recognition on the personal information voucher of the user, the scheme table is obtained by performing character recognition on the claim settlement document voucher, the product table is obtained by recognizing the claim settlement product voucher, and the responsibility table is obtained by recognizing the claim settlement responsibility voucher.

Optionally, referring to the example of fig. 2, each type of list in the user case list may include a plurality of user case bill tables, data in each user case bill table may be obtained by performing character recognition on at least one bill uploaded by a user, each user case bill table may include a plurality of user case invoice tables, each user case invoice table may be obtained by performing character recognition on a certain invoice uploaded by the user, each user case invoice table may include a plurality of user case invoice large item tables, a plurality of user case invoice detail item tables, and a plurality of user case disease tables, and each table may be obtained by recognizing a certain corresponding type of invoice uploaded by the user.

S102, determining the number of policy corresponding to the multiple groups of user claim data according to the claim settlement time range to which each group of user claim data belongs in the multiple groups of user claim data, and the corresponding relation between preset different claim settlement time ranges and different policies; if the number of policy corresponding to the plurality of sets of user claim data is one, executing step S103; in the case where the number of policies corresponding to the plurality of sets of user claim data is at least two, step S104 is performed.

Optionally, for a set of user claim data that does not have an associated claim time range, the set of user claim data can be ignored in determining the number of policies.

The corresponding relationship between different claim settlement time ranges and different policy can be determined as follows: the intermediate claim settlement system screens suitable products from insurance products of different insurance companies to form a claim settlement scheme for the same user together so as to meet the application requirement of the user.

In one example, if the a user plans to insuring medical insurance all year round in 2021, the intermediate claims system may configure the a user with the B insurance company's medical insurance product for the first half year of 2021, the a user with the C insurance company's medical insurance product for the second half year of 2021, the B insurance company issuing the policy for the first half year, and the C insurance company issuing the policy for the second half year. The medical insurance products of the insurance company B and the medical insurance products of the insurance company C form a medical insurance claim settlement scheme aiming at the user A in the whole year of 2021, at the moment, different time ranges of the year 2021 establish corresponding relations with different policy, the time range of the first half year of the year 2021 (namely 1 month and 1 day to 6 months and 40 days of the year 2021) establishes corresponding relations with the policy of the insurance company B, and the time range of the second half year of the year 2021 (namely 7 months and 1 day to 12 months and 31 days of the year 2021) establishes corresponding relations with the policy of the insurance company C.

Based on the correspondence between different time ranges and different policy established in the above example, if all the claim settlement documents uploaded by the user a are generated in the first half of 2021 year, the time range to which each group of identified user claim settlement data belongs is 1/1-6/40/2021 year, and the number of policies corresponding to a plurality of groups of user claim settlement data is one, that is, the policy issued by the insurance company B; if a part of the claim settlement evidence uploaded by the user A is generated in the first half of 2021 year and the other part of the claim settlement evidence is generated in the second half of 2021 year, the time range of a part of the identified user claim settlement data is 1/1-6/40/2021 year, and the time range of the other part of the identified user claim settlement data is 7/1-12/31/2021 year, at this time, the number of the policy policies corresponding to the plurality of groups of user claim settlement data is two, and the policy policies issued by the insurance company B and the policy policies issued by the insurance company C are respectively.

S103, determining the corresponding claim type of the butt-joint end server related to the policy; if the payment type corresponding to the docking end server related to the policy is a direct payment type, executing step S105; if the payment type corresponding to the docking end server related to the policy is not a direct payment type, step S106 is executed.

In an example, the docking terminal server in this embodiment of the application is specifically a server of an insurance company, a payment type corresponding to the server may be determined according to pre-agreed information between the intermediate claim system and the insurance company, if the pre-agreed information between the intermediate claim system and a certain insurance company is that the insurance company pays directly to the user when the user initiates a claim, it may be determined that the server of the insurance company is a direct payment type, and if the pre-agreed information between the intermediate claim system and the insurance company is that the intermediate claim system pays when the user initiates a claim, it may be determined that the server of the insurance company is not a direct payment type.

And S104, starting a padding process aiming at the claim settlement data of the user, and respectively sending padding completion information aiming at the current butt-end server, which is generated after the padding process is finished, to the butt-end servers corresponding to the at least two insurance policies.

In the embodiment of the application, the specific process of the payment-based process for the user claim data, which is started by the intermediate claim settlement system, is as follows: the benefits payment is sent by the payment account of the intermediate claims system to the collection account of the user.

And S105, sending the butt end claim settlement data to the butt end server, and enabling the butt end server to check and pay the butt end claim settlement data.

The claim data of the butt end sent to the butt end server by the intermediate claim system is generated according to at least part of the data in the claim data of the user. Optionally, the intermediate claim settlement system may send all the user claim settlement data as the claim settlement data of the opposite terminal to the opposite terminal server, or the intermediate claim settlement system may delete invalid data in the user claim settlement data and send the remaining user claim settlement data as the claim settlement data of the opposite terminal to the opposite terminal server.

The invalid data can be data beyond a valid claim settlement time range or data irrelevant to the current claim settlement, for example, if the guarantee time range of the user a is 2021 year all year, the valid claim settlement time range is 2021 year all year, if some claim certificates uploaded by the user side are generated in 2020, the user claim data identified based on the claim certificates are invalid data; for another example, if the a user applies insurance-type medical insurance and some of the claim certificates uploaded by the user terminal are birth-related tickets, the user claim data identified based on the claim certificates is invalid data.

Optionally, the examination and the claim payment performed by the docking end server on the data of the claim of the docking end may be performed by a client connected to the docking end server, for example, the docking end server sends the data of the claim of the docking end to the client in charge of examining the data, the client displays the data with a staff in charge of examining the data, calls a payment account to pay the claim payment to a collection account of the user according to an instruction input after the staff examines the data, or sends the failure information of the claim payment to the docking end server according to an instruction input after the staff does not examine the data, and the information is forwarded to the intermediate claim settlement system by the docking end server.

Optionally, sending the data of the claim of the docking terminal to the server of the docking terminal includes:

checking the claim settlement data of the user according to the claim settlement conditions in the insurance policy; and when the user claim data meet the claim settlement conditions in the policy, generating the claim settlement data of the butt-joint end according to at least part of data in the user claim settlement data, and sending the claim settlement data of the butt-joint end to the butt-joint end server.

Optionally, the intermediate claim settlement system audits the user claim settlement data according to the claim settlement conditions in the policy, and the audit can be implemented in any one of the following manners: firstly, a server of the intermediate claim settlement system automatically compares the claim condition in the insurance policy with the user claim data (or the user claim data is calculated by a preset rule to obtain a value), for example, the comparison is performed to determine whether the hospital grade meets the hospital grade in the claim condition or not, and whether the sum of money in the user claim data meets the claim money standard in the claim condition or not; and in the second mode, the server of the intermediate claim settlement system sends claim settlement conditions and user claim settlement data (or values obtained by the calculation of preset rules on the user claim settlement data) in the insurance policy to the client of the intermediate claim settlement system, the client displays the claim settlement conditions and the user claim settlement data to a worker in charge of auditing, generates butt-end claim settlement data based on the user claim settlement data according to an instruction input after the worker audits, sends the butt-end claim settlement data to the butt-end server, and feeds back information of auditing failure to the client according to the instruction input after the worker audits and fails so as to remind the user to adjust claim settlement credentials.

And generating the claim settlement data of the butting terminal based on at least part of the data of the claim settlement data of the user, so that the data model of the claim settlement data of the butting terminal and the data model of the claim settlement data of the user can be kept uniform. In one example, referring to fig. 2, the data model of the claim settlement data of the docking terminal may be included in a list of the insurance cases for the current insurance company, the list of the insurance cases stores the claim settlement data of the docking terminal related to the current insurance company, and the list of the insurance cases may include a user table, a plan table, a product table and a responsibility table, and an association relationship between the tables.

Optionally, referring to the example of fig. 2, each type of list in the security case list may include a plurality of security case document tables, and the data in each security case document table may be data related to the current insurance company screened from the user case document table; each security case document table can comprise a plurality of security case invoice tables, and data in each security case invoice table can be data which is screened from the user case invoice tables and is related to the current insurance company; each of the custody case invoice tables may include a plurality of custody case invoice large item tables, a plurality of custody case invoice detail item tables, and a plurality of custody case disease tables, and data in each table may be data related to a current insurance company screened from the similar tables of the data model of the user claims data.

Through the mode, the intermediate claim settlement system can firstly carry out one-time audit on the claim settlement data of the user before generating the claim settlement data of the butt joint end, then the claim settlement data of the butt joint end is generated and sent to the butt joint end server, two-layer audit of the intermediate claim settlement system and the butt joint end server is realized, so that the deviation between the claim settlement data of the user and the claim settlement data of the butt joint end is reduced, audit errors possibly occurring in one-time audit are avoided, the accuracy of the claim settlement data of the butt joint end is improved, and further the accuracy of direct data butt joint between the user end and the butt joint end server is improved.

And S106, starting a padding process aiming at the claim settlement data of the user, and sending padding completion information generated after the padding process is finished to a butt-joint end server corresponding to the policy.

The information processing method provided by the embodiment of the application can at least realize the following beneficial effects:

1) the data docking mode from the user side to the docking end server can be determined according to the number of the policy corresponding to the multiple groups of user claim data and the claim payment type of the docking end server related to the policy. When the number of the insurance policies corresponding to the multiple groups of user claim data is one and the claim type of the butt end server related to the insurance policies is a direct payment type, the intermediate claim settlement system sends the butt end claim data generated based on at least part of data in the user claim settlement data to the butt end server, the butt end server checks and pays the claim to the user, direct butt joint of the user end data and the butt end server data can be achieved, consistency of data models between the user end and the butt end server is improved, accuracy and safety of claim settlement can be improved, the intermediate claim settlement system does not need to carry out pad payment, and cash flow pressure of the intermediate claim settlement system can be reduced.

2) Two-layer auditing of the middle claim settlement system and the butt-joint end server is realized, so that the deviation between the claim settlement data of a user and the claim settlement data of the butt-joint end is reduced, the accuracy of the claim settlement data of the butt-joint end is improved, and the accuracy of direct data butt joint between the user side and the butt-joint end server is improved.

In an optional implementation manner, after sending the claim data of the docking end to the docking end server, the information processing method provided in an embodiment of the present application further includes:

under the condition that the butt end server performs feedback within the specified feedback period, responding to the claim failure information fed back by the butt end server, starting a pad payment process aiming at the claim data of the user, and sending pad payment completion information generated after the pad payment process is finished to the butt end server; and under the condition that the butt end server does not perform feedback within the specified feedback period, responding to the latest moment when the current moment is the specified feedback period, starting a padding process aiming at the claim data of the user, and sending padding completion information generated after the padding process is finished to the butt end server.

Optionally, the claim payment failure information fed back by the docking end server may be generated when the auditing of the docking end claim data by the docking end server fails, or may be generated when the auditing of the docking end claim data by the docking end server passes but the payment of the claim payment fails.

The specified feedback period in the embodiment of the application may be according to an actual demand condition, in an example, the specified feedback period may be set as a week time when the intermediate claim settlement system sends the claim settlement data to the opposite terminal server, and in another example, the specified feedback period may also be set according to a feedback period in pre-agreed information between the intermediate claim settlement system and an insurance company.

Through the above manner, the embodiment of the application can carry out pad payment on the user by the intermediate claim settlement system under the condition that the butt end server has no feedback or fails to pay directly for a long time, so that the response speed of the intermediate claim settlement system to a claim settlement request of the user is ensured, the claim payment efficiency is improved, and the claim settlement timeliness is ensured.

In an optional implementation manner, after sending the claim data of the docking end to the docking end server, the information processing method provided in an embodiment of the present application further includes:

responding to the information of successful compensation fed back by the server at the butt end, and sending a data updating instruction to the user end; the data updating instruction is used for updating the claim settlement progress data of the user side.

After the butt-joint end server directly pays successfully, the claim settlement progress data of the user end is updated, real-time butt joint of the user end data and the butt-joint end server data can be achieved, and efficiency of butt joint of the two end data is improved.

In an alternative embodiment, in the case that the number of policy corresponding to the plurality of sets of user claim data is at least two, as shown in fig. 3, the foregoing steps S104 in the embodiment of the present application may be replaced with the following steps S107 to S111:

s107, determining the corresponding pay type of the butt-end server related to each policy; if the payment type corresponding to the butt end server related to at least one policy is a direct payment type in at least two policies, executing step S108; in the case where the payment types corresponding to the docking end servers related to the at least two policy are not the direct payment type, step S109 is performed.

And S108, sending corresponding data of the claim settlement of the butting terminal to each server of the butting terminal, and then executing S110.

Optionally, based on a one-to-one correspondence relationship between the policy and the corresponding server, when the number of policies corresponding to the multiple sets of user claim data is at least two, the number of corresponding servers is also at least two, and the intermediate claim settlement system may split the multiple sets of user claim data based on a difference in time range corresponding to the policy, and distribute the split user claim data to the corresponding servers of the respective policies. For example, the user claim data in the time range corresponding to the policy of the B insurance company is split and sent to the server of the B insurance company, and the user claim data in the time range corresponding to the policy of the C insurance company is split and sent to the server of the C insurance company.

And S109, starting a padding process aiming at the claim settlement data of the user, and respectively sending padding completion information aiming at the current butt-end server, which is generated after the padding process is finished, to the butt-end servers corresponding to the at least two insurance policies.

For an alternative implementation of the padding process for the claim settlement data, reference may be made to the above related contents, and details are not described here.

In one example, for non-direct payment type B insurance companies and C insurance companies, after the underpaying process for the user's claim data is finished, the claim completion information for the server of the B insurance company is sent to the server of the B insurance company, which indicates that the intermediate claim system has underpayed the money that the B insurance company should pay, and the claim completion information for the server of the C insurance company is sent to the server of the C insurance company, which indicates that the intermediate claim system has underpayed the money that the C insurance company should pay.

And S110, responding to the butt end information to be claimed returned after each direct payment type butt end server passes the check of the butt end claim data, and sending the user end information to be claimed to the user end.

The client-side claim payment information is generated by collecting all the connection-end claim payment information.

In one example, for direct payment type B insurance companies and C insurance companies, the server of the B insurance company returns information to be paid of the B insurance company after the received data of the claim data of the opposite terminal is passed, the server of the C insurance company returns information to be paid of the C insurance company after the received data of the claim data of the opposite terminal is passed, the intermediate claim settlement system collects the information to be paid of the B insurance company and the information to be paid of the C insurance company to form user terminal claim information, and the user terminal claim information is sent to the user terminal.

And S111, after responding to confirmation information which is returned by the user side and confirms the claim information of the user side, sending the confirmation information to the claim data of each direct payment type butt end.

The confirmation information is used to inform each direct payment type of the docking end server to pay the corresponding user.

Optionally, the paying of the corresponding user by the docking end server may be implemented by any one of the following manners: in the first mode, each butt-joint end server calls the payment account of the insurance company to which each butt-joint end server belongs to pay the corresponding payable claim payment to the collection account of the user; and in the second mode, each butt-end server pays the paid claims to the payment and receipt account of the intermediate claim settlement system, and the intermediate claim settlement system uniformly pays the collected paid claims to the collection account of the user.

According to the embodiment of the application, under the condition that the number of the insurance policies corresponding to the multiple groups of user claim data is at least two, the data docking mode from the user side to the at least two docking end servers can be determined according to the claim payment types of the docking end servers corresponding to the at least two insurance policies, and the flexibility of data docking with different docking end servers is improved.

For a direct payment type butt-end server, the intermediate claim settlement system can send the butt-end claim settlement data generated based on at least part of data related to the direct payment type butt-end server in the user claim settlement data to the direct payment type butt-end server, and the direct payment type butt-end server checks and pays a claim to the user so as to realize the direct butt joint of the user data and the direct payment type butt-end server data, improve the consistency of a data model between the user side and the direct payment type butt-end server and further improve the accuracy and the safety of claim settlement; for a non-direct payment type butt-end server, the intermediate claim settlement system can carry out payment to ensure the claim settlement timeliness of the intermediate claim settlement system facing users.

In an optional implementation manner, after sending the corresponding dockee claim data to each dockee server, or after sending the confirmation information to each direct-payment-type dockee claim data, the information processing method provided by the embodiment of the present application further includes:

for the butt joint end server which is fed back within the specified feedback time limit, responding to the claim failure information fed back by the butt joint end server, starting a pad payment process aiming at the claim data of the user, and sending pad payment completion information generated after the pad payment process is finished to the butt joint end server; and for the butt joint end server which does not perform feedback within the specified feedback time limit, responding to the latest moment when the current moment is the specified feedback time limit, starting a padding process aiming at the claim data of the user, and sending padding completion information generated after the padding process is finished to the butt joint end server.

For an alternative implementation of the padding process for the claim settlement data, reference may be made to the above related contents, and details are not described here.

Through the mode, the embodiment of the application can carry out pad payment on the user by the intermediate claim settlement system under the condition that some butt-joint end servers have no feedback or failure in direct payment for a long time, so that the response speed of the intermediate claim settlement system to a claim settlement request of the user is ensured, the whole claim payment efficiency cannot be influenced by the problem of individual butt-joint servers, and the claim settlement timeliness can be ensured.

In an optional implementation manner, the information processing method provided in the embodiment of the present application may be implemented based on a SaaS platform. Software running with high flexibility can be realized at low cost through the SaaS platform.

Based on the same inventive concept, the embodiment of the present application further provides an information processing apparatus, as shown in fig. 4, the information processing apparatus 400 may include: a character recognition module 401, a policy amount determination module 402, a first payment type determination module 403, and a first payment module 404.

The character recognition module 401 is configured to perform character recognition on multiple claim settlement vouchers uploaded by a user side to obtain multiple groups of user claim settlement data;

the policy quantity determining module 402 is configured to determine the quantity of policies corresponding to the multiple groups of user claim data according to the claim settlement time range to which each group of user claim data belongs in the multiple groups of user claim data, and the preset correspondence between different claim settlement time ranges and different policies;

a first pay type determining module 403, configured to determine, when the number of the policy corresponding to the multiple sets of user claims data is one, a pay type corresponding to the butt end server related to the policy;

the first claim payment module 404 is configured to send the butt end claim settlement data to the butt end server when the claim payment type corresponding to the butt end server is a direct payment type, so that the butt end server performs auditing and claim payment on the butt end claim settlement data; the data of claim settlement of the butt end is generated according to at least part of the data in the data of claim settlement of the user.

Optionally, the first payment module 404 is specifically configured to: checking the claim settlement data of the user according to the claim settlement conditions in the insurance policy; and when the user claim data meet the claim settlement conditions in the policy, generating the claim settlement data of the butt-joint end according to at least part of data in the user claim settlement data, and sending the claim settlement data of the butt-joint end to the butt-joint end server.

In an optional implementation manner, the information processing apparatus provided in an embodiment of the present application may further include: a second payout module.

The second paying module is used for responding to claim failure information fed back by the butt end server under the condition that the butt end server feeds back within a specified feedback period, starting a paying process aiming at claim data of a user, and sending paying completion information generated after the paying process is finished to the butt end server; and under the condition that the butt end server does not perform feedback within the specified feedback period, responding to the latest moment when the current moment is the specified feedback period, starting a padding process aiming at the claim data of the user, and sending padding completion information generated after the padding process is finished to the butt end server.

In an optional implementation manner, as shown in fig. 5, the information processing apparatus provided in the embodiment of the present application may further include: a second claim payment type determination module 405, a claim data transmission module 406, an information confirmation module 407, and a third claim payment module 408.

And a second pay type determining module 405, configured to determine, when the number of the policy corresponding to the multiple sets of user claims data is at least two, a pay type corresponding to the corresponding docking end server related to each policy.

And a claim data sending module 406, configured to send the corresponding claim data of the docking end to each docking end server if there is a case that the claim type corresponding to the docking end server related to at least one policy in the at least two policies is a direct payment type.

The information confirmation module 407 is configured to send the information to be paid by the user end to the user end after the information to be paid by the docking end that passes the audit of the data to be paid by each direct-payment type docking end server and is returned; the information to be paid by the user side is generated by collecting the information to be paid by each connection end;

the third reimbursement module 408 is configured to send confirmation information to the claim settlement data of each direct payment type of the docking terminal after responding to confirmation information returned by the user terminal for confirming the claim settlement information of the user terminal; the confirmation information is used to inform each direct payment type of the docking end server to pay the corresponding user.

In an optional implementation manner, the information processing apparatus provided in an embodiment of the present application may further include: and a data updating module.

The data updating module is used for responding to the claim payment success information fed back by the butt end server and sending a data updating instruction to the user side after sending a claim settlement request carrying the butt end claim settlement data to the butt end server; the data updating instruction is used for updating the claim settlement progress data of the user side.

In an optional implementation manner, the information processing apparatus provided in the embodiment of the present application may be implemented based on a SaaS platform.

The functions of each module in each apparatus in the embodiment of the present application may refer to corresponding descriptions in the above method, and are not described herein again.

Based on the same inventive concept, an embodiment of the present application further provides an information processing apparatus, as shown in fig. 6, the apparatus including: a memory 601 and a processor 602, wherein the memory 601 stores computer programs running on the processor 602. The processor 602 implements any of the information processing methods in the above-described embodiments when executing the computer program. The number of the memory 601 and the processor 602 may be one or more.

The information processing apparatus provided in the embodiment of the present application may further include:

the communication interface 603 is configured to communicate with an external device, and perform data interactive transmission.

If the memory 601, the processor 602 and the communication interface 603 are implemented independently, the memory 601, the processor 602 and the communication interface 603 may be connected to each other through a bus and perform communication with each other. The bus may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, an Extended ISA (EISA) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one thick line is shown in FIG. 6, but this is not intended to represent only one bus or type of bus.

Optionally, in a specific implementation, if the memory 601, the processor 602, and the communication interface 603 are integrated on a chip, the memory 601, the processor 602, and the communication interface 603 may complete mutual communication through an internal interface.

Based on the same inventive concept, embodiments of the present application further provide a computer-readable storage medium storing a computer program, which when executed by a processor implements the method provided in the embodiments of the present application.

Based on the same inventive concept, the embodiment of the present application further provides a chip, where the chip includes a processor, and is configured to call and run an instruction stored in a memory from the memory, so that a communication device mounted with the chip executes any one of the information processing methods provided in the embodiment of the present application.

Based on the same inventive concept, the embodiment of the present application further provides a chip, including: the system comprises an input interface, an output interface, a processor and a memory, wherein the input interface, the output interface, the processor and the memory are connected through an internal connection path, the processor is used for executing codes in the memory, and when the codes are executed, the processor is used for executing any one of the information processing methods provided by the application embodiment.

It should be understood that the processor may be a Central Processing Unit (CPU), other general purpose processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic, discrete hardware components, etc. A general purpose processor may be a microprocessor or any conventional processor or the like. It is noted that the processor may be an advanced reduced instruction set machine (ARM) architecture supported processor.

Further, optionally, the memory may include a read-only memory and a random access memory, and may further include a nonvolatile random access memory. The memory may be either volatile memory or nonvolatile memory, or may include both volatile and nonvolatile memory. The non-volatile memory may include a read-only memory (ROM), a Programmable ROM (PROM), an Erasable PROM (EPROM), an electrically Erasable EPROM (EEPROM), or a flash memory. Volatile memory can include Random Access Memory (RAM), which acts as external cache memory. By way of example, and not limitation, many forms of RAM are available. For example, Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), Synchronous Dynamic Random Access Memory (SDRAM), double data rate synchronous SDRAM (DDR SDRAM), Enhanced SDRAM (ESDRAM), synchlink DRAM (SLDRAM), and direct memory bus RAM (DR RAM).

In the above embodiments, the implementation may be wholly or partially realized by software, hardware, firmware, or any combination thereof. When implemented in software, may be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. The procedures or functions according to the present application are generated in whole or in part when the computer program instructions are loaded and executed on a computer. The computer may be a general purpose computer, a special purpose computer, a network of computers, or other programmable device. The computer instructions may be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another computer-readable storage medium.

In the description herein, references to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.

Furthermore, the terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In the description of the present application, "a plurality" means two or more unless specifically limited otherwise.

Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing specific logical functions or steps of the process. And the scope of the preferred embodiments of the present application includes other implementations in which functions may be performed out of the order shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved.

The logic and/or steps represented in the flowcharts or otherwise described herein, e.g., an ordered listing of executable instructions that can be considered to implement logical functions, can be embodied in any computer-readable medium for use by or in connection with an instruction execution system, apparatus, or device, such as a computer-based system, processor-containing system, or other system that can fetch the instructions from the instruction execution system, apparatus, or device and execute the instructions.

It should be understood that portions of the present application may be implemented in hardware, software, firmware, or a combination thereof. In the above embodiments, the various steps or methods may be implemented in software or firmware stored in memory and executed by a suitable instruction execution system. All or part of the steps of the method of the above embodiments may be implemented by hardware that is configured to be instructed to perform the relevant steps by a program, which may be stored in a computer-readable storage medium, and which, when executed, includes one or a combination of the steps of the method embodiments.

In addition, functional units in the embodiments of the present application may be integrated into one processing module, or each unit may exist alone physically, or two or more units are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. The integrated module may also be stored in a computer-readable storage medium if it is implemented in the form of a software functional module and sold or used as a separate product. The storage medium may be a read-only memory, a magnetic or optical disk, or the like.

The above description is only for the specific embodiments of the present application, but the scope of the present application is not limited thereto, and any person skilled in the art can easily conceive various changes or substitutions within the technical scope of the present application, and these should be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.

Claims (12)

1. An information processing method characterized by comprising:

performing character recognition on a plurality of claim settlement vouchers uploaded by a user side to obtain a plurality of groups of user claim settlement data;

determining the number of policy corresponding to the multiple groups of user claim data according to the claim settlement time range to which each group of user claim data belongs in the multiple groups of user claim data, and the corresponding relationship between preset different claim settlement time ranges and different policies;

determining the payment type corresponding to the butt end server related to the insurance policy under the condition that the number of the insurance policies corresponding to the multiple groups of user claim data is one;

sending the butt end claim data to the butt end server under the condition that the claim type corresponding to the butt end server is a direct payment type, so that the butt end server checks and claims the butt end claim data; the data of claim settlement of the butt end is generated according to at least part of data in the data of claim settlement of the user.

2. The information processing method of claim 1, wherein the sending the dockee claim data to the dockee server comprises:

checking the user claim settlement data according to the claim settlement conditions in the insurance policy;

and when the user claim data meets the claim settlement conditions in the policy, generating the claim settlement data of the butt-joint end according to at least part of data in the user claim settlement data, and sending the claim settlement data of the butt-joint end to the butt-joint end server.

3. The information processing method according to claim 1 or 2, wherein after the sending of the dockee claim data to the dockee server, further comprising:

under the condition that the butt end server performs feedback within a specified feedback period, responding to claim failure information fed back by the butt end server, starting a pad payment process aiming at the claim data of the user, and sending pad payment completion information generated after the pad payment process is finished to the butt end server;

and under the condition that the butt end server does not perform feedback within the specified feedback period, responding to the latest moment of the specified feedback period at the current moment, starting a padding process aiming at the claim settlement data of the user, and sending padding completion information generated after the padding process is finished to the butt end server.

4. The information processing method according to claim 1 or 2, characterized by further comprising:

determining the corresponding claim type of the butt-end server related to each policy under the condition that the number of the policies corresponding to the multiple groups of user claim data is at least two;

when the payment type corresponding to the butt-end server related to at least one policy in at least two policies is a direct payment type, sending corresponding butt-end claim data to each butt-end server;

responding to the butt end claim information which is returned after the butt end claim data of each direct payment type is audited and passed by the butt end server, and sending the user end claim information to the user end; the information to be paid by the user side is generated by collecting the information to be paid by each connection end;

after responding to confirmation information which is returned by the user side and confirms the information to be paid by the user side, sending the confirmation information to the claim settlement data of the butt joint end of each direct payment type; the confirmation information is used for informing each direct payment type of the butt-end server to pay for the corresponding user.

5. The information processing method according to claim 1, further comprising, after the sending the dockee claim data to the dockee server:

responding to the information of successful compensation fed back by the butt end server, and sending a data updating instruction to the user end; and the data updating instruction is used for updating the claim settlement progress data of the user side.

6. The information processing method according to claim 1 or 5, wherein the information processing method is implemented based on a software-as-a-service platform.

7. An information processing apparatus characterized by comprising:

the character recognition module is used for carrying out character recognition on the plurality of claim settlement vouchers uploaded by the user side to obtain a plurality of groups of user claim settlement data;

the insurance policy quantity determining module is used for determining the quantity of insurance policies corresponding to the multiple groups of user claim data according to the claim settlement time range to which each group of user claim data belongs in the multiple groups of user claim data, and the corresponding relation between preset different claim settlement time ranges and different insurance policies;

the first pay type determining module is used for determining the pay type corresponding to the butt end server related to the insurance policy under the condition that the number of the insurance policy corresponding to the multiple groups of user claim data is one;

the first claim payment module is used for sending the butt end claim settlement data to the butt end server under the condition that the claim payment type corresponding to the butt end server is a direct payment type, so that the butt end server checks and claims the claim payment data aiming at the butt end; the data of claim settlement of the butt end is generated according to at least part of data in the data of claim settlement of the user.

8. The information processing apparatus according to claim 7, characterized by further comprising:

the second paying module is used for responding to claim payment failure information fed back by the butt end server under the condition that the butt end server performs feedback within a specified feedback time limit, starting a paying process aiming at the user claim settlement data, and sending paying completion information generated after the paying process is finished to the butt end server; and under the condition that the butt end server does not perform feedback within the specified feedback period, responding to the latest moment of the specified feedback period at the current moment, starting a padding process aiming at the claim settlement data of the user, and sending padding completion information generated after the padding process is finished to the butt end server.

9. The information processing apparatus according to claim 7, characterized by further comprising:

the second payment type determining module is used for determining the payment type corresponding to the butt end server related to each policy under the condition that the number of the policies corresponding to the multiple groups of user claim data is at least two;

the claim settlement data sending module is used for sending the corresponding claim settlement data of the butt-joint end to each butt-joint end server under the condition that the claim type corresponding to the butt-joint end server related to at least one policy is a direct payment type in at least two policies;

the information confirmation module is used for responding to the butt end claim payment information which is returned after the butt end claim data of each direct payment type is audited by the butt end server, and then sending the user end claim payment information to the user end; the client side claim payment information is generated after the summary of the each connection terminal claim payment information;

the third paying module is used for responding to confirmation information which is returned by the user side and confirms the paying information, and then sending the confirmation information to the paying data of the butt end of each direct payment type; the confirmation information is used for informing each direct payment type of the butt-end server to pay for the corresponding user.

10. The information processing apparatus according to claim 7, characterized by further comprising:

the data updating module is used for responding to the claim payment success information fed back by the butt end server and sending a data updating instruction to the user side after sending a claim settlement request carrying the butt end claim settlement data to the butt end server; and the data updating instruction is used for updating the claim settlement progress data of the user side.

11. An information processing apparatus characterized by comprising: a memory and a processor, the memory having stored therein instructions that are loaded and executed by the processor to implement the information processing method of any one of claims 1 to 6.

12. A computer-readable storage medium in which a computer program is stored, which, when executed by a processor, implements the information processing method according to any one of claims 1 to 6.

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