在下面的描述中闡述了很多具體細節以便於充分理解本發明。但是本發明能夠以很多不同於在此描述的其它方式來實施,本領域技術人員可以在不違背本發明內涵的情況下做類似推廣,因此本發明不受下面揭示的具體實施的限制。
在本說明書一個或多個實施例中使用的術語是僅僅出於描述特定實施例的目的,而非旨在限制本說明書一個或多個實施例。在本說明書一個或多個實施例和所附申請專利範圍中所使用的單數形式的“一種”、“所述”和“該”也旨在包括多數形式,除非上下文清楚地表示其他含義。還應當理解,本說明書一個或多個實施例中使用的術語“和/或”是指並包含一個或多個相關聯的列出專案的任何或所有可能組合。
應當理解,儘管在本說明書一個或多個實施例中可能採用術語第一、第二等來描述各種資訊,但這些資訊不應限於這些術語。這些術語僅用來將同一類型的資訊彼此區分開。例如,在不脫離本說明書一個或多個實施例範圍的情況下,第一也可以被稱為第二,類似地,第二也可以被稱為第一。取決於語境,如在此所使用的詞語“如果”可以被解釋成為“在……時”或“當……時”或“回應於確定”。
本發明提供一種資訊核查方法,本發明還提供一種資訊核查裝置,一種計算設備,以及一種電腦可讀儲存媒體。以下分別結合本發明提供的實施例的圖式逐一進行詳細說明,並且對方法的各個步驟進行說明。
本發明提供的一種資訊核查方法實施例如下:
參照圖式1,其顯示本實施例提供的一種資訊核查方法處理流程圖,參照圖式2,其顯示本發明實施例提供的一種健康告知過程的處理流程圖。
步驟S102,獲取在資訊核查所需核查資訊庫中選擇的待核查資訊。
本發明實施例所述資訊核查,包括在互助共濟項目中,對申請參與互助共濟專案的參與者進行資訊核查,如果參與者在資訊核查環節的核查結果為核查通過,則允許該參與者參與到互助共濟專案中。所述互助共濟項目包括保險,比如重疾險、醫療險、護理險以及意外傷害險等健康險種。對應地,參與所述互助共濟專案過程中進行的資訊核查,包括健康險的投保人在參與購險的過程中進行的健康告知。
本發明實施例以投保人參與購買健康險過程中的健康告知為例,對本發明實施例提供的資訊核查方法進行說明。
較佳地,所述資訊核查所需核查資訊庫包括健康告知所需的疾病庫,所述核查資訊庫中的待核查資訊包括健康告知所需疾病庫中的疾病。對應的,下述涉及的資訊告知交互邏輯包括健康告知交互邏輯,所述資訊告知交互邏輯中的資訊告知路徑包括所述健康告知交互邏輯中的健康告知路徑,所述所述資訊告知路徑執行過程中接收到的資訊告知輸入包括所述健康告知路徑執行過程中接收到的健康告知輸入,所述資訊核查的核查結果包括所述健康告知的健康告知結果。
線上購買重疾險、醫療險、護理險以及意外傷害險等健康險種的過程中,保險公司需在核保環節對投保人的健康狀況進行確認告知,投保人完成健康告知的確認後,若核保成功通過,則由保險公司進行承保,投保人健康告知的內容將成為健康險保單的一個組成部分;可見,作為健康險保單的重要組成部分,健康告知成為核保環節的重中之重。
本發明提供的資訊核查方法,在核保環節向投保人健康告知的過程中,從易於用戶(投保人)理解的角度出發,並且在確保投保人隱私的前提下,以疾病、症狀及常見醫學定義來解構健康告知內容,便於投保人依據自身健康情況進行告知,當投保人提供健康特徵資料或授權採集健康特徵資料後,透過系統、簡潔的方式實現智慧化的健康告知處理,從而在核保環節提供更加便捷的健康告知實現方式,同時提升了線上核保、承保的效率及有效性。
本發明實施例提供的一種較佳實施方式中,進行健康告知的前提是用戶(即投保人)在購險之後發起健康告知申請,具體是指在接收投保人的健康告知申請之後,進入健康告知環節。
具體實施時,所述投保人的健康告知申請,可以是投保人為本人購險發起的健康告知申請,還可以是投保人為他購險時發起的健康告知申請,比如投保人為家人購買健康險時發起的健康告知申請;對應地,如果投保人是為本人購險發起的健康告知申請,則進行健康告知是基於投保人自身的健康狀況進行;如果投保人是為他人購險發起的健康告知申請,則進行健康告知是也基於他人的健康狀況進行。
在健康告知過程中,首先獲取投保人在健康告知所需疾病庫中選擇的疾病,其中,所述健康告知所需疾病庫,包含投保人所購買的健康險涉及的所有疾病相關資料的集合,具體在健康告知過程中,需要由投保人結合所述疾病庫,明確投保人在購險時的健康狀況,從而來清晰的劃分投保人在購險之前和購險之後的健康責權。
較佳地,所述健康告知所需疾病庫,採用下述方式構建:
1)根據所述健康告知涉及的健康告知資料以及歷史健康特徵資料產生疾病資料;所述歷史健康特徵資料可以是反應歷史購險用戶群健康狀況的健康特徵資料。
2)確定所述疾病資料對應疾病之間的層級結構關係;
3)基於所述疾病資料和所述層級結構關係構建所述疾病庫。
例如,以健康險當中的重疾險為例,首先需要明確重疾險保障範圍內的疾病種類,包括惡性腫瘤、急性心肌梗塞、腦中風後遺症、重大器官移植術等等,並結合用戶群的健康特徵資料,確定各個疾病種類包含的疾病並梳理疾病內容;進一步,梳理出疾病種類與疾病的從屬關係,以及疾病與疾病內容的對應關係;最後,根據重疾險保障範圍內的疾病種類、各疾病種類包含的疾病、疾病的疾病內容、疾病種類與疾病的從屬關係以及疾病與疾病內容的對應關係,構建結構化的疾病資料庫。
步驟S104,確定所述待核查資訊在資訊告知交互邏輯中對應的資訊告知路徑。
本發明實施例所述健康告知交互邏輯,是指健康告知過程中與投保人進行告知交互的底層邏輯,所述疾病庫中的疾病在健康告知交互邏輯中存在對應的健康告知交路徑,投保人選擇疾病庫中的疾病會觸發健康告知交互邏輯中對應的健康告知交路徑。
下述結合一個實際例子對健康告知交互邏輯和健康告知交路徑進行說明:
針對核保所需的疾病庫中疾病分類A,與疾病分類A下的疾病A1相關的健康告知交互邏輯如下表:
其中,疾病A1相關的健康告知交互邏輯中,包含多個疾病A1的健康告知路徑,下述以兩個健康告知路徑為例進行說明:
健康告知路徑Path 1:疾病分類A下的疾病A1->承保類型“問答”->問題Q1->問題Q1的問題描述“是否存在特殊情況”->投保人否定回答->否定回答處理“承保”;
具體地,投保人選擇疾病分類A下的疾病A1時,第一步觸發承保類型這一節點,承保類型節點的內容為“問答”,第二步觸發問題Q1,向投保人展示問題Q1的問題描述:“是否存在特殊情況”;
投保人在獲知問題Q1的問題描述“是否存在特殊情況”之後,會根據問題描述進行確認,即:針對問題Q1的問題描述輸入或者選擇“是”或者“否”,如果投保人的輸入或者選擇為“否”,第三步觸發問題Q1的否定回答,進行問題Q1的否定回答處理“承保”,最終,健康告知路徑Path 1執行獲得的結果為對投保人的投保申請進行承保處理。
健康告知路徑Path 2:疾病分類A下的疾病A1->承保類型“問答”->問題Q1->問題Q1的問題描述“是否存在特殊情況”->投保人肯定回答->問題Q2->問題Q2的問題描述“是否存在某種症狀”->投保人否定回答->問題Q3->問題Q3的問題描述“特定時間段檢查結果”->投保人否定回答->否定回答處理“拒保”;
具體地,投保人選擇疾病分類A下的疾病A1時,第一步觸發承保類型這一節點,承保類型節點的內容為“問答”,第二步觸發問題Q1,向投保人展示問題Q1的問題描述:“是否存在特殊情況”;
投保人在獲知問題Q1的問題描述“是否存在特殊情況”之後,會根據問題描述進行確認,即:針對問題Q1的問題描述輸入或者選擇“是”或者“否”,如果投保人的輸入或者選擇為“是”,第四步觸發問題Q2,向投保人展示問題Q2的問題描述:“是否存在某種症狀”;
投保人在獲知問題Q2的問題描述“是否存在某種症狀”之後,會根據問題描述進行確認,即:針對問題Q2的問題描述輸入或者選擇“是”或者“否”,如果投保人的輸入或者選擇為“否”,第五步觸發問題Q3,向投保人展示問題Q3的問題描述:“特定時間段檢查結果”;
投保人在獲知問題Q3的問題描述“特定時間段檢查結果”之後,會根據問題描述進行確認,即:針對問題Q3的問題描述輸入或者選擇“是”或者“否”,如果投保人的輸入或者選擇為“否”,則進行問題Q3的否定回答處理“拒保”,可見,健康告知路徑Path 2執行獲得的結果為對投保人的投保申請進行拒保處理。
本發明實施例提供的一種較佳實施方式中,所述健康告知交互邏輯,採用如下方式構建:
1)確定與所述疾病庫中疾病相關的健康告知資料、健康特徵資料以及承保資料;
2)建立所述疾病庫中疾病與所述健康告知資料、所述健康特徵資料以及所述承保資料之間的映射關係和層級關係;
沿用上例,確定疾病分類A與疾病A1的從屬關係(層級關係的一種),疾病A1的承保類型(承保資料的一種)和健康告知結果(承保資料的一種),疾病A1需要投保人告知的問題Q1、問題Q2和問題Q3(健康告知資料),問題Q1、問題Q2和問題Q3之間的執行順序(層級關係的一種),以及上述幾者之間的映射關係以及具體的映射順序。
此外,還包括疾病分類A下疾病A1與投保人的健康特徵資料之間的映射關係以及具體的映射順序,比如疾病A1不存在性別限制,也不存在年齡限制。
3)基於所述映射關係和所述層級關係,構建所述健康告知交互邏輯。
參見上述提供健康告知交互邏輯舉例。
除此之外,在構建所述健康告知交互邏輯時,還可以在確定與所述疾病庫中疾病相關的健康告知資料、健康特徵資料以及承保資料的基礎上,建立所述疾病庫中疾病與所述健康告知資料、所述健康特徵資料以及所述承保資料之間的映射關係,基於建立的映射關係來構建所述健康告知交互邏輯;或者,建立所述疾病庫中疾病與所述健康告知資料、所述健康特徵資料以及所述承保資料之間的層級關係,基於建立的層級關係構建所述健康告知交互邏輯。
較佳地,所述健康告知交互邏輯中的健康告知路徑,採用問答對話模式執行,且所述健康告知路徑包含的告知問題和告知回答具有對應關係;其中,所述健康告知路徑包含的告知問題基於所述映射順序確定,所述健康告知路徑包含的告知回答基於健康告知輸入確定。
本發明實施例提供的一種較佳實施方式中,所述健康告知路徑包含的告知問題及其對應的告知回答,基於告知回答模型確定;具體地,所述告知回答模型採用如下方式進行構建:
根據所述疾病庫中疾病的醫學定義標準、所述疾病庫中疾病對應的所述承保資料中的承保條件、所述健康特徵資料、以及所述承保條件與健康告知結果的映射關係,構建所述告知回答模型。
例如,疾病庫中新增了一種疾病,需要將該新增疾病加入健康告知交互邏輯中,加入過程中需要該新增疾病的問答資料,如:該新增疾病是否存在例外情況、症狀相關資料以及治療相關資料,則可透過將該新增疾病是否存在例外情況、症狀相關資料以及治療相關資料,以及與該新增疾病相關承保資料中的承保條件、投保人的健康特徵資料等所需資料登錄告知回答模型,經告知回答模型對輸入的資料進行分析處理後,輸出該新增疾病的問答資料。透過告知回答模型的方式來產生疾病的問答資料,能有效的降低人為參與的時間成本和人力成本,同時也能提高處理效率。
本發明實施例中,所述健康告知交互邏輯中健康告知路徑的執行過程中,所述告知問題及其對應的告知回答,基於文字的問答對話模式實現。
除此之外,所述告知問題及其對應的告知回答,還可以採用其他能夠實現與投保人實現告知交互的方式實現,比如基於語音的問答對話模式、基於語音圖像問答對話模式或者基於視頻的問答對話模式實現,本實施例對此不做限定。
上述提供的較佳實施方式中,所有投保人均採用同一健康告知交互邏輯進行健康告知的交互處理,除此之外,還可針對每個投保人產生個性化的健康告知交互邏輯,基於個性化的健康告知交互邏輯,在核保環節實現“千人千面”的健康告知,從而向投保人提供更加方便和有效的健康告知。
本發明實施例提供的一種較佳實施方式中,所述健康告知交互邏輯與投保人具有唯一對應關係;基於此,上述確定所述疾病在健康告知交互邏輯中對應的健康告知路徑,具體包括:獲取投保人的健康特徵資料,然後,根據所述投保人的健康特徵資料確定投保人對應的個性化健康告知交互邏輯,最後,確定所述疾病在所述個性化健康告知交互邏輯中的健康告知交互路徑,作為所述疾病對應的健康告知路徑。
較佳地,所述根據所述投保人的健康特徵資料確定投保人對應的個性化健康告知交互邏輯,具體透過將所述投保人的健康特徵資料與預先配置的基準健康告知交互邏輯進行匹配,並提取所述基準健康告知交互邏輯當中與所述健康特徵資料匹配的子交互邏輯,作為投保人對應的個性化健康告知交互邏輯。
比如投保人為男性用戶,只需提取基準健康告知交互邏輯中男性相關的交互邏輯即可,再比如投保人為20歲值30歲這一年齡段的投保人,則只需提取基準健康告知交互邏輯中該年齡段常見疾病的交互邏輯即可。
步驟S106,執行所述資訊告知路徑,以及接收所述資訊告知路徑執行過程中的資訊告知輸入。
上述步驟確定投保人選擇的疾病在健康告知交互邏輯中對應的健康告知路徑,本步驟執行所述健康告知路徑,並接收所述健康告知路徑執行過程中所述投保人的健康告知輸入。
本發明實施例提供的一種較佳實施方式中,執行所述健康告知路徑並接收所述健康告知路徑執行過程中所述投保人的健康告知輸入之後,記錄所述健康告知路徑執行過程中產生的執行過程資料;所述執行過程資料包含所述健康告知路徑和所述健康告知輸入,並基於所述執行過程資料向投保人發起二次健康告知。
較佳地,向投保人發起二次健康告知之後,如果獲取到投保人針對所述二次健康告知的告知確認,則重複執行健康告知的過程,即返回上述步驟S102,從執行上述步驟S102開始,重複執行健康告知的過程。
步驟S108,基於所述資訊告知輸入確定所述資訊告知路徑的執行結果,作為所述資訊核查的核查結果。
上述步驟執行所述健康告知路徑並接收所述健康告知路徑執行過程中所述投保人的健康告知輸入,本步驟基於所述投保人在健康告知過程中針對所述健康告知路徑的健康告知輸入,確定所述健康告知路徑的執行結果,並將所述健康告知路徑的執行結果作為所述健康告知的健康告知結果。
具體地,針對投保人發起的健康告知申請進行健康告知的健康告知結果具體有三種:可承保、責外承保和拒保。具體地,若健康告知結果為拒保,則發出對應拒保提醒即可;若所述健康告知結果為可承保,產生所述健康告知申請對應的健康告知詳情,還可在健康告知詳情的基礎上進一步產生投保人購買健康險的保單,產生的保單攜帶有所述健康告知詳情和承保資訊;若所述健康告知結果為責外承保,產生所述健康告知申請對應的健康告知詳情,同樣可在健康告知詳情的基礎上進一步產生投保人購買健康險的保單,產生的保單攜帶有所述健康告知詳情和責外承保資訊。
下述結合圖式2提供的健康告知過程,對本發明提供的資訊核查方法進行進一步說明:
步驟S202,接收投保人的健康告知申請,並確定該健康告知申請是投保人為本人購險發起的健康告知申請,還是投保人為家人購險時發起的健康告知申請。
步驟S204,進入健康告知處理,如果投保人是為本人購險發起的健康告知申請,則進行健康告知是基於投保人自身的健康狀況進行;如果投保人是為他人購險發起的健康告知申請,則進行健康告知是也基於他人的健康狀況進行。
步驟S206,確定投保人在健康告知所需疾病庫中選擇的疾病分類A下的疾病A1。
步驟S208,確定疾病分類A下的疾病A1健康告知交互邏輯中對應的健康告知路徑。
(參見上述步驟S104對健康告知路徑的描述)
步驟S210,執行疾病A1在健康告知交互邏輯中對應的健康告知路徑。
步驟S212,記錄疾病A1對應的健康告知路徑執行過程中產生的執行過程資料。
步驟S214,每次健康告知完成後,將記錄的執行過程資料回溯給投保人,以便投保人二次健康告知;如果投保人選擇進行二次健康告知,則返回執行上述步驟S206;如果投保人選擇不進行二次健康告知,則執行步驟S216,儲存健康告知結果。
步驟S216,儲存上述投保人發起的健康告知申請對應的健康告知結果。
步驟S218,若所述健康告知結果為可承保,產生所述健康告知申請對應的健康告知詳情,還可在健康告知詳情的基礎上進一步產生投保人購買健康險的保單,產生的保單攜帶有所述健康告知詳情和承保資訊;
若所述健康告知結果為責外承保,產生所述健康告知申請對應的健康告知詳情,同樣可在健康告知詳情的基礎上進一步產生投保人購買健康險的保單,產生的保單攜帶有所述健康告知詳情和責外承保資訊;
若健康告知結果為拒保,則發出對應拒保提醒即可。
綜上所述,本發明提供的資訊核查方法,在核保環節向投保人健康告知的過程中,從易於投保人理解的角度出發,基於投保人在健康告知所需疾病庫中選擇的疾病,確定所述疾病在健康告知交互邏輯中對應的健康告知路徑並執行,同時根據在執行過程中投保人的健康告知輸入來確定健康告知結果,透過系統、簡潔的方式實現智慧化的健康告知處理,從而在核保環節提供更加便捷的健康告知實現方式,同時提升了線上核保、承保的效率及有效性。
本發明提供的一種資訊核查裝置實施例如下:
在上述的實施例中,提供了一種資訊核查方法,與之相對應的,本發明還提供了一種資訊核查裝置,下面結合圖式進行說明。
參照圖式3,其顯示本發明提供的一種資訊核查裝置實施例的示意圖。
由於裝置實施例基本相似於方法實施例,所以描述得比較簡單,相關的部分請參見上述提供的方法實施例的對應說明即可。下述描述的裝置實施例僅僅是示意性的。
本發明提供一種資訊核查裝置,包括:
待核查資訊選擇單元302,被配置為獲取在資訊核查所需核查資訊庫中選擇的待核查資訊;
資訊告知路徑確定單元304,被配置為確定所述待核查資訊在資訊告知交互邏輯中對應的資訊告知路徑;
資訊告知路徑執行單元306,被配置為執行所述資訊告知路徑,以及接收所述資訊告知路徑執行過程中的資訊告知輸入;
核查結果確定單元308,被配置為基於所述資訊告知輸入確定所述資訊告知路徑的執行結果,作為所述資訊核查的核查結果。
可選地,所述資訊核查包括:健康告知;
所述核查資訊庫包括:疾病庫;
所述待核查資訊包括:所述疾病庫中的疾病;
所述資訊告知交互邏輯包括:健康告知交互邏輯;
所述資訊告知交互邏輯中的資訊告知路徑包括:所述健康告知交互邏輯中的健康告知路徑;
所述資訊告知輸入包括:健康告知輸入;
所述資訊核查的核查結果包括:所述健康告知的健康告知結果。
可選地,所述資訊核查裝置包括:
疾病選擇單元,被配置為獲取在健康告知所需疾病庫中選擇的疾病;
健康告知路徑確定單元,被配置為確定所述疾病在健康告知交互邏輯中對應的健康告知路徑;
健康告知路徑執行單元,被配置為執行所述健康告知路徑,以及接收所述健康告知路徑執行過程中的健康告知輸入;
健康告知結果確定單元,被配置為基於所述健康告知輸入確定所述健康告知路徑的執行結果,作為所述健康告知的健康告知結果。
可選地,所述資訊核查裝置,還包括:
健康告知申請接收單元,被配置為接收健康告知申請;
健康告知詳情產生單元,被配置為根據所述健康告知結果產生所述健康告知申請對應的健康告知詳情。
可選地,所述資訊核查裝置,還包括:
執行過程資料記錄單元,被配置為記錄所述健康告知路徑執行過程中產生的執行過程資料;所述執行過程資料包含所述健康告知路徑和所述健康告知輸入;
二次健康告知發起單元,被配置為基於所述執行過程資料發起二次健康告知。
可選地,所述二次健康告知發起單元,具體用於獲取針對所述二次健康告知的告知確認,並執行所述疾病選擇單元。
可選地,所述健康告知所需疾病庫,採用下述方式構建:
根據所述健康告知涉及的健康告知資料以及歷史健康特徵資料產生疾病資料;
確定所述疾病資料對應疾病之間的層級結構關係;
基於所述疾病資料和所述層級結構關係構建所述疾病庫。
可選地,所述健康告知交互邏輯,採用如下方式構建:
確定與所述疾病庫中疾病相關的健康告知資料、健康特徵資料以及承保資料;
建立所述疾病庫中疾病與所述健康告知資料、所述健康特徵資料以及所述承保資料之間的映射關係和/或層級關係;
基於所述映射關係和/或所述層級關係,構建所述健康告知交互邏輯。
可選地,所述健康告知交互邏輯中健康告知路徑,採用問答對話模式執行,且所述健康告知路徑包含的告知問題和告知回答具有對應關係;
其中,所述健康告知路徑包含的告知問題基於所述映射順序確定,所述健康告知路徑包含的告知回答基於健康告知輸入確定。
可選地,所述健康告知路徑包含的告知問題及其對應的告知回答,基於告知回答模型確定;
其中,所述告知回答模型採用如下方式進行構建:
根據所述疾病庫中疾病的醫學定義標準、所述疾病庫中疾病對應的所述承保資料中的承保條件、所述健康特徵資料、以及所述承保條件與健康告知結果的映射關係,構建所述告知回答模型。
可選地,所述健康告知交互邏輯中健康告知路徑的執行過程中,所述告知問題及其對應的告知回答,採用下述至少一種方式實現與投保人的告知交互:
基於文字的問答交互、基於語音的問答交互、基於語音圖像問答交互和基於視頻的問答交互。
可選地,所述健康告知交互邏輯,與投保人具有唯一對應關係;
所述健康告知路徑確定單元,包括:
健康特徵資料獲取子單元,被配置為獲取所述投保人的健康特徵資料;
個性化健康告知交互邏輯確定子單元,被配置為根據所述投保人的健康特徵資料確定所述投保人對應的個性化健康告知交互邏輯;
健康告知路徑確定子單元,被配置為確定所述疾病在所述個性化健康告知交互邏輯中的健康告知交互路徑,作為所述疾病對應的健康告知路徑。
可選地,所述個性化健康告知交互邏輯確定子單元,包括:
匹配子單元,被配置為將所述投保人的健康特徵資料與預先配置的基準健康告知交互邏輯進行匹配;
提取子單元,被配置為提取所述基準健康告知交互邏輯當中與所述健康特徵資料匹配的子交互邏輯,作為所述投保人對應的個性化健康告知交互邏輯。
本發明提供的一種計算設備實施例如下:
圖4是顯示根據本說明書一實施例的計算設備400的結構方塊圖。該計算設備400的部件包括但不限於記憶體410和處理器420。處理器420與記憶體410透過匯流排430相連接,資料庫450用於保存資料。
計算設備400還包括存取設備440,存取設備440使得計算設備400能夠經由一個或多個網路460通訊。這些網路的示例包括公用交換電話網路(PSTN)、區域網路(LAN)、廣域網路(WAN)、個人區域網路(PAN)或諸如網際網路的通訊網路的組合。存取設備440可以包括有線或無線的任何類型的網路介面(例如,網路介面卡(NIC))中的一個或多個,諸如IEEE802.11無線區域網路(WLAN)無線介面、全球微波互通存取(Wi-MAX)介面、乙太網路介面、通用序列匯流排(USB)介面、蜂巢式網路介面、藍牙介面、近場通訊(NFC)介面,等等。
在本說明書的一個實施例中,計算設備400的上述以及圖4中未示出的其他部件也可以彼此相連接,例如透過匯流排。應當理解,圖4所示的計算設備結構方塊圖僅僅是出於示例的目的,而不是對本說明書範圍的限制。本領域技術人員可以根據需要,增添或替換其他部件。
計算設備400可以是任何類型的靜止或行動計算裝置,包括行動電腦或行動計算裝置(例如,平板電腦、個人數位助理、膝上型電腦、筆記型電腦、小筆電等)、行動電話(例如,智慧型手機)、可佩戴的計算設備(例如,智慧型手錶、智慧型眼鏡等)或其他類型的行動設備,或者諸如桌上型電腦或PC的靜止計算設備。計算設備400還可以是移動式或靜止式的伺服器。
本發明提供一種計算設備,包括記憶體410、處理器420及儲存在記憶體上並可在處理器上運行的電腦指令,所述處理器410用於執行如下電腦可執行指令:
獲取在資訊核查所需核查資訊庫中選擇的待核查資訊;
確定所述待核查資訊在資訊告知交互邏輯中對應的資訊告知路徑;
執行所述資訊告知路徑,以及接收所述資訊告知路徑執行過程中的資訊告知輸入;
基於所述資訊告知輸入確定所述資訊告知路徑的執行結果,作為所述資訊核查的核查結果。
可選地,所述資訊核查包括:健康告知;
所述核查資訊庫包括:疾病庫;
所述待核查資訊包括:所述疾病庫中的疾病;
所述資訊告知交互邏輯包括:健康告知交互邏輯;
所述資訊告知交互邏輯中的資訊告知路徑包括:所述健康告知交互邏輯中的健康告知路徑;
所述資訊告知輸入包括:健康告知輸入;
所述資訊核查的核查結果包括:所述健康告知的健康告知結果。
可選地,所述資訊核查方法包括:
獲取在健康告知所需疾病庫中選擇的疾病;
確定所述疾病在健康告知交互邏輯中對應的健康告知路徑;
執行所述健康告知路徑,以及接收所述健康告知路徑執行過程中的健康告知輸入;
基於所述健康告知輸入確定所述健康告知路徑的執行結果,作為所述健康告知的健康告知結果。
可選地,所述獲取在健康告知所需疾病庫中選擇的疾病指令執行之前,所述處理器410還用於執行如下電腦可執行指令:
接收健康告知申請;
對應的,所述基於所述健康告知輸入確定所述健康告知路徑的執行結果,作為所述健康告知的健康告知結果指令執行之後,所述處理器410還用於執行如下電腦可執行指令:
根據所述健康告知結果產生所述健康告知申請對應的健康告知詳情。
可選地,所述執行所述健康告知路徑,以及接收所述健康告知路徑執行過程中的健康告知輸入指令執行之後,且所述基於所述健康告知輸入確定所述健康告知路徑的執行結果,作為所述健康告知的健康告知結果指令執行之前,所述處理器410還用於執行如下電腦可執行指令:
記錄所述健康告知路徑執行過程中產生的執行過程資料;所述執行過程資料包含所述健康告知路徑和所述健康告知輸入;
基於所述執行過程資料發起二次健康告知。
可選地,所述基於所述執行過程資料發起二次健康告知,包括:
獲取針對所述二次健康告知的告知確認,並執行所述獲取在健康告知所需疾病庫中選擇的疾病指令。
可選地,所述健康告知所需疾病庫,採用下述方式構建:
根據所述健康告知涉及的健康告知資料以及歷史健康特徵資料產生疾病資料;
確定所述疾病資料對應疾病之間的層級結構關係;
基於所述疾病資料和所述層級結構關係構建所述疾病庫。
可選地,所述健康告知交互邏輯,採用如下方式構建:
確定與所述疾病庫中疾病相關的健康告知資料、健康特徵資料以及承保資料;
建立所述疾病庫中疾病與所述健康告知資料、所述健康特徵資料以及所述承保資料之間的映射關係和/或層級關係;
基於所述映射關係和/或所述層級關係,構建所述健康告知交互邏輯。
可選地,所述健康告知交互邏輯中健康告知路徑,採用問答對話模式執行,且所述健康告知路徑包含的告知問題和告知回答具有對應關係;
其中,所述健康告知路徑包含的告知問題基於所述映射順序確定,所述健康告知路徑包含的告知回答基於健康告知輸入確定。
可選地,所述健康告知路徑包含的告知問題及其對應的告知回答,基於告知回答模型確定;
其中,所述告知回答模型採用如下方式進行構建:
根據所述疾病庫中疾病的醫學定義標準、所述疾病庫中疾病對應的所述承保資料中的承保條件、所述健康特徵資料、以及所述承保條件與健康告知結果的映射關係,構建所述告知回答模型。
可選地,所述健康告知交互邏輯中健康告知路徑的執行過程中,所述告知問題及其對應的告知回答,採用下述至少一種方式實現與投保人的告知交互:
基於文字的問答交互、基於語音的問答交互、基於語音圖像問答交互和基於視訊的問答交互。
可選地,所述健康告知交互邏輯,與投保人具有唯一對應關係;
所述確定所述疾病在健康告知交互邏輯中對應的健康告知路徑,包括:
獲取所述投保人的健康特徵資料;
根據所述投保人的健康特徵資料確定所述投保人對應的個性化健康告知交互邏輯;
確定所述疾病在所述個性化健康告知交互邏輯中的健康告知交互路徑,作為所述疾病對應的健康告知路徑。
可選地,所述根據所述投保人的健康特徵資料確定所述投保人對應的個性化健康告知交互邏輯,包括:
將所述投保人的健康特徵資料與預先配置的基準健康告知交互邏輯進行匹配;
提取所述基準健康告知交互邏輯當中與所述健康特徵資料匹配的子交互邏輯,作為所述投保人對應的個性化健康告知交互邏輯。
本發明提供的一種電腦可讀儲存媒體實施例如下:
本發明一實施例還提供一種電腦可讀儲存媒體,其儲存有電腦指令,該指令被處理器執行時以用於:
獲取在資訊核查所需核查資訊庫中選擇的待核查資訊;
確定所述待核查資訊在資訊告知交互邏輯中對應的資訊告知路徑;
執行所述資訊告知路徑,以及接收所述資訊告知路徑執行過程中的資訊告知輸入;
基於所述資訊告知輸入確定所述資訊告知路徑的執行結果,作為所述資訊核查的核查結果。
可選地,所述資訊核查包括:健康告知;
所述核查資訊庫包括:疾病庫;
所述待核查資訊包括:所述疾病庫中的疾病;
所述資訊告知交互邏輯包括:健康告知交互邏輯;
所述資訊告知交互邏輯中的資訊告知路徑包括:所述健康告知交互邏輯中的健康告知路徑;
所述資訊告知輸入包括:健康告知輸入;
所述資訊核查的核查結果包括:所述健康告知的健康告知結果。
可選地,所述資訊核查方法包括:
獲取在健康告知所需疾病庫中選擇的疾病;
確定所述疾病在健康告知交互邏輯中對應的健康告知路徑;
執行所述健康告知路徑,以及接收所述健康告知路徑執行過程中的健康告知輸入;
基於所述健康告知輸入確定所述健康告知路徑的執行結果,作為所述健康告知的健康告知結果。
可選地,所述獲取在健康告知所需疾病庫中選擇的疾病步驟執行之前,包括:
接收健康告知申請;
對應的,所述基於所述健康告知輸入確定所述健康告知路徑的執行結果,作為所述健康告知的健康告知結果步驟執行之後,包括:
根據所述健康告知結果產生所述健康告知申請對應的健康告知詳情。
可選地,所述執行所述健康告知路徑,以及接收所述健康告知路徑執行過程中的健康告知輸入步驟執行之後,且所述基於所述健康告知輸入確定所述健康告知路徑的執行結果,作為所述健康告知的健康告知結果步驟執行之前,包括:
記錄所述健康告知路徑執行過程中產生的執行過程資料;所述執行過程資料包含所述健康告知路徑和所述健康告知輸入;
基於所述執行過程資料發起二次健康告知。
可選地,所述基於所述執行過程資料發起二次健康告知,包括:
獲取針對所述二次健康告知的告知確認,並執行所述獲取在健康告知所需疾病庫中選擇的疾病步驟。
可選地,所述健康告知所需疾病庫,採用下述方式構建:
根據所述健康告知涉及的健康告知資料以及歷史健康特徵資料產生疾病資料;
確定所述疾病資料對應疾病之間的層級結構關係;
基於所述疾病資料和所述層級結構關係構建所述疾病庫。
可選地,所述健康告知交互邏輯,採用如下方式構建:
確定與所述疾病庫中疾病相關的健康告知資料、健康特徵資料以及承保資料;
建立所述疾病庫中疾病與所述健康告知資料、所述健康特徵資料以及所述承保資料之間的映射關係和/或層級關係;
基於所述映射關係和/或所述層級關係,構建所述健康告知交互邏輯。
可選地,所述健康告知交互邏輯中健康告知路徑,採用問答對話模式執行,且所述健康告知路徑包含的告知問題和告知回答具有對應關係;
其中,所述健康告知路徑包含的告知問題基於所述映射順序確定,所述健康告知路徑包含的告知回答基於健康告知輸入確定。
可選地,所述健康告知路徑包含的告知問題及其對應的告知回答,基於告知回答模型確定;
其中,所述告知回答模型採用如下方式進行構建:
根據所述疾病庫中疾病的醫學定義標準、所述疾病庫中疾病對應的所述承保資料中的承保條件、所述健康特徵資料、以及所述承保條件與健康告知結果的映射關係,構建所述告知回答模型。
可選地,所述健康告知交互邏輯中健康告知路徑的執行過程中,所述告知問題及其對應的告知回答,採用下述至少一種方式實現與投保人的告知交互:
基於文字的問答交互、基於語音的問答交互、基於語音圖像問答交互和基於視訊的問答交互。
可選地,所述健康告知交互邏輯,與投保人具有唯一對應關係;
所述確定所述疾病在健康告知交互邏輯中對應的健康告知路徑,包括:
獲取所述投保人的健康特徵資料;
根據所述投保人的健康特徵資料確定所述投保人對應的個性化健康告知交互邏輯;
確定所述疾病在所述個性化健康告知交互邏輯中的健康告知交互路徑,作為所述疾病對應的健康告知路徑。
可選地,所述根據所述投保人的健康特徵資料確定所述投保人對應的個性化健康告知交互邏輯,包括:
將所述投保人的健康特徵資料與預先配置的基準健康告知交互邏輯進行匹配;
提取所述基準健康告知交互邏輯當中與所述健康特徵資料匹配的子交互邏輯,作為所述投保人對應的個性化健康告知交互邏輯。
上述為本實施例的一種電腦可讀儲存媒體的示意性方案。需要說明的是,該儲存媒體的技術方案與上述的資訊核查方法的技術方案屬於同一構思,儲存媒體的技術方案未詳細描述的細節內容,均可以參見上述資訊核查方法的技術方案的描述。
所述電腦指令包括電腦程式代碼,所述電腦程式碼可以為原始程式碼形式、物件碼形式、可執行檔或某些中間形式等。所述電腦可讀媒體可以包括:能夠攜帶所述電腦程式碼的任何實體或裝置、記錄媒體、USB隨身碟、可拆式硬碟、磁碟、光碟、電腦記憶體、唯讀記憶體(ROM,Read-Only Memory)、隨機存取記憶體(RAM,Random Access Memory)、電載波信號、電信信號以及軟體分發媒體等。需要說明的是,所述電腦可讀媒體包含的內容可以根據司法管轄區內立法和專利實踐的要求進行適當的增減,例如在某些司法管轄區,根據立法和專利實踐,電腦可讀媒體不包括電載波信號和電信信號。
需要說明的是,對於前述的各方法實施例,為了簡便描述,故將其都表述為一系列的動作組合,但是本領域技術人員應該知悉,本發明並不受所描述的動作順序的限制,因為依據本發明,某些步驟可以採用其它順序或者同時進行。其次,本領域技術人員也應該知悉,說明書中所描述的實施例均屬於較佳實施例,所涉及的動作和模組並不一定都是本發明所必須的。
在上述實施例中,對各個實施例的描述都各有偏重,某個實施例中沒有詳述的部分,可以參見其它實施例的相關描述。
以上揭示的本發明較佳實施例只是用於幫助闡述本發明。可選實施例並沒有詳盡敘述所有的細節,也不限制該發明僅為所述的具體實施方式。顯然,根據本說明書的內容,可作很多的修改和變化。本說明書選取並具體描述這些實施例,是為了更好地解釋本發明的原理和實際應用,從而使所屬技術領域技術人員能很好地理解和利用本發明。本發明僅受申請專利範圍及其全部範圍和等效物的限制。In the following description, many specific details are explained in order to fully understand the present invention. However, the present invention can be implemented in many other ways different from those described herein, and those skilled in the art can make similar popularizations without departing from the connotation of the present invention. Therefore, the present invention is not limited by the specific implementation disclosed below. The terms used in one or more embodiments of this specification are only for the purpose of describing specific embodiments, and are not intended to limit one or more embodiments of this specification. The singular forms of "a", "said" and "the" used in one or more embodiments of this specification and the scope of the appended patent application are also intended to include plural forms, unless the context clearly indicates other meanings. It should also be understood that the term "and/or" used in one or more embodiments of this specification refers to and includes any or all possible combinations of one or more associated listed items. It should be understood that although the terms first, second, etc. may be used to describe various information in one or more embodiments of this specification, the information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other. For example, without departing from the scope of one or more embodiments of this specification, the first may also be referred to as the second, and similarly, the second may also be referred to as the first. Depending on the context, the word "if" as used herein can be interpreted as "when" or "when" or "in response to certainty". The present invention provides an information verification method. The present invention also provides an information verification device, a computing device, and a computer-readable storage medium. The following is a detailed description one by one in conjunction with the drawings of the embodiments provided by the present invention, and each step of the method is described. The embodiment of an information verification method provided by the present invention is as follows: Referring to Figure 1, it shows a processing flow chart of an information verification method provided in this embodiment, and Figure 2 shows the process of a health notification process provided by an embodiment of the present invention. Processing flowchart. Step S102: Obtain the information to be verified selected in the verification information database required for information verification. The information verification described in the embodiment of the present invention includes the information verification of participants who apply for participating in the mutual aid and mutual aid project in the mutual aid and mutual aid project. If the verification result of the participant in the information verification link is that the verification is passed, the participant is allowed Participate in mutual aid projects. The mutual aid project includes insurance, such as health insurance such as critical illness insurance, medical insurance, nursing insurance, and accident insurance. Correspondingly, the information verification performed in the process of participating in the mutual aid and mutual aid project includes the health notification made by the applicant of the health insurance in the process of participating in the insurance purchase. In the embodiment of the present invention, the health notification during the process of the applicant's participation in the purchase of health insurance is taken as an example to illustrate the information checking method provided in the embodiment of the present invention. Preferably, the verification information database required for information verification includes a disease database required for health notification, and the to-be-verified information in the verification information database includes diseases in the disease database required for health notification. Correspondingly, the following related information notification interaction logic includes health notification interaction logic, the information notification path in the information notification interaction logic includes the health notification path in the health notification interaction logic, and the information notification path execution process The information notification input received in, includes the health notification input received during the execution of the health notification path, and the check result of the information check includes the health notification result of the health notification. During the online purchase of critical illness insurance, medical insurance, nursing insurance, accidental injury insurance and other health insurances, the insurance company needs to confirm the health status of the insured during the underwriting process. After the insured completes the confirmation of the health notification, if the If the insurance is successfully passed, the insurance company will underwrite the insurance, and the content of the applicant's health notification will become an integral part of the health insurance policy; it can be seen that as an important part of the health insurance policy, health notification has become the top priority of the underwriting process. The information verification method provided by the present invention, during the underwriting process to inform the applicant of the health of the insured, from the perspective of easy understanding of the user (the applicant), and on the premise of ensuring the privacy of the insured, based on diseases, symptoms and common medical The definition is used to deconstruct the health notification content so that the insured can inform according to his own health status. When the insured provides health characteristic data or authorizes the collection of health characteristic data, the intelligent health notification processing is realized through a systematic and concise method, thereby underwriting The link provides a more convenient way to implement health notifications, and at the same time improves the efficiency and effectiveness of online underwriting and underwriting. In a preferred implementation manner provided by the embodiment of the present invention, the premise for the health notification is that the user (ie the insured person) initiates the health notification application after purchasing the insurance, specifically refers to the health notification application after receiving the health notification application from the insured person Link. In specific implementation, the health notification application of the insured person may be a health notification application initiated by the insured person to purchase insurance for himself, or a health notification application initiated by the insured person when he purchases insurance for him, for example, when the insured person purchases health insurance for his family Correspondingly, if the applicant initiates a health notification application for the purchase of insurance, the health notification is based on the health status of the insured; if the applicant initiates a health notification application for the purchase of insurance for others, Health notification is also based on the health status of others. In the health notification process, first obtain the disease selected by the policyholder in the disease database required for the health notification, where the disease library required for the health notification includes a collection of all disease-related materials involved in the health insurance purchased by the policyholder. Specifically, in the process of health notification, the policyholder needs to clarify the health status of the policyholder when purchasing the insurance in conjunction with the disease database, so as to clearly divide the policyholder’s health responsibilities before and after the insurance purchase. Preferably, the disease database required for health notification is constructed in the following manner: 1) Disease data is generated based on the health notification data and historical health feature data involved in the health notification; the historical health feature data may be response history Health characteristics of the health status of the insurance user group. 2) Determine the hierarchical structure relationship between the disease data and the corresponding diseases; 3) Build the disease database based on the disease data and the hierarchical structure relationship. For example, taking the critical illness insurance in health insurance as an example, it is first necessary to clarify the types of diseases covered by the critical illness insurance coverage, including malignant tumors, acute myocardial infarction, sequelae of stroke, major organ transplantation, etc., and combine the user group’s Health characteristics data, determine the diseases included in each disease category and sort out the content of the disease; further, sort out the affiliation between the disease type and the disease, and the corresponding relationship between the disease and the disease content; finally, according to the type of disease within the scope of critical illness insurance, The diseases included in each disease type, the disease content of the disease, the affiliation between the disease type and the disease, and the corresponding relationship between the disease and the disease content, to build a structured disease database. Step S104: Determine the information notification path corresponding to the information to be checked in the information notification interaction logic. The health notification interaction logic in the embodiment of the present invention refers to the underlying logic of notification interaction with the insured person during the health notification process. The diseases in the disease database have a corresponding health notification path in the health notification interaction logic, and the insured person Selecting a disease in the disease library will trigger the corresponding health notification interaction path in the health notification interaction logic. The following is a practical example to illustrate the health notification interaction logic and the health notification path: For the disease category A in the disease database required for underwriting, the health notification interaction logic related to the disease A1 under the disease category A is as follows: ![Figure 02_image001](https://patentimages.storage.googleapis.com/db/fe/54/d5f46ac56d22c8/02_image001.png)
Among them, the health notification interaction logic related to disease A1 contains multiple health notification paths for disease A1. The following two health notification paths are used as examples for explanation: Health notification path Path 1: Disease A1-> under disease category A Underwriting type "Q&A"->Question Q1->Question Q1’s question description "Is there any special circumstances?"->The insured’s negative answer->The negative answer is handled as "underwriting"; Specifically, the insured chooses the disease A1 under the disease category A At the time, the first step triggers the underwriting type node, the content of the underwriting type node is "Q&A", and the second step triggers question Q1, showing the policyholder the problem description of question Q1: "Are there any special circumstances?"; the policyholder is learning After the problem description of question Q1 "is there any special circumstances", it will be confirmed according to the problem description, that is: input or select "yes" or "no" for the problem description of question Q1, if the input or selection of the insured person is "no" , The third step triggers the negative answer to question Q1, and the negative answer to question Q1 is processed "underwriting". In the end, the result obtained by the execution of the health notification path Path 1 is the underwriting processing of the applicant's application for insurance. Path 2 of health notification: Disease A1->underwriting type "Q&A"->Question Q1->Question Q1: "Are there any special circumstances?"->Affirmative answer of the insured->Question Q2->Question Q2’s question description "Is there any symptom?"-> the insured person’s negative answer -> question Q3->the question Q3’s question description "the inspection result for a specific period of time"-> the insured’s negative answer -> the handling of the negative answer "rejection of insurance" Specifically, when the policyholder chooses disease A1 under disease category A, the first step triggers the underwriting type node, and the content of the underwriting type node is "Questions and Answers", and the second step triggers question Q1, showing the policyholder the information of question Q1 Problem description: "Is there any special circumstances?" After the policyholder knows the problem description of question Q1 "Is there any special circumstances", he will confirm according to the problem description, that is: input or select "Yes" or "for the problem description of question Q1"No", if the insured’s input or selection is "Yes", the fourth step triggers question Q2, and shows the insured the problem description of question Q2: "Is there any symptom?"; The insured is learning the problem description of question Q2" After “whether there is a certain symptom”, it will be confirmed according to the problem description, that is, input or select “Yes” or “No” for the problem description of Question Q2. If the insured’s input or selection is “No”, the fifth step is triggered Question Q3: Show the policyholder the problem description of Question Q3: "Check results for a specific time period"; After the policyholder learns the problem description of Question Q3 "Check results for a specific time period", he will confirm according to the problem description, that is: for the problem Q3's question description input or select "Yes" or "No", if the applicant's input or choice is "No", the negative answer to question Q3 is processed "Rejection of insurance", it can be seen that the health notification path Path 2 is executed As a result, the policyholder’s application for insurance is rejected. In a preferred implementation manner provided by the embodiment of the present invention, the health notification interaction logic is constructed in the following manner: 1) Determine the health notification data, health feature data, and underwriting data related to the diseases in the disease database; 2) Establish the mapping relationship and hierarchical relationship between the diseases in the disease database and the health notification data, the health characteristics data, and the underwriting data; follow the above example to determine the subordination relationship between the disease classification A and the disease A1 (hierarchical relationship) Type of disease A1 (a type of coverage material) and health notification result (a type of coverage material), disease A1, question Q1, question Q2, and question Q3 (health notification information) that need to be notified by the insured person for disease A1, question Q1 The execution order (a type of hierarchical relationship) between Question Q2 and Question Q3, and the mapping relationship between the above and the specific mapping order. In addition, it also includes the mapping relationship between disease A1 and the health characteristics data of the applicant under disease classification A and the specific mapping sequence. For example, there is no gender restriction for disease A1, and there is no age restriction. 3) Based on the mapping relationship and the hierarchical relationship, construct the health notification interaction logic. See the example of providing health notification interaction logic above. In addition, when constructing the health notification interaction logic, it is also possible to establish the diseases and diseases in the disease database on the basis of determining the health notification data, health characteristic data, and underwriting data related to the diseases in the disease database. The mapping relationship between the health notification data, the health feature data, and the underwriting data is used to construct the health notification interaction logic based on the established mapping relationship; or, to establish the disease and the health notification in the disease database The hierarchical relationship among the data, the health characteristic data, and the underwriting data, and the health notification interaction logic is constructed based on the established hierarchical relationship. Preferably, the health notification path in the health notification interaction logic is executed in a question-and-answer dialogue mode, and the notification questions included in the health notification path and the notification answers have a corresponding relationship; wherein, the notification questions included in the health notification path It is determined based on the mapping order, and the notification response included in the health notification path is determined based on the health notification input. In a preferred implementation manner provided by the embodiment of the present invention, the notification questions included in the health notification path and the corresponding notification responses are determined based on the notification response model; specifically, the notification response model is constructed in the following manner: The medical definition standard of the disease in the disease database, the underwriting conditions in the underwriting data corresponding to the diseases in the disease library, the health characteristic data, and the mapping relationship between the underwriting conditions and the health notification results, and constructing the Inform the answer model. For example, a new disease is added to the disease database, and the new disease needs to be added to the health notification interaction logic. During the addition, the question and answer data of the new disease is required, such as: whether there are exceptions to the new disease, and information about symptoms And treatment-related information, you can use the necessary information such as whether there are exceptions to the new disease, symptom-related information, and treatment-related information, as well as the coverage conditions in the coverage information related to the new disease, and the health characteristics of the applicant. Log in to inform the answer model, after the inform answer model analyzes and process the input data, output the question and answer data of the new disease. The question and answer data of diseases generated by the way of informing the answer model can effectively reduce the time cost and labor cost of human participation, and at the same time can improve the processing efficiency. In the embodiment of the present invention, during the execution of the health notification path in the health notification interaction logic, the notification question and the corresponding notification answer are implemented in a text-based question and answer dialogue mode. In addition, the notification question and its corresponding notification response can also be implemented in other ways that can achieve notification interaction with the policyholder, such as a voice-based question-and-answer dialogue mode, a voice-image question-and-answer dialogue mode, or a video-based mode. The question-and-answer dialogue mode is implemented, which is not limited in this embodiment. In the preferred embodiment provided above, all policyholders use the same health notification interaction logic for the interactive processing of health notification. In addition, personalized health notification interaction logic can also be generated for each policyholder, based on personalized health notification interaction logic. The health notification interaction logic realizes the "thousand-thousand-thousand-face" health notification in the underwriting process, so as to provide more convenient and effective health notification to the insured. In a preferred implementation manner provided by the embodiment of the present invention, the health notification interaction logic has a unique corresponding relationship with the applicant; based on this, the above determination of the health notification path corresponding to the disease in the health notification interaction logic specifically includes: Obtain the health characteristics data of the policyholder, and then determine the personalized health notification interaction logic corresponding to the policyholder according to the health feature data of the policyholder, and finally determine the health notification of the disease in the personalized health notification interaction logic The interactive path serves as the health notification path corresponding to the disease. Preferably, said determining the personalized health notification interaction logic corresponding to the applicant based on the health characteristic data of the applicant is specifically performed by matching the health characteristic data of the applicant with a pre-configured reference health notification interaction logic, And extract the sub-interaction logic matching the health feature data in the reference health notification interaction logic as the personalized health notification interaction logic corresponding to the applicant. For example, if the policyholder is a male user, he only needs to extract the male-related interaction logic from the basic health notification interaction logic. For example, if the policyholder is a policyholder in the age group of 20 to 30 years old, then only need to extract the basic health notification interaction logic. The interactive logic of common diseases in this age group is sufficient. Step S106, execute the information notification path, and receive the information notification input during the execution of the information notification path. The above steps determine the health notification path corresponding to the disease selected by the applicant in the health notification interaction logic. This step executes the health notification path and receives the health notification input of the applicant during the execution of the health notification path. In a preferred implementation manner provided by the embodiment of the present invention, after executing the health notification path and receiving the health notification input of the applicant during the execution of the health notification path, records generated during the execution of the health notification path Implementation process data; the implementation process data includes the health notification path and the health notification input, and initiates a secondary health notification to the insured based on the implementation process data. Preferably, after the secondary health notification is initiated to the policyholder, if the notification confirmation of the secondary health notification from the policyholder is obtained, the health notification process is repeated, namely, returning to the above step S102, starting from the execution of the above step S102 , Repeat the process of health notification. Step S108, determining the execution result of the information notification path based on the information notification input as the verification result of the information verification. The above steps execute the health notification path and receive the health notification input of the applicant during the execution of the health notification path. This step is based on the health notification input of the applicant for the health notification path during the health notification process. Determine the execution result of the health notification path, and use the execution result of the health notification path as the health notification result of the health notification. Specifically, there are three specific health notification results for the health notification application initiated by the insured person: underwriting, underwriting out of responsibility, and refusal to cover. Specifically, if the result of the health notification is a refusal of insurance, it is sufficient to issue a corresponding refusal reminder; if the result of the health notification is insurable, the health notification details corresponding to the health notification application are generated, and the details of the health notification can also be used on the basis of the health notification details. The above further generates an insurance policy for the insured to purchase health insurance, and the generated insurance policy carries the health notification details and underwriting information; if the health notification result is out-of-responsibility underwriting, the health notification details corresponding to the health notification application can also be generated. On the basis of the health notification details, an insurance policy for the insured person to purchase health insurance is further generated, and the generated insurance policy carries the health notification details and out of responsibility underwriting information. The following describes the information verification method provided by the present invention in conjunction with the health notification process provided in Figure 2: Step S202, receiving the health notification application of the insured, and determining that the health notification application is a health notification initiated by the insured for purchasing insurance for himself The application is still a health notification application initiated by the insured when purchasing insurance for his family. Step S204: Enter the health notification process. If the applicant initiates a health notification application for his own insurance purchase, the health notification is based on the health status of the applicant; if the applicant initiates a health notification application for another person’s insurance purchase, Health notification is also based on the health status of others. Step S206: Determine the disease A1 under the disease category A selected by the insured person in the disease database required for health notification. Step S208: Determine the corresponding health notification path in the health notification interaction logic of the disease A1 under the disease category A. (Refer to the description of the health notification path in step S104 above) Step S210, execute the health notification path corresponding to the disease A1 in the health notification interaction logic. Step S212: Record the execution process data generated during the execution of the health notification path corresponding to the disease A1. Step S214, after each health notification is completed, the recorded execution process data is traced back to the policyholder for the policyholder’s secondary health notification; if the policyholder chooses to perform the secondary health notification, return to step S206; if the policyholder chooses If the secondary health notification is not performed, step S216 is executed to store the health notification result. Step S216, storing the health notification result corresponding to the health notification application initiated by the above-mentioned applicant. Step S218: If the result of the health notification is insurable, the health notification details corresponding to the health notification application are generated. On the basis of the health notification details, an insurance policy for the insured person to purchase health insurance may be further generated. State the health notification details and underwriting information; if the health notification result is out-of-responsibility underwriting, the health notification details corresponding to the health notification application are generated, and the insurance policy for the insured to purchase health insurance can also be generated on the basis of the health notification details, The generated insurance policy carries the details of the health notification and the non-responsibility underwriting information; if the result of the health notification is a refusal of insurance, the corresponding refusal reminder can be issued. To sum up, the information verification method provided by the present invention, during the underwriting process of health notification to the insured, from the perspective of easy understanding of the insured, based on the disease selected by the insured in the required disease library for health notification, Determine and execute the health notification path corresponding to the disease in the health notification interaction logic. At the same time, determine the health notification result according to the health notification input of the insured during the execution process, and realize the intelligent health notification processing in a systematic and concise way. This provides a more convenient way to implement health notifications in the underwriting process, and at the same time improves the efficiency and effectiveness of online underwriting and underwriting. The embodiment of an information verification device provided by the present invention is as follows: In the above-mentioned embodiment, an information verification method is provided. Correspondingly, the present invention also provides an information verification device, which is described below with reference to the drawings. Refer to Figure 3, which shows a schematic diagram of an embodiment of an information verification device provided by the present invention. Since the device embodiment is basically similar to the method embodiment, the description is relatively simple. For related parts, please refer to the corresponding description of the method embodiment provided above. The device embodiments described below are merely illustrative. The present invention provides an information verification device, which includes: a to-be-verified information selection unit 302, configured to obtain the to-be-verified information selected in a verification information database required for information verification; an information notification path determination unit 304, which is configured to determine the to-be-verified information The information notification path corresponding to the verification information in the information notification interaction logic; the information notification path execution unit 306 is configured to execute the information notification path and receive the information notification input during the execution of the information notification path; the verification result determination unit 308. It is configured to determine the execution result of the information notification path based on the information notification input as a verification result of the information verification. Optionally, the information check includes: health notification; the check information database includes: a disease database; the information to be checked includes: diseases in the disease database; and the information notification interaction logic includes: health notification interaction logic The information notification path in the information notification interaction logic includes: the health notification path in the health notification interaction logic; the information notification input includes: a health notification input; the verification result of the information verification includes: the health notification Your health informs the results. Optionally, the information checking device includes: a disease selection unit configured to obtain a disease selected in a disease library required for health notification; a health notification path determination unit configured to determine that the disease is in the health notification interaction logic Corresponding health notification path; a health notification path execution unit configured to execute the health notification path and receive a health notification input during the execution of the health notification path; a health notification result determination unit configured to be based on the health The notification input determines the execution result of the health notification path as the health notification result of the health notification. Optionally, the information checking device further includes: a health notification application receiving unit configured to receive a health notification application; a health notification detail generating unit configured to generate a health notification application corresponding to the health notification result according to the health notification result Health informs details. Optionally, the information checking device further includes: an execution process data recording unit configured to record execution process data generated during the execution of the health notification path; the execution process data includes the health notification path and all The health notification input; a secondary health notification initiating unit configured to initiate a secondary health notification based on the execution process data. Optionally, the secondary health notification initiating unit is specifically configured to obtain notification confirmation for the secondary health notification, and execute the disease selection unit. Optionally, the disease database required for the health notification is constructed in the following manner: disease data is generated based on the health notification data and historical health characteristic data involved in the health notification; and the hierarchical structure between the diseases corresponding to the disease data is determined Relationship: The disease database is constructed based on the disease data and the hierarchical structure relationship. Optionally, the health notification interaction logic is constructed in the following manner: determine the health notification data, health feature data, and underwriting data related to the disease in the disease database; establish the disease and the health notification data in the disease database , The mapping relationship and/or the hierarchical relationship between the health characteristic data and the underwriting data; based on the mapping relationship and/or the hierarchical relationship, constructing the health notification interaction logic. Optionally, the health notification path in the health notification interaction logic is executed in a question-and-answer dialogue mode, and the notification questions and notification answers included in the health notification path have a corresponding relationship; wherein the notification questions included in the health notification path are based on The mapping sequence is determined, and the notification response included in the health notification path is determined based on the health notification input. Optionally, the notification questions contained in the health notification path and the corresponding notification answers are determined based on the notification response model; wherein, the notification response model is constructed in the following manner: According to the medical definition standard of the disease in the disease database , The underwriting conditions in the underwriting data corresponding to the diseases in the disease database, the health characteristic data, and the mapping relationship between the underwriting conditions and the health notification results, to construct the notification response model. Optionally, during the execution of the health notification path in the health notification interaction logic, the notification question and its corresponding notification response are implemented in at least one of the following ways to achieve notification interaction with the applicant: text-based question and answer interaction, Voice-based question answering interaction, voice-based image question answering interaction, and video-based question answering interaction. Optionally, the health notification interaction logic has a unique corresponding relationship with the applicant; the health notification path determination unit includes: a health characteristic data acquisition subunit configured to obtain the health characteristic data of the applicant; personality The health notification interaction logic determination subunit is configured to determine the personalized health notification interaction logic corresponding to the applicant according to the health characteristics data of the applicant; the health notification path determination subunit is configured to determine that the disease is in The health notification interaction path in the personalized health notification interaction logic is used as the health notification path corresponding to the disease. Optionally, the personalized health notification interaction logic determination sub-unit includes: a matching sub-unit configured to match the health characteristic data of the applicant with a pre-configured reference health notification interaction logic; an extraction sub-unit, It is configured to extract the sub-interaction logic matching the health characteristic data in the reference health notification interaction logic as the personalized health notification interaction logic corresponding to the applicant. An embodiment of a computing device provided by the present invention is as follows: FIG. 4 is a block diagram showing the structure of a computing device 400 according to an embodiment of the present specification. The components of the computing device 400 include but are not limited to a memory 410 and a processor 420. The processor 420 and the memory 410 are connected through the bus 430, and the database 450 is used for storing data. The computing device 400 also includes an access device 440 that enables the computing device 400 to communicate via one or more networks 460. Examples of these networks include public switched telephone network (PSTN), local area network (LAN), wide area network (WAN), personal area network (PAN), or a combination of communication networks such as the Internet. The access device 440 may include one or more of any type of wired or wireless network interface (for example, a network interface card (NIC)), such as IEEE802.11 wireless local area network (WLAN) wireless interface, global microwave Interworking access (Wi-MAX) interface, Ethernet interface, universal serial bus (USB) interface, cellular network interface, Bluetooth interface, near field communication (NFC) interface, etc. In an embodiment of the present specification, the foregoing components of the computing device 400 and other components not shown in FIG. 4 may also be connected to each other, for example, through a bus. It should be understood that the structural block diagram of the computing device shown in FIG. 4 is for illustrative purposes only, and is not intended to limit the scope of this specification. Those skilled in the art can add or replace other components as needed. The computing device 400 can be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (for example, a tablet computer, a personal digital assistant, a laptop computer, a notebook computer, a small notebook, etc.), a mobile phone (for example, , Smart phones), wearable computing devices (for example, smart watches, smart glasses, etc.) or other types of mobile devices, or stationary computing devices such as desktop computers or PCs. The computing device 400 may also be a mobile or stationary server. The present invention provides a computing device, including a memory 410, a processor 420, and computer instructions stored on the memory and running on the processor. The processor 410 is used to execute the following computer executable instructions: The information to be checked selected in the required check information database; determine the information notification path corresponding to the information to be checked in the information notification interaction logic; execute the information notification path, and receive the information notification during the execution of the information notification path Input; Determine the execution result of the information notification path based on the information notification input as the verification result of the information verification. Optionally, the information check includes: health notification; the check information database includes: a disease database; the information to be checked includes: diseases in the disease database; and the information notification interaction logic includes: health notification interaction logic The information notification path in the information notification interaction logic includes: the health notification path in the health notification interaction logic; the information notification input includes: a health notification input; the verification result of the information verification includes: the health notification Your health informs the results. Optionally, the information verification method includes: acquiring a disease selected in a disease library required for health notification; determining the health notification path corresponding to the disease in the health notification interaction logic; executing the health notification path, and receiving the health notification path. The health notification input during the execution of the health notification path; and the execution result of the health notification path is determined based on the health notification input as the health notification result of the health notification. Optionally, before the execution of the disease instruction selected in the disease library required for health notification, the processor 410 is further configured to execute the following computer-executable instructions: receive a health notification application; correspondingly, the processor 410 is based on the The health notification input determines the execution result of the health notification path. After the health notification result instruction of the health notification is executed, the processor 410 is further configured to execute the following computer-executable instructions: Details of the health notification corresponding to the health notification application. Optionally, after the execution of the health notification path and the execution of the health notification input instruction received during the execution of the health notification path, and the determination of the execution result of the health notification path based on the health notification input, Before the execution of the health notification result instruction as the health notification, the processor 410 is further configured to execute the following computer-executable instructions: record the execution process data generated during the execution of the health notification path; the execution process data includes all The health notification path and the health notification input; and a secondary health notification is initiated based on the execution process data. Optionally, the initiating a secondary health notification based on the execution process data includes: obtaining notification confirmation for the secondary health notification, and executing the disease instruction selected in the disease library required for the health notification. Optionally, the disease database required for the health notification is constructed in the following manner: disease data is generated based on the health notification data and historical health characteristic data involved in the health notification; and the hierarchical structure between the diseases corresponding to the disease data is determined Relationship: The disease database is constructed based on the disease data and the hierarchical structure relationship. Optionally, the health notification interaction logic is constructed in the following manner: determine the health notification data, health feature data, and underwriting data related to the disease in the disease database; establish the disease and the health notification data in the disease database , The mapping relationship and/or the hierarchical relationship between the health characteristic data and the underwriting data; based on the mapping relationship and/or the hierarchical relationship, constructing the health notification interaction logic. Optionally, the health notification path in the health notification interaction logic is executed in a question-and-answer dialogue mode, and the notification questions and notification answers included in the health notification path have a corresponding relationship; wherein the notification questions included in the health notification path are based on The mapping sequence is determined, and the notification response included in the health notification path is determined based on the health notification input. Optionally, the notification questions contained in the health notification path and the corresponding notification answers are determined based on the notification response model; wherein, the notification response model is constructed in the following manner: According to the medical definition standard of the disease in the disease database , The underwriting conditions in the underwriting data corresponding to the diseases in the disease database, the health characteristic data, and the mapping relationship between the underwriting conditions and the health notification results, to construct the notification response model. Optionally, during the execution of the health notification path in the health notification interaction logic, the notification question and its corresponding notification response are implemented in at least one of the following ways to achieve notification interaction with the applicant: text-based question and answer interaction, Voice-based question answering interaction, voice-based image question answering interaction, and video-based question answering interaction. Optionally, the health notification interaction logic has a unique corresponding relationship with the insured person; the determining the health notification path corresponding to the disease in the health notification interaction logic includes: acquiring the health characteristics data of the insured person; according to The health characteristics data of the applicant determine the personalized health notification interaction logic corresponding to the applicant; determine the health notification interaction path of the disease in the personalized health notification interaction logic as the health notification corresponding to the disease path. Optionally, the determining the personalized health notification interaction logic corresponding to the applicant according to the health characteristic data of the applicant includes: performing the interaction logic of the health characteristic data of the applicant with a pre-configured reference health notification interaction logic Matching; extracting the sub-interaction logic matching the health feature data from the reference health notification interaction logic as the personalized health notification interaction logic corresponding to the applicant. An example of a computer-readable storage medium provided by the present invention is as follows: An embodiment of the present invention also provides a computer-readable storage medium, which stores computer instructions that are executed by a processor to: Need to check the information to be checked selected in the information database; determine the information notification path corresponding to the information to be checked in the information notification interaction logic; execute the information notification path, and receive the information notification input during the execution of the information notification path ; Determine the execution result of the information notification path based on the information notification input as the verification result of the information verification. Optionally, the information check includes: health notification; the check information database includes: a disease database; the information to be checked includes: diseases in the disease database; and the information notification interaction logic includes: health notification interaction logic The information notification path in the information notification interaction logic includes: the health notification path in the health notification interaction logic; the information notification input includes: a health notification input; the verification result of the information verification includes: the health notification Your health informs the results. Optionally, the information verification method includes: acquiring a disease selected in a disease library required for health notification; determining the health notification path corresponding to the disease in the health notification interaction logic; executing the health notification path, and receiving the health notification path. The health notification input during the execution of the health notification path; and the execution result of the health notification path is determined based on the health notification input as the health notification result of the health notification. Optionally, before the step of acquiring the disease selected in the disease library required for health notification is executed, the step includes: receiving a health notification application; correspondingly, determining the execution result of the health notification path based on the health notification input, After the execution of the health notification result step as the health notification, it includes: generating the health notification details corresponding to the health notification application according to the health notification result. Optionally, after the executing the health notification path and receiving the health notification input step in the execution of the health notification path, and the determining the execution result of the health notification path based on the health notification input, Before the execution of the health notification result step as the health notification, it includes: recording the execution process data generated during the execution of the health notification path; the execution process data includes the health notification path and the health notification input; Initiate a second health notification based on the implementation process data. Optionally, the initiating a secondary health notification based on the execution process data includes: obtaining notification confirmation for the secondary health notification, and executing the step of obtaining a disease selected in the disease library required for the health notification. Optionally, the disease database required for the health notification is constructed in the following manner: disease data is generated based on the health notification data and historical health characteristic data involved in the health notification; and the hierarchical structure between the diseases corresponding to the disease data is determined Relationship: The disease database is constructed based on the disease data and the hierarchical structure relationship. Optionally, the health notification interaction logic is constructed in the following manner: determine the health notification data, health feature data, and underwriting data related to the disease in the disease database; establish the disease and the health notification data in the disease database , The mapping relationship and/or the hierarchical relationship between the health characteristic data and the underwriting data; based on the mapping relationship and/or the hierarchical relationship, constructing the health notification interaction logic. Optionally, the health notification path in the health notification interaction logic is executed in a question-and-answer dialogue mode, and the notification questions and notification answers included in the health notification path have a corresponding relationship; wherein the notification questions included in the health notification path are based on The mapping sequence is determined, and the notification response included in the health notification path is determined based on the health notification input. Optionally, the notification questions contained in the health notification path and the corresponding notification answers are determined based on the notification response model; wherein, the notification response model is constructed in the following manner: According to the medical definition standard of the disease in the disease database , The underwriting conditions in the underwriting data corresponding to the diseases in the disease database, the health characteristic data, and the mapping relationship between the underwriting conditions and the health notification results, to construct the notification response model. Optionally, during the execution of the health notification path in the health notification interaction logic, the notification question and its corresponding notification response are implemented in at least one of the following ways to achieve notification interaction with the applicant: text-based question and answer interaction, Voice-based question answering interaction, voice-based image question answering interaction, and video-based question answering interaction. Optionally, the health notification interaction logic has a unique corresponding relationship with the insured person; the determining the health notification path corresponding to the disease in the health notification interaction logic includes: acquiring the health characteristics data of the insured person; according to The health characteristics data of the applicant determine the personalized health notification interaction logic corresponding to the applicant; determine the health notification interaction path of the disease in the personalized health notification interaction logic as the health notification corresponding to the disease path. Optionally, the determining the personalized health notification interaction logic corresponding to the applicant according to the health characteristic data of the applicant includes: performing the interaction logic of the health characteristic data of the applicant with a pre-configured reference health notification interaction logic Matching; extracting the sub-interaction logic matching the health feature data from the reference health notification interaction logic as the personalized health notification interaction logic corresponding to the applicant. The foregoing is an exemplary solution of a computer-readable storage medium of this embodiment. It should be noted that the technical solution of the storage medium and the technical solution of the above-mentioned information verification method belong to the same concept. For details of the technical solution of the storage medium that are not described in detail, please refer to the description of the technical solution of the foregoing information verification method. The computer instruction includes computer program code, and the computer program code may be in the form of original program code, object code, executable file, or some intermediate forms. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, USB flash drive, detachable hard disk, magnetic disk, optical disk, computer memory, read-only memory (ROM , Read-Only Memory), Random Access Memory (RAM, Random Access Memory), electric carrier signal, telecommunications signal and software distribution media, etc. It should be noted that the content contained in the computer-readable medium can be appropriately added or deleted according to the requirements of the legislation and patent practice in the jurisdiction. For example, in some jurisdictions, according to the legislation and patent practice, the computer-readable medium Does not include electrical carrier signals and telecommunication signals. It should be noted that for the foregoing method embodiments, for simplicity of description, they are all expressed as a series of action combinations, but those skilled in the art should know that the present invention is not limited by the described sequence of actions. Because according to the present invention, certain steps can be performed in other order or simultaneously. Secondly, those skilled in the art should also know that the embodiments described in the specification are all preferred embodiments, and the involved actions and modules are not necessarily all required by the present invention. In the foregoing embodiments, the description of each embodiment has its own emphasis. For parts that are not detailed in an embodiment, reference may be made to related descriptions of other embodiments. The preferred embodiments of the present invention disclosed above are only used to help explain the present invention. The optional embodiments do not describe all the details in detail, nor do they limit the invention to only the specific implementations described. Obviously, many modifications and changes can be made according to the content of this manual. This specification selects and specifically describes these embodiments in order to better explain the principles and practical applications of the present invention, so that those skilled in the art can understand and use the present invention well. The present invention is only limited by the scope of the patent application and its full scope and equivalents.