WO2018233351A1 - 自助理赔方法、装置、服务器和计算机可读存储介质 - Google Patents

自助理赔方法、装置、服务器和计算机可读存储介质 Download PDF

Info

Publication number
WO2018233351A1
WO2018233351A1 PCT/CN2018/082611 CN2018082611W WO2018233351A1 WO 2018233351 A1 WO2018233351 A1 WO 2018233351A1 CN 2018082611 W CN2018082611 W CN 2018082611W WO 2018233351 A1 WO2018233351 A1 WO 2018233351A1
Authority
WO
WIPO (PCT)
Prior art keywords
policy
report
insured
self
service
Prior art date
Application number
PCT/CN2018/082611
Other languages
English (en)
French (fr)
Inventor
朱晓宇
李胜胜
Original Assignee
平安科技（深圳）有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 平安科技（深圳）有限公司 filed Critical 平安科技（深圳）有限公司
Publication of WO2018233351A1 publication Critical patent/WO2018233351A1/zh

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G06Q10/103—Workflow collaboration or project management

Definitions

  • the present application relates to the field of insurance technology, and in particular, to a self-service claims method, apparatus, server, and computer readable storage medium.
  • the main purpose of the present application is to provide a self-service claims method, apparatus, server and computer readable storage medium, aiming at solving the technical problem of high insurance claims.
  • the present application provides a self-service claim method, and the self-service claim method includes the following steps:
  • the insured person's identity and report information are obtained according to the report request;
  • the policy for paying the report can be selected in the entire policy
  • the present application further provides a self-service claims device, wherein the self-service claims device includes:
  • the report module is configured to obtain the insured person's identity and report information according to the report request when receiving the input report request;
  • a policy module for obtaining all the policies of the insured according to the insured person's identity
  • a screening module configured to screen out, according to the report information, a policy that can be paid for the report in the entire policy
  • the matching module is configured to generate a corresponding claim case according to the payable policy and the report information.
  • the present application further provides a server, including: a memory, a processor, and a self-service claims program stored on the memory and executable on the processor, the self-service claims program The step of implementing the self-service claims method described in any of the above self-service claims methods when executed by the processor.
  • the present application further provides a computer readable storage medium, where the self-service claims program is stored on the computer readable storage medium, and the self-service claims program is implemented by the processor to implement any of the above self-service claims methods.
  • a self-service claim method, apparatus, server and computer readable storage medium for obtaining an insured person's identity and report information according to a report request, when receiving an input report request, for confirming the insured Identity, understand the insured's current risk situation; then, according to the insured's identity to find all of the policies, used to screen out the policy that can be paid for this report, to avoid missing the policy; then, according to the report information, in the insured In the entire policy, the policy can be screened out, and the policy that can not pay the insured can be filtered out. Then, according to the policy and report information that can be paid, the corresponding claim case is generated to facilitate the settlement of claims.
  • the application When receiving the report request, the application automatically selects the policy that meets the claim rules and can pay the claims from the insured's entire policy according to the insured's identity and the report information, and generates a claim case, thereby realizing the claim for claim settlement.
  • the automatic screening avoids the situation that the customer chooses the wrong policy and refuses to pay due to the customer's unclear or uncertain policy agreement, and reduces the proportion of the compensation. At the same time, it also reduces the invalid workload of the claim reviewer and improves the time limit for claims.
  • FIG. 1 is a schematic structural diagram of a terminal in a hardware operating environment involved in a solution according to an embodiment of the present application
  • FIG. 2 is a schematic flow chart of a first embodiment of a self-service claim method according to the present application
  • FIG. 3 is a schematic flow chart of a second embodiment of a self-service claim method according to the present application.
  • FIG. 4 is a schematic flow chart of a third embodiment of a self-service claim method according to the present application.
  • FIG. 5 is a schematic flowchart of a fourth embodiment of a self-service claim method according to the present application.
  • FIG. 6 is a schematic flowchart of a fifth embodiment of a self-service claim method according to the present application.
  • FIG. 7 is a schematic flowchart of a sixth embodiment of a self-service claim method according to the present application.
  • FIG. 8 is a schematic flow chart of a seventh embodiment of a self-service claim method according to the present application.
  • FIG. 9 is a schematic flowchart of the eighth embodiment of the self-service claim method of the present application.
  • FIG. 1 is a schematic structural diagram of a terminal in a hardware operating environment involved in an embodiment of the present application.
  • the server in this embodiment may be a terminal device such as a PC.
  • the terminal may include a processor 1001, such as a CPU, a network interface 1004, a user interface 1003, a memory 1005, and a communication bus 1002.
  • the communication bus 1002 is used to implement connection communication between these components.
  • the user interface 1003 can include a display, an input unit such as a keyboard, and the optional user interface 1003 can also include a standard wired interface, a wireless interface.
  • the network interface 1004 can optionally include a standard wired interface, a wireless interface (such as a WI-FI interface).
  • the memory 1005 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage.
  • the memory 1005 can also optionally be a storage device independent of the aforementioned processor 1001.
  • the terminal may further include a camera, RF (Radio) Frequency, RF) circuits, WiFi modules, and more.
  • RF Radio
  • the terminal structure shown in FIG. 1 does not constitute a limitation to the server, and may include more or less components than those illustrated, or some components may be combined, or different component arrangements.
  • an operating system, a network communication module, a user interface module, and a self-service claims program may be included in the memory 1005 as a computer storage medium.
  • a network communication module may be included in the memory 1005 as a computer storage medium.
  • the network interface 1004 is mainly used to connect to the background server and perform data communication with the background server;
  • the user interface 1003 is mainly used to connect the client (user end), and perform data communication with the client;
  • the processor 1001 may be used to invoke a self-service claims program stored in the memory 1005 and perform the self-service claims method described in any of the embodiments of the present invention.
  • the specific embodiment of the server of the present application is substantially the same as the embodiments of the self-service claims method described below, and details are not described herein.
  • the first embodiment of the self-service claim method of the present application provides a self-service claim method, where the self-service claim method includes:
  • Step S10 Upon receiving the input report request, obtain the insured person's identity and report information according to the report request.
  • the user can log in to the insurance claim system through the client or the webpage, and click the report button.
  • the server of the insurance claim system After detecting the user clicking the report button, the server of the insurance claim system provides a report page, and the report page includes an input box of each preset type of information item, for the user to input the basic information of the report, for example, the claim for the application.
  • the name of the insured person, the ID number, the type of the certificate, the age, the contact information, the insured customer number, the time of the insurance, the reason for the risk, the location of the insurance, the type of the insurance, the amount of the loss, etc. can be flexibly configured according to actual needs.
  • the server receives the confirmation instruction, it generates a report request, and uses the basic information recorded by the user on the report page as the information item carried in the report request.
  • the server obtains the insured identity and the report information according to the report request.
  • the server may extract the insured ID number or other ID number in the information item carried in the report request.
  • the server may verify the five basic information of the insured in the report information according to the insured information in the database. For example, the age and gender of the insured person are corrected according to the ID number.
  • the server uses the customer number in the report request as the insured identity to uniquely determine the insured.
  • the server can also verify whether the current user account has the right to report the case, that is, whether the current reporter has the right to report the case to the insured. For example, if the informant is the insured, it can be determined that the current user account has the authority to report the insured person; if the informant is the insured of the insured policy, it can be determined that the current user account has the authority to be The guarantor reported the case.
  • the control of the reporting authority can also flexibly set multiple rules according to actual needs.
  • the server While determining the identity of the insured, the server extracts the information item of the preset name or type in the information item carried in the report request, as the report information, including the time of the insurance, the reason for the risk, the place of the insurance, the type of the insurance, the amount of the loss, and the like. item.
  • Step S20 Acquire all the policies of the insured according to the insured identity.
  • the server looks up the insured's full policy in the database according to the insured's identity. For example, the server searches all the policies of the insured in the database according to the five basic information of the insured; or the server searches the database for all the policies of the insured according to the insured's customer number.
  • the policy lists information such as the agreement and agreement of the policyholder when purchasing insurance, such as the legal person of the policy, the insurance institution of the policy, insurance liability, exclusion liability, insurance type, insurance validity period, claim statute, fixed-point hospital and other information.
  • Step S30 Filter out, according to the report information, the policy that can be paid for in this report.
  • the server After obtaining the information of this report and all the policies of the insured, the server selects the policy that can be paid for this report from all the policies of the insured according to the information of this report.
  • the server filters out the insured policy in the policy of the insured according to the current report information.
  • the server can filter out policies that are not valid for the policy and the policies that are not within the validity period of the claim based on the time of the insurance.
  • the server can filter out the policies that the insurance does not meet according to the risk.
  • the server can also filter out policies that are not in compliance with the policy legal person according to the risk.
  • the legal person of the policy is the legal representative of the institution that has the policy. For example, life insurance, health insurance, and auto insurance belong to different organizations, and the corresponding legal representatives are different.
  • the server can filter out off-site underwriting institutions that do not support off-site claims based on the location of the insurance.
  • the server can filter out the policy without liability according to the type of risk.
  • the types of risks include outpatient, hospitalization, disability, death, and physical damage. If the insured person's current type of insurance is outpatient, the property insurance policy needs to be filtered out; if the insured's type of insurance is hospitalized, the life insurance policy needs to be filtered out. Further, the server may also filter out policies that do not meet the rules of the designated hospital according to the hospital in which the insured person performs the treatment. Of course, you can also flexibly configure filtering rules based on actual needs.
  • the remaining policy is the policy that can be paid for this report.
  • the policy that the insured can pay for this report can also be referred to as a payable policy.
  • Step S40 Generate a corresponding claim case according to the claimable policy and the report information.
  • the server After obtaining the policy that can be paid for in this report, the server generates a corresponding claim case based on the report information and the payable policy, and files the case. The server can then assign the claim case to the corresponding claims review node for claims review.
  • the insured person's identity and the report information are obtained according to the report request, used to confirm the insured's identity, and the insured person's current risk situation; and then, according to the insured Personal identity to find all of its policies, used to screen out the policy that can be paid for this report, to avoid missing the policy; then, according to the report information, select the policy that can be paid for this report in the policy of the insured, and filter out Pay the insured's insurance policy for this time; then, generate a corresponding claim case based on the payable policy and report information, so as to facilitate the claims review.
  • the embodiment When receiving the report request, the embodiment automatically selects the policy that meets the claim rule and can pay the claim from the insured's entire policy according to the insured's identity and the report information, and generates a claim case, thereby realizing the application for claim settlement.
  • the automatic screening of the policy avoids the situation that the customer chooses the wrong policy and refuses to pay due to the customer's unclear or uncertain policy agreement, and reduces the proportion of the compensation. At the same time, it also reduces the invalid workload of the claim reviewer and improves the time limit of claim settlement. .
  • the second embodiment of the self-service claim method of the present application provides a self-service claim method, which is based on the first embodiment of the self-service claim method of the present application, where the report information includes a plurality of information items, and the step S30 Also includes:
  • Step S31 If all the information items satisfy the claim requirements of the same policy, determine that the policy is a policy that can be paid for the report;
  • Step S32 separately detecting whether the policies of the insured person are payable for the present report, and obtaining all the policies that can be paid for the current report.
  • the server When screening the policy that can be paid for this report, the server separately checks whether each policy is a payable policy.
  • the report information includes a plurality of information items, for example, the time of the insurance, the reason for the risk, the location of the insurance, the type of the insurance, the amount of the loss, and the like, and can be flexibly configured according to actual needs.
  • the server detects whether each item of information in the report information meets the claim requirement of the policy. For example, whether the time of the insurance in the report information is within the validity period of the policy, whether the time of the insurance is within the validity period of the claim; whether the risk is applicable to the insurance policy, whether it is within the insurance liability of the policy, whether it is an exclusion liability; Whether the type is within the insurance liability of the policy, whether it is an exclusion liability; whether the amount of the reported loss is within the compensation amount stipulated in the policy.
  • the server separately checks whether each policy is a policy that can be paid for this report, and obtains all the policies that can be paid for this report. After obtaining all the insurance policies that can be paid for this report, the server will make a claim based on the report information and the policy that can be paid for this report.
  • the third embodiment of the self-service claim method of the present application provides a self-service claim method, based on the first embodiment or the second embodiment of the self-service claim method of the present application (this embodiment uses the self-service claim method of the present application)
  • An embodiment is an example.
  • the method further includes:
  • Step S51 acquiring the insurance type, the underwriting institution, and/or the legal person of the claimable insurance policy, and configuring the claims reviewing institution corresponding to the claim case;
  • Step S52 Send the claim case to the corresponding claim review institution for settlement review.
  • the server After obtaining the policy that can be paid for this report and generating a claim case, the server needs to send the claim case to the corresponding claims review agency for settlement review, speeding up the settlement of the claim.
  • the server obtains the insurance, underwriting institution, and/or legal person of the payable policy.
  • the type of insurance policy can specify the type of insurance policy, such as auto insurance, life insurance, property insurance, etc.; the insurance company purchases insurance for customers, and the insurance company that signs the insurance policy; the legal person of the insurance policy refers to the legal representative of the underwriting institution.
  • the server determines the claim review institution corresponding to the payable policy, that is, the claim review institution corresponding to the claim case.
  • the server determines the corresponding auditing institution according to the insurance type, underwriting institution or legal person of the payable policy. For example, if the insurance type of the payable policy is auto insurance, the claim review institution corresponding to the claim case is determined to be the national insurance claim center; if the underwriting institution that can pay the policy is the insurance subsidiary of the place, the claim review institution corresponding to the claim case is determined. For this reason, the claim review center of the insurance subsidiary; if the legal person who can pay the policy is the legal person of the life insurance company, the claim review institution corresponding to the claim case is determined as the claim center of the life insurance company.
  • the server can also determine the claim review agency for the claim case based on two or more parameters.
  • the server determines the corresponding claim review institution according to the insurance type and the underwriting institution of the payable policy; the server determines the corresponding claim review institution according to the insurance type and the legal person of the payable policy; the server determines the corresponding claim according to the underwriting institution and the legal person of the payable policy
  • the auditing agency; the server determines the corresponding claims reviewing agency according to the insurance type, underwriting institution and legal person of the payable policy.
  • the insurance type of the payable policy is auto insurance
  • the underwriting institution is an insurance company in a certain place
  • the claim review institution corresponding to the claim case is determined as the auto insurance claim center of the insurance company.
  • the server sends the claim case to its corresponding claims review agency for claims review, and speeds up the review of the claims case.
  • This embodiment achieves the timeliness of speeding up the claims review.
  • the fourth embodiment of the self-service claim method of the present application provides a self-service claim method, which is based on the third embodiment of the self-service claim method of the present application.
  • the method further includes:
  • Step S61 when receiving the claim instruction of the claim review institution, determining the amount of the payment for payment according to the claim instruction;
  • Step S62 Determine the claim account according to the insured institution and/or the legal person of the payable policy, and pay the claim payment to the claim account to perform the claim case payment.
  • the server can obtain the payable policy and the payout amount in the claim.
  • the server determines the claim account based on the underwriting institution and/or legal person that can pay the policy. It should be noted that the server may separately search for the corresponding claim account in the database according to the underwriting institution or the legal person; or may check the corresponding claims account in the database according to the underwriting institution and the legal person respectively, and check whether the agreement is consistent.
  • the two claims accounts are consistent to determine the claims account of the claim; the server can also find the corresponding claims account in the database according to the two parameters of the underwriting institution and the legal person to improve the accuracy of the claim account.
  • the server pays the claim payment to the claim account by means of transfer, etc., and the underwriting institution that can pay the policy pays the payout to the beneficiary, pays the insured person, and completes the payment of the claim case.
  • the amount of payment is the amount carried in the claim.
  • the embodiment realizes the process control of the insurance claim report and the payment, improves the process time limit of the claim settlement, and can provide compensation for the customer as soon as possible, thereby improving the customer experience.
  • the fifth embodiment of the self-service claim method of the present application provides a self-service claim method, which is based on any one of the first to fifth self-solving methods of the present application.
  • the embodiment has a plurality of the payable policies, and the step S40 includes:
  • Step S41 Generate corresponding claim cases according to the respective payable policies and the report information.
  • the server When the server detects that there are multiple payable policies, the server generates corresponding claims cases according to the respective payable policies and report information. Then, the server determines the corresponding claims review institution according to the insurance types, underwriting institutions and/or legal persons of each payable policy, and sends each claim case to the corresponding claim review institution for review, thereby realizing the diversion review of various policies and speeding up The speed of claims settlement.
  • the server determines the corresponding claims review institution according to the insurance types, underwriting institutions and/or legal persons of each payable policy, and sends each claim case to the corresponding claim review institution for review, thereby realizing the diversion review of various policies and speeding up The speed of claims settlement.
  • the amount of the payable policy and the payment for the payment must be determined according to the claim. Then, the claim institution and/or the legal person who determines the payable policy determines the claim account, and pays the claim payment to the claim account for settlement.
  • This embodiment realizes the diversion of claims cases and speeds up the processing of claims cases.
  • the sixth embodiment of the self-service claim method of the present application provides a self-service claim method, which is based on any one of the first to fifth self-solving methods of the present application (the first embodiment of the present application is the self-service claim method of the present application).
  • the embodiment is an example.
  • the method further includes:
  • Step S71 Acquire the credit information of the insured, and determine the risk of the insured according to the information of the insured of the insured;
  • Step S72 determining, according to the risk of the insured, a data acquiring rule of the claim case
  • Step S73 If the data collection rule of the claim case is a claim form, the claim case is paid according to the report loss amount in the report information.
  • the server After filing the insured's payable policy, the server obtains the credit information of the insured. It should be noted that the server may search for the information of the insured's credit information according to the insured's identity from the credit information database configured by the insurance company, or may search for the insured's credit information from the credit information database provided by the third party company. .
  • the information received by the server for the insured person includes credit overdue risk, administrative negative risk, fraud risk, untrustworthy executed person (the court decision refuses to execute), the executed person (there is a court judgment to be executed), serious traffic violation (detention, The license number is revoked, the mobile phone number is at risk of fraud, the card number is at risk of fraud, the ID number is fraudulent, and there is a risk of fraud.
  • the risks in the credit information of the insured person provided by the third-party database can be quantitatively characterized according to the degree of risk using the risk level, or can be qualitatively characterized by the presence or absence of risk.
  • the server converts each risk level and whether there is a risk in the credit information into a specific risk score according to a preset score mapping table, thereby Obtain the risk scores of the insured.
  • the insured has good driving behavior and no serious traffic violation.
  • the corresponding risk score is 10 points.
  • the insured's ID number has fraud risk and the risk level is higher. High, the corresponding risk score is lower, may be 1 point; the insured's card number has fraud risk, but the risk level is lower, and the corresponding risk score is lower, which may be 7 points.
  • the server calculates the credit score of the insured according to the risk scores in the insured person's credit information and the weight scores corresponding to the preset risks, and the obtained credit scores reflect the The overall risk of the insurance.
  • the server multiplies each risk score by its corresponding weight score to obtain a score of each risk; then, the server adds the scores of the risks, and the obtained value is the insured. The final credit score.
  • other algorithms can be configured to calculate the credit score according to actual needs.
  • the server determines the data collection rule of the claim case according to the risk situation of the insured. Specifically, the server may query the preset mapping table, and obtain the data acquiring rule corresponding to the insured person's credit score as the data acquiring rule of the claim case.
  • the preset mapping table records the acquiring rules corresponding to the credit scores of the insured, and may be divided into different types of crediting intervals, and different crediting score ranges corresponding to different acquiring rules.
  • the data collection rules include whether to collect proof of claim information and when to collect proof of claim information, such as the no-receipt, first pay, then receive, first pay and then pay, etc., can be flexibly configured according to actual needs.
  • the server directly pays the corresponding payment to the account of the underwriting institution according to the reported loss amount in the report information, and the underwriting institution performs the Paying, no need to collect the insured's proof of claim information.
  • the server will pay the claim payment corresponding to the report amount to the account of the underwriting institution.
  • the underwriting agency pays.
  • the institutional floating amount can also be set in advance. If the reported loss amount in the report information does not exceed the sum of the exempted form limit amount and the institutional floating amount, the server pays the claim payment corresponding to the reported amount to the underwriting institution. The account is paid by the underwriting agency.
  • the claimant proof data is directly paid out, which provides convenience for the customer, greatly shortens the claim time and improves the time.
  • the claims experience of quality customers.
  • the seventh embodiment of the self-service claim method of the present application provides a self-service claim method, which is based on the sixth embodiment of the self-service claim method of the present application, and after the step S72, the method further includes:
  • Step S74 If the data collection rule of the claim case is a prepaid payment, the claim payment is performed according to the reported loss amount in the report information;
  • step S75 the configuration data requirement interface receives the entered claim proof data for review.
  • the server first pays the claim based on the reported loss amount in the report information, and then The server reconfigures the data requirement interface to inform the user of the claim proof materials that need to be provided.
  • the related prompts can also be configured to prompt the user how to obtain the proof of claim information and how to upload the proof of claim information.
  • the server may be separately configured according to each payable policy, or a unified data requirement interface may be configured, and the configuration may be flexibly configured according to requirements.
  • the user can upload the corresponding claim proof information in the data requirement interface. After receiving the uploaded claim proof information, the server may send the claim proof information to the claim review agency corresponding to the claim case for review, or may be reviewed by the unified claims review center.
  • This embodiment provides a quick claim channel for ordinary customers.
  • a medium-sized, medium-risk customer can obtain compensation and then upload claims proof data, so that the payment can be quickly and timely, and the insurance company can avoid certain risks.
  • the eighth embodiment of the self-service claim method of the present application provides a self-service claim method, which is based on the sixth embodiment of the self-service claim method of the present application.
  • the method further includes:
  • Step S76 If the data collection rule of the claim case is the first payment and the post payment, the data requirement interface is configured, and the entered claim proof data is received for review.
  • the server configuration data request interface is used for the client to enter the claim proof data for review. After the customer enters the corresponding claim proof data according to the data requirement, the server sends the claim case to the corresponding claim review agency for review, and then pays the claim after the claims review agency approves and passes the feedback claim.
  • This embodiment effectively avoids fraudulent incidents of credit risk and high-risk customers.
  • the embodiment of the present application further provides a self-service claims device, where the self-service claims device includes:
  • the report module is configured to obtain the insured person's identity and report information according to the report request when receiving the input report request;
  • a policy module for obtaining all the policies of the insured according to the insured person's identity
  • a screening module configured to screen out, according to the report information, a policy that can be paid for the report in the entire policy
  • the matching module is configured to generate a corresponding claim case according to the payable policy and the report information.
  • the report information includes multiple information items
  • the screening module is further configured to:
  • the policy is a policy that can be paid for the report; respectively, whether the policy of the insured is a policy that can be paid for the report, and obtains all the policies. The policy that can be paid for this report.
  • the self-service claims device further includes:
  • the auditing module is configured to obtain the insurance type, the underwriting institution and/or the legal person of the claimable insurance policy, and configure the claim reviewing institution corresponding to the claim case; and send the claim case to the corresponding claim review institution for review.
  • the auditing module is further configured to:
  • the matching module is further used,
  • Corresponding claim cases are generated according to the respective payable policies and the report information.
  • the self-service claims device further includes:
  • a claim module configured to obtain the credit information of the insured, determine the risk of the insured according to the information of the insured of the insured; and determine the information of the claim based on the risk of the insured The acquiring rule; if the data collecting rule of the claim case is a claim, the claim is paid according to the reported loss amount in the report information.
  • the claim module is further configured to:
  • the data collection rule of the claim case is prepaid, the claim is paid according to the reported loss amount in the report information; the data request interface is configured, and the entered claim proof data is received for review.
  • the claim module is further configured to:
  • the data collection rule of the claim case is the first payment and then the payment, the data requirement interface is configured, and the entered claim proof data is received for review.
  • the embodiment of the present application further provides a computer readable storage medium, where the self-service claims program is stored on the computer readable storage medium, and the self-service claim program is executed by the processor to implement any one of the embodiments of the present invention.
  • Self-assisted compensation method The specific embodiment of the computer readable storage medium of the present application is substantially the same as the embodiment of the above self-service claims method, and details are not described herein.
  • the technical solution of the present application which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM, disk,
  • a storage medium such as ROM/RAM, disk,
  • the optical disc includes a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the methods described in various embodiments of the present application.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Human Resources & Organizations (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Finance (AREA)
  • Entrepreneurship & Innovation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Tourism & Hospitality (AREA)
  • Quality & Reliability (AREA)
  • Data Mining & Analysis (AREA)
  • Operations Research (AREA)
  • Development Economics (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

本申请公开了一种自助理赔方法，该方法包括：在收到输入的报案请求时，根据所述报案请求获取被保人身份及报案信息；根据所述被保人身份获取所述被保人的全部保单；根据所述报案信息，在所述全部保单中筛选出本次报案可赔付的保单；根据所述可赔付的保单及所述报案信息生成对应的理赔案件。本申请还公开了一种自助理赔装置、服务器和计算机可读存储介质。本申请实现了申请理赔的保单的自动筛选，降低了拒赔比例，提高了理赔时效。

Description

自助理赔方法、装置、服务器和计算机可读存储介质
本申请要求于2017年6月21日提交中国专利局、申请号为201710479073.7、发明名称为“自助理赔方法、服务器和计算机可读存储介质”的中国专利申请的优先权，其全部内容通过引用结合在申请中。
技术领域
本申请涉及保险技术领域，尤其涉及一种自助理赔方法、装置、服务器和计算机可读存储介质。
背景技术
随着人们保险意识的提高，越来越多的人购买了人寿、意外等保险，进行风险管理。当被保人由于意外事故等原因申请理赔时，被保人需要在其购买的保单中选择申请赔付的保单，向保险公司提交理赔申请。由于普通客户通常对保险的了解不够深入、专业，若客户不清楚或不确定保单具体的协议约定，容易选错保单提交理赔申请，导致理赔被拒，需要客户重新选择保单申请理赔，重复递交资料。这样，会致使保险公司的据赔率升高，不仅影响了客户的体验，而且加重了理赔审核人的工作量，理赔周期长，降低了理赔效率。
发明内容
本申请的主要目的在于提供一种自助理赔方法、装置、服务器和计算机可读存储介质，旨在解决保险据赔率高的技术问题。
为实现上述目的，本申请提供一种自助理赔方法，所述自助理赔方法包括以下步骤：
在收到输入的报案请求时，根据所述报案请求获取被保人身份及报案信息；
根据所述被保人身份获取所述被保人的全部保单；
根据所述报案信息，在所述全部保单中筛选出本次报案可赔付的保单；
根据所述可赔付的保单及所述报案信息生成对应的理赔案件。
此外，为实现上述目的，本申请还提供一种自助理赔装置，其特征在于，所述自助理赔装置包括：
报案模块，用于在收到输入的报案请求时，根据所述报案请求获取被保人身份及报案信息；
保单模块，用于根据所述被保人身份获取所述被保人的全部保单；
筛选模块，用于根据所述报案信息，在所述全部保单中筛选出本次报案可赔付的保单；
配案模块，用于根据所述可赔付的保单及所述报案信息生成对应的理赔案件。
此外，为实现上述目的，本申请还提供一种服务器，所述服务器包括：存储器、处理器及存储在所述存储器上并可在所述处理器上运行的自助理赔程序，所述自助理赔程序被所述处理器执行时实现上述自助理赔方法任一项所述的自助理赔方法的步骤。
此外，为实现上述目的，本申请还提供一种计算机可读存储介质，所述计算机可读存储介质上存储有自助理赔程序，所述自助理赔程序被处理器执行时实现上述自助理赔方法任一项所述的自助理赔方法的步骤。
本申请实施例提出的一种自助理赔方法、装置、服务器和计算机可读存储介质，通过在收到输入的报案请求时，根据报案请求获取被保人身份及报案信息，用于确认被保人身份，了解被保人本次的出险情况；然后，根据被保人身份查找其全部保单，用于筛选出本次报案可赔付的保单，避免遗漏保单；然后，根据报案信息，在被保人的全部保单中筛选出本次报案可赔付的保单，过滤掉无法赔付被保人本次出险的保单；然后，根据可赔付的保单及报案信息生成对应的理赔案件，以便于进行理赔审核。本申请在收到报案请求时，自动根据被保人身份和报案信息，从被保人的全部保单中筛选出符合理赔规则、能够进行赔付的保单，生成理赔案件，从而实现了申请理赔的保单的自动筛选，避免由于客户不清楚或不确定保单具体协议约定而选错保单导致拒付的情况，降低了拒赔比例；同时，也减少了理赔审核人员的无效工作量，提高了理赔时效。
附图说明
图1是本申请实施例方案涉及的硬件运行环境的终端结构示意图；
图2为本申请自助理赔方法第一实施例的流程示意图；
图3为本申请自助理赔方法第二实施例的流程示意图；
图4为本申请自助理赔方法第三实施例的流程示意图；
图5为本申请自助理赔方法第四实施例的流程示意图；
图6为本申请自助理赔方法第五实施例的流程示意图；
图7为本申请自助理赔方法第六实施例的流程示意图；
图8为本申请自助理赔方法第七实施例的流程示意图；
图9为本申请自助理赔方法第八实施例的流程示意图。
本申请目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
如图1所示，图1是本申请实施例方案涉及的硬件运行环境的终端结构示意图。本申请实施例服务器可以是PC等终端设备。如图1所示，该终端可以包括：处理器1001，例如CPU，网络接口1004，用户接口1003，存储器1005，通信总线1002。其中，通信总线1002用于实现这些组件之间的连接通信。用户接口1003可以包括显示屏（Display）、输入单元比如键盘（Keyboard），可选用户接口1003还可以包括标准的有线接口、无线接口。网络接口1004可选的可以包括标准的有线接口、无线接口（如WI-FI接口）。存储器1005可以是高速RAM存储器，也可以是稳定的存储器（non-volatile memory），例如磁盘存储器。存储器1005可选的还可以是独立于前述处理器1001的存储装置。可选地，终端还可以包括摄像头、RF（Radio Frequency，射频）电路，WiFi模块等等。本领域技术人员可以理解，图1中示出的终端结构并不构成对服务器的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。如图1所示，作为一种计算机存储介质的存储器1005中可以包括操作系统、网络通信模块、用户接口模块以及自助理赔程序。在图1所示的终端中，网络接口1004主要用于连接后台服务器，与后台服务器进行数据通信；用户接口1003主要用于连接客户端（用户端），与客户端进行数据通信；而处理器1001可以用于调用存储器1005中存储的自助理赔程序，并执行本发明任一实施例所述的自助理赔方法。本申请服务器的具体实施例与下述自助理赔方法各实施例基本相同，在此不作赘述。
参照图2，本申请自助理赔方法第一实施例提供一种自助理赔方法，所述自助理赔方法包括：
步骤S10、在收到输入的报案请求时，根据所述报案请求获取被保人身份及报案信息。
具体的，当用户有理赔需求时，可以通过客户端或是网页，使用用户账户登录保险理赔系统，点击报案按钮。
保险理赔系统的服务器在检测到用户点击报案按钮后，提供报案页面，报案页面中包含各预设类型的信息项的录入框，供用户录入本次报案的各项基本信息，例如此次申请理赔的被保人姓名、证件号码、证件类型、年龄、联系方式，被保人客户号，出险时间、出险原因、出险地点、出险类型、报损金额等等信息项，可根据实际需要灵活配置。然后，用户点击信息确认按钮，输入确认指令。服务器在收到确认指令时，生成报案请求，并将用户在报案页面录入的各项基本信息作为报案请求携带的信息项。
然后，服务器根据报案请求获取被保人身份和报案信息。具体的，作为一种实施方式，服务器可以在报案请求携带的信息项中提取被保人身份证号或其他证件号码。然后，根据被保人身份证号或其他证件号码在数据库中查找对应的被保人，并获取此被保人的五项基本信息，包括姓名、性别、证件号码、证件号类型及年龄，作为被保人身份。当然，若报案请求携带的信息项中包含被保人的五项基本信息，则服务器可以根据数据库中的被保人信息，对报案信息中的被保人五项基本信息进行校验。例如，根据身份证号校正被保人的年龄、性别。作为另外一种实施方式，若报案请求携带的信息项中携带有被保人的客户号，则服务器将报案请求中的客户号作为被保人身份，用来唯一确定此被保人。
进一步地，服务器还可以核验当前用户账户是否有报案权限，也即判断当前报案人是否有权限为此被保人报案。例如，若报案人即为此被保人，则可以判定当前用户账户有权限为此被保人报案；若报案人为此被保人保单的投保人，则可以判定当前用户账户有权限为此被保人报案。当然，对报案权限的管控还可以根据实际需求灵活设置多条规则。
在确定被保人身份的同时，服务器在报案请求携带的信息项中提取预设名称或类型的信息项，作为报案信息，包括出险时间、出险原因、出险地点、出险类型、报损金额等信息项。
步骤S20、根据所述被保人身份获取所述被保人的全部保单。
在得到被保人身份后，服务器根据被保人身份，在数据库中查找被保人的全部保单。例如，服务器根据根据被保人的五项基本信息在数据库中查找此被保人的全部保单；或服务器根据被保人的客户号，在数据库中查找此被保人的全部保单。需要说明的是，保单中记载了投保人购买保险时的协议和约定等信息，例如保单的法人、保单的承保机构、保险责任、除外责任、险种、保险有效期、索赔时效、定点医院等信息。
步骤S30、根据所述报案信息，在所述全部保单中筛选出本次报案可赔付的保单。
在得到本次报案信息和被保人的全部保单后，服务器根据本次报案信息，在被保人的全部保单中筛选出本次报案可以赔付的保单。
具体的，作为一种实施方式，服务器根据本次报案信息，在被保人的全部保单中过滤掉本次无法赔付的保单。例如，服务器可以根据出险时间过滤掉不在保单有效期的保单，以及不在理赔有效期内的保单。服务器可以根据出险原因过滤掉险种不符合的保单。例如，若出险原因为疾病，则需要过滤掉车险、意外险等险种的保单。当然，服务器还可以根据出险原因过滤掉保单法人不符合的保单。保单的法人是指出具保单的机构的法定代表人，例如，寿险、健康险、车险分属不同的机构，对应的法定代表人也不同。若被保人当前的出险原因为疾病，则需要过滤掉车险机构法人和寿险机构法人所在的保单。服务器可以根据出险地点，过滤掉不支持异地赔付的异地承保机构。服务器可以根据出险类型，过滤掉没有赔偿责任的保单。例如，出险类型包括门诊、住院、伤残、死亡、物损等。若被保人当前的出险类型为门诊，则需要过滤掉产险保单；若被保人的出险类型为住院，则需要过滤掉寿险保单。进一步地，服务器还可以根据被保人进行诊疗的医院，过滤掉不符合定点医院规则的保单。当然，还可以根据实际需要，灵活配置过滤规则。
在将被保人全部保单中本次无法赔付的保单过滤掉后，剩下的保单即为本次报案可赔付的保单。由此，得到被保人本次报案可赔付的保单，也可简称为可赔付保单。
步骤S40、根据所述可赔付的保单及所述报案信息生成对应的理赔案件。
在得到本次报案可赔付的保单后，服务器根据报案信息及可赔付保单生成对应的理赔案件，进行立案。然后，服务器可以将理赔案件分配给对应的理赔审核节点进行理赔审核。
在本实施例中，在收到输入的报案请求时，根据报案请求获取被保人身份及报案信息，用于确认被保人身份，了解被保人本次的出险情况；然后，根据被保人身份查找其全部保单，用于筛选出本次报案可赔付的保单，避免遗漏保单；然后，根据报案信息，在被保人的全部保单中筛选出本次报案可赔付的保单，过滤掉无法赔付被保人本次出险的保单；然后，根据可赔付的保单及报案信息生成对应的理赔案件，以便于进行理赔审核。本实施例在收到报案请求时，自动根据被保人身份和报案信息，从被保人的全部保单中筛选出符合理赔规则、能够进行赔付的保单，生成理赔案件，从而实现了申请理赔的保单的自动筛选，避免由于客户不清楚或不确定保单具体协议约定而选错保单导致拒付的情况，降低了拒赔比例；同时，也减少了理赔审核人员的无效工作量，提高了理赔时效。
进一步地，参照图3，本申请自助理赔方法第二实施例提供一种自助理赔方法，基于上述本申请自助理赔方法第一实施例，所述报案信息中包括多个信息项，所述步骤S30还包括：
步骤S31、若所述各信息项全部满足同一保单的理赔要求，则判定所述保单为本次报案可赔付的保单；
步骤S32、分别检测所述被保人的各保单是否为本次报案可赔付的保单，获取全部本次报案可赔付的保单。
在筛选本次报案可赔付的保单时，服务器分别检测各保单是否为可赔付的保单。作为一种实施方式，报案信息中包括多个信息项，例如：出险时间、出险原因、出险地点、出险类型、报损金额等，可根据实际需要灵活配置。
具体的，服务器检测报案信息中的各信息项是否满足保单的理赔要求。例如，检测报案信息中的出险时间是否在保单的有效期内，出险时间是否在理赔有效期内；检测出险原因是否适用于保单的险种，是否在保单的保险责任范围内，是否为除外责任；检测出险类型是否在保单的保险责任范围内，是否为除外责任；检测报损金额是否在保单约定的赔偿金额内。若报案信息中的各信息项均满足保单的理赔要求，则判定此保单为本次报案可赔付的保单；若报案信息中的任一信息项不满足保单的理赔要求，则判定此保单为本次报案不可赔付的保单。由此，服务器分别检测各保单是否为本次报案可赔付的保单，并获取全部的本次报案可赔付的保单。在得到全部的本次报案可赔付的保单后，服务器根据报案信息和本次报案可赔付的保单，进行理赔立案。
本实施例通过对本次报案信息中的各信息项进行严格检测，在确定报案信息全部满足保单的理赔要求后，才确定保单为本次报案可赔付的保单，保障了筛选出的保单的准确性，提升理赔时效。
进一步地，参照图4，本申请自助理赔方法第三实施例提供一种自助理赔方法，基于上述本申请自助理赔方法第一实施例或第二实施例（本实施例以本申请自助理赔方法第一实施例为例），所述步骤S40之后，还包括：
步骤S51、获取所述可赔付保单的险种、承保机构和/或法人，配置所述理赔案件对应的理赔审核机构；
步骤S52、将所述理赔案件发送给对应的理赔审核机构进行理赔审核。
在得到本次报案可赔付的保单并生成理赔案件后，服务器需要将理赔案件发送到对应的理赔审核机构进行理赔审核，加快理赔审核速度。具体的，服务器获取可赔付保单的险种、承保机构和/或法人。其中，可赔付保单的险种指定了保单的类型，例如车险、寿险、产险等等；承保机构为客户购买保险、签订保单的保险公司；保单的法人指承保机构的法定代表人。然后，服务器根据预设的理赔审核规则，确定可赔付保单对应的理赔审核机构，也即理赔案件对应的理赔审核机构。
作为一种实施方式，服务器根据可赔付保单的险种、承保机构或法人，确定对应的审核机构。例如，若可赔付保单的险种为车险，则确定理赔案件对应的理赔审核机构为车险全国理赔中心；若可赔付保单的承保机构为某地的保险子公司，则确定理赔案件对应的理赔审核机构为此保险子公司的理赔审核中心；若可赔付保单的法人为寿险公司的法人，则确定理赔案件对应的理赔审核机构为此寿险公司的理赔中心。
当然，服务器还可以根据两个或多个参数，确定理赔案件的理赔审核机构。服务器根据可赔付保单的险种和承保机构，确定对应的理赔审核机构；服务器根据可赔付保单的险种和法人，确定对应的理赔审核机构；服务器根据可赔付保单的承保机构和法人，确定对应的理赔审核机构；服务器根据可赔付保单的险种、承保机构和法人，确定对应的理赔审核机构。例如，可赔付保单的险种为车险，承保机构为某地的保险公司，则确定理赔案件对应的理赔审核机构为此保险公司的车险理赔中心。
由此，得到了理赔案件对应的理赔审核机构。然后，服务器将理赔案件发送给其对应的理赔审核机构进行理赔审核，加快理赔案件的审核时效。
本实施例实现了加快理赔审核的时效。
进一步地，参照图5，本申请自助理赔方法第四实施例提供一种自助理赔方法，基于上述本申请自助理赔方法第三实施例，所述步骤S52之后，还包括：
步骤S61、在收到所述理赔审核机构的赔付指令时，根据所述赔付指令确定赔付款的金额；
步骤S62、根据所述可赔付保单的承保机构和/或法人确定理赔账户，将所述赔付款支付给所述理赔账户，以进行所述理赔案件的赔付。
在将理赔案件给到理赔审核机构进行审核后，服务器若收到理赔审核机构反馈的赔付指令，则获取赔付指令中的可赔付保单和赔付金额。然后，服务器根据可赔付保单的承保机构和/或法人，确定理赔账户。需要说明的是，服务器可以单独根据承保机构或法人，在数据库中查找对应的理赔账户；也可以在分别根据承保机构和法人，在数据库中查找对应的理赔账户后进行核对，判断是否一致，若两个理赔账户一致才确定本次理赔的理赔账户；服务器还可以根据承保机构和法人两个参数，在数据库中查找对应的理赔账户，提升理赔账户的准确性。由此，服务器在确定理赔账户后，通过转账等形式将赔付款支付给理赔账户，由可赔付保单的承保机构将赔付款支付给受益人，对被保人进行赔付，完成理赔案件的赔付。其中，赔付款金额即为赔付指令中携带的金额。
本实施例实现了对保险理赔报案和赔付的流程管控，提升了理赔的流程时效，能够尽快为客户提供赔偿，提升客户体验。
进一步地，参照图6，本申请自助理赔方法第五实施例提供一种自助理赔方法，基于上述本申请自助理赔方法第一至五任一实施例（本实施例以本申请自助理赔方法第一实施例为例），所述可赔付保单有多个，所述步骤S40包括：
步骤S41、分别根据所述各可赔付保单及所述报案信息生成对应的理赔案件。
当服务器检测到有多个可赔付保单时，服务器分别根据各可赔付保单和报案信息生成对应的理赔案件。然后，服务器分别根据各可赔付保单的险种、承保机构和/或法人，确定对应的理赔审核机构，将各理赔案件发送给对应的理赔审核机构进行审核，实现了多种保单的分流审核，加快了理赔审核速度。当然，在收到理赔审核机构的赔付指令时，需要根据赔付指令确定可赔付保单和赔付款的金额。然后，根据可赔付保单的承保机构和/或法人确定理赔账户，将赔付款支付给此理赔账户，进行理赔。
本实施例实现了理赔案件的分流，加快理赔案件的处理速度。
进一步的，参照图7，本申请自助理赔方法第六实施例提供一种自助理赔方法，基于上述本申请自助理赔方法第一至五任一实施例（本实施例以本申请自助理赔方法第一实施例为例），所述步骤S40之后，还包括：
步骤S71、获取所述被保人的征信信息，根据所述被保人的征信信息确定所述被保人的风险；
步骤S72、根据所述被保人的风险确定所述理赔案件的资料收单规则；
步骤S73、若所述理赔案件的资料收单规则为免收单，则根据所述报案信息中的报损金额进行所述理赔案件的赔付。
在对被保人的可赔付保单进行立案后，服务器获取被保人的征信信息。需要说明的是，服务器可以从保险公司配置的征信数据库中根据被保人身份查找被保人的征信信息，也可以从第三方公司提供的征信数据库中查找被保人的征信信息。
服务器得到的被保人征信信息包括信贷逾期风险、行政负面风险、欺诈风险、失信被执行人(法院判决拒不执行）、被执行人（存在法院判决需要执行）、交通严重违章（拘留、吊销执照等）、手机号存在欺诈风险、卡号存在欺诈风险、身份证号存在欺诈风险、存在欺诈风险等等。需要说明的是，第三方数据库提供的被保人征信信息中的各项风险可以根据风险程度使用风险等级进行定量表征，也可以用是否存在风险进行定性表征。
本实施例中，为便于对风险程度进行量化评估，服务器根据预设的分值映射表，将征信信息中的各项风险等级、是否存在风险等转换为具体的风险分值，由此，得到被保人的各项风险分值，例如，被保人驾驶行为良好，无交通严重违章，对应的风险分值为10分；被保人的身份证号存在欺诈风险，且风险的等级较高，对应的风险分值较低，可能为1分；被保人的卡号存在欺诈风险，但风险等级较低，对应的风险分值较低，可能为7分。
然后，服务器根据被保人征信信息中的各项风险分值，以及预设的各项风险对应的权重分值，计算被保人的征信分值，得到的征信分值反映了被保人整体的风险。作为一种实施方式，服务器分别将各项风险分值乘以其对应的权重分值，得到各项风险的得分；然后，服务器将各项风险的得分进行加和，得到值即为被保人最终的征信分值。当然，还可以根据实际需要配置其他算法进行征信分值的计算。
然后，服务器根据被保人的风险情况确定理赔案件的资料收单规则。具体的，服务器可以查询预设的映射表，获取被保人征信分值对应的资料收单规则作为理赔案件的资料收单规则。其中，预设的映射表中记载了被保人各征信分值对应的收单规则，可以通过划分分值区间的形式，不同的征信分值区间对应不同的收单规则。资料收单规则包括是否收取理赔证明资料以及何时收取理赔证明资料，例如免收单，先付后收，先收后付等规则，可根据实际需要灵活配置。
若被保人征信分值较高，对应的资料收单规则为免收单，则服务器直接根据报案信息中的报损金额，将对应的赔付款支付给承保机构的账户，由承保机构进行赔付，无需收取被保人的理赔证明资料。当然，为了避免骗保，还可以预先设置免收单限制金额，若报案信息中的报损金额不超过免收单限制金额，则服务器将报案金额对应的赔付款支付给承保机构的账户，由承保机构进行赔付。为了使得赔付更加灵活，还可以预先设置机构浮动金额，若报案信息中的报损金额不超过免收单限制金额与机构浮动金额之和，则服务器将报案金额对应的赔付款支付给承保机构的账户，由承保机构进行赔付。
由此，实现了自助理赔的快速赔付。
本实施例依据被保人的征信，在被保人征信较好、风险较小的情况下，免收理赔证明资料直接进行赔付，为客户提供了便利，大大缩短了理赔时间，提升了优质客户的理赔体验。
进一步地，参照图8，本申请自助理赔方法第七实施例提供一种自助理赔方法，基于上述本申请自助理赔方法第六实施例，所述步骤S72之后，还包括：
步骤S74、若所述理赔案件的资料收单规则为先付后收，则根据所述报案信息中的报损金额进行所述理赔案件的赔付；
步骤S75、配置资料需求界面，接收录入的理赔证明资料进行审核。
若被保人的征信分值中等，也即被保人的风险中等，对应的资料收单规则为先付后收，则服务器先根据报案信息中的报损金额进行理赔案件的赔付，然后，服务器再配置资料需求界面，告知用户其需要提供的理赔证明资料有哪些，当然，还可以配置相关的提示，以提示用户如何得到这些理赔证明资料，如何上传这些理赔证明资料。进一步地，服务器在配置资料需求界面时，可以根据各可赔付保单分别单独配置，也可以配置统一的资料需求界面，可根据需求灵活配置。用户可以在资料需求界面上传对应的理赔证明资料。服务器在收到上传的理赔证明资料后，可以将理赔证明资料发送给理赔案件对应的理赔审核机构进行审核，或是由统一的理赔审核中心进行审核。
本实施例为普通客户提供了快速理赔通道，征信中等、风险中等的客户可以先获得赔偿再上传理赔证明资料，从而能够快速、及时的拿到赔付款，保险公司也能规避一定的风险。
进一步地，参照图9，本申请自助理赔方法第八实施例提供一种自助理赔方法，基于上述本申请自助理赔方法第六实施例，所述步骤S72之后，还包括：
步骤S76、若所述理赔案件的资料收单规则为先收后付，则配置资料需求界面，接收录入的理赔证明资料进行审核。
若被保人的征信分值较低，风险较高，则不允许对此被保人先赔付，服务器配置资料需求界面，以供客户录入理赔证明资料进行审核。当客户根据资料需求录入对应的理赔证明资料后，服务器将理赔案件发送到对应的理赔审核机构进行审核，在理赔审核机构审核通过、反馈赔付指令后再进行赔付。
本实施例有效避免了征信差、高风险客户的骗保事件。
此外，本申请实施例还提出一种自助理赔装置，所述自助理赔装置包括：
报案模块，用于在收到输入的报案请求时，根据所述报案请求获取被保人身份及报案信息；
保单模块，用于根据所述被保人身份获取所述被保人的全部保单；
筛选模块，用于根据所述报案信息，在所述全部保单中筛选出本次报案可赔付的保单；
配案模块，用于根据所述可赔付的保单及所述报案信息生成对应的理赔案件。
可选地，所述报案信息中包括多个信息项，所述筛选模块还用于，
若所述各信息项全部满足同一保单的理赔要求，则判定所述保单为本次报案可赔付的保单；分别检测所述被保人的各保单是否为本次报案可赔付的保单，获取全部本次报案可赔付的保单。
可选地，所述自助理赔装置还包括：
审核模块，用于获取所述可赔付保单的险种、承保机构和/或法人，配置所述理赔案件对应的理赔审核机构；将所述理赔案件发送给对应的理赔审核机构进行审核。
可选地，所述审核模块还用于，
在收到所述理赔审核机构的赔付指令时，根据所述赔付指令确定赔付款的金额；根据所述可赔付保单的承保机构和/或法人确定理赔账户，将所述赔付款支付给所述理赔账户，以进行所述理赔案件的赔付。
可选地，所述可赔付保单有多个，所述配案模块还用于，
分别根据所述各可赔付保单及所述报案信息生成对应的理赔案件。
可选地，所述自助理赔装置还包括：
赔付模块，用于获取所述被保人的征信信息，根据所述被保人的征信信息确定所述被保人的风险；根据所述被保人的风险确定所述理赔案件的资料收单规则；若所述理赔案件的资料收单规则为免收单，则根据所述报案信息中的报损金额进行所述理赔案件的赔付。
可选地，所述赔付模块还用于，
若所述理赔案件的资料收单规则为先付后收，则根据所述报案信息中的报损金额进行所述理赔案件的赔付；配置资料需求界面，接收录入的理赔证明资料进行审核。
可选地，所述赔付模块还用于，
若所述理赔案件的资料收单规则为先收后付，则配置资料需求界面，接收录入的理赔证明资料进行审核。
本申请自助理赔装置的具体实施例与上述自助理赔方法各实施例基本相同，在此不作赘述。
此外，本申请实施例还提出一种计算机可读存储介质，所述计算机可读存储介质上存储有自助理赔程序，所述自助理赔程序被处理器执行时实现本发明任一实施例所述的自助理赔方法。本申请计算机可读存储介质的具体实施例与上述自助理赔方法各实施例基本相同，在此不作赘述。
还需要说明的是，在本文中，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者装置不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者装置所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、物品或者装置中还存在另外的相同要素。
上述本申请实施例序号仅仅为了描述，不代表实施例的优劣。通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质（如ROM/RAM、磁碟、光盘）中，包括若干指令用以使得一台终端设备（可以是手机，计算机，服务器，或者网络设备等）执行本申请各个实施例所述的方法。
以上仅为本申请的可选实施例，并非因此限制本申请的专利范围，凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本申请的专利保护范围内。

Claims (20)

  1. 一种自助理赔方法，其特征在于，所述自助理赔方法包括以下步骤：
    在收到输入的报案请求时，根据所述报案请求获取被保人身份及报案信息；
    根据所述被保人身份获取所述被保人的全部保单；
    根据所述报案信息，在所述全部保单中筛选出本次报案可赔付的保单；
    根据所述可赔付的保单及所述报案信息生成对应的理赔案件。
  2. 如权利要求1所述的自助理赔方法，其特征在于，所述报案信息中包括多个信息项，所述根据所述报案信息，在所述全部保单中筛选出本次报案可赔付的保单的步骤包括：
    若所述各信息项全部满足同一保单的理赔要求，则判定所述保单为本次报案可赔付的保单；
    分别检测所述被保人的各保单是否为本次报案可赔付的保单，获取全部本次报案可赔付的保单。
  3. 如权利要求1所述的自助理赔方法，其特征在于，在所述根据所述可赔付的保单及所述报案信息生成对应的理赔案件之后，所述自助理赔方法还包括：
    获取所述可赔付保单的险种、承保机构和/或法人，配置所述理赔案件对应的理赔审核机构；
    将所述理赔案件发送给对应的理赔审核机构进行审核。
  4. 如权利要求3所述的自助理赔方法，其特征在于，在所述将所述理赔案件发送给对应的理赔审核机构进行审核之后，所述自助理赔方法还包括：
    在收到所述理赔审核机构的赔付指令时，根据所述赔付指令确定赔付款的金额；
    根据所述可赔付保单的承保机构和/或法人确定理赔账户，将所述赔付款支付给所述理赔账户，以进行所述理赔案件的赔付。
  5. 如权利要求1所述的自助理赔方法，其特征在于，所述可赔付保单有多个，所述根据所述可赔付的保单及所述报案信息生成对应的理赔案件的步骤包括：
    分别根据所述各可赔付保单及所述报案信息生成对应的理赔案件。
  6. 如权利要求1所述的自助理赔方法，其特征在于，所述根据所述可赔付的保单及所述报案信息生成对应的理赔案件的步骤之后还包括：
    获取所述被保人的征信信息，根据所述被保人的征信信息确定所述被保人的风险；
    根据所述被保人的风险确定所述理赔案件的资料收单规则；
    若所述理赔案件的资料收单规则为免收单，则根据所述报案信息中的报损金额进行所述理赔案件的赔付。
  7. 如权利要求6所述的自助理赔方法，其特征在于，在所述根据所述被保人的风险确定所述理赔案件的资料收单规则之后，所述自助理赔方法还包括：
    若所述理赔案件的资料收单规则为先付后收，则根据所述报案信息中的报损金额进行所述理赔案件的赔付；
    配置资料需求界面，接收录入的理赔证明资料进行审核。
  8. 如权利要求6所述的自助理赔方法，其特征在于，在所述根据所述被保人的风险确定所述理赔案件的资料收单规则之后，所述自助理赔方法还包括：
    若所述理赔案件的资料收单规则为先收后付，则配置资料需求界面，接收录入的理赔证明资料进行审核。
  9. 一种自助理赔装置，其特征在于，所述自助理赔装置包括：
    报案模块，用于在收到输入的报案请求时，根据所述报案请求获取被保人身份及报案信息；
    保单模块，用于根据所述被保人身份获取所述被保人的全部保单；
    筛选模块，用于根据所述报案信息，在所述全部保单中筛选出本次报案可赔付的保单；
    配案模块，用于根据所述可赔付的保单及所述报案信息生成对应的理赔案件。
  10. 如权利要求9所述的自助理赔装置，其特征在于，所述报案信息中包括多个信息项，所述筛选模块还用于，
    若所述各信息项全部满足同一保单的理赔要求，则判定所述保单为本次报案可赔付的保单；分别检测所述被保人的各保单是否为本次报案可赔付的保单，获取全部本次报案可赔付的保单。
  11. 如权利要求9所述的自助理赔装置，其特征在于，所述自助理赔装置还包括：
    赔付模块，用于获取所述被保人的征信信息，根据所述被保人的征信信息确定所述被保人的风险；根据所述被保人的风险确定所述理赔案件的资料收单规则；若所述理赔案件的资料收单规则为免收单，则根据所述报案信息中的报损金额进行所述理赔案件的赔付。
  12. 如权利要求11所述的自助理赔装置，其特征在于，所述赔付模块还用于，
    若所述理赔案件的资料收单规则为先付后收，则根据所述报案信息中的报损金额进行所述理赔案件的赔付；配置资料需求界面，接收录入的理赔证明资料进行审核。
  13. 一种服务器，其特征在于，所述服务器包括：存储器、处理器及存储在所述存储器上并可在所述处理器上运行的自助理赔程序，所述自助理赔程序被所述处理器执行时实现如下步骤：
    在收到输入的报案请求时，根据所述报案请求获取被保人身份及报案信息；
    根据所述被保人身份获取所述被保人的全部保单；
    根据所述报案信息，在所述全部保单中筛选出本次报案可赔付的保单；
    根据所述可赔付的保单及所述报案信息生成对应的理赔案件。
  14. 如权利要求13所述的服务器，其特征在于，所述报案信息中包括多个信息项，所述自助理赔程序被所述处理器执行时还实现如下步骤：
    若所述各信息项全部满足同一保单的理赔要求，则判定所述保单为本次报案可赔付的保单；
    分别检测所述被保人的各保单是否为本次报案可赔付的保单，获取全部本次报案可赔付的保单。
  15. 如权利要求13所述的服务器，其特征在于，所述自助理赔程序被所述处理器执行时实现如下步骤：
    获取所述被保人的征信信息，根据所述被保人的征信信息确定所述被保人的风险；
    根据所述被保人的风险确定所述理赔案件的资料收单规则；
    若所述理赔案件的资料收单规则为免收单，则根据所述报案信息中的报损金额进行所述理赔案件的赔付。
  16. 如权利要求15所述的服务器，其特征在于，所述自助理赔程序被所述处理器执行时实现如下步骤：
    若所述理赔案件的资料收单规则为先付后收，则根据所述报案信息中的报损金额进行所述理赔案件的赔付；
    配置资料需求界面，接收录入的理赔证明资料进行审核。
  17. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有自助理赔程序，所述自助理赔程序被处理器执行时实现如下步骤：
    在收到输入的报案请求时，根据所述报案请求获取被保人身份及报案信息；
    根据所述被保人身份获取所述被保人的全部保单；
    根据所述报案信息，在所述全部保单中筛选出本次报案可赔付的保单；
    根据所述可赔付的保单及所述报案信息生成对应的理赔案件。
  18. 如权利要求17所述的计算机可读存储介质，其特征在于，所述报案信息中包括多个信息项，所述自助理赔程序被处理器执行时还实现如下步骤：
    若所述各信息项全部满足同一保单的理赔要求，则判定所述保单为本次报案可赔付的保单；
    分别检测所述被保人的各保单是否为本次报案可赔付的保单，获取全部本次报案可赔付的保单。
  19. 如权利要求17所述的计算机可读存储介质，其特征在于，所述自助理赔程序被处理器执行时还实现如下步骤：
    获取所述被保人的征信信息，根据所述被保人的征信信息确定所述被保人的风险；
    根据所述被保人的风险确定所述理赔案件的资料收单规则；
    若所述理赔案件的资料收单规则为免收单，则根据所述报案信息中的报损金额进行所述理赔案件的赔付。
  20. 如权利要求19所述的计算机可读存储介质，其特征在于，所述自助理赔程序被处理器执行时还实现如下步骤：
    若所述理赔案件的资料收单规则为先付后收，则根据所述报案信息中的报损金额进行所述理赔案件的赔付；
    配置资料需求界面，接收录入的理赔证明资料进行审核。
PCT/CN2018/082611 2017-06-21 2018-04-11 自助理赔方法、装置、服务器和计算机可读存储介质 WO2018233351A1 (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201710479073.7 2017-06-21
CN201710479073.7A CN108335214A (zh) 2017-06-21 2017-06-21 自助理赔方法、服务器和计算机可读存储介质

Publications (1)

Publication Number Publication Date
WO2018233351A1 true WO2018233351A1 (zh) 2018-12-27

Family

ID=62921981

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2018/082611 WO2018233351A1 (zh) 2017-06-21 2018-04-11 自助理赔方法、装置、服务器和计算机可读存储介质

Country Status (2)

Country Link
CN (1) CN108335214A (zh)
WO (1) WO2018233351A1 (zh)

Families Citing this family (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109118374A (zh) * 2018-08-09 2019-01-01 辽宁万象联合医疗科技有限公司 在线申请理赔的方法、装置及服务器
CN109165849A (zh) * 2018-08-27 2019-01-08 众安信息技术服务有限公司 风险评估方法和装置
CN109472705B (zh) * 2018-09-26 2024-04-26 平安健康保险股份有限公司 理赔方法、系统、计算机设备以及存储介质
TWI684157B (zh) * 2018-10-12 2020-02-01 南山人壽保險股份有限公司 一種基於行動載具之智能理賠系統
CN109544380A (zh) * 2018-10-31 2019-03-29 平安医疗健康管理股份有限公司 基于位置服务的理赔方法及相关产品
CN109523409A (zh) * 2018-11-09 2019-03-26 泰康保险集团股份有限公司 数据处理方法、装置、介质及电子设备
CN109544388B (zh) * 2018-11-23 2021-05-07 泰康保险集团股份有限公司 自动理赔方法、装置、电子设备、存储介质
CN109636629B (zh) * 2018-12-07 2021-07-02 泰康保险集团股份有限公司 保单数据的处理方法、装置、介质及电子设备
CN109767343A (zh) * 2018-12-13 2019-05-17 平安医疗健康管理股份有限公司 意外险核损数据处理方法、服务器及计算机可读存储介质
CN109785163A (zh) * 2018-12-13 2019-05-21 平安医疗健康管理股份有限公司 一种理赔请求处理方法、服务器及计算机可读存储介质
CN109360113B (zh) * 2018-12-14 2021-04-13 泰康保险集团股份有限公司 一种保单的自动理算方法、装置、介质及电子设备
CN110443716A (zh) * 2019-06-17 2019-11-12 中国平安财产保险股份有限公司 理赔方法、装置、计算机设备及存储介质
CN111242788A (zh) * 2019-12-31 2020-06-05 北京健康之家科技有限公司 业务数据处理方法、装置、存储介质及计算机设备
CN111461900A (zh) * 2020-03-18 2020-07-28 支付宝(杭州)信息技术有限公司 保险理赔清单的生成方法及其装置
CN112785149A (zh) * 2021-01-21 2021-05-11 中国平安财产保险股份有限公司 车辆自动理赔定损方法、系统、计算机设备及存储介质
CN113139791A (zh) * 2021-04-26 2021-07-20 南京知风之自网络科技有限公司 保险理赔服务管理系统
CN113283996A (zh) * 2021-05-27 2021-08-20 北京健康之家科技有限公司 一种保单筛选方法及存储介质

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104182916A (zh) * 2014-08-31 2014-12-03 上海报春通信科技有限公司 一种航班延误保险的主动理赔服务系统
CN104484824A (zh) * 2014-12-25 2015-04-01 上海亿保健康管理有限公司 消费数据转换成自动理赔信息的系统及其方法
CN105405053A (zh) * 2015-10-28 2016-03-16 上海商保通健康科技有限公司 人工智能理算系统
CN106780048A (zh) * 2016-11-28 2017-05-31 中国平安财产保险股份有限公司 一种智能车险的自助理赔方法、自助理赔装置及系统

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104182916A (zh) * 2014-08-31 2014-12-03 上海报春通信科技有限公司 一种航班延误保险的主动理赔服务系统
CN104484824A (zh) * 2014-12-25 2015-04-01 上海亿保健康管理有限公司 消费数据转换成自动理赔信息的系统及其方法
CN105405053A (zh) * 2015-10-28 2016-03-16 上海商保通健康科技有限公司 人工智能理算系统
CN106780048A (zh) * 2016-11-28 2017-05-31 中国平安财产保险股份有限公司 一种智能车险的自助理赔方法、自助理赔装置及系统

Also Published As

Publication number Publication date
CN108335214A (zh) 2018-07-27

Similar Documents

Publication Publication Date Title
WO2018233351A1 (zh) 自助理赔方法、装置、服务器和计算机可读存储介质
WO2019090986A1 (zh) 一种保险理赔案件的理算方法和装置
WO2018107610A1 (zh) 业务数据处理方法、系统、设备及计算机可读存储介质
WO2019037454A1 (zh) 保费缴纳方法、装置、设备及可读存储介质
WO2019037396A1 (zh) 账户清结算方法、装置、设备及存储介质
WO2019104877A1 (zh) 通过网站对接购买保险的方法、装置、设备及介质
WO2019090984A1 (zh) 一种保单责任明细的核对方法和装置
WO2019001087A1 (zh) 案件理赔方法、装置、服务器及计算机可读存储介质
WO2019127848A1 (zh) 核保方法、核保装置、核保设备及存储介质
WO2018233301A1 (zh) 产品推荐方法、装置、设备以及计算机可读存储介质
WO2018166314A1 (zh) 额度审批方法、装置、设备以及计算机可读存储介质
WO2019100604A1 (zh) 账户查询方法、装置、设备及计算机可读存储介质
WO2019061613A1 (zh) 贷款资质筛选方法、装置及计算机可读存储介质
WO2019090983A1 (zh) 基于医疗保险的理赔方法、装置及系统
WO2019109521A1 (zh) 视频面签身份审核方法、装置、设备及可读存储介质
WO2019061614A1 (zh) 贷款产品匹配方法、装置及计算机可读存储介质
WO2019140804A1 (zh) 一种可疑交易监测方法、装置、设备及存储介质
WO2016029818A1 (en) Method and system for processing food orders
WO2015131803A1 (en) Application recommending method and system
WO2019104876A1 (zh) 保险产品的推送方法、系统、终端、客户终端及存储介质
WO2017012200A1 (zh) 基于电子诊疗单的诊疗机构识别方法和网络医院平台
WO2017036007A1 (zh) 线上线下健康服务产品多级推广处理系统及方法
WO2019161615A1 (zh) 账单录入方法、系统、光学字符识别服务器和存储介质
WO2018036151A1 (zh) 保单处理方法、装置、设备以及计算机可读存储介质
WO2020224247A1 (zh) 基于区块链的数据溯源方法、装置、设备及可读存储介质

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 18820174

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205 DATED 15/05/2020)

122 Ep: pct application non-entry in european phase

Ref document number: 18820174

Country of ref document: EP

Kind code of ref document: A1