WO2018233393A1 - 投保校验的方法、装置、计算机设备及存储介质 - Google Patents

投保校验的方法、装置、计算机设备及存储介质 Download PDF

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Publication number
WO2018233393A1
WO2018233393A1 PCT/CN2018/086202 CN2018086202W WO2018233393A1 WO 2018233393 A1 WO2018233393 A1 WO 2018233393A1 CN 2018086202 W CN2018086202 W CN 2018086202W WO 2018233393 A1 WO2018233393 A1 WO 2018233393A1
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Prior art keywords
product
insured
insurance
type
determining
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English (en)
French (fr)
Inventor
姜云鹏
吴海波
凌剑
马向东
丁杰
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Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0282—Rating or review of business operators or products
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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

Definitions

  • the present application relates to the field of computer processing, and in particular, to a method, device, computer device and storage medium for insured verification.
  • the insurance company needs to insure the user's application for insurance, that is, to find Whether the user has had the same or similar insurance behavior before, if it is, the user belongs to the second insurance and refuses the application for insurance.
  • the traditional method of insurance verification is to manually check whether the user has insured the product before. It is not only time-consuming and labor-intensive, but also has a large underwriting risk due to the limited scope of the query.
  • a method, apparatus, computer device, and storage medium for insured verification are provided.
  • a method of insured verification including:
  • a device for insuring verification comprising:
  • a first extraction module configured to receive an application for insurance, and extract user information carried in the application for insurance
  • a number searching module configured to search for a customer number corresponding to the user information, where the customer number is used to uniquely identify a user
  • a second extraction module configured to extract, according to the insurance application, the insured product information corresponding to the insurance application
  • a category determining module configured to determine, according to the insured product information, an insurance type corresponding to the insured product information
  • a range determining module configured to determine, according to the insured category, a check range corresponding to the insured product information
  • a search module configured to search for a policy corresponding to the customer number within the verification range according to the customer number
  • the rejection module is configured to reject the insurance application if the corresponding policy is searched.
  • a computer device comprising a memory and one or more processors having stored therein computer readable instructions, the computer readable instructions being executed by the one or more processors such that the one or more The processor performs the following steps: receiving an application for insurance, and extracting user information carried in the application for insurance;
  • One or more non-transitory computer readable storage mediums storing computer readable instructions, when executed by one or more processors, cause the one or more processors to perform the following steps:
  • 1 is an application scenario diagram of a method of insured verification in accordance with one or more embodiments.
  • FIG. 2 is a block diagram of a computer device in accordance with one or more embodiments.
  • FIG. 3 is a flow diagram of a method of insured verification in accordance with one or more embodiments.
  • FIG. 4 is a flow diagram of a method of determining a check range corresponding to an insured product information based on a premium category, in accordance with one or more embodiments.
  • FIG. 5 is a flow chart showing a method for determining a verification range corresponding to the insured product information according to the insured category in another embodiment.
  • FIG. 6 is a flow diagram of a method of determining a check range corresponding to the insured product information based on the sales channel, product type and product attributes, and search area, in accordance with one or more embodiments.
  • FIG. 7 is a block diagram of an apparatus for insured verification in accordance with one or more embodiments.
  • FIG. 8 is a block diagram of a range determination module in accordance with one or more embodiments.
  • the method for insured verification provided by the present application can be applied to the application scenario as shown in FIG. 1.
  • the terminal 102 communicates with the server 104 over a network.
  • the terminal 102 can be, but is not limited to, various personal computers, notebook computers, smart phones, tablets, and portable wearable devices, and the server 104 can be implemented with a stand-alone server or a server cluster composed of a plurality of servers.
  • the terminal 102 sends an application for insurance to the server 104.
  • the server 104 After receiving the application for insurance, the server 104 extracts the user information carried in the application for insurance, and then searches for the customer number corresponding to the user information, where the customer number is used to uniquely identify a user;
  • the insurance application extracts the insured product information corresponding to the insurance application; determines an insurance type corresponding to the insurance product information according to the insurance product information; and determines a verification range corresponding to the insurance product information according to the insurance product category Searching for the policy corresponding to the customer number within the verification range according to the customer number; and rejecting the insurance application if the corresponding policy is searched.
  • the computer device can be a terminal or a server.
  • the terminal may be a personal computer or a mobile electronic device including at least one of a mobile phone, a tablet, a personal digital assistant, or a wearable device.
  • the server can be a standalone server or a server cluster.
  • the computer device includes a processor, memory, network interface coupled through a system bus.
  • the processor of the computer device is used to provide computing and control capabilities to support the operation of the entire computer device.
  • the memory of the computer device includes a non-transitory computer readable storage medium and an internal memory.
  • the non-volatile storage medium of the computer device can store an operating system and computer readable instructions that, when executed, cause the processor to perform a method of insured verification.
  • the network interface of the computer device is used for network communication. It will be understood by those skilled in the art that the structure shown in FIG. 2 is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation of the computer device to which the solution of the present application is applied.
  • the specific computer device may It includes more or fewer components than those shown in the figures, or some components are combined, or have different component arrangements.
  • a method for insured verification is proposed, which may be applied to a terminal or a server, and specifically includes the following steps:
  • Step 302 Receive an application for insurance, and extract user information carried in the application for insurance.
  • the insurance application is a request for insurance for an insurance product
  • the insurance request includes corresponding insurance product information
  • user information carrying the insurance user wherein the user information includes name and gender. , document type, document number and date of birth.
  • the user information may be obtained by receiving a user input information through the terminal after receiving the insurance application request, and receiving the user information input by the user through the interface. .
  • Step 304 Find a customer number corresponding to the user information, where the customer number is used to uniquely identify a user.
  • the customer number corresponding to the user information needs to be searched according to the user information, and the customer number is a unique identifier assigned by the insurance company to the applicant, and is used to uniquely identify a user.
  • the customer number corresponds to the user information, wherein the user information includes name, gender, document type, document number, and date of birth. That is to say, the customer number corresponds to a plurality of information such as the name, the document type, the document number, and the date of birth, that is, when the customer number is found, it is necessary to satisfy a plurality of conditions at the same time.
  • the process of finding the customer number according to the user information may adopt a loop traversal algorithm, for example, first screening out the data result set Z1 that meets the "name” condition, and then traversing the obtained data in the Z1 set according to the "gender” condition.
  • the result set Z2 then traversing the document type and the document number in the Z2 set to obtain the data result set Z3, until a result set meeting all the conditions is found, that is, the customer's customer number is obtained. If the customer's customer number is not found, it means that the customer has not invested in the insurance before, and there is no secondary insurance behavior.
  • Step 306 Extract the insured product information corresponding to the insurance application according to the application for insurance.
  • the application for insurance is a request for insurance for a certain product, so the insured product information corresponding to the application for insurance can be extracted according to the application for insurance.
  • the insured product information includes the name of the product, the product's insurance attribute, the product number, etc., wherein the product's insurance attribute refers to which type of insurance the product belongs to, such as health insurance or accident insurance, etc.
  • the product number refers to the only identifier assigned to the product. Used to uniquely identify the product.
  • Step 308 Determine an insurance type corresponding to the insured product information according to the insured product information.
  • the scope of the search should include the covered policy and the policy being insured. Specifically, after the insured product information is obtained, the corresponding insured category is determined according to the insured product information.
  • the insurance coverage category to which the insured product belongs is pre-divided, and the specific division method can be classified by the multi-class classification algorithm. For example, insurance products can be classified according to product type and product attributes.
  • Product types are classified into personal types and group types.
  • Product attributes refer to the type of insurance to which the product belongs, for example, whether it is health insurance or accident insurance. or others.
  • the product type and product attributes of each product are unique, so the corresponding products can be classified according to the product type and product attributes. For example, suppose the product type is divided into two types, and the type of insurance is divided into six types. Then, by arranging and combining, different products can be divided into 12 types.
  • insurance companies include a variety of sales channels, sales channels refer to the way products are sold, including bank sales, salesman sales, online sales and other sales methods.
  • the corresponding sales channel can also be stored correspondingly to the insurance category, that is, the insurance category is combined with product attributes, product types and sales channels. Corresponding storage is performed, and once the insurance category is determined, it is equivalent to determining the product attributes, product types, and sales channels corresponding to the insurance category.
  • Step 310 Determine a verification range corresponding to the insured product information according to the insured category.
  • the verification range corresponding to the insured product information is determined according to the insured category to which the insured product belongs, wherein the insured category is pre-divided according to a multi-factor, for example, if the product type and the product attribute are in advance If it is divided, then the corresponding product type and product attribute can be determined according to the insurance category, and then the product type and product attribute are used as search restriction conditions to determine the corresponding calibration range. If the insured category is stored in association with the product type, product attributes and sales channels in advance, then the corresponding sales channel (possibly multiple), product type (individual or group) and product attributes can be determined according to the insured category. (Type of insurance), by using the sales channel, product type, and product attributes as search restrictions, and subsequently searching for the policy corresponding to the customer number in the case of the restriction condition.
  • Type of insurance by using the sales channel, product type, and product attributes as search restrictions, and subsequently searching for the policy corresponding to the customer number in the case of the restriction condition.
  • Step 312 searching for a policy corresponding to the customer number within the verification range according to the customer number.
  • the corresponding calibration range is limited according to the insurance category, so that the policy matching the customer number can be quickly found according to the customer number within the calibration range of the limit.
  • the insured category is corresponding to the sales channel, the product attribute, and the product type, and one insured category may correspond to multiple sales channels, so when searching according to the customer number, the sales channel may use a fuzzy matching algorithm to perform screening.
  • Product types and product attributes are deterministic, so an exact match algorithm can be used for screening. Search for the policy corresponding to the customer number within the scope of the product type, product attributes, and sales channel restrictions based on the customer number.
  • the policy includes the covered insurance policy and the insurance policy being insured.
  • step 3144 if the corresponding policy is found, the application for insurance is rejected.
  • the policy corresponding to the customer number is found within the limited calibration range by the customer number, it indicates that the user has previously insured for the same product or the same product, and the application for the insurance belongs to two. I was insured, so I refused this application. If not found, it means that it is not a secondary insurance, and can accept the corresponding application for insurance.
  • Insuring and verifying the information on the insured products for the application for insurance it can effectively prevent the behavior of secondary insurance, that is, effectively preventing the malicious insured behavior, greatly reducing the risk of subsequent underwriting.
  • Underwriting means that the insurer is insuring After the person proposes to make a request for insurance, he or she is considered to be insured under the conditions of the insurance and agrees to accept the application of the policyholder and assume the insurance liability stipulated in the policy contract.
  • the method realizes the automatic verification of the whole process, saves time and labor, and the scope of the insurance verification is extended from the original only to a single product, to the insurance category to which the product belongs, and the scope of the insured verification is reduced. The risk of underwriting.
  • the step 310 of determining a verification range corresponding to the insured product information according to the insured category includes:
  • Step 310A Find a sales channel, a product type, and a product attribute corresponding to the insured category.
  • the products are classified in advance, and each product corresponds to a corresponding insurance category, and the insurance category is divided according to the product type, product attributes, and corresponding sales channels, and the product type refers to a group or an individual.
  • Product attributes refer to the type of insurance the product belongs to, for example, whether it is health insurance, accident insurance, or auto insurance.
  • the sales channel refers to the sales method corresponding to the products in the insurance category, for example, through online sales, salesman sales or other sales methods, wherein one insurance category can correspond to multiple sales channels. There are many kinds of total sales channels, and each category may only correspond to one or two of them.
  • By setting the sales channels corresponding to the insurance categories it is beneficial to improve the search speed. For example, there are 12 total sales channels, and only one of the two types of sales channels corresponds to one of the sales channels. Then, in the search, only the two sales channels need to be searched, and the other 10 sales are avoided. Channel search to improve the efficiency of search.
  • Step 310B Determine a verification range corresponding to the insured product information according to the sales channel, the product type, and the product attribute.
  • the calibration range can be limited based on the sales channel, product type, and product attributes. For example, if it is determined that the sales channel only corresponds to online sales and bank sales, the product type is personal, and the product attribute is health insurance, then the calibration range can be restricted according to these conditions, so as to facilitate the subsequent improvement according to the customer number. Search efficiency.
  • the step 310 of determining a verification range corresponding to the insured product information according to the insured category includes:
  • Step 310a searching for a sales channel, a product type, and a product attribute corresponding to the insured category.
  • Step 310b determining a search area corresponding to the insurance type according to the insurance type.
  • Step 310c Determine a verification range corresponding to the insured product information according to the sales channel, the product type and the product attribute, and the search area.
  • the products that are suitable for sale in different regions may vary due to different developments in different regions, and certain categories of products are only suitable for a specific region and are not suitable for all regions. Therefore, there are different sales areas for products of different insurance categories.
  • the search area corresponding to the insurance category ie, the sales area
  • the sales channel, product type, The product attribute and the corresponding search area together as a restriction condition determine the verification range corresponding to the insured product information.
  • the search based on the customer number only needs to search in the first-tier cities without traversing. In various regions, the search time is greatly saved.
  • the step 210c of determining a verification range corresponding to the insured product information according to the sales channel, the product type, and the product attribute and the search area includes:
  • Step 602 determining a sales channel corresponding to the search area
  • Step 604 Determine a verification range corresponding to the insured product information according to the product type and the product attribute and the sales channel corresponding to the search area.
  • not all sales channels are adapted to each region due to differences in regions. Therefore, in order to further improve the subsequent search efficiency, after the search area corresponding to the insured product information is determined according to the insurance type, it is also necessary to screen out the sales channels that match each search area, and then according to the sales channels and products corresponding to each search area.
  • the attribute and product type determine the verification range corresponding to the insured product information. For example, assume that there are three search areas corresponding to the identified insurance categories, such as Beijing, Shanghai, and Shenzhen. There may be three sales channels suitable for the Beijing area. There may be four sales channels suitable for the Shanghai area. There may be only two sales channels suitable for the Shenzhen area.
  • the products can be combined according to the sales channels of each search area.
  • the attribute and product type determine the verification range corresponding to the insured product information.
  • the added constraint can be expressed as: m(r 1 , y) > 0, m(r 2 , y) > 0.
  • the user information includes a name, a gender, a document type, a document number, and a date of birth; a customer number corresponding to the user information is searched, and the step 304 of the customer number for uniquely identifying a user includes: filtering out the The first result set corresponding to the name, the second result set corresponding to the gender is selected in the first result set, and the third result set corresponding to the document type and the document number is selected in the second result set, and is determined in the third result set.
  • the customer number corresponding to the date of birth includes a name, a gender, a document type, a document number, and a date of birth;
  • the user information includes a name, a gender, a document type, a document number, and a date of birth.
  • the first result set corresponding to the name is sequentially filtered by the loop traversal algorithm, and then the second result set corresponding to the gender is searched in the first result set, and the third result corresponding to the document type and the document number is searched in the second result set.
  • Set, in the third result set search for the customer number corresponding to the date of birth. That is to say, the customer number is one-to-one corresponding to the five information of name, gender, document type, document number and date of birth, and the five information can be uniquely matched to one customer number.
  • the method before the step of determining a sales channel, a product type, and a product attribute corresponding to the insured category, the method further includes: classifying the product according to the sales channel, the product type, and the product attribute, and determining corresponding to each product information Insured categories and are stored.
  • each product is classified according to the sales channel, the product type and the product attribute, and the insurance corresponding to each product information is determined.
  • the sales channels include bank sales, salesman sales, online sales and other sales channels
  • the product type is group or individual
  • the product attribute refers to the type of insurance.
  • the products with the same product attributes and product types are classified into one category.
  • the sales channels corresponding to the product attributes and product types are stored together as the classification conditions of the insured products.
  • an apparatus for insured verification comprising:
  • the first extraction module 702 is configured to receive an application for insuring, and extract user information carried in the application for insurance;
  • a number searching module 604 configured to search for a customer number corresponding to the user information, where the customer number is used to uniquely identify a user;
  • the second extraction module 706 is configured to extract, according to the insurance application, the insured product information corresponding to the insurance application;
  • the category determining module 708 is configured to determine, according to the insured product information, an insurance type corresponding to the insured product information;
  • the range determining module 710 is configured to determine, according to the insured category, a check range corresponding to the insured product information
  • the search module 712 is configured to search for a policy corresponding to the customer number within the check range according to the customer number;
  • the rejection module 714 is configured to reject the insurance application if the corresponding policy is searched.
  • the range determining module 710 is further configured to search for a sales channel, a product type, and a product attribute corresponding to the insurance category, and determine, according to the sales channel, product type, and product attribute, corresponding to the insured product information. Check range.
  • the range determining module 710 includes:
  • the searching module 710A is configured to search for a sales channel, a product type, and a product attribute corresponding to the insurance category;
  • the area determining module 710B is configured to determine, according to the insurance type, a search area corresponding to the insurance type;
  • the verification range determining module 710C is configured to determine a verification range corresponding to the insured product information according to the sales channel, the product type and the product attribute, and the search area.
  • the check range determining module 710C is further configured to determine a sales channel corresponding to the search area, and determine and describe according to the product type and product attribute and a sales channel corresponding to the search area. The verification range corresponding to the product information is insured.
  • the user information includes a name, a gender, a document type, a document number, and a date of birth; the number finding module 704 is further configured to filter, according to the user information, a first result set corresponding to the name, where The first result set filters out a second result set corresponding to the gender, selects a third result set corresponding to the document type and the document number in the second result set, and determines a third result set corresponding to the date of birth. Customer Number.
  • the network interface may be an Ethernet card or a wireless network card.
  • the above modules may be embedded in the hardware in the processor or in the memory in the server, or may be stored in the memory in the server, so that the processor calls the corresponding operations of the above modules.
  • the processor can be a central processing unit (CPU), a microprocessor, a microcontroller, or the like.
  • the above-described device for insured verification can be implemented in the form of a computer readable instruction that can be run on a computer device as shown in FIG.
  • the embodiment of the present application provides a computer device.
  • the internal structure of the computer device may correspond to the structure shown in FIG. 2, that is, the computer device may be a server or a terminal, and includes a series of computers stored in the memory.
  • the readable instructions when the computer readable instructions are executed by the processor, may implement the method of insured verification as set forth in various embodiments of the present application.
  • Embodiments of the present application propose a computer device including a memory, a processor, and computer readable instructions stored on the memory and executable on the processor, the processor executing the computer
  • the readable instruction implements the following steps: receiving an application for insurance, extracting user information carried in the application for insurance; searching for a customer number corresponding to the user information, the customer number for uniquely identifying a user; Extracting the insured product information corresponding to the insured application; determining, according to the insured product information, an insured category corresponding to the insured product information; determining, according to the insured category, a verification range corresponding to the insured product information; The customer number searches for the policy corresponding to the customer number within the verification range; if the corresponding policy is searched, the insurance application is rejected.
  • determining, by the processor, the verification range corresponding to the insured product information according to the insured category comprises: searching for a sales channel, a product type, and a product attribute corresponding to the insured category; A verification range corresponding to the insured product information is determined according to the sales channel, product type, and product attribute.
  • determining, by the processor, the verification range corresponding to the insured product information according to the insured category comprises: searching for a sales channel, a product type, and a product attribute corresponding to the insured category; Determining a search area corresponding to the insurance type according to the insurance type; determining a check range corresponding to the insurance product information according to the sales channel, product type and product attribute, and search area.
  • determining, by the processor, the verification range corresponding to the insured product information according to the sales channel, the product type, and the product attribute, and the search area includes: determining, corresponding to the search area a sales channel; determining a verification range corresponding to the insured product information according to the product type, the product attribute, and a sales channel corresponding to the search area.
  • the user information includes a name, a gender, a document type, a document number, and a date of birth; a client number performed by the processor to search for a customer number corresponding to the user information, the customer number being used to uniquely identify a user, including: filtering a first result set corresponding to the name according to the user information, filtering a second result set corresponding to the gender in the first result set, and filtering out the identification and the certificate in the second result set
  • the third result set corresponding to the type and the document number, and the customer number corresponding to the date of birth is determined in the third result set.
  • a computer readable storage medium having stored thereon computer instructions that, when executed by a processor, implement the steps of: receiving an application for insurance, extracting user information carried in the application for insurance; a customer number corresponding to the user information, the customer number is used to uniquely identify a user; the insured product information corresponding to the insurance application is extracted according to the insurance application; and the insured product information is determined according to the insured product information.
  • Corresponding insured category determining a verification range corresponding to the insured product information according to the insured category; searching for a policy corresponding to the customer number within the verification range according to the customer number; if the corresponding policy is found , the application for insurance is rejected.
  • determining, by the processor, the verification range corresponding to the insured product information according to the insured category comprises: searching for a sales channel, a product type, and a product attribute corresponding to the insured category; A verification range corresponding to the insured product information is determined according to the sales channel, product type, and product attribute.
  • determining, by the processor, the verification range corresponding to the insured product information according to the insured category comprises: searching for a sales channel, a product type, and a product attribute corresponding to the insured category; Determining a search area corresponding to the insurance type according to the insurance type; determining a check range corresponding to the insurance product information according to the sales channel, product type and product attribute, and search area.
  • determining, by the processor, the verification range corresponding to the insured product information according to the sales channel, the product type, and the product attribute, and the search area includes: determining, corresponding to the search area a sales channel; determining a verification range corresponding to the insured product information according to the product type, the product attribute, and a sales channel corresponding to the search area.
  • the user information includes a name, a gender, a document type, a document number, and a date of birth; a client number performed by the processor to search for a customer number corresponding to the user information, the customer number being used to uniquely identify a user, including: filtering a first result set corresponding to the name according to the user information, filtering a second result set corresponding to the gender in the first result set, and filtering out the identification and the certificate in the second result set
  • the third result set corresponding to the type and the document number, and the customer number corresponding to the date of birth is determined in the third result set.
  • the storage medium may be a non-volatile storage medium such as a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

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Abstract

本申请提出了一种投保校验的方法，包括：接收投保申请，提取所述投保申请中携带的用户信息；查找与所述用户信息对应的客户编号，所述客户编号用于唯一标识一个用户；根据所述投保申请提取与所述投保申请对应的投保产品信息；根据所述投保产品信息确定与该投保产品信息对应的投保类别；根据所述投保类别确定与所述投保产品信息对应的校验范围；根据所述客户编号在所述校验范围内搜索与该客户编号对应的保单；若搜索到了对应的保单，则拒绝所述投保申请。

Description

投保校验的方法、装置、计算机设备及存储介质
本申请要求于2017年6月23日提交中国专利局、申请号为2017104889935、发明名称为“投保校验的方法、装置、计算机设备及存储介质”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉及计算机处理领域，特别是涉及一种投保校验的方法、装置、计算机设备及存储介质。
背景技术
随着保险业务的发展，越来越多的人开始进行投保，发明人意识到，为了防止恶意人员通过恶意投保进行骗保的行为，保险公司需要对用户的投保申请进行投保校验，即查找用户之前是否已经有过相同或类似的投保行为，如果是，则说明该用户属于二次投保，拒绝其投保申请，传统的投保校验的方式是通过人工查询该用户之前是否已经投保过该产品，不仅耗时耗力，且由于查询的范围有限，仍具有较大的承保风险。
发明内容
根据本申请的各种实施例，提供了一种投保校验的方法、装置、计算机设备及存储介质。
一种投保校验的方法，包括：
接收投保申请，提取所述投保申请中携带的用户信息；
查找与所述用户信息对应的客户编号，所述客户编号用于唯一标识一个用户；
根据所述投保申请提取与所述投保申请对应的投保产品信息；
根据所述投保产品信息确定与该投保产品信息对应的投保类别；
根据所述投保类别确定与所述投保产品信息对应的校验范围；
根据所述客户编号在所述校验范围内搜索与该客户编号对应的保单；及
若搜索到了对应的保单，则拒绝所述投保申请。
一种投保校验的装置，包括：
第一提取模块，用于接收投保申请，提取所述投保申请中携带的用户信息；
编号查找模块，用于查找与所述用户信息对应的客户编号，所述客户编号用于唯一标识一个用户；
第二提取模块，用于根据所述投保申请提取与所述投保申请对应的投保产品信息；
类别确定模块，用于根据所述投保产品信息确定与该投保产品信息对应的投保类别；
范围确定模块，用于根据所述投保类别确定与所述投保产品信息对应的校验范围；
搜索模块，用于根据所述客户编号在所述校验范围内搜索与该客户编号对应的保单；及
拒绝模块，用于若搜索到了对应的保单，则拒绝所述投保申请。
一种计算机设备，包括存储器和一个或多个处理器，所述存储器中存储有计算机可读指令，所述计算机可读指令被所述一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：接收投保申请，提取所述投保申请中携带的用户信息；
查找与所述用户信息对应的客户编号，所述客户编号用于唯一标识一个用户；
根据所述投保申请提取与所述投保申请对应的投保产品信息；
根据所述投保产品信息确定与该投保产品信息对应的投保类别；
根据所述投保类别确定与所述投保产品信息对应的校验范围；
根据所述客户编号在所述校验范围内搜索与该客户编号对应的保单；及
若搜索到了对应的保单，则拒绝所述投保申请。
一个或多个存储有计算机可读指令的非易失性计算机可读存储介质，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：
接收投保申请，提取所述投保申请中携带的用户信息；
查找与所述用户信息对应的客户编号，所述客户编号用于唯一标识一个用户；
根据所述投保申请提取与所述投保申请对应的投保产品信息；
根据所述投保产品信息确定与该投保产品信息对应的投保类别；
根据所述投保类别确定与所述投保产品信息对应的校验范围；
根据所述客户编号在所述校验范围内搜索与该客户编号对应的保单；及
若搜索到了对应的保单，则拒绝所述投保申请。
本申请的一个或多个实施例的细节在下面的附图和描述中提出。本申请的其它特征、目的和优点将从说明书、附图以及权利要求书变得明显。
附图说明
为了更清楚地说明本申请实施例中的技术方案，下面将对实施例描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本申请的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他的附图。
图1为根据一个或多个实施例中投保校验的方法的应用场景图。
图2为根据一个或多个实施例中计算机设备的框图。
图3为根据一个或多个实施例中投保校验的方法流程图。
图4为根据一个或多个实施例中根据投保类别确定与投保产品信息对应的校验范围的方法流程图。
图5为另一个实施例中根据投保类别确定与投保产品信息对应的校验范围的方法流程图。
图6为根据一个或多个实施例中根据所述销售渠道、产品类型和产品属性以及搜索区域确定与所述投保产品信息对应的校验范围的方法流程图。
图7为根据一个或多个实施例中投保校验的装置框图。
图8为根据一个或多个实施例中范围确定模块的框图。
具体实施方式
为了使本申请的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。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。
本申请提供的投保校验的方法，可以应用于如图1所示的应用场景中。终端102与服务器104通过网络进行通信。终端102可以但不限于是各种个人计算机、笔记本电脑、智能手机、平板电脑和便携式可穿戴设备，服务器104可以用独立的服务器或者是多个服务器组成的服务器集群来实现。首先，终端102向服务器104发送投保申请，服务器104接收到投保申请后，提取投保申请中携带的用户信息，然后查找与用户信息对应的客户编号，所述客户编号用于唯一标识一个用户；根据所述投保申请提取与所述投保申请对应的投保产品信息；根据所述投保产品信息确定与该投保产品信息对应的投保类别；根据所述投保类别确定与所述投保产品信息对应的校验范围；根据所述客户编号在所述校验范围内搜索与该客户编号对应的保单；及若搜索到了对应的保单，则拒绝所述投保申请。
如图2所示，为一个实施例中计算机设备的内部结构示意图。该计算机设备可以是终端也可以是服务器。终端可以是个人计算机或者移动电子设备，移动电子设备包括手机、平板电脑、个人数字助理或者穿戴式设备等中的至少一种。服务器可以是独立的服务器，也可以是服务器集群。参照图2，该计算机设 备包括通过系统总线连接的处理器、存储器、网络接口。该计算机设备的处理器用于提供计算和控制能力，支撑整个计算机设备的运行。该计算机设备的存储器包括非易失性计算机可读存储介质和内存储器。该计算机设备的非易失性存储介质可存储操作系统和计算机可读指令，该计算机可读指令被执行时，可使得处理器执行一种投保校验的方法。计算机设备的网络接口用于进行网络通信。本领域技术人员可以理解，图2中示出的结构，仅仅是与本申请方案相关的部分结构的框图，并不构成对本申请方案所应用于其上的计算机设备的限定，具体的计算机设备可以包括比图中所示更多或更少的部件，或者组合某些部件，或者具有不同的部件布置。
如图3所示，在一些实施例中，提出了一种投保校验的方法，该方法可以应用于终端或服务器中，具体包括以下步骤：
步骤302，接收投保申请，提取投保申请中携带的用户信息。
在其中一个实施例中，投保申请是指针对某个保险产品的投保请求，该投保请求中包含有对应的投保产品信息，以及携带有该投保用户的用户信息，其中，用户信息包括姓名、性别、证件类型、证件号和出生日期。其中，证件类型有多种，比如身份证、护照、军官证等，用户信息的获取可以是在接收到投保请求后，通过终端展示接收用户信息输入的界面，通过该界面接收用户输入的用户信息。
步骤304，查找与用户信息对应的客户编号，客户编号用于唯一标识一个用户。
在其中一个实施例中，获取到用户信息后，需要根据该用户信息查找与该用户信息对应的客户编号，客户编号是保险公司为投保人分配的唯一标识，用于唯一标识一个用户。而客户编号是与用户信息对应的，其中，用户信息包括姓名、性别、证件类型、证件号和出生日期。也就是说，客户编号与姓名、证件类型、证件号和出生日期等多个信息是对应的，即查找客户编号时需要同时满足多个条件。在一些实施例中，根据用户信息查找客户编号的过程可以采用循环遍历的算法，比如，首先筛选出符合“姓名”条件的数据结果集Z1，然后在Z1集中遍历符合“性别”条件的得到数据结果集Z2，之后在Z2集中遍历证件类型以及证件号得到数据结果集Z3，直到找到符合所有条件的结果集，即得到了该用户的客户编号。如果没有查找到该用户的客户编号，说明该客户之前没有投过保，也就不存在二次投保的行为。
步骤306，根据投保申请提取与投保申请对应的投保产品信息。
在其中一个实施例中，投保申请是针对于某个产品的投保请求，所以根据投保申请就可以提取与所述投保申请对应的投保产品信息。投保产品信息包括产品的名称、产品的险种属性、产品编号等，其中，产品的险种属性是指产品属于哪个险种，比如，健康险还是意外险等，产品编号是指唯一为该产品分配 的标识，用于唯一标识该款产品。
步骤308，根据投保产品信息确定与该投保产品信息对应的投保类别。
在其中一个实施例中，由于保险产品的类似产品很多，如果仅仅是像传统方式那样搜索用户之前是否投保了本次申请的投保产品，这样的搜索结果太过于限制，不利于控制投保的风险性，所以需要对搜索的范围进行扩大，将搜索扩大到与该投保产品同类别的范围内。进一步的，为了更准确的进行投保校验，搜索的范围应该包括已承保保单和正在投保中的保单。具体地，在获取到投保产品信息后，根据该投保产品信息确定相应的投保类别。投保产品所属的投保类别是预先划分的，具体划分方法可以采用多元分类算法进行分类。比如，可以根据产品类型和产品属性对保险产品进行分类，其中，产品类型分为个人类型和团体类型两类，产品属性是指该产品所属的险种类型，比如，是属于健康险，还是意外险或其他。每一种产品对应的产品类型和产品属性都是唯一的，所以可以同时根据产品类型和产品属性对相应的产品进行分类。举个例子，假设产品类型分为2种，险种类型分为6种，那么通过排列组合就可以将不同的产品分为12类。此外，保险公司包含有多种销售渠道，销售渠道是指产品销售的方式，包括银行销售、业务员销售、在线推广销售等多种销售方式。由于不同投保类别对应的销售渠道往往不同，且同一投保类别往往不会对应所有的销售渠道，比如，如果一共有6种销售渠道的话，某一类投保类别的产品可能只对应其中2种销售渠道，所以为了提高后续搜索的速度，在根据产品类型和产品属性确定完投保类别后，还可以将相应的销售渠道与该投保类别进行对应存储，即将投保类别与产品属性、产品类型和销售渠道一起进行对应存储，后续一旦确定了投保类别，就相当于确定了与该投保类别对应的产品属性、产品类型和销售渠道。
步骤310，根据投保类别确定与投保产品信息对应的校验范围。
在其中一个实施例中，根据投保产品所属的投保类别确定与投保产品信息对应的校验范围，其中，投保类别是预先根据多元因素进行划分的，比如，若预先是根据产品类型和产品属性进行划分的，那么就可以根据该投保类别确定相应的产品类型和产品属性，然后将产品类型和产品属性作为搜索的限制条件确定相应的校验范围。若预先是将投保类别与产品类型、产品属性和销售渠道进行关联存储的，那么根据投保类别就可以确定与之对应的销售渠道(可能是多种)，产品类型(个人或团体)和产品属性(险种类型)，通过将销售渠道、产品类型和产品属性作为搜索的限制条件，后续在该限制条件的情况下搜索与客户编号对应的保单。
步骤312，根据客户编号在校验范围内搜索与该客户编号对应的保单。
在其中一个实施例中，为了提高搜索的速度，首先，根据投保类别对相应的校验范围进行了限制，这样根据客户编号在该限制的校验范围内就可以快速 找到与客户编号匹配的保单。在一些实施例中，投保类别是与销售渠道、产品属性和产品类型对应的，一个投保类别可以对应多个销售渠道，所以根据客户编号进行搜索时，销售渠道可以采用模糊匹配算法来进行筛选，产品类型和产品属性是确定的，所以可以采用精确匹配算法进行筛选。根据客户编号在通过产品类型、产品属性和销售渠道限制的范围内进行搜索与该客户编号对应的保单。其中，保单包括已承保的保单和正在投保中的保单。
步骤314，若搜索到了对应的保单，则拒绝投保申请。
在其中一个实施例中，通过客户编号在限制的校验范围内若搜索到了与客户编号对应的保单，说明该用户之前已经针对于同一产品或同一类产品进行过投保，该次投保申请属于二次投保，所以拒绝本次投保申请。反之没有搜索到，则说明不是二次投保，可以接受相应的投保申请。通过对投保申请针对的投保产品信息进行投保校验，可以有效的防止二次投保的行为，即有效的防止了恶意投保的行为，大大降低了后续承保的风险性，承保是指保险人在投保人提出要保请求后，经审核认为符合承保条件并同意接受投保人申请，承担保单合同规定的保险责任的行为。
在其中一个实施例中，通过接收用户的投保申请，提取投保申请中携带的用户信息，查找与该用户信息对应的客户编号，确定与投保产品信息对应的投保类别，根据投保类别确定与投保产品信息对应的校验范围，根据客户编号在该校验范围内搜索与该客户编号对应的保单，若搜索到了对应的保单，则拒绝上述投保申请。该方法实现了整个过程全自动进行校验，省时省力，且投保校验的范围从原来的只针对于单个产品，扩展到了该产品属于的投保类别，通过扩大投保校验的范围降低了后续承保的风险。
如图4所示，在一些实施例中，根据投保类别确定与投保产品信息对应的校验范围的步骤310包括：
步骤310A，查找与投保类别对应的销售渠道、产品类型和产品属性。
在其中一个实施例中，预先对产品进行分类，每一个产品都会对应有相应的投保类别，投保类别是根据产品类型、产品属性和相应的销售渠道进行划分的，产品类型是指团体或个人，产品属性是指该产品所属的险种，比如，是健康险、还是意外险、还是车险等等。销售渠道是指该投保类别的产品所对应的销售方式，比如，是通过在线销售，还是业务员推销或其他销售方式，其中，一个投保类别可以对应多个销售渠道。总的销售渠道有很多种，而每一类别可能只对应其中的一个或二个，通过设置与投保类别对应的销售渠道，有利于提高搜索的速度。比如，总的销售渠道有12中，某一类别的产品只对应其中2种销售渠道，那么后续在查找的时候只需要在该2种销售渠道中查找就可以了，避免了在其他10种销售渠道进行搜索，提高了搜索的效率。
步骤310B，根据销售渠道、产品类型和产品属性确定与投保产品信息对应的校验范围。
在其中一个实施例中，在确定了与投保类别对应的销售渠道、产品类型和产品属性后，就可以根据该销售渠道、产品类型和产品属性对校验范围进行限制。比如，如果确定了销售渠道只对应了在线销售和银行销售，产品类型为个人，产品属性为健康险，那么就可以根据这些条件对校验范围进行限制，便于后续根据客户编号进行查找时提高相应的搜索效率。
如图5所示，在一些实施例中，根据投保类别确定与投保产品信息对应的校验范围的步骤310包括：
步骤310a，查找与投保类别对应的销售渠道、产品类型和产品属性。
步骤310b，根据投保类别确定与该投保类别对应的搜索区域。
步骤310c，根据销售渠道、产品类型和产品属性以及搜索区域确定与投保产品信息对应的校验范围。
在其中一个实施例中，由于各个地区的发展不同，不同地区适合销售的产品会有所不同，某些类别的产品只适合特定区域，并不适合所有区域。所以对于不同的投保类别的产品其对应有不同的销售区域。为了提高搜索的速度，在查找到与投保类别对应的销售渠道、产品类型和产品属性后，还需要根据投保类别确定与之对应的搜索区域(即销售区域)，然后将销售渠道、产品类型、产品属性和对应的搜索区域一起作为限制条件确定与投保产品信息对应的校验范围。举个例子，有些投保类别的产品只适合在一线城市销售，比如，北京、上海、深圳、广州等，那么后续根据客户编号进行搜索时就只需要在一线城市的范围内进行搜索，而不用遍历各个地区，大大节省了搜索的时间。
如图6所示，在一些实施例中，根据销售渠道、产品类型和产品属性以及搜索区域确定与投保产品信息对应的校验范围的步骤210c包括：
步骤602，确定与搜索区域对应的销售渠道；
步骤604，根据产品类型和产品属性以及与搜索区域对应的销售渠道确定与投保产品信息对应的校验范围。
在其中一个实施例中，由于各个地区的差异，并不是所有销售渠道都适应各个地区。所以为了进一步提高后续的搜索效率，在根据投保类别确定了与投保产品信息对应的搜索区域后，还需要筛选出符合每个搜索区域的销售渠道，继而根据每个搜索区域对应的销售渠道、产品属性和产品类型确定与投保产品信息对应的校验范围。举个例子，假设与确定的投保类别对应的搜索区域有三个，比如，北京、上海、深圳。适合北京地区的销售渠道可能有三个，适合上海区域的销售渠道可能有四个，适合深圳区域的销售渠道可能只有二个，所以 在搜索时，可以根据各个搜索区域对应的销售渠道，再结合产品属性和产品类型确定与投保产品信息对应的校验范围。具体地，可以通过在原有搜索公式的基础上加上一些约束条件来实现，原搜索公式表示为：s＝g(z,y,h(r 1,r 2,r 3)),其中，z表示客户编号，y表示搜索区域，h(r 1,r 2,r 3)表示投保类别，r 1表示销售渠道，r 2表示产品类型，r 3表示产品属性。增加的约束条件可以表示为：m(r 1,y)＞0,m(r 2,y)＞0。其中，m函数的原理为：若在该搜索区域内存在则大于0。所以最终的搜索公式可以表示为：s＝g(z,y,h(r 1,r 2,r 3),m(r 1,y)＞0,m(r 2,y)＞0)。
在一些实施例中，用户信息包括姓名、性别、证件类型、证件号和出生日期；查找与用户信息对应的客户编号，客户编号用于唯一标识一个用户的步骤304包括：根据用户信息筛选出与姓名对应的第一结果集，在第一结果集中筛选出与性别对应的第二结果集，在第二结果集中筛选出与证件类型及证件号对应的第三结果集，在第三结果集中确定与出生日期对应的客户编号。
在其中一个实施例中，用户信息包括姓名、性别、证件类型、证件号和出生日期。通过循环遍历算法依次筛选出与姓名对应的第一结果集，然后在该第一结果集中搜索与性别对应的第二结果集，在第二结果集中搜索与证件类型以及证件号对应的第三结果集，在第三结果集中搜索与出生日期对应的客户编号。也就是说，客户编号是与姓名、性别、证件类型、证件号和出生日期这五个信息一一对应的，根据这五个信息可以唯一匹配到一个客户编号。具体地，通过z＝f(x 1,x 2,x 3,x 4,x 5)获取客户编号，其中，x 1，x 2，x 3，x 4和x 5分别表示姓名、性别、证件类型、证件号和出生日期，原理是：先筛选出姓名为x 1的数据结果集Z1，在Z1集中遍历性别为x 2，得到数据结果集Z2，如此循环遍历，直至找到满足所有条件x 1，x 2，x 3，x 4，x 5的结果集。
在一些实施例中，在确定与投保类别对应的销售渠道、产品类型和产品属性的步骤之前，还包括：根据销售渠道、产品类型和产品属性对产品进行分类，确定与每一种产品信息对应的投保类别，并进行存储。
在其中一个实施例中，为了提高投保校验的准确性以及提高投保校验的效率，首先，根据销售渠道、产品类型和产品属性对各个产品进行分类，确定与每一种产品信息对应的投保类别，并将确定的投保类别和销售渠道、产品类型和产品属性进行对应存储。其中，销售渠道包括银行销售、业务员销售、在线推广销售等多种销售渠道方式，产品类型为团体或个人，产品属性是指险种类型。其中，将具有相同产品属性和产品类型的产品划分为一类，为了便于后续提高搜索的效率，将与该产品属性和产品类型对应的销售渠道一起作为投保产品的分类条件进行对应存储。
应该理解的是，虽然图3至6的流程图中的各个步骤按照箭头的指示依次显示，但是这些步骤并不是必然按照箭头指示的顺序依次执行。除非本文中有明确的说明，这些步骤的执行并没有严格的顺序限制，这些步骤可以以其它的 顺序执行。而且，图3至6中的至少一部分步骤可以包括多个子步骤或者多个阶段，这些子步骤或者阶段并不必然是在同一时刻执行完成，而是可以在不同的时刻执行，这些子步骤或者阶段的执行顺序也不必然是依次进行，而是可以与其它步骤或者其它步骤的子步骤或者阶段的至少一部分轮流或者交替地执行。
如图7所示，在一些实施例中，提出了一种投保校验的装置，该装置包括：
第一提取模块702，用于接收投保申请，提取所述投保申请中携带的用户信息；
编号查找模块604，用于查找与所述用户信息对应的客户编号，所述客户编号用于唯一标识一个用户；
第二提取模块706，用于根据所述投保申请提取与所述投保申请对应的投保产品信息；
类别确定模块708，用于根据所述投保产品信息确定与该投保产品信息对应的投保类别；
范围确定模块710，用于根据所述投保类别确定与所述投保产品信息对应的校验范围；
搜索模块712，用于根据所述客户编号在所述校验范围内搜索与该客户编号对应的保单；
拒绝模块714，用于若搜索到了对应的保单，则拒绝所述投保申请。
在一些实施例中，所述范围确定模块710还用于查找与所述投保类别对应的销售渠道、产品类型和产品属性，根据所述销售渠道、产品类型和产品属性确定与投保产品信息对应的校验范围。
如图8所示，在一些实施例中，范围确定模块710包括：
查找模块710A，用于查找与所述投保类别对应的销售渠道、产品类型和产品属性；
区域确定模块710B，用于根据所述投保类别确定与该投保类别对应的搜索区域；
校验范围确定模块710C，用于根据所述销售渠道、产品类型和产品属性以及搜索区域确定与所述投保产品信息对应的校验范围。
在一些实施例中，所述校验范围确定模块710C还用于确定与所述搜索区域对应的销售渠道，根据所述产品类型和产品属性以及与所述搜索区域对应的销售渠道确定与所述投保产品信息对应的校验范围。
在一些实施例中，所述用户信息包括姓名、性别、证件类型、证件号和出生日期；所述编号查找模块704还用于根据所述用户信息筛选出与姓名对应的第一结果集，在所述第一结果集中筛选出与性别对应的第二结果集，在所述第二结果集中筛选出与证件类型及证件号对应的第三结果集，在第三结果集中确 定与出生日期对应的客户编号。
上述投保校验的装置中的各个模块可全部或部分通过软件、硬件及其组合来实现。其中，网络接口可以是以太网卡或无线网卡等。上述各模块可以硬件形式内嵌于或独立于服务器中的处理器中，也可以以软件形式存储于服务器中的存储器中，以便于处理器调用执行以上各个模块对应的操作。该处理器可以为中央处理单元(CPU)、微处理器、单片机等。
上述投保校验的装置可以实现为一种计算机可读指令的形式，计算机可读指令可以在如图2所示的计算机设备上运行。
本申请实施例提出了一种计算机设备，计算机设备的内部结构可对应于如图2所示的结构，即该计算机设备既可以是服务器也可以是终端，其包括一系列存储于存储器上的计算机可读指令，当该计算机可读指令被处理器执行时，可以实现本申请各实施例提出的投保校验的方法。本申请实施例提出了一种计算机设备，所述计算机设备包括存储器、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计算机可读指令，所述处理器执行所述计算机可读指令时实现以下步骤：接收投保申请，提取所述投保申请中携带的用户信息；查找与所述用户信息对应的客户编号，所述客户编号用于唯一标识一个用户；根据所述投保申请提取与所述投保申请对应的投保产品信息；根据所述投保产品信息确定与该投保产品信息对应的投保类别；根据所述投保类别确定与所述投保产品信息对应的校验范围；根据所述客户编号在所述校验范围内搜索与该客户编号对应的保单；若搜索到了对应的保单，则拒绝所述投保申请。
在一些实施例中，所述处理器所执行的根据所述投保类别确定与所述投保产品信息对应的校验范围，包括：查找与所述投保类别对应的销售渠道、产品类型和产品属性；根据所述销售渠道、产品类型和产品属性确定与所述投保产品信息对应的校验范围。
在一些实施例中，所述处理器所执行的根据所述投保类别确定与所述投保产品信息对应的校验范围，包括：查找与所述投保类别对应的销售渠道、产品类型和产品属性；根据所述投保类别确定与该投保类别对应的搜索区域；根据所述销售渠道、产品类型和产品属性以及搜索区域确定与所述投保产品信息对应的校验范围。
在一些实施例中，所述处理器所执行的根据所述销售渠道、产品类型和产品属性以及搜索区域确定与所述投保产品信息对应的校验范围，包括：确定与所述搜索区域对应的销售渠道；根据所述产品类型、产品属性以及与所述搜索区域对应的销售渠道确定与所述投保产品信息对应的校验范围。
在一些实施例中，所述用户信息包括姓名、性别、证件类型、证件号和出生日期；所述处理器所执行的查找与所述用户信息对应的客户编号，所述客户编号用于唯一标识一个用户，包括：根据所述用户信息筛选出与姓名对应的第 一结果集，在所述第一结果集中筛选出与性别对应的第二结果集，在所述第二结果集中筛选出与证件类型及证件号对应的第三结果集，在第三结果集中确定与出生日期对应的客户编号。
在一些实施例中，提出了一种计算机可读存储介质，其上存储有计算机指令，该指令被处理器执行时实现以下步骤：接收投保申请，提取所述投保申请中携带的用户信息；查找与所述用户信息对应的客户编号，所述客户编号用于唯一标识一个用户；根据所述投保申请提取与所述投保申请对应的投保产品信息；根据所述投保产品信息确定与该投保产品信息对应的投保类别；根据所述投保类别确定与所述投保产品信息对应的校验范围；根据所述客户编号在所述校验范围内搜索与该客户编号对应的保单；若搜索到了对应的保单，则拒绝所述投保申请。
在一些实施例中，所述处理器所执行的根据所述投保类别确定与所述投保产品信息对应的校验范围，包括：查找与所述投保类别对应的销售渠道、产品类型和产品属性；根据所述销售渠道、产品类型和产品属性确定与所述投保产品信息对应的校验范围。
在一些实施例中，所述处理器所执行的根据所述投保类别确定与所述投保产品信息对应的校验范围，包括：查找与所述投保类别对应的销售渠道、产品类型和产品属性；根据所述投保类别确定与该投保类别对应的搜索区域；根据所述销售渠道、产品类型和产品属性以及搜索区域确定与所述投保产品信息对应的校验范围。
在一些实施例中，所述处理器所执行的根据所述销售渠道、产品类型和产品属性以及搜索区域确定与所述投保产品信息对应的校验范围，包括：确定与所述搜索区域对应的销售渠道；根据所述产品类型、产品属性以及与所述搜索区域对应的销售渠道确定与所述投保产品信息对应的校验范围。
在一些实施例中，所述用户信息包括姓名、性别、证件类型、证件号和出生日期；所述处理器所执行的查找与所述用户信息对应的客户编号，所述客户编号用于唯一标识一个用户，包括：根据所述用户信息筛选出与姓名对应的第一结果集，在所述第一结果集中筛选出与性别对应的第二结果集，在所述第二结果集中筛选出与证件类型及证件号对应的第三结果集，在第三结果集中确定与出生日期对应的客户编号。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，是可以通过计算机可读指令来指令相关的硬件来完成，该计算机可读指令可存储于一计算机可读取存储介质中，该程序在执行时，可包括如上述各方法的实施例的流程。其中，前述的存储介质可为磁碟、光盘、只读存储记忆体(Read-Only Memory，ROM)等非易失性存储介质，或随机存储记忆体(Random Access  Memory，RAM)等。
以上所述实施例的各技术特征可以进行任意的组合，为使描述简洁，未对上述实施例中的各个技术特征所有可能的组合都进行描述，然而，只要这些技术特征的组合不存在矛盾，都应当认为是本说明书记载的范围。
以上所述实施例仅表达了本申请的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对发明专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本申请构思的前提下，还可以做出若干变形和改进，这些都属于本申请的保护范围。因此，本申请专利的保护范围应以所附权利要求为准。

Claims (20)

  1. 一种投保校验的方法，包括：
    接收投保申请，提取所述投保申请中携带的用户信息；
    查找与所述用户信息对应的客户编号，所述客户编号用于唯一标识一个用户；
    根据所述投保申请提取与所述投保申请对应的投保产品信息；
    根据所述投保产品信息确定与该投保产品信息对应的投保类别；
    根据所述投保类别确定与所述投保产品信息对应的校验范围；
    根据所述客户编号在所述校验范围内搜索与该客户编号对应的保单；及
    若搜索到了对应的保单，则拒绝所述投保申请。
  2. 根据权利要求1所述的方法，其特征在于，所述根据所述投保类别确定与所述投保产品信息对应的校验范围，包括：
    查找与所述投保类别对应的销售渠道、产品类型和产品属性；及
    根据所述销售渠道、产品类型和产品属性确定与所述投保产品信息对应的校验范围。
  3. 根据权利要求1所述的方法，其特征在于，所述根据所述投保类别确定与所述投保产品信息对应的校验范围，包括：
    查找与所述投保类别对应的销售渠道、产品类型和产品属性；
    根据所述投保类别确定与该投保类别对应的搜索区域；及
    根据所述销售渠道、产品类型和产品属性以及搜索区域确定与所述投保产品信息对应的校验范围。
  4. 根据权利要求3所述的方法，其特征在于，所述根据所述销售渠道、产品类型和产品属性以及搜索区域确定与所述投保产品信息对应的校验范围，包括：
    确定与所述搜索区域对应的销售渠道；及
    根据所述产品类型、产品属性以及与所述搜索区域对应的销售渠道确定与所述投保产品信息对应的校验范围。
  5. 根据权利要求1所述的方法，其特征在于，所述用户信息包括姓名、性别、证件类型、证件号和出生日期；
    所述查找与所述用户信息对应的客户编号，所述客户编号用于唯一标识一个用户，包括：
    根据所述用户信息筛选出与姓名对应的第一结果集，在所述第一结果集中筛选出与性别对应的第二结果集，在所述第二结果集中筛选出与证件类型及证件号对应的第三结果集，在第三结果集中确定与出生日期对应的客户编号。
  6. 一种投保校验的装置，包括：
    第一提取模块，用于接收投保申请，提取所述投保申请中携带的用户信息；
    编号查找模块，用于查找与所述用户信息对应的客户编号，所述客户编号用于唯一标识一个用户；
    第二提取模块，用于根据所述投保申请提取与所述投保申请对应的投保产品信息；
    类别确定模块，用于根据所述投保产品信息确定与该投保产品信息对应的投保类别；
    范围确定模块，用于根据所述投保类别确定与所述投保产品信息对应的校验范围；
    搜索模块，用于根据所述客户编号在所述校验范围内搜索与该客户编号对应的保单；及
    拒绝模块，用于若搜索到了对应的保单，则拒绝所述投保申请。
  7. 根据权利要求6所述的装置，其特征在于，所述范围确定模块还用于查找与所述投保类别对应的销售渠道、产品类型和产品属性，根据所述销售渠道、产品类型和产品属性确定与所述投保产品信息对应的校验范围。
  8. 根据权利要求6所述的装置，其特征在于，所述范围确定模块包括：
    查找模块，用于查找与所述投保类别对应的销售渠道、产品类型和产品属性；
    区域确定模块，用于根据所述投保类别确定与该投保类别对应的搜索区域；及
    校验范围确定模块，用于根据所述销售渠道、产品类型和产品属性以及搜索区域确定与所述投保产品信息对应的校验范围。
  9. 根据权利要求8所述的装置，其特征在于，所述校验范围确定模块还用于确定与所述搜索区域对应的销售渠道，根据所述产品类型和产品属性以及与所述搜索区域对应的销售渠道确定与所述投保产品信息对应的校验范围。
  10. 根据权利要求6所述的装置，其特征在于，所述用户信息包括姓名、性别、证件类型、证件号和出生日期；
    所述编号查找模块还用于根据所述用户信息筛选出与姓名对应的第一结果集，在所述第一结果集中筛选出与性别对应的第二结果集，在所述第二结果集中筛选出与证件类型及证件号对应的第三结果集，在第三结果集中确定与出生日期对应的客户编号。
  11. 一种计算机设备，包括存储器及一个或多个处理器，所述存储器中存储有计算机可读指令，所述计算机可读指令被所述一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：
    接收投保申请，提取所述投保申请中携带的用户信息；
    查找与所述用户信息对应的客户编号，所述客户编号用于唯一标识一个用户；
    根据所述投保申请提取与所述投保申请对应的投保产品信息；
    根据所述投保产品信息确定与该投保产品信息对应的投保类别；
    根据所述投保类别确定与所述投保产品信息对应的校验范围；
    根据所述客户编号在所述校验范围内搜索与该客户编号对应的保单；及
    若搜索到了对应的保单，则拒绝所述投保申请。
  12. 根据权利要求11所述的计算机设备，其特征在于，所述根据所述投保类别确定与所述投保产品信息对应的校验范围，包括：
    查找与所述投保类别对应的销售渠道、产品类型和产品属性；及
    根据所述销售渠道、产品类型和产品属性确定与所述投保产品信息对应的校验范围。
  13. 根据权利要求11所述的计算机设备，其特征在于，所述根据所述投保类别确定与所述投保产品信息对应的校验范围，包括：
    查找与所述投保类别对应的销售渠道、产品类型和产品属性；
    根据所述投保类别确定与该投保类别对应的搜索区域；及
    根据所述销售渠道、产品类型和产品属性以及搜索区域确定与所述投保产品信息对应的校验范围。
  14. 根据权利要求13所述的计算机设备，其特征在于，所述根据所述销售渠道、产品类型和产品属性以及搜索区域确定与所述投保产品信息对应的校验范围，包括：
    确定与所述搜索区域对应的销售渠道；及
    根据所述产品类型、产品属性以及与所述搜索区域对应的销售渠道确定与所述投保产品信息对应的校验范围。
  15. 根据权利要求11所述的计算机设备，其特征在于，所述用户信息包括姓名、性别、证件类型、证件号和出生日期；
    所述查找与所述用户信息对应的客户编号，所述客户编号用于唯一标识一个用户，包括：
    根据所述用户信息筛选出与姓名对应的第一结果集，在所述第一结果集中筛选出与性别对应的第二结果集，在所述第二结果集中筛选出与证件类型及证件号对应的第三结果集，在第三结果集中确定与出生日期对应的客户编 号。
  16. 一个或多个存储有计算机可读指令的非易失性计算机可读存储介质，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：
    接收投保申请，提取所述投保申请中携带的用户信息；
    查找与所述用户信息对应的客户编号，所述客户编号用于唯一标识一个用户；
    根据所述投保申请提取与所述投保申请对应的投保产品信息；
    根据所述投保产品信息确定与该投保产品信息对应的投保类别；
    根据所述投保类别确定与所述投保产品信息对应的校验范围；
    根据所述客户编号在所述校验范围内搜索与该客户编号对应的保单；及
    若搜索到了对应的保单，则拒绝所述投保申请。
  17. 根据权利要求16所述的存储介质，其特征在于，所述根据所述投保类别确定与所述投保产品信息对应的校验范围，包括：
    查找与所述投保类别对应的销售渠道、产品类型和产品属性；及
    根据所述销售渠道、产品类型和产品属性确定与所述投保产品信息对应的校验范围。
  18. 根据权利要求16所述的存储介质，其特征在于，所述根据所述投保类别确定与所述投保产品信息对应的校验范围，包括：
    查找与所述投保类别对应的销售渠道、产品类型和产品属性；
    根据所述投保类别确定与该投保类别对应的搜索区域；及
    根据所述销售渠道、产品类型和产品属性以及搜索区域确定与所述投保产品信息对应的校验范围。
  19. 根据权利要求18所述的存储介质，其特征在于，所述根据所述销售渠道、产品类型和产品属性以及搜索区域确定与所述投保产品信息对应的校验范围，包括：
    确定与所述搜索区域对应的销售渠道；及
    根据所述产品类型、产品属性以及与所述搜索区域对应的销售渠道确定与所述投保产品信息对应的校验范围。
  20. 根据权利要求16所述的存储介质，其特征在于，所述用户信息包括姓名、性别、证件类型、证件号和出生日期；
    所述查找与所述用户信息对应的客户编号，所述客户编号用于唯一标识一个用户，包括：
    根据所述用户信息筛选出与姓名对应的第一结果集，在所述第一结果集 中筛选出与性别对应的第二结果集，在所述第二结果集中筛选出与证件类型及证件号对应的第三结果集，在第三结果集中确定与出生日期对应的客户编号。
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