CN117994025A - Method for rapidly generating payment code based on wind control rules such as insurance credit payment - Google Patents
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Abstract
The invention discloses a method for quickly generating a payment code based on wind control rules such as insurance credit payment and the like, which relates to the technical field of credit-giving safety payment, wherein identity information is matched with user information corresponding to user insurance information, insurance types corresponding to the user insurance information are analyzed, and a claim pre-evaluation value of treatment characteristic information in the corresponding insurance types is confirmed; acquiring the medical request message and the diagnosis feature information of the user based on a historical case chain, and carrying out statistics on the diagnosis feature information and the corresponding claim settlement estimated value to acquire a preliminary wind control estimated value; the user and the platform perform authorized subscription and binding to generate loan application information approved by the card-holding financial institution; and receiving loan amount data fed back by the card-holding financial institution, and reallocating the loan amount data according to the medical request message to realize user payment data in different dimensions.
Description
Technical Field
The invention relates to the technical field of trusted secure payment, in particular to a method for quickly generating a payment code based on wind control rules such as insurance credit payment and the like.
Background
With the development of the medical health industry, the demands of consumers for various consumer medical health products are obviously increased, and for the situation that funds are not circulated for a while when the relatives need the operations, medical consumption loans further reduce the consumption threshold of the consumers, so that more consumers can acquire the medical health products or services.
However, there are also a number of problems in the development of the medical consumer finance industry, including:
The currently used electronic medical records are mainly collected and obtained by the medical staff from each medical institution, but the medical materials provided by each medical institution are different and not shared, so that the collection difficulty is increased under the condition that the reimbursement rules are not clear for the medical staff; the corresponding loan financial institution has long auditing time, poor overall customer experience and low usage rate of the payment service;
The loan financial institution directly pays money to the customer personal card-holding financial institution account, the loan financial institution staff personal card-holding financial institution account or the B-terminal designated card-holding financial institution account, so that fixed-point, timing and directional payment cannot be realized, and unused fees are difficult to recover;
the loan financial institution provides offline assistance for clients to collect and submit the claim material, but the clients do not submit the power of the claim material and the third party credit investigation data, cannot model the data, and cannot judge the loan qualification, repayment willingness and repayment capacity of the users; and the cost of the service party to the loan financial institution is high.
When the loan financial institution evaluates the repayment capability of the user, if the repayment capability of the user is overestimated, the service side can only collect the repayment fee in an original mode such as telephone, the initiative repayment will of the user is low, the service side does not have a grip for recovering the fee, and bad accounts are easy to generate.
The privacy information of loan clients also has certain potential safety hazards after being submitted, so that medical consumers cannot uniformly manage own health data, the control right of the users on the identity information is difficult to realize, and the problems of insufficient usability, weak privacy protection and the like in data interaction exist.
In view of the above, the invention provides a method for rapidly generating a payment code based on wind control rules such as insurance credit payment.
Disclosure of Invention
The present invention aims to solve at least one of the technical problems existing in the prior art. Therefore, the invention provides a method for quickly generating the payment code based on the wind control rules such as insurance credit payment, and the like, a unified standard interface is established, a standard payment mode is automatically configured, and the insurance payment efficiency and the user experience are improved.
To achieve the above object, an embodiment according to a first aspect of the present invention provides a credit-based credit granting and enterprise account fast approval method, including the following steps:
The method is used for collecting identity information of the user end C and user insurance information of the merchant end B in advance;
Carrying out identity matching on the identity information and the user information corresponding to the user insurance information, storing the user information subjected to the identity matching in a corresponding identity area, and associating the identity area with the corresponding user insurance information;
Analyzing the insurance types corresponding to the insurance information of each user, extracting the medical claim information corresponding to each insurance type from a historical insurance claim database, and further confirming the claim pre-evaluation value of the diagnosis feature information in the corresponding insurance type based on the medical claim information;
Acquiring a historical case chain of a user, acquiring the medical request message and the diagnosis feature information of the user based on the historical case chain, and carrying out statistics on the diagnosis feature information and the corresponding claim settlement predicted value to acquire a preliminary wind control evaluation value;
The user signs up with the platform in an authorized way, the identity information of the user is perfected, the identity information also comprises financial card information, and the perfected identity information and the preliminary wind control evaluation value are bound to generate loan application information approved by a card-holding financial institution;
And receiving loan amount data fed back by the card-holding financial institution, and reallocating the loan amount data according to the medical request message to realize user payment data in different dimensions.
As a preferable scheme of the invention, the identity information is the identity characteristic information of each user at the C user side; the identity characteristic information comprises a user name and characteristic data corresponding to the user name; the feature data includes, but is not limited to, digital authentication information and biometric information;
the user insurance information is insurance information purchased by the user at the merchant terminal B.
As a preferred scheme of the invention, the identity matching mode of the user information corresponding to the identity information and the user insurance information is as follows:
Step Y1: comparing and analyzing the user information corresponding to the user insurance information based on at least one verification mode in the user identity information, outputting a first verification result if the identity information is matched with the user information corresponding to the user insurance information, executing a step Y2, and re-operating the step Y1 if the identity information is not matched with the user information corresponding to the user insurance information, and continuing to verify until the first verification result is obtained;
Step Y2: under the condition that the first verification result is determined, acquiring a current user position, verifying the current user position, the user position verified last time and the resident address, if the current user position passes through the verification, outputting a second verification result, executing a step Y3, if the current user position does not pass through the verification, re-operating the step Y1, and continuing to verify until the second verification result is obtained;
step Y3: comparing and analyzing according to the encryption mode and the decrypted data fed back by the user, outputting a third verification result if the decrypted data fed back by the user is correct, executing the step Y4, and re-operating the step Y1 if the decrypted data fed back by the user is incorrect, and continuing to verify until the third verification result is obtained;
step Y4: the user logs in and accesses corresponding user insurance information through identity information trust, and stores the user information with matched identities in corresponding identity areas, wherein the identity areas are identity storage units configured by block chains, and the identity areas are associated with the corresponding user insurance information.
As a preferred embodiment of the present invention, the logic for obtaining the claim predicted value of the confirmed visit characteristic information in the corresponding insurance type is:
step Z1: collecting insurance information of each user in the identity area in advance, and corresponding insurance types of the insurance information of each user;
Step Z2: extracting medical claim information corresponding to each insurance type from a historical insurance claim database, and obtaining the diagnosis feature information from the medical claim information and the insurance types through a cross verification model;
Step Z3: counting the insurance matching degree and the medical claim ratio degree of the visit characteristic information, wherein the insurance matching degree is used for representing the number of times of the existence of the claim of different insurance types in the historical claim settlement process, and the medical claim ratio degree is used for representing the proportion of the existence of the claim of different insurance types in the historical claim settlement process;
step Z4: and storing the diagnosis feature information, corresponding to the diagnosis feature information, of which any one of the insurance matching degree and the medical claim ratio degree is larger than a preset focus feature threshold value in a medical claim prediction list, and confirming a claim prediction value of the diagnosis feature information in the corresponding insurance type according to the medical claim prediction list.
As a preferred embodiment of the present invention, the acquiring logic of the preliminary wind control evaluation value is:
based on the time stamp, carrying out data grouping on the corresponding diagnosis feature information in the historical case chain of the user, and calculating a weighted hash value corresponding to the medical request message by utilizing a hash algorithm and the weight value of each diagnosis feature information;
comparing weighted hash values corresponding to all medical request messages, merging two medical request messages with Hamming distances between the hash values smaller than a preset Hamming threshold value into the same similar medical request data set, and merging the medical request messages into a new medical request message;
Feeding back a new medical request message to the user side, and updating the medical request message after the user agrees to the authorization; directly calling the diagnosis characteristic information in the medical claim forecast list and the corresponding claim forecast value according to the medical request message,
And obtaining the preliminary wind control evaluation value through mathematical statistics on the diagnosis feature information and the corresponding claim settlement evaluation value.
As a preferable scheme of the invention, the allocation mode of reallocating the loan amount data according to the medical request message is as follows:
The medical request message comprises at least one medical monitoring task, the medical monitoring task customizes a corresponding monitoring treatment ordering table according to the user requirement, and the monitoring treatment ordering table distributes and assigns the medical monitoring task to generate a loan distribution scheme;
acquiring corresponding segment monitoring information for the actual application scene of each medical monitoring task, acquiring monitoring difference information corresponding to the current time stamp based on the segment monitoring information, and displaying the monitoring difference information in the form of a time progress bar;
when the number of times of the monitoring difference information appearing in the time progress bar within the preset time exceeds the normal standard, the monitoring difference information within the time period is fed back to the C user side, the user is reminded of updating the loan allocation scheme, and the loan allocation scheme is stored in the historical loan allocation data corresponding to the identity area.
As a preferred scheme of the invention, the mode for reminding the user to update the loan allocation scheme is as follows:
Setting a treatment cost threshold value of each medical monitoring task according to priori knowledge in advance, and screening out medical monitoring tasks with treatment cost smaller than the treatment cost threshold value; it will be appreciated that there may be a treatment cost overestimate for the remaining medical monitoring tasks;
And in the rest medical monitoring tasks, sequencing the treatment cost of the users from high to low, sequentially sending the user name, the corresponding treatment scheme of the users and the treatment cost to the C user side in real time for visual display, and carrying out early warning prompt.
The embodiment of the second aspect of the invention provides a credit-based and enterprise account rapid approval system, which is based on the realization of a credit-based and enterprise account rapid approval method and comprises an information collection module, an identity matching module, a preliminary wind control module, a wind control evaluation module, a subscription binding module and a payment configuration module;
The information collection module is used for collecting the identity information of the C user end and the user insurance information of the B merchant end in advance and sending the identity information of the C user end and the user insurance information of the B merchant end to the identity matching module;
The identity matching module is used for carrying out identity matching on the user information corresponding to the identity information and the user insurance information, storing the user information subjected to the identity matching in a corresponding identity area, associating the identity area with the corresponding user insurance information, and sending the corresponding relation between the identity information and the user insurance information to the preliminary wind control module;
The preliminary wind control module is used for analyzing the insurance types corresponding to the insurance information of each user, extracting the medical claim information corresponding to each insurance type from the historical insurance claim database, further confirming the claim pre-evaluation value of the diagnosis feature information in the corresponding insurance type based on the medical claim information, and sending the claim pre-evaluation value to the wind control evaluation module;
The wind control evaluation module is used for acquiring a historical case chain of the user, acquiring the medical request message and the diagnosis feature information of the user based on the historical case chain, carrying out statistics on the diagnosis feature information and the corresponding claim settlement predicted value to acquire a preliminary wind control evaluation value, and transmitting the preliminary wind control evaluation value to the signing binding module;
the signing binding module is used for authorizing signing between a user and the platform, perfecting the identity information of the user, wherein the identity information also comprises financial card information, and binding the perfected identity information and the preliminary wind control evaluation value to generate loan application information approved by a card-holding financial institution;
And the payment configuration module is used for receiving loan amount data fed back by the card-holding financial institution, and reallocating the loan amount data according to the medical request message to realize user payment data in different dimensions.
An embodiment of a third aspect of the present invention proposes an electronic device, characterized by comprising: a processor and a memory, wherein the memory stores a computer program for the processor to call;
The processor executes a credit-based trust and enterprise account fast approval method by calling a computer program stored in the memory.
An embodiment of a fourth aspect of the present invention provides a computer-readable storage medium storing instructions that, when executed on a computer, cause the computer to perform a method for credit-based trust and enterprise account fast approval
Compared with the prior art, the invention has the beneficial effects that:
The invention ensures the integrity and accuracy of loan application information by controlling the source and accuracy of the information, reduces the time and cost for a loan organization to verify the information, selects proper loan products according to the specific requirements and conditions of borrowers, and can reduce unnecessary time delay and complicated flow;
through automatic application flow acquisition and verification information, a good communication channel is established with a business insurance company and a loan organization respectively, so that problems and clarification questions are solved in time, risk assessment of borrowers is directly acquired, and the approval process of loan application is accelerated;
The technology of marking, two-dimension code, internet payment and the like is combined through the cooperative payment channel, the acceptance network paved by the payment channel is multiplexed, the mobile, online and scene payment settlement of the magnesium letters is supported, and the platform designates the marked account to carry out timing, directional and rated payment.
Drawings
FIG. 1 is a block diagram of a credit-based trust and enterprise account rapid approval system of the present invention;
FIG. 2 is a flow chart of the method of the present invention for credit-based trust and enterprise account fast approval;
FIG. 3 is a flow chart of the overall business of the invention based on credit granting and enterprise account credit medical treatment;
fig. 4 is a schematic structural diagram of an electronic device according to the present invention.
Detailed Description
The technical solutions of the present invention will be clearly and completely described in connection with the embodiments, and it is obvious that the described embodiments are only some embodiments of the present invention, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
The operation payment platform of the current medical health loan comprises a third-party medical service platform (hereinafter referred to as a service end), a service supply end (hereinafter referred to as a merchant end B) and a user applying for using the service (hereinafter referred to as a user end C); wherein:
And A, a server side: and building a service platform, coordinating all service parties, and providing responsibilities of insurance wind control, an overall service flow and service aging management.
And B, merchant terminal: the merchant terminal B refers to a provider for providing goods or services in medical health loan service, and can accept rapid payment from the user terminal C through integration with the service terminal A. This greatly simplifies the transaction process and improves the funds transfer efficiency.
Specific B merchant terminals include, but are not limited to, the following merchants: credit giving and paying services, medical and pharmaceutical services and insurance claim services. Indeed, any institution associated with the healthcare industry, whether directly or indirectly involved, may be part of the B-merchant's end and may need to utilize the services provided by the a-service end.
C, user terminal: the individual users using the medical health loan service have corresponding credit qualification, and the C user side can finish quick payment on line through the platform of the A service side to enjoy convenient financial service. The credit status of the user terminal C directly influences the credit limit of the server terminal A, and further influences the payment capability of the user terminal C.
In general, the server A plays a central role, and as shown in FIG. 3, not only provides a payment platform and a credit assessment mechanism, but also coordinates transaction activities of the merchant B and the user C. By means of credit-based trust, the method simplifies transaction flow, improves payment efficiency and safety, provides better financial service experience for users, and simultaneously promotes commodity or service circulation of the merchant terminal B and increases business value of the whole system.
Example 1
As shown in fig. 1, the credit-based credit granting and enterprise account rapid approval system comprises an information collection module, an identity matching module, a preliminary wind control module, a wind control evaluation module, a subscription binding module and a payment configuration module; wherein, each module is connected by an electric and/or wireless network mode;
The information collection module is mainly used for pre-collecting identity information of the user end C and user insurance information of the merchant end B; the identity information of the user terminal C and the user insurance information of the merchant terminal B are sent to an identity matching module;
In a preferred embodiment, the identity information is identity feature information of each user at the C user side; specifically, the identity characteristic information comprises a user name and characteristic data corresponding to the user name; the feature data includes, but is not limited to, digital authentication information and biometric information; based on the feature data, the authenticity of the user is ensured, and only authenticated users can access a specific resource or service.
The digital verification information can be a certificate number, the certificate number comprises a certificate number which can verify identity, such as an identity card number, a passport number, a social security card number, a driving license number and a mobile phone number, the identity of a user can be verified through the existing setting rules, and the risk of stealing the identity information is avoided.
Biometric information including, but not limited to, a user facial image, a user fingerprint, and a bone tomographic image, the matching information corresponding to the biometric information being stored for the user implementation in an identity region corresponding to the identity matching module,
The user insurance information is insurance information purchased by a user at a B merchant terminal, and preferably, the user insurance information comprises user information of the B merchant terminal where the user is located and at least one piece of insurance information purchased by the user at least one B merchant terminal;
what needs to be explained here is: the user can purchase insurance products at different B merchant terminals, as long as enterprise accounts at the B merchant terminals have a subscription relationship with the A service terminal, and the C user terminal purchases any insurance product at the B merchant terminals, the service request of the A service terminal can be obtained, and the quick approval system has a limitation that the quick approval system cannot evaluate non-subscribed enterprise accounts, and the user insurance information can be ordered in a customized manner according to the time stamp;
The identity matching module is used for carrying out identity matching on the user information corresponding to the identity information and the user insurance information, storing the user information subjected to the identity matching in a corresponding identity area, associating the identity area with the corresponding user insurance information, and sending the corresponding relation between the identity information and the user insurance information to the preliminary wind control module;
Specifically, the identity area acquisition blockchain technology is configured, so that the safety, transparency and authenticity of the user insurance information associated with the identity area can be ensured, and only authenticated users can access the insurance information of the users at the B merchant end.
The difficulty existing in the prior art is that the B merchant terminal and the A service terminal are in a subscription relationship, so that the A service terminal can directly access the B merchant terminal, and accordingly, the risk is that the user can directly call the insurance information of the user at the B merchant terminal only through identity authentication at the A service terminal, the confidentiality of the information of the user is greatly reduced, and unnecessary risks are brought to the user. Therefore, the identity information of the user and the user information corresponding to the user insurance information are stored in the identity area corresponding to the identity matching module.
In a preferred embodiment, the identity matching module performs identity matching on the user information corresponding to the user insurance information by using the following method:
Step Y1: comparing and analyzing the user information corresponding to the user insurance information based on at least one verification mode in the user identity information, outputting a first verification result if the identity information is matched with the user information corresponding to the user insurance information, executing a step Y2, and re-operating the step Y1 if the identity information is not matched with the user information corresponding to the user insurance information, and continuing to verify until the first verification result is obtained; the purpose of this step is to ensure the accuracy of identity verification, the user information in the user insurance information is the identity information that the user needs to provide when buying the insurance product, but in order to ensure confidentiality, this information needs to be provided with multiple checkpoints, so as to prevent identity fraud, ensure that only the real user can access the insurance information thereof, and specific exemplary illustration can be through the commonly used existing identity card information, namely Zhang san, identity card number 310102198X0312XXXX; and (5) preliminary user information verification through an identity card number experiment.
Step Y2: under the condition that the first verification result is determined, acquiring a current user position, verifying the current user position, the user position verified last time and the resident address, if the current user position passes through the verification, outputting a second verification result, executing a step Y3, if the current user position does not pass through the verification, re-operating the step Y1, and continuing to verify until the second verification result is obtained; unauthorized access can be prevented through position verification, especially when the position of the user changes, illegal invasion is avoided by utilizing knowledge of the actual situation of the user, here, the basis can be provided for further risk assessment by tracking the moving path of the user, and the part is not a solution of the embodiment, so that the details are not repeated.
Step Y3: comparing and analyzing according to the encryption mode and the decrypted data fed back by the user, outputting a third verification result if the decrypted data fed back by the user is correct, executing the step Y4, and re-operating the step Y1 if the decrypted data fed back by the user is incorrect, and continuing to verify until the third verification result is obtained; by comparing the encryption mode with the decrypted data fed back by the user, the safety of data transmission and storage is ensured, and the user who grasps the correctly decrypted data can access the insurance information of the user;
Step Y4: the user logs in and accesses corresponding user insurance information through identity information trust, and stores the user information with matched identities in corresponding identity areas, wherein the identity areas are identity storage units configured by block chains, and the identity areas are associated with the corresponding user insurance information. The data passing through the identity verification is more ordered, the subsequent data analysis and processing are convenient, and the data stored in the identity area is decentralised and can not be tampered, so that the user only needs to access the insurance information through the identity information trust, and the knowledge right and the self right of the user are ensured.
It should be noted that: the identity area corresponding to the identity matching module stores insurance products purchased from the merchant terminal B, and all insurance product information forms user insurance information; by arranging a comprehensive and multi-level verification system, the risk of the system can be effectively reduced, the safety of user data is improved, and the safety, accuracy and completeness of the user identity are ensured.
What should be stated here is also: in the verification process, if verification is not passed, the verification is performed again, and the robustness of the system is improved.
The preliminary wind control module is used for analyzing the insurance types corresponding to the insurance information of each user, extracting the medical claim information corresponding to each insurance type from the historical insurance claim database, further confirming the claim pre-evaluation value of the diagnosis feature information in the corresponding insurance type based on the medical claim information, and sending the claim pre-evaluation value to the wind control evaluation module;
In a preferred embodiment, the logic for obtaining the claim pre-evaluation value of the confirmed visit characteristic information in the corresponding insurance type is:
step Z1: collecting insurance information of each user in the identity area in advance, and corresponding insurance types of the insurance information of each user;
Step Z2: extracting medical claim information corresponding to each insurance type from a historical insurance claim database, and obtaining the diagnosis feature information from the medical claim information and the insurance types through a cross verification model;
Step Z3: counting the insurance matching degree and the medical claim ratio degree of the visit characteristic information, wherein the insurance matching degree is used for representing the number of times of the existence of the claim of different insurance types in the historical claim settlement process, and the medical claim ratio degree is used for representing the proportion of the existence of the claim of different insurance types in the historical claim settlement process;
step Z4: and storing the diagnosis feature information, corresponding to the diagnosis feature information, of which any one of the insurance matching degree and the medical claim ratio degree is larger than a preset focus feature threshold value in a medical claim prediction list, and confirming a claim prediction value of the diagnosis feature information in the corresponding insurance type according to the medical claim prediction list.
It should be noted that: according to the method, the system information can be automatically obtained only by the fact that identity authentication is achieved on the system platform by the user, the items of the claims can be achieved in the purchased insurance products by the aid of the analysis method carried by the system, on one hand, the accurate information can avoid unnecessary manual checking and verification steps, so that the checking speed is improved, on the other hand, in the later claim settlement process, actual data of the claims are known more clearly, the accuracy of the current analysis method is verified repeatedly according to the actual data, the user can see the claim list of personal insurance more transparently, and to a certain extent, appropriate loan products can be selected according to specific requirements and conditions of borrowers, and unnecessary time delay and complicated processes can be reduced. The appropriate loan product can reduce the decision time in the approval process, thereby improving the viscosity of the user.
The wind control evaluation module is used for acquiring a historical case chain of the user, acquiring the medical request message and the diagnosis feature information of the user based on the historical case chain, carrying out statistics on the diagnosis feature information and the corresponding claim settlement predicted value to acquire a preliminary wind control evaluation value, and transmitting the preliminary wind control evaluation value to the signing binding module;
in a preferred embodiment, the acquiring logic of the preliminary wind control evaluation value is:
based on the time stamp, carrying out data grouping on the corresponding diagnosis feature information in the historical case chain of the user, and calculating a weighted hash value corresponding to the medical request message by utilizing a hash algorithm and the weight value of each diagnosis feature information;
comparing weighted hash values corresponding to all medical request messages, merging two medical request messages with Hamming distances between the hash values smaller than a preset Hamming threshold value into the same similar medical request data set, and merging the medical request messages into a new medical request message;
Feeding back a new medical request message to the user side, and updating the medical request message after the user agrees to the authorization; directly calling the diagnosis characteristic information in the medical claim forecast list and the corresponding claim forecast value according to the medical request message,
And obtaining the preliminary wind control evaluation value through mathematical statistics on the diagnosis feature information and the corresponding claim settlement evaluation value.
It should be noted that: the time stamp and the hash algorithm are used for better knowing the historical health condition and disease development of the user, and basic data is provided for subsequent wind control evaluation. The complex case information is simplified into a comparable numerical value by utilizing a hash algorithm, so that cases with similar characteristics are classified into the same group, similar medical request data sets are found, similar case information is combined, data redundancy is reduced, processing efficiency is improved, the medical request information is updated after the user agrees to authorization in the analysis process, the authenticity and accuracy of the data are ensured, and related information can be corrected or supplemented in time. This provides an important reference for statistics and computation of the predicted values of subsequent claims.
Therefore, the risk assessment efficiency and accuracy in the loan application approval process can be improved, and the credit risk of the user can be assessed more intelligently and scientifically, so that a more intelligent loan decision can be made.
The signing binding module is used for authorizing signing between a user and the platform, perfecting the identity information of the user, wherein the identity information also comprises financial card information, and binding the perfected identity information and the preliminary wind control evaluation value to generate loan application information approved by a card-holding financial institution;
It should be noted that: the card-holding financial institution provides credit loan service and online payment entrusting and deducting service for clients who sign up with the service platform and apply for credit medical service.
The user applies for medical health loans to the card-holding financial institution through the loan application information, the card-holding financial institution distributes loan amount based on the loan application information and combined with the policy of the card-holding financial institution, meanwhile, the user agrees to authorize the card-holding financial institution to pay the credit fee to a designated account, the designated account is a platform supervision account, the platform supervision account is an account of which the current account is monitored by a platform, and the platform can monitor the fund trend and the limit of the amount of the account; the card-holding financial institution reports the appointed authorization and account use between the platform supervision account and the user to the China people's bank;
The subscription-based binding module allows the user to conduct authorized subscription with the platform, which is an important link in the loan flow, through subscription, the user confirms the relevant terms and conditions of the application of the agreement loan, and the authorization platform conducts necessary operations, such as obtaining the identity information of the user, the information of the financial card and the like. And binding with the preliminary wind control evaluation value to generate loan application information approved by the card-holding financial institution. This helps to increase the efficiency and accuracy of loan application, reduce the risk of loan, and create a safe and reliable loan environment for users and card-holding financial institutions.
And the payment configuration module is used for receiving loan amount data fed back by the card-holding financial institution, and reallocating the loan amount data according to the medical request message to realize user payment data in different dimensions.
It should be noted that: the payment channel is combined with the technologies of marking, two-dimension code, internet payment and the like, an acceptance network paved by the payment channel is multiplexed, a service platform is supported to realize mobile, online and scene payment settlement, and a marked account is designated by the platform for payment; the user payment data comprises the configuration modes of the upper limit of the payment amount supporting different dimensions such as daily, weekly, monthly, quarterly, annual, secondary, total and the like, the effective period of the amount can be limited, and the configuration of the amount of a certain time period and special holidays can be self-defined; all users in the project can be uniformly configured according to the project, and the configuration is also supported one by one according to the dimension of the users; and support combined payments.
In a preferred embodiment, the allocating manner of reallocating the loan amount data according to the medical request message is as follows:
The medical request message comprises at least one medical monitoring task, the medical monitoring task customizes a corresponding monitoring treatment ordering table according to the user requirement, and the monitoring treatment ordering table distributes and assigns the medical monitoring task to generate a loan distribution scheme;
acquiring corresponding segment monitoring information for the actual application scene of each medical monitoring task, acquiring monitoring difference information corresponding to the current time stamp based on the segment monitoring information, and displaying the monitoring difference information in the form of a time progress bar;
when the number of times of the monitoring difference information appearing in the time progress bar within the preset time exceeds the normal standard, the monitoring difference information within the time period is fed back to the C user side, the user is reminded of updating the loan allocation scheme, and the loan allocation scheme is stored in the historical loan allocation data corresponding to the identity area.
It should be noted that: obtaining a preliminary wind control evaluation value of the current user based on the medical request message of the user in a preliminary wind control module, wherein the preliminary wind control evaluation value is used for claiming and evaluating loans; on the other hand, for the user, the medical treatment request message can directly feed back the treatment requirement of the current user, so that after the loan amount data of the card-holding financial institution is obtained, the allocation mode of the loan amount is dynamically adjusted to ensure reasonable utilization of resources, therefore, a plurality of medical monitoring tasks are set for the actual treatment process, the whole allocation flow is checked through the medical monitoring tasks in real time and transparent, and the medical monitoring tasks are displayed in the form of a time progress bar, so that related personnel can intuitively know the execution state of the tasks and any potential problems, and the follow-up inquiry and analysis are convenient.
In a preferred embodiment, the means for reminding the user to update the loan allocation scheme is:
Setting a treatment cost threshold value of each medical monitoring task according to priori knowledge in advance, and screening out medical monitoring tasks with treatment cost smaller than the treatment cost threshold value; it will be appreciated that there may be a treatment cost overestimate for the remaining medical monitoring tasks;
in the rest medical monitoring tasks, sequencing the treatment cost of the users from high to low, sequentially sending the user name, the corresponding user treatment scheme and the treatment cost to the C user side in real time for visual display and early warning prompt; it can be understood that the sorting is the super-budget sorting of real-time treatment of the user, and the higher the treatment super-budget of the user is, the better the user is helped to distribute the loan amount and better control the loan data through the sorting table, and the timely repayment is realized.
It should be noted that: the user can intuitively know the treatment cost of each medical monitoring task, and carries out priority adjustment and optimization of treatment schemes according to the sequencing result, so that the user is assisted to better distribute the loan amount, the situation that the treatment cost exceeds the budget is avoided, and timely repayment of the loan is ensured.
Example 2
Referring to fig. 2, the embodiment is not described in detail, but is provided with a method for credit-based credit authorization and enterprise account fast approval, which includes the following steps:
The method is used for collecting identity information of the user end C and user insurance information of the merchant end B in advance;
Carrying out identity matching on the identity information and the user information corresponding to the user insurance information, storing the user information subjected to the identity matching in a corresponding identity area, and associating the identity area with the corresponding user insurance information;
Analyzing the insurance types corresponding to the insurance information of each user, extracting the medical claim information corresponding to each insurance type from a historical insurance claim database, and further confirming the claim pre-evaluation value of the diagnosis feature information in the corresponding insurance type based on the medical claim information;
Acquiring a historical case chain of a user, acquiring the medical request message and the diagnosis feature information of the user based on the historical case chain, and carrying out statistics on the diagnosis feature information and the corresponding claim settlement predicted value to acquire a preliminary wind control evaluation value;
The user signs up with the platform in an authorized way, the identity information of the user is perfected, the identity information also comprises financial card information, and the perfected identity information and the preliminary wind control evaluation value are bound to generate loan application information approved by a card-holding financial institution;
And receiving loan amount data fed back by the card-holding financial institution, and reallocating the loan amount data according to the medical request message to realize user payment data in different dimensions.
As a preferable scheme of the invention, the identity information is the identity characteristic information of each user at the C user side; the identity characteristic information comprises a user name and characteristic data corresponding to the user name; the feature data includes, but is not limited to, digital authentication information and biometric information;
the user insurance information is insurance information purchased by the user at the merchant terminal B.
As a preferred scheme of the invention, the identity matching mode of the user information corresponding to the identity information and the user insurance information is as follows:
Step Y1: comparing and analyzing the user information corresponding to the user insurance information based on at least one verification mode in the user identity information, outputting a first verification result if the identity information is matched with the user information corresponding to the user insurance information, executing a step Y2, and re-operating the step Y1 if the identity information is not matched with the user information corresponding to the user insurance information, and continuing to verify until the first verification result is obtained;
Step Y2: under the condition that the first verification result is determined, acquiring a current user position, verifying the current user position, the user position verified last time and the resident address, if the current user position passes through the verification, outputting a second verification result, executing a step Y3, if the current user position does not pass through the verification, re-operating the step Y1, and continuing to verify until the second verification result is obtained;
step Y3: comparing and analyzing according to the encryption mode and the decrypted data fed back by the user, outputting a third verification result if the decrypted data fed back by the user is correct, executing the step Y4, and re-operating the step Y1 if the decrypted data fed back by the user is incorrect, and continuing to verify until the third verification result is obtained;
step Y4: the user logs in and accesses corresponding user insurance information through identity information trust, and stores the user information with matched identities in corresponding identity areas, wherein the identity areas are identity storage units configured by block chains, and the identity areas are associated with the corresponding user insurance information.
As a preferred embodiment of the present invention, the logic for obtaining the claim predicted value of the confirmed visit characteristic information in the corresponding insurance type is:
step Z1: collecting insurance information of each user in the identity area in advance, and corresponding insurance types of the insurance information of each user;
Step Z2: extracting medical claim information corresponding to each insurance type from a historical insurance claim database, and obtaining the diagnosis feature information from the medical claim information and the insurance types through a cross verification model;
Step Z3: counting the insurance matching degree and the medical claim ratio degree of the visit characteristic information, wherein the insurance matching degree is used for representing the number of times of the existence of the claim of different insurance types in the historical claim settlement process, and the medical claim ratio degree is used for representing the proportion of the existence of the claim of different insurance types in the historical claim settlement process;
step Z4: and storing the diagnosis feature information, corresponding to the diagnosis feature information, of which any one of the insurance matching degree and the medical claim ratio degree is larger than a preset focus feature threshold value in a medical claim prediction list, and confirming a claim prediction value of the diagnosis feature information in the corresponding insurance type according to the medical claim prediction list.
As a preferred embodiment of the present invention, the acquiring logic of the preliminary wind control evaluation value is:
based on the time stamp, carrying out data grouping on the corresponding diagnosis feature information in the historical case chain of the user, and calculating a weighted hash value corresponding to the medical request message by utilizing a hash algorithm and the weight value of each diagnosis feature information;
comparing weighted hash values corresponding to all medical request messages, merging two medical request messages with Hamming distances between the hash values smaller than a preset Hamming threshold value into the same similar medical request data set, and merging the medical request messages into a new medical request message;
Feeding back a new medical request message to the user side, and updating the medical request message after the user agrees to the authorization; directly calling the diagnosis characteristic information in the medical claim forecast list and the corresponding claim forecast value according to the medical request message,
And obtaining the preliminary wind control evaluation value through mathematical statistics on the diagnosis feature information and the corresponding claim settlement evaluation value.
As a preferable scheme of the invention, the allocation mode of reallocating the loan amount data according to the medical request message is as follows:
The medical request message comprises at least one medical monitoring task, the medical monitoring task customizes a corresponding monitoring treatment ordering table according to the user requirement, and the monitoring treatment ordering table distributes and assigns the medical monitoring task to generate a loan distribution scheme;
acquiring corresponding segment monitoring information for the actual application scene of each medical monitoring task, acquiring monitoring difference information corresponding to the current time stamp based on the segment monitoring information, and displaying the monitoring difference information in the form of a time progress bar;
when the number of times of the monitoring difference information appearing in the time progress bar within the preset time exceeds the normal standard, the monitoring difference information within the time period is fed back to the C user side, the user is reminded of updating the loan allocation scheme, and the loan allocation scheme is stored in the historical loan allocation data corresponding to the identity area.
As a preferred scheme of the invention, the mode for reminding the user to update the loan allocation scheme is as follows:
Setting a treatment cost threshold value of each medical monitoring task according to priori knowledge in advance, and screening out medical monitoring tasks with treatment cost smaller than the treatment cost threshold value; it will be appreciated that there may be a treatment cost overestimate for the remaining medical monitoring tasks;
And in the rest medical monitoring tasks, sequencing the treatment cost of the users from high to low, sequentially sending the user name, the corresponding treatment scheme of the users and the treatment cost to the C user side in real time for visual display, and carrying out early warning prompt.
Example 3
An electronic device is shown according to an exemplary embodiment, comprising: a processor and a memory, wherein the memory stores a computer program for the processor to call;
The processor executes the credit-based credit granting and enterprise account fast approval method by calling the computer program stored in the memory.
Fig. 4 is a schematic structural diagram of an electronic device provided in an embodiment of the present application, where the electronic device may have a relatively large difference due to different configurations or performances, and may include one or more processors (Central Processing Units, CPU) and one or more memories, where at least one computer program is stored in the memories, and the at least one computer program is loaded and executed by the processors to implement a credit-based credit granting and enterprise account fast approval method provided in the foregoing method embodiments.
The electronic device can also include other components for implementing the functions of the device, for example, the electronic device can also have a wired or wireless network interface, an input-output interface, and the like, for input-output. The embodiments of the present application are not described herein.
Example 4
A computer readable storage medium having stored thereon a computer program that is erasable according to an exemplary embodiment is shown;
When the computer program runs on the computer equipment, the computer equipment is caused to execute the credit granting and enterprise account fast approval method.
In an exemplary embodiment, a computer readable storage medium, such as a memory, comprising at least one computer program executable by a processor to perform one of the credit-based trust and enterprise account fast approval methods of the above embodiments is also provided. For example, the computer readable storage medium can be Read-Only Memory (ROM), random access Memory (Random Access Memory, RAM), compact disk Read-Only Memory (Compact Disc Read-Only Memory, CD-ROM), magnetic tape, floppy disk, optical data storage device, and the like.
It should be understood that, in various embodiments of the present application, the sequence numbers of the foregoing processes do not mean the order of execution, and the order of execution of the processes should be determined by the functions and internal logic thereof, and should not constitute any limitation on the implementation process of the embodiments of the present application.
It should be understood that determining B from a does not mean determining B from a alone, but can also determine B from a and/or other information.
The above embodiments are only for illustrating the technical method of the present invention and not for limiting the same, and it should be understood by those skilled in the art that the technical method of the present invention may be modified or substituted without departing from the spirit and scope of the technical method of the present invention.
Claims (10)
1. A credit-based credit giving and enterprise account fast approval method is characterized by comprising the following steps:
The method is used for collecting identity information of the user end C and user insurance information of the merchant end B in advance;
Carrying out identity matching on the identity information and the user information corresponding to the user insurance information, storing the user information subjected to the identity matching in a corresponding identity area, and associating the identity area with the corresponding user insurance information;
Analyzing the insurance types corresponding to the insurance information of each user, extracting the medical claim information corresponding to each insurance type from a historical insurance claim database, and further confirming the claim pre-evaluation value of the diagnosis feature information in the corresponding insurance type based on the medical claim information;
Acquiring a historical case chain of a user, acquiring the medical request message and the diagnosis feature information of the user based on the historical case chain, and carrying out statistics on the diagnosis feature information and the corresponding claim settlement predicted value to acquire a preliminary wind control evaluation value;
The user signs up with the platform in an authorized way, the identity information of the user is perfected, the identity information also comprises financial card information, and the perfected identity information and the preliminary wind control evaluation value are bound to generate loan application information approved by a card-holding financial institution;
And receiving loan amount data fed back by the card-holding financial institution, and reallocating the loan amount data according to the medical request message to realize user payment data in different dimensions.
2. The method for quickly examining and approving the account based on credit trust and enterprise according to claim 1, wherein the identity information is the identity characteristic information of each user at the C user side; the identity characteristic information comprises a user name and characteristic data corresponding to the user name; the feature data includes, but is not limited to, digital authentication information and biometric information;
the user insurance information is insurance information purchased by the user at the merchant terminal B.
3. The method for quickly examining and approving the account based on credit trust and enterprise according to claim 2, wherein the identity matching of the identity information and the user information corresponding to the user insurance information is as follows:
Step Y1: comparing and analyzing the user information corresponding to the user insurance information based on at least one verification mode in the user identity information, outputting a first verification result if the identity information is matched with the user information corresponding to the user insurance information, executing a step Y2, and re-operating the step Y1 if the identity information is not matched with the user information corresponding to the user insurance information, and continuing to verify until the first verification result is obtained;
Step Y2: under the condition that the first verification result is determined, acquiring a current user position, verifying the current user position, the user position verified last time and the resident address, if the current user position passes through the verification, outputting a second verification result, executing a step Y3, if the current user position does not pass through the verification, re-operating the step Y1, and continuing to verify until the second verification result is obtained;
step Y3: comparing and analyzing according to the encryption mode and the decrypted data fed back by the user, outputting a third verification result if the decrypted data fed back by the user is correct, executing the step Y4, and re-operating the step Y1 if the decrypted data fed back by the user is incorrect, and continuing to verify until the third verification result is obtained;
step Y4: the user logs in and accesses corresponding user insurance information through identity information trust, and stores the user information with matched identities in corresponding identity areas, wherein the identity areas are identity storage units configured by block chains, and the identity areas are associated with the corresponding user insurance information.
4. The method for quickly approving an account of an enterprise based on credit authorization and according to claim 3, wherein the logic for obtaining the claim pre-evaluation value of the confirmed diagnosis feature information in the corresponding insurance type is:
step Z1: collecting insurance information of each user in the identity area in advance, and corresponding insurance types of the insurance information of each user;
Step Z2: extracting medical claim information corresponding to each insurance type from a historical insurance claim database, and obtaining the diagnosis feature information from the medical claim information and the insurance types through a cross verification model;
Step Z3: counting the insurance matching degree and the medical claim ratio degree of the visit characteristic information, wherein the insurance matching degree is used for representing the number of times of the existence of the claim of different insurance types in the historical claim settlement process, and the medical claim ratio degree is used for representing the proportion of the existence of the claim of different insurance types in the historical claim settlement process;
step Z4: and storing the diagnosis feature information, corresponding to the diagnosis feature information, of which any one of the insurance matching degree and the medical claim ratio degree is larger than a preset focus feature threshold value in a medical claim prediction list, and confirming a claim prediction value of the diagnosis feature information in the corresponding insurance type according to the medical claim prediction list.
5. The method for quickly approving an account of an enterprise based on credit granting and according to claim 4, wherein the obtaining logic of the preliminary wind control evaluation value is:
based on the time stamp, carrying out data grouping on the corresponding diagnosis feature information in the historical case chain of the user, and calculating a weighted hash value corresponding to the medical request message by utilizing a hash algorithm and the weight value of each diagnosis feature information;
comparing weighted hash values corresponding to all medical request messages, merging two medical request messages with Hamming distances between the hash values smaller than a preset Hamming threshold value into the same similar medical request data set, and merging the medical request messages into a new medical request message;
Feeding back a new medical request message to the user side, and updating the medical request message after the user agrees to the authorization; directly calling the diagnosis characteristic information in the medical claim forecast list and the corresponding claim forecast value according to the medical request message,
And obtaining the preliminary wind control evaluation value through mathematical statistics on the diagnosis feature information and the corresponding claim settlement evaluation value.
6. The method for quickly approving an account of an enterprise based on credit granting according to claim 5, wherein the allocation manner of reallocating the loan amount data according to the medical request message is as follows:
The medical request message comprises at least one medical monitoring task, the medical monitoring task customizes a corresponding monitoring treatment ordering table according to the user requirement, and the monitoring treatment ordering table distributes and assigns the medical monitoring task to generate a loan distribution scheme;
acquiring corresponding segment monitoring information for the actual application scene of each medical monitoring task, acquiring monitoring difference information corresponding to the current time stamp based on the segment monitoring information, and displaying the monitoring difference information in the form of a time progress bar;
when the number of times of the monitoring difference information appearing in the time progress bar within the preset time exceeds the normal standard, the monitoring difference information within the time period is fed back to the C user side, the user is reminded of updating the loan allocation scheme, and the loan allocation scheme is stored in the historical loan allocation data corresponding to the identity area.
7. The method for quickly approving an account based on credit authorization and enterprise according to claim 6, wherein the method for reminding the user to update the loan allocation scheme is as follows:
Setting a treatment cost threshold value of each medical monitoring task according to priori knowledge in advance, and screening out medical monitoring tasks with treatment cost smaller than the treatment cost threshold value; it will be appreciated that there may be a treatment cost overestimate for the remaining medical monitoring tasks;
And in the rest medical monitoring tasks, sequencing the treatment cost of the users from high to low, sequentially sending the user name, the corresponding treatment scheme of the users and the treatment cost to the C user side in real time for visual display, and carrying out early warning prompt.
8. A credit-based and enterprise account rapid approval system, based on the realization of the credit-based and enterprise account rapid approval method as set forth in any one of claims 1-7, characterized by comprising an information collection module, an identity matching module, a preliminary wind control module, a wind control evaluation module, a subscription binding module and a payment configuration module;
The information collection module is used for collecting the identity information of the C user end and the user insurance information of the B merchant end in advance and sending the identity information of the C user end and the user insurance information of the B merchant end to the identity matching module;
The identity matching module is used for carrying out identity matching on the user information corresponding to the identity information and the user insurance information, storing the user information subjected to the identity matching in a corresponding identity area, associating the identity area with the corresponding user insurance information, and sending the corresponding relation between the identity information and the user insurance information to the preliminary wind control module;
The preliminary wind control module is used for analyzing the insurance types corresponding to the insurance information of each user, extracting the medical claim information corresponding to each insurance type from the historical insurance claim database, further confirming the claim pre-evaluation value of the diagnosis feature information in the corresponding insurance type based on the medical claim information, and sending the claim pre-evaluation value to the wind control evaluation module;
The wind control evaluation module is used for acquiring a historical case chain of the user, acquiring the medical request message and the diagnosis feature information of the user based on the historical case chain, carrying out statistics on the diagnosis feature information and the corresponding claim settlement predicted value to acquire a preliminary wind control evaluation value, and transmitting the preliminary wind control evaluation value to the signing binding module;
the signing binding module is used for authorizing signing between a user and the platform, perfecting the identity information of the user, wherein the identity information also comprises financial card information, and binding the perfected identity information and the preliminary wind control evaluation value to generate loan application information approved by a card-holding financial institution;
And the payment configuration module is used for receiving loan amount data fed back by the card-holding financial institution, and reallocating the loan amount data according to the medical request message to realize user payment data in different dimensions.
9. An electronic device, comprising: a processor and a memory, wherein the memory stores a computer program for the processor to call;
The processor performs a credit-based trust and enterprise account rapid approval method as claimed in any one of claims 1 to 7 by invoking a computer program stored in the memory.
10. A computer-readable storage medium, characterized by: instructions stored thereon which, when executed on a computer, cause the computer to perform a credit-based trust and enterprise account rapid approval method as claimed in any one of claims 1 to 7.
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Country or region after: China Address after: Floor 12, No. 380, Fenglin Road, Xuhui District, Shanghai 200032 Applicant after: Shanghai Maxin Health Technology Group Co.,Ltd. Address before: Floor 12, No. 380, Fenglin Road, Xuhui District, Shanghai 200032 Applicant before: Shanghai Maxin Health Technology Co.,Ltd. Country or region before: China |