WO2018233393A1

WO2018233393A1 - Insurance purchasing verification method, apparatus, computer device and storage medium

Info

Publication number: WO2018233393A1
Application number: PCT/CN2018/086202
Authority: WO
Inventors: 姜云鹏; 吴海波; 凌剑; 马向东; 丁杰
Original assignee: 平安科技（深圳）有限公司
Priority date: 2017-06-23
Filing date: 2018-05-09
Publication date: 2018-12-27
Also published as: CN108510396B; CN108510396A

Abstract

Provided by the present application is an insurance purchasing verification method, comprising: receiving an insurance purchase application, and extracting user information contained in said insurance purchase application; searching for a client number corresponding to said user information, wherein said client number is solely used to identify a single user; extracting, according to said insurance purchase application, insurance product information corresponding to said insurance purchase application; determining, according to said insurance product information, the insurance type corresponding to the insurance product information; determining, according to said insurance type, the scope of verification corresponding to said insurance product information; searching, according to said client number, for a policy corresponding to the client number within said scope of verification; and if a corresponding policy is found, refusing said insurance purchase application.

Description

Method, device, computer equipment and storage medium for insured verification

This application claims the priority of the Chinese patent application filed on June 23, 2017, the Chinese Patent Office, the application number is 2017104889935, and the invention is entitled "Method, device, computer equipment and storage medium for insured verification". The citations are incorporated herein by reference.

Technical field

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.

Background technique

With the development of the insurance business, more and more people began to insure, and the inventors realized that in order to prevent malicious personnel from fraudulently insuring through malicious insured, 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.

Summary of the invention

In accordance with various embodiments of the present application, a method, apparatus, computer device, and storage medium for insured verification are provided.

A method of insured verification, including:

Receiving an application for insurance, and extracting user information carried in the application for insurance;

Finding a customer number corresponding to the user information, where the customer number is used to uniquely identify a user;

Extracting the insured product information corresponding to the insurance application according to the insurance application;

Determining an insurance type corresponding to the insured product information according to the insured product information;

Determining a verification range corresponding to the insured product information according to the insurance type;

Searching for a policy corresponding to the customer number within the verification range according to the customer number; and

If the corresponding policy is found, the application for insurance is rejected.

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; and

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:

Details of one or more embodiments of the present application are set forth in the accompanying drawings and description below. Other features, objects, and advantages of the invention will be apparent from the description and appended claims.

DRAWINGS

In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings used in the description of the embodiments will be briefly described below. It is obvious that the drawings in the following description are only some embodiments of the present application. Other drawings may also be obtained from those of ordinary skill in the art in light of the inventive work.

1 is an application scenario diagram of a method of insured verification in accordance with one or more embodiments.

2 is a block diagram of a computer device in accordance with one or more embodiments.

3 is a flow diagram of a method of insured verification in accordance with one or more embodiments.

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.

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.

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.

Detailed ways

In order to make the objects, technical solutions, and advantages of the present application more comprehensible, the present application will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the application and are not intended to be limiting.

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. First, the terminal 102 sends an application for insurance to 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.

As shown in FIG. 2, it is a schematic diagram of the internal structure of a computer device in one embodiment. 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. Referring to Figure 2, 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.

As shown in FIG. 3, in some embodiments, 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.

In one embodiment, the insurance application is a request for insurance for an insurance product, the insurance request includes corresponding insurance product information, and user information carrying the insurance user, wherein the user information includes name and gender. , document type, document number and date of birth. Among them, there are various types of documents, such as an ID card, a passport, a military officer's card, etc., 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.

In one embodiment, after the user information is obtained, 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. In some embodiments, 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.

In one embodiment, 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.

In one of the embodiments, since there are many similar products of the insurance product, if the search for the insured product of the application is insured before searching for the user as in the conventional manner, such search results are too restrictive, which is not conducive to controlling the risk of insurance. Therefore, it is necessary to expand the scope of the search to expand the search to the same category as the insured product. Further, in order to perform the insurance verification more accurately, 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. In addition, 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. Since the sales channels corresponding to different insurance categories are often different, and the same insurance category often does not correspond to all sales channels, for example, if there are 6 sales channels, the products of a certain insurance category may only correspond to 2 sales channels. Therefore, in order to improve the speed of subsequent searches, after determining the insured category according to the product type and product attributes, 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.

In one embodiment, 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.

Step 312, searching for a policy corresponding to the customer number within the verification range according to the customer number.

In one embodiment, in order to increase the speed of the search, first, 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. . In some embodiments, 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. Among them, the policy includes the covered insurance policy and the insurance policy being insured.

In step 314, if the corresponding policy is found, the application for insurance is rejected.

In one embodiment, if 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. By 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.

In one embodiment, by receiving the application for insurance of the user, extracting the user information carried in the application for insurance, finding the customer number corresponding to the user information, determining the insurance type corresponding to the insured product information, determining and insuring the product according to the insurance type The verification range corresponding to the information searches for the policy corresponding to the customer number within the verification range according to the customer number, and rejects the above application if the corresponding policy is searched. 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.

As shown in FIG. 4, in some embodiments, 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.

In one embodiment, 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.

In one embodiment, after determining the sales channel, product type, and product attributes corresponding to the insured category, 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.

As shown in FIG. 5, in some embodiments, 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.

In one of the embodiments, 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. In order to speed up the search, after finding the sales channel, product type and product attribute corresponding to the insurance category, it is also necessary to determine the search area corresponding to the insurance category (ie, the sales area), and then 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. For example, some products in the insurance category are only suitable for sales in first-tier cities, such as Beijing, Shanghai, Shenzhen, Guangzhou, etc., then 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.

As shown in FIG. 6, in some embodiments, 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.

In one of the embodiments, 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. Therefore, in the search, 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. Specifically, it can be implemented by adding some constraints to the original search formula, and the original search formula is expressed as: s=g(z, y, h(r ₁ , r ₂ , r ₃ )), where z Represents the customer number, y represents the search area, h(r ₁ , r ₂ , r ₃ ) represents the insurance category, r ₁ represents the sales channel, r ₂ represents the product type, and r ₃ represents the product attribute. The added constraint can be expressed as: m(r ₁ , y) > 0, m(r ₂ , y) > 0. The principle of the m function is: if it exists in the search area, it is greater than 0. So the final search formula can be expressed as: s = g (z, y, h (r ₁ , r ₂ , r ₃ ), m (r ₁ , y) > 0, m (r ₂ , y) > 0).

In some embodiments, 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.

In one of the embodiments, 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. Specifically, the customer number is obtained by z=f(x ₁ , x ₂ , x ₃ , x ₄ , x ₅ ), where x ₁ , x ₂ , x ₃ , x ₄ and x ₅ respectively represent name, gender, and document Type, ID number and date of birth, the principle is: first select the data result set Z1 with the name x ₁ , traverse the gender x ₂ in the Z1 set, and get the data result set Z2, so loop through the traversal until all conditions x _{1 are} satisfied. , x ₂ , x ₃ , x ₄ , x ₅ result set.

In some embodiments, 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.

In one embodiment, in order to improve the accuracy of the insurance verification and improve the efficiency of the insurance verification, first, 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. Category and store the identified insured categories and sales channels, product types, and product attributes. Among them, the sales channels include bank sales, salesman sales, online sales and other sales channels, the product type is group or individual, and the product attribute refers to the type of insurance. Among them, the products with the same product attributes and product types are classified into one category. In order to facilitate the subsequent improvement of the search efficiency, the sales channels corresponding to the product attributes and product types are stored together as the classification conditions of the insured products.

It should be understood that although the various steps in the flowcharts of FIGS. 3 through 6 are sequentially displayed as indicated by the arrows, these steps are not necessarily performed in the order indicated by the arrows. Except as explicitly stated herein, the execution of these steps is not strictly limited, and the steps may be performed in other sequences. Moreover, at least some of the steps in Figures 3 to 6 may comprise a plurality of sub-steps or stages, which are not necessarily performed at the same time, but may be performed at different times, these sub-steps or stages The order of execution is not necessarily performed sequentially, but may be performed alternately or alternately with at least a portion of other steps or sub-steps or stages of other steps.

As shown in FIG. 7, in some embodiments, an apparatus for insured verification is provided, the apparatus 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.

In some embodiments, 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.

As shown in FIG. 8, in some embodiments, 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.

In some embodiments, 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.

In some embodiments, 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.

Each of the above-described devices for insured verification may be implemented in whole or in part by software, hardware, and combinations thereof. 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.

In some embodiments, 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.

In some embodiments, 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.

In some embodiments, 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.

In some embodiments, 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.

In some embodiments, a computer readable storage medium is provided 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.

A person skilled in the art can understand that all or part of the process of implementing the above embodiment method can be completed by computer readable instructions, which can be stored in a computer readable storage medium. The program, when executed, may include the flow of an embodiment of the methods as described above. 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).

The technical features of the above-described embodiments may be arbitrarily combined. For the sake of brevity of description, all possible combinations of the technical features in the above embodiments are not described. However, as long as there is no contradiction between the combinations of these technical features, All should be considered as the scope of this manual.

The above-mentioned embodiments are merely illustrative of several embodiments of the present application, and the description thereof is more specific and detailed, but is not to be construed as limiting the scope of the invention. It should be noted that a number of variations and modifications may be made by those skilled in the art without departing from the spirit and scope of the present application. Therefore, the scope of the invention should be determined by the appended claims.

Claims

A method of insured verification, including:

Receiving an application for insurance, and extracting user information carried in the application for insurance;

Finding a customer number corresponding to the user information, where the customer number is used to uniquely identify a user;

Extracting the insured product information corresponding to the insurance application according to the insurance application;

Determining an insurance type corresponding to the insured product information according to the insured product information;

Determining a verification range corresponding to the insured product information according to the insurance type;

Searching for a policy corresponding to the customer number within the verification range according to the customer number; and

If the corresponding policy is found, the application for insurance is rejected.
The method according to claim 1, wherein the determining a verification range corresponding to the insured product information according to the insured category comprises:

Finding sales channels, product types, and product attributes corresponding to the insured category; and

A verification range corresponding to the insured product information is determined according to the sales channel, product type, and product attribute.
The method according to claim 1, wherein the determining a verification range corresponding to the insured product information according to the insured category comprises:

Finding sales channels, product types, and product attributes corresponding to the insured category;

Determining a search area corresponding to the insurance type according to the insurance type; and

A verification range corresponding to the insured product information is determined according to the sales channel, product type and product attribute, and search area.
The method according to claim 3, wherein the determining a verification range corresponding to the insured product information according to the sales channel, product type and product attribute, and search area comprises:

Determining a sales channel corresponding to the search area; and

A verification range corresponding to the insured product information is determined according to the product type, the product attribute, and a sales channel corresponding to the search area.
The method of claim 1 wherein said user information comprises a name, a gender, a document type, a document number, and a date of birth;

The finding a customer number corresponding to the user information, where the customer number is used to uniquely identify a user, including:

Filtering, according to the user information, a first result set corresponding to the name, filtering a second result set corresponding to the gender in the first result set, and filtering the second result set corresponding to the document type and the document number The third result set determines the customer number corresponding to the date of birth in the third result set.
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; and

The rejection module is configured to reject the insurance application if the corresponding policy is searched.
The apparatus according to claim 6, wherein the range determining module 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. A verification range corresponding to the insured product information.
The apparatus according to claim 6, wherein the range determining module comprises:

a search module for finding a sales channel, a product type, and a product attribute corresponding to the insurance category;

a region determining module, configured to determine a search region corresponding to the insurance category according to the insurance category; and

The verification range determining module 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 apparatus according to claim 8, wherein the verification range determining module is further configured to determine a sales channel corresponding to the search area, according to the product type and product attribute, and corresponding to the search area. The sales channel determines a verification range corresponding to the insured product information.
The apparatus according to claim 6, wherein said user information comprises a name, a gender, a document type, a document number, and a date of birth;

The number searching module is further configured to: filter a first result set corresponding to the name according to the user information, filter a second result set corresponding to the gender in the first result set, and filter the second result set in the second result set A third result set corresponding to the document type and the document number is obtained, and the customer number corresponding to the date of birth is determined in the third result set.
A computer device comprising a memory and one or more processors, the memory storing computer readable instructions, the computer readable instructions being executed by the one or more processors such that the one or more The processors perform the following steps:

Receiving an application for insurance, and extracting user information carried in the application for insurance;

Finding a customer number corresponding to the user information, where the customer number is used to uniquely identify a user;

Extracting the insured product information corresponding to the insurance application according to the insurance application;

Determining an insurance type corresponding to the insured product information according to the insured product information;

Determining a verification range corresponding to the insured product information according to the insurance type;

Searching for a policy corresponding to the customer number within the verification range according to the customer number; and

If the corresponding policy is found, the application for insurance is rejected.
The computer device according to claim 11, wherein the determining a verification range corresponding to the insured product information according to the insured category comprises:

Finding sales channels, product types, and product attributes corresponding to the insured category; and

A verification range corresponding to the insured product information is determined according to the sales channel, product type, and product attribute.
The computer device according to claim 11, wherein the determining a verification range corresponding to the insured product information according to the insured category comprises:

Finding sales channels, product types, and product attributes corresponding to the insured category;

Determining a search area corresponding to the insurance type according to the insurance type; and

A verification range corresponding to the insured product information is determined according to the sales channel, product type and product attribute, and search area.
The computer device according to claim 13, wherein the determining a verification range corresponding to the insured product information according to the sales channel, a product type, a product attribute, and a search area, includes:

Determining a sales channel corresponding to the search area; and

A verification range corresponding to the insured product information is determined according to the product type, the product attribute, and a sales channel corresponding to the search area.
The computer device according to claim 11, wherein the user information comprises a name, a gender, a document type, a document number, and a date of birth;

The finding a customer number corresponding to the user information, where the customer number is used to uniquely identify a user, including:

Filtering, according to the user information, a first result set corresponding to the name, filtering a second result set corresponding to the gender in the first result set, and filtering the second result set corresponding to the document type and the document number The third result set determines the customer number corresponding to the date of birth in the third result set.
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:

Receiving an application for insurance, and extracting user information carried in the application for insurance;

Finding a customer number corresponding to the user information, where the customer number is used to uniquely identify a user;

Extracting the insured product information corresponding to the insurance application according to the insurance application;

Determining an insurance type corresponding to the insured product information according to the insured product information;

Determining a verification range corresponding to the insured product information according to the insurance type;

Searching for a policy corresponding to the customer number within the verification range according to the customer number; and

If the corresponding policy is found, the application for insurance is rejected.
The storage medium according to claim 16, wherein the determining a verification range corresponding to the insured product information according to the insured category comprises:

Finding sales channels, product types, and product attributes corresponding to the insured category; and

A verification range corresponding to the insured product information is determined according to the sales channel, product type, and product attribute.
The storage medium according to claim 16, wherein the determining a verification range corresponding to the insured product information according to the insured category comprises:

Finding sales channels, product types, and product attributes corresponding to the insured category;

Determining a search area corresponding to the insurance type according to the insurance type; and

A verification range corresponding to the insured product information is determined according to the sales channel, product type and product attribute, and search area.
The storage medium according to claim 18, wherein the determining a verification range corresponding to the insured product information according to the sales channel, a product type, a product attribute, and a search area, includes:

Determining a sales channel corresponding to the search area; and

A verification range corresponding to the insured product information is determined according to the product type, the product attribute, and a sales channel corresponding to the search area.
The storage medium according to claim 16, wherein the user information comprises a name, a gender, a document type, a document number, and a date of birth;

The finding a customer number corresponding to the user information, where the customer number is used to uniquely identify a user, including:

Filtering, according to the user information, a first result set corresponding to the name, filtering a second result set corresponding to the gender in the first result set, and filtering the second result set corresponding to the document type and the document number The third result set determines the customer number corresponding to the date of birth in the third result set.