WO2019001087A1

WO2019001087A1 - Case claim method, device, server and computer readable storage medium

Info

Publication number: WO2019001087A1
Application number: PCT/CN2018/082622
Authority: WO
Inventors: 候彦如
Original assignee: 平安科技（深圳）有限公司
Priority date: 2017-06-26
Filing date: 2018-04-11
Publication date: 2019-01-03
Also published as: CN108335215A

Abstract

The present application discloses a case claim method, which comprises: when a claim application input by an investigator is received, accordingly configuring a claim case, generating an investigation task and sending the same to the investigator; receiving an investigation report submitted by the investigator on the basis of the investigation task, and submitting the claim case and the investigation report to an examination node; and when a compensation instruction fed back by the examination node is received, carrying out the compensation on the claim case according to the compensation instruction. Also disclosed in the present application are a case claim device, a server, and a computer readable storage medium. The application greatly saves the time spent by the customer on the process and shortens the claim period.

Description

Case claim method, device, server and computer readable storage medium

This application claims the priority of the Chinese Patent Application filed on June 26, 2017, the Chinese Patent Application No. 201710497417.7, entitled "Case Claim Method, Server and Computer Readable Storage Media", the entire contents of which are incorporated by reference. In the application.

Technical field

The present application relates to the field of insurance technology, and in particular, to a case claim method, apparatus, server, and computer readable storage medium.

Background technique

At present, after the claims of the insurance business are submitted by the informant, the staff of the insurance company accepts the claim case on the PC side and enters the relevant report information. The case acceptance system then sends the case to the case investigation system, and the case investigation system assigns the investigator to conduct the case investigation. When the investigator's investigation is completed, the investigation needs to be reported to the auditor, and the auditor can pass the audit before the compensation can be made. After multiple steps such as case acceptance, distribution of investigators, investigators' investigations, and audits, the claims settlement process is complicated, the progress is slow, and the cycle is very long. Especially in the case of a major accident, it may happen that the insured person urgently needs funds, but the settlement process is slow and cannot be paid in time.

Summary of the invention

The main purpose of the present application is to provide a case claim method, a server, and a computer readable storage medium, aiming at solving the technical problem of long insurance claim period.

To achieve the above object, the present application provides a method for claim settlement, and the method for claim settlement includes the following steps:

When receiving the claim application input by the investigator, the corresponding claim settlement case is generated and an investigation task is generated and sent to the investigator;

Receiving the investigation report submitted by the investigator based on the investigation task, and submitting the claim case and the investigation report to the audit node;

When receiving the compensation instruction fed back by the auditing node, the claims of the claim case are paid according to the claim.

In addition, in order to achieve the above object, the present application further provides a case claim device, and the case claim device includes:

The matching module is configured to send a survey claim to the investigator when the claim for the claim entered by the investigator is received;

a reporting module, configured to receive an investigation report submitted by the investigator based on the investigation task, and submit the claim case and the investigation report to an audit node;

The claim module is configured to perform the payment of the claim case according to the claim instruction when receiving the payout instruction fed back by the audit node.

In addition, in order to achieve the above object, the present invention also provides a server, the server comprising: a memory, a processor, and a case claim program stored on the memory and operable on the processor, the case claim program The step of implementing the case claim method of any of the above, when executed by the processor.

In addition, in order to achieve the above object, the present application further provides a computer readable storage medium, wherein the computer readable storage medium stores a case claim program, and the case claim program is executed by the processor to implement any of the above The steps of the method of claim settlement.

A case claim method, device, server, and computer readable storage medium, which are provided by the embodiment of the present application, are sent to the investigator by correspondingly configuring a claim case and generating an investigation task when receiving the claim application input by the investigator. The investigator conducts the report and the case investigation; then, receives the investigation report submitted by the investigator based on the investigation task, submits the claim case and the investigation report to the audit node, and the audit node performs the audit to ensure the authenticity of the claim and prevent fraudulent insurance; When the compensation order is returned by the review node, the claim is paid according to the claim. In this application, the customer report is saved, and the insurance company accepts and distributes the process of the investigator. The investigator can directly file a claim for claim settlement, and when the investigator completes the investigation and passes the audit of the audit node, the customer can directly pay for the claim. Compared with the traditional claims process, the time spent by the customer on the process is greatly saved, the claim period is shortened, and the customer can quickly get the payment, especially in the event of a major accident; and, by reviewing the control of the node, the claim is reduced. The risk of fraud protects the interests of insurance companies, thereby achieving a win-win situation for both customers and insurance companies.

DRAWINGS

1 is a schematic structural diagram of a terminal structure of a hardware operating environment involved in an embodiment of the present application;

2 is a schematic flow chart of a first embodiment of a claim settlement method of the present application;

FIG. 3 is a schematic diagram showing the refinement process of the steps of the claim compensation case and the step of generating the investigation task to be sent to the investigator when receiving the claim application input by the investigator in FIG. 2;

4 is a schematic diagram showing a refinement flow of the steps of performing the payment of the claim case according to the claim instruction when receiving the payout instruction fed back by the audit node in FIG. 2;

5 is a schematic flow chart of a second embodiment of a claim settlement method of the present application;

6 is a schematic flow chart of a third embodiment of a claim settlement method of the present application;

7 is a schematic flow chart of a fourth embodiment of a claim settlement method of the present application;

FIG. 8 is a schematic flow chart of a fifth embodiment of a claim settlement method of the present application.

The implementation, functional features and advantages of the present application will be further described with reference to the accompanying drawings.

Detailed ways

It is understood that the specific embodiments described herein are merely illustrative of the application and are not intended to be limiting.

As shown in FIG. 1 , FIG. 1 is a schematic structural diagram of a terminal in a hardware operating environment involved in an embodiment of the present application. The server in this embodiment may be a terminal device such as a PC. As shown in FIG. 1, the terminal may include a processor 1001, such as a CPU, a communication bus 1002, a user interface 1003, and a memory 1004. Among them, the communication bus 1002 is used to implement connection communication between these components. The user interface 1003 can include a display, an input unit such as a keyboard, and the optional user interface 1003 can also include a standard wired interface, a wireless interface. The memory 1004 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage. The memory 1004 can also optionally be a storage device independent of the aforementioned processor 1001. Optionally, the terminal may further include a camera, RF (Radio) Frequency, RF) circuits, sensors, audio circuits, WiFi modules, and more. It will be understood by those skilled in the art that the terminal structure shown in FIG. 1 does not constitute a limitation to the server, and may include more or less components than those illustrated, or some components may be combined, or different component arrangements.

As shown in FIG. 1, an operating system, a network communication module, a user interface module, and a case claims program may be included in the memory 1004 as a computer storage medium. In the terminal shown in FIG. 1, the user interface 1003 is mainly used to connect a client (user end) to perform data communication with the client; and the processor 1001 can be used to call a case claim program stored in the memory 1004, and execute the present. The claim settlement method described in any of the embodiments of the invention.

The specific embodiment of the server of the present application is basically the same as the embodiments of the following claims claim method, and details are not described herein.

Referring to FIG. 2, a first embodiment of a claim settlement method of the present application provides a case claim method, and the case claim method includes:

Step S10: When receiving the claim application input by the investigator, correspondingly configuring the claim case and generating a survey task is sent to the surveyor.

In this embodiment, the investigator can directly file a claim for claim, and the case investigation can be started without reporting the case, and the progress of the claim can be accelerated.

Specifically, as an application scenario, when a major accident occurs, such as a serial car accident or a major fire, due to the seriousness of the disaster and the facts are clear, in order to enable the customer to receive the payment as soon as possible, the investigator obtains the customer after arriving at the scene of the accident. Identity and accident situation, use the server to access the claims system, select the customer's policy to apply for claims, and enter the claims application. Of course, the investigator can also enter the customer's policy number, determine the policy to apply for claims, and then enter the claim application.

After receiving the claim, the server obtains the policy for the current claim settlement, and files the case for the corresponding claims. Then, the investigation task of the server configuration claim case is sent to the investigator.

After receiving the investigation task issued by the server, the investigator locates at the scene of the accident to confirm that it has conducted an investigation at the scene of the accident, and can also take pictures of the scene of the accident, obtain relevant image data, and conduct investigations on current claims cases. task.

Further, as an implementation manner, referring to FIG. 3, the step S10 includes:

Step S11: When receiving the claim application input by the investigator, determining whether the investigator has the claim acceptance right;

Step S12: If the investigator has the claim accepting authority, the claims claim is configured according to the claims application, and a survey task is generated and sent to the surveyor.

Since the amount involved in the insurance claims may be large, especially in the case of a major accident, in order to control the authority of the investigator, the server determines whether the investigator has a claim based on the pre-determined permission filing information when receiving the claim for the claim entered by the investigator. Acceptance authority.

If the investigator has the right to claim compensation, the respondent case is configured according to the claim application instruction and the corresponding investigation task is generated and sent to the investigator; if the investigator does not have the claim acceptance right, the claim is rejected, prompting the investigator to Open the claims application permission.

Step S20: Receive the investigation report submitted by the surveyor based on the investigation task, and submit the claim case and the investigation report to the audit node.

After completing the investigation, the investigator inputs the investigation report writing instruction, enters the investigation conclusion in the investigation report writing interface of the server configuration, and submits the positioning information and the collected image data together as the investigation report corresponding to the investigation task. It should be noted that the investigation report submitted by the investigator is also the investigation report of the current claim case. The server receives the investigation report submitted by the investigator, and obtains the investigation result, the positioning information, and the image data obtained by the investigation. Then, the server submits the claim case and the investigation report to the audit node, and the audit node checks and confirms the investigation report of the claim case to prevent the case from being misreported or misrepresented.

After receiving the investigation report, the audit node will review whether the policy in the claim case can be paid; if the payment can be made, the amount of the payment and the beneficiary need to be determined according to the agreement in the policy, and the beneficiary's account is determined. It should be noted that the beneficiary's account may be an account that can collect money, such as a bank card account or an electronic account.

Step S30: When receiving the compensation instruction fed back by the auditing node, the payment of the case is performed according to the claim.

If the audit node audit determines that the current claim case can be paid, the payment instruction is sent to the server to notify that the claim case has passed the review and can be paid. When the server receives the compensation instruction feedback from the audit node, it executes the compensation instruction and pays the beneficiary.

Specifically, as an implementation manner, referring to FIG. 4, the step S30 includes:

Step S31, when receiving the payment instruction fed back by the auditing node, acquiring the payment amount and the beneficiary account according to the claim instruction;

Step S32: Transfer the claim payment to the beneficiary account by using electronic payment.

When receiving the compensation instruction fed back by the auditing node, the server parses the claim instruction, and obtains the payment amount and the beneficiary account of the case. Specifically, the server can read the code of the claim instruction, extract the preset field in the code, obtain the payment amount and the beneficiary account of the case, and store it in a text format. The preset field may be a field of a preset location, a field after the preset identifier, or the like. The server then uses electronic payment to transfer the payment to the beneficiary's account based on the amount of the payment and the beneficiary's account. It should be noted that if the insured has multiple policies to be paid, the server obtains multiple claims of the audit node and compensates separately; or, the server according to the multi-pair payment amount and the beneficiary account in the configuration instruction, Pay separately.

Thus, the payment of the claims case is completed.

Further, after the step S20, the method further includes:

Write off the investigation task.

Specifically, the server configures the processing status of the investigation task to be closed or completed, and may also delete the investigation task in the investigation system or the investigation task list of the investigator, and complete the verification of the investigation task. Through the verification of the investigation task, the investigation personnel's investigation task execution cycle is ended, and the influence of the investigator's work time is avoided.

In this embodiment, when receiving the claim application input by the investigator, the corresponding claim settlement case is generated and an investigation task is generated and sent to the investigator, and the investigator reports and investigates the case; and then, the receiving surveyor submits the report based on the survey task. The investigation report submits the claims case and the investigation report to the auditing node, and the auditing node conducts the audit to ensure the authenticity of the claim and prevent fraudulent insurance; when receiving the compensation order feedback from the auditing node, the claims are paid according to the claim. . In this embodiment, the customer report is saved, and the insurance company accepts and distributes the process of the investigator. The investigator can directly file the claim for claim settlement, and when the investigator completes the investigation and passes the audit of the audit node, the customer can directly conduct the settlement. Compared with the traditional claims process, the payment process greatly saves the time spent by the customer on the process, shortens the claim cycle, and enables the customer to get the payment quickly, especially in the event of a major accident; and, by reviewing the control of the node, the reduction is reduced. The risk of fraud in claims is protected by the interests of insurance companies, thereby achieving a win-win situation for both customers and insurance companies.

Further, referring to FIG. 5, the second embodiment of the claim settlement method of the present application provides a method for claim settlement, which is based on the first embodiment of the claim settlement method of the present application, and the step S10 includes:

Step S13: When receiving the claim application input by the investigator, obtain the identity of the insured person carried in the claim application.

When the investigator arrives at the scene of the accident, the investigator determines the identity of the insured customer and then enters the claim as the insured. Among them, the claims application contains the identity of the insured, such as name, ID number, age and other information. After receiving the claim form of the investigator, the server obtains the identity of the insured person carried in the claim application.

Step S14: Search all the policies of the insured according to the insured identity, and configure a policy list for the surveyor to select.

After obtaining the insured status, the server searches the database for all policies of the insured according to the insured status, and configures all the policies found as a policy list. The policies in the form list can be sorted according to the purchase time and the like. The server then displays a list of policies for the investigator to select the policy for which the claim is currently applied. Investigators can select the policy by checking the policy list page and filter out the inappropriate policy. For example, if the accident is a car accident, the investigator may need to choose a car insurance policy, an accident insurance policy, and the like. When it is necessary to explain, the policy list can display only the purchase time and insurance type of each policy. Of course, other information in the policy can also be displayed, which can be flexibly configured according to actual needs.

Step S15: Acquire a policy selected by the surveyor based on the policy list, correspondingly configure a claim case, and generate a survey task and send the survey task to the surveyor.

When the investigator selects the policy that needs to apply for the claim in the policy list, and confirms, the server obtains the policy selected by the investigator, correspondingly configures the claim case, and generates an investigation task for the claim case and sends it to the investigator, thereby the investigator Conduct an investigation.

In this embodiment, when the investigator files a claim for claim, the list of policies that record all the policies of the insured is provided for the investigator to select, so that the investigator can filter out the policy that is inappropriate and cannot apply for claim, only according to the survey candidate. The issued insurance policy is filed, which reduces the workload of the audit node, speeds up the review of claims, and shortens the period of insurance claims, which can enhance the customer experience.

Further, referring to FIG. 6, the third embodiment of the claim settlement method of the present application provides a policy claim method, based on the second embodiment of the claim settlement method of the present application, the step S15 includes:

Step S151: When the policy selected by the surveyor based on the policy list is received, the terms of the selected policy are displayed for selection.

Step S152: Obtain a policy and a clause selected by the investigator, correspondingly configure a claim case, and generate an investigation task and send the investigation task to the investigator.

When the server is configured with the policy list and displayed to the investigator for selection, if the policy selected by the surveyor based on the policy list is received, the terms of the selected policy are displayed for the investigator to select. Among them, the terms of the policy include the insurance liability of the policy, the amount of insurance, additional terms and other items for the investigator to choose. According to the actual situation of the accident, the investigator selects the corresponding terms and determines. After receiving the policy clause of the investigator, the server correspondingly configures the claim case according to the policy and terms selected by the investigator, and generates an investigation task and sends it to the investigator.

Specifically, the investigator can select the policy for this claim based on the insurance policy and other information. After receiving the policy selected by the investigator, the server looks up the policy content of the policy in the database and displays the terms of the policy. At the same time, the server can also extract the preset field in the policy content, and obtain the policy number, the insured identity information, the beneficiary information, and the like. According to the policy terms provided by the server, the investigator selects the terms of the claim basis, such as insurance liability, insurance amount, additional clauses, etc., to determine the claims liability and the amount of claims. The investigator confirms the selection of the terms.

After the server receives the terms selected by the investigator, the fields of the policy number, the insured identity information, the beneficiary information, and the fields of the terms selected by the investigator are filled in according to the preset filling rules. In the case configuration template, a claim case is generated. The policy written in the claim case is the policy on which the claim is based, and the written terms are the terms of the claim, and the insured person who is required to apply for the claim in this accident.

The server also configures the case number of the claim case according to a preset numbering rule. Then, the server configures the investigation task corresponding to the claim case, and obtains the investigator who configures the claim case, and distributes the configured survey task to the surveyer's system for the surveyor to perform the survey task. The investigation task includes all the information of the claim case, including the policy on which the claim is based, the insured, the terms of the claim, etc., for the investigator to conduct the investigation purposefully.

It should be noted that the investigator can separately select multiple policies and corresponding terms, and then the server configures the claim case and generates a survey task to be sent to the surveyor.

In this embodiment, when the investigator selects the policy, the terms of the policy are provided for the investigator to select, so that the investigator can select the terms of the claim, so that the claim is more targeted and the workload of the audit node is reduced. , shortened the claims cycle.

Further, referring to FIG. 7, the fourth embodiment of the claim settlement method of the present application provides a method for claim settlement, based on the second or third embodiment of the claim settlement method of the present application (the second embodiment of the claim settlement method of the present application) For example, the step S14 includes:

Step S141: Search for all policies of the insured according to the insured identity;

Step S142: Filter out the policy within the insurance period in all the policies of the insured, and configure the policy as a policy list for the investigator to select.

After obtaining the insured status, the server searches the database for all policies of the insured according to the insured status. Then, the server performs preliminary filtering and screening, selects the policies that are still in the insurance period in all the policies, and filters out the policies that have expired. Among them, the insurance period is also called the insurance period. According to the insurance contract, the insurance company is insured for the agreed insurance accident within the agreed time, and the agreed time becomes the insurance period. The server then uses the policy that is currently in the insurance period to be configured as a policy list for the investigator to choose the policy for the claim.

In this embodiment, the policy that has expired is automatically filtered out. Since the insurance company does not pay the insurance policy that is not within the insurance period, it is not necessary to file a policy for these insurance policies, which can reduce the workload of the investigator and the audit node, and improve the workload. Claim speed.

Further, referring to FIG. 8, the fifth embodiment of the claim settlement method of the present application provides a method for claim settlement, which is based on the third embodiment of the claim settlement method of the present application, and the step S30 includes:

Step S33, when receiving the compensation instruction fed back by the auditing node, determining the policy and terms of the approved audit according to the claim instruction;

Step S34: Obtain an amount of the payment payment according to the terms of the review, and obtain the beneficiary account bound to the policy that has passed the review;

Step S35: Transfer the claim payment to the beneficiary account by using electronic payment.

When the server receives the compensation instruction feedback from the audit node, it parses the claim and obtains the policy and terms that are currently approved. Then, according to the terms of the audit, the server obtains the payment amount agreed with the insurance company when the customer signs the policy. For example, if the auto insurance policy is approved, the liability amount clause in the policy is also approved. The default field in the clause is the value of the payment payment amount. Therefore, the auto insurance policy can be obtained by reading the preset field in the liability amount clause. The amount of the payment. At the same time, the server queries the customer's reservation information and obtains the beneficiary account bound by the approved policy. Further, if there are multiple policies and their terms passed the review, the server will pay for each policy according to the beneficiary account of each policy and the payment amount in each policy clause.

The server then uses the electronic payment to transfer the payment to the beneficiary's account for payment.

In this embodiment, it is not necessary to audit the node to specify the payment amount and the beneficiary account, and realize the payment of the payment amount automatically according to the policy and terms passed the examination, thereby improving the intelligence degree of the case settlement.

In addition, the embodiment of the present application further provides a case claim device, where the claim claim device includes:

Optionally, the matching module is further used,

Obtaining the identity of the insured person carried in the claim application when receiving the claim application input by the investigator; searching for all the policies of the insured person according to the insured person's identity, and configuring the policy list for the investigator to select Obtaining a policy selected by the surveyor based on the policy list, correspondingly configuring a claim case, and generating a survey task to be sent to the surveyor.

Optionally, the matching module is further used,

Upon receiving the policy selected by the investigator based on the policy list, displaying the terms of the selected policy for selection; obtaining the policy and terms selected by the investigator, correspondingly configuring the claim case, and generating an investigation task Issued to the investigator.

Optionally, the matching module is further used,

Finding all the policies of the insured according to the insured person's identity; screening out the policy within the insurance period in all the policies of the insured, and configuring the policy as a list of policies for the investigator to select.

Optionally, the claim module is further configured to:

Upon receiving the payment instruction fed back by the auditing node, the claim payment amount and the beneficiary account are obtained according to the claim instruction; and the claim payment is transferred to the beneficiary account using the electronic payment.

Optionally, the claim module is further configured to:

Upon receiving the payment instruction fed back by the auditing node, determining the policy and terms of the approved review according to the claim, and obtaining the amount of the payment according to the terms of the review, and obtaining the policy of the approved policy Beneficiary account; using electronic payment, the claim payment is transferred to the beneficiary account.

Optionally, the matching module is further used,

When receiving the claim for the claim entered by the investigator, determining whether the investigator has the claim accepting authority; if the investigator has the claim accepting authority, the claims claim is configured according to the claims request and the survey task is generated. To the investigator.

Optionally, the reporting module is further configured to:

Resell the investigation task.

The specific embodiment of the claim settlement device of the present application is substantially the same as the embodiment of the claim settlement method, and is not described herein.

In addition, the embodiment of the present application further provides a computer readable storage medium, where the computer claim storage medium stores a case claim program, and when the case claim program is executed by the processor, the following operations are implemented:

Further, when the case claim program is executed by the processor, the following operations are also implemented:

Obtaining the identity of the insured person carried in the claim application when receiving the claim for the claim entered by the investigator;

Finding all the policies of the insured according to the insured identity, and configuring a policy list for the investigator to select;

Obtaining a policy selected by the surveyor based on the policy list, correspondingly configuring a claim case, and generating a survey task to be sent to the surveyor.

When the policy selected by the surveyor based on the policy list is received, the terms of the selected policy are displayed for selection;

Obtaining the policy and terms selected by the investigator, correspondingly configuring the claim case, and generating a survey task to be sent to the surveyor.

Finding all the policies of the insured according to the insured person's identity;

The policy of the insured person is selected in the policy of the insured person, and is configured as a policy list for the investigator to select.

Upon receiving the payment instruction fed back by the auditing node, obtaining the payment amount and the beneficiary account according to the claim instruction;

The electronic payment is used to transfer the payment to the beneficiary account.

Upon receiving the payment instruction fed back by the auditing node, determining the policy and terms of the approved review according to the claim;

Obtaining the amount of the payment in accordance with the terms of the review, and obtaining the beneficiary account bound by the approved policy;

When receiving the claim for input by the investigator, determining whether the investigator has the right to claim compensation;

If the investigator has the claim accepting authority, the claim settlement case is correspondingly configured according to the claims application, and an investigation task is generated and sent to the investigator.

Resell the investigation task.

The specific embodiment of the computer readable storage medium of the present application is substantially the same as the embodiment of the method for claim settlement, and is not described herein.

It is to be understood that the term "comprises", "comprising", or any other variants thereof, is intended to encompass a non-exclusive inclusion, such that a process, method, article, or It also includes other elements that are not explicitly listed, or elements that are inherent to such a process, method, item, or system. An element defined by the phrase "comprising a ..." does not exclude the presence of additional equivalent elements in a process, method, article, or system that includes the element, without further limitation.

The serial numbers of the embodiments of the present application are merely for the description, and do not represent the advantages and disadvantages of the embodiments.

Through the description of the above embodiments, those skilled in the art can clearly understand that the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better. Implementation. Based on such understanding, the technical solution of the present application, which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM as described above). , a disk, an optical disk, including a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods described in the various embodiments of the present application.

The above is only an alternative embodiment of the present application, and thus does not limit the scope of the patent application, and the equivalent structure or equivalent process transformation made by the specification and the drawings of the present application, or directly or indirectly applied to other related technologies. The fields are all included in the scope of patent protection of this application.

Claims

A case claim method, characterized in that the claim claim method comprises the following steps:

When receiving the claim application input by the investigator, the corresponding claim settlement case is generated and an investigation task is generated and sent to the investigator;

Receiving the investigation report submitted by the investigator based on the investigation task, and submitting the claim case and the investigation report to the audit node;

When receiving the compensation instruction fed back by the auditing node, the claims of the claim case are paid according to the claim.
The method for claim settlement according to claim 1, wherein when the claim for the claim entered by the investigator is received, the step of assigning the claim case and generating the survey task to the investigator includes:

Obtaining the identity of the insured person carried in the claim application when receiving the claim for the claim entered by the investigator;

Finding all the policies of the insured according to the insured identity, and configuring a policy list for the investigator to select;

Obtaining a policy selected by the surveyor based on the policy list, correspondingly configuring a claim case, and generating a survey task to be sent to the surveyor.
The method for claim settlement according to claim 2, wherein the obtaining the policy selected by the surveyor based on the policy list, corresponding to configuring the claim case, and generating the survey task to be sent to the surveyor includes: :

When the policy selected by the surveyor based on the policy list is received, the terms of the selected policy are displayed for selection;

Obtaining the policy and terms selected by the investigator, correspondingly configuring the claim case, and generating a survey task to be sent to the surveyor.
The method for claim settlement according to claim 2, wherein the step of searching for the policy of the insured according to the insured person's identity and configuring the policy list for the surveyor to select includes:

Finding all the policies of the insured according to the insured person's identity;

The policy of the insured person is selected in the policy of the insured person, and is configured as a policy list for the investigator to select.
The method for claim settlement according to claim 1, wherein the step of performing payment of the claim case according to the claim instruction when receiving the payout instruction fed back by the audit node comprises:

Upon receiving the payment instruction fed back by the auditing node, obtaining the payment amount and the beneficiary account according to the claim instruction;

The electronic payment is used to transfer the payment to the beneficiary account.
The method for claim settlement according to claim 3, wherein the step of performing the claim of the claim case according to the claim instruction when receiving the payout instruction fed back by the audit node comprises:

Upon receiving the payment instruction fed back by the auditing node, determining the policy and terms of the approved review according to the claim;

Obtaining the amount of the payment in accordance with the terms of the review, and obtaining the beneficiary account bound by the approved policy;

The electronic payment is used to transfer the payment to the beneficiary account.
The method for claim settlement according to claim 1, wherein when the claim for the claim entered by the investigator is received, the step of assigning the claim case and generating the survey task to the investigator includes:

When receiving the claim for input by the investigator, determining whether the investigator has the right to claim compensation;

If the investigator has the claim accepting authority, the claim settlement case is correspondingly configured according to the claims application, and an investigation task is generated and sent to the investigator.
The method for claim settlement according to claim 1, wherein the receiving the investigation person submits the claim report and the investigation report to the audit node based on the investigation report submitted by the investigation task, Also includes:

Resell the investigation task.
A case claim device, characterized in that the case claim device comprises:

The matching module is configured to send a survey claim to the investigator when the claim for the claim entered by the investigator is received;

a reporting module, configured to receive an investigation report submitted by the investigator based on the investigation task, and submit the claim case and the investigation report to an audit node;

The claim module is configured to perform the payment of the claim case according to the claim instruction when receiving the payout instruction fed back by the audit node.
The case claim apparatus according to claim 9, wherein said matching module is further used for

Obtaining the identity of the insured person carried in the claim application when receiving the claim application input by the investigator; searching for all the policies of the insured person according to the insured person's identity, and configuring the policy list for the investigator to select Obtaining a policy selected by the surveyor based on the policy list, correspondingly configuring a claim case, and generating a survey task to be sent to the surveyor.
The case claim apparatus according to claim 10, wherein said matching module is further configured to:

Upon receiving the policy selected by the investigator based on the policy list, displaying the terms of the selected policy for selection; obtaining the policy and terms selected by the investigator, correspondingly configuring the claim case, and generating an investigation task Issued to the investigator.
The case claim apparatus according to claim 10, wherein said matching module is further configured to:

Finding all the policies of the insured according to the insured person's identity; screening out the policy within the insurance period in all the policies of the insured, and configuring the policy as a list of policies for the investigator to select.
A server, comprising: a memory, a processor, and a case claim program stored on the memory and operable on the processor, when the case claim program is executed by the processor Implement the following steps:

When receiving the claim application input by the investigator, the corresponding claim settlement case is generated and an investigation task is generated and sent to the investigator;

Receiving the investigation report submitted by the investigator based on the investigation task, and submitting the claim case and the investigation report to the audit node;

When receiving the compensation instruction fed back by the auditing node, the claims of the claim case are paid according to the claim.
The server according to claim 13, wherein said case claim program is further executed as follows when said processor is executed by said processor:

Obtaining the identity of the insured person carried in the claim application when receiving the claim for the claim entered by the investigator;

Finding all the policies of the insured according to the insured identity, and configuring a policy list for the investigator to select;

Obtaining a policy selected by the surveyor based on the policy list, correspondingly configuring a claim case, and generating a survey task to be sent to the surveyor.
The server according to claim 14, wherein said case claim program is further executed as follows when said processor is executed by said processor:

When the policy selected by the surveyor based on the policy list is received, the terms of the selected policy are displayed for selection;

Obtaining the policy and terms selected by the investigator, correspondingly configuring the claim case, and generating a survey task to be sent to the surveyor.
The server according to claim 14, wherein said case claim program is further executed as follows when said processor is executed by said processor:

Finding all the policies of the insured according to the insured person's identity;

The policy of the insured person is selected in the policy of the insured person, and is configured as a policy list for the investigator to select.
A computer readable storage medium, wherein the computer readable storage medium stores a case claim program, and when the case claim program is executed by the processor, the following steps are implemented:

When receiving the claim application input by the investigator, the corresponding claim settlement case is generated and an investigation task is generated and sent to the investigator;

Receiving the investigation report submitted by the investigator based on the investigation task, and submitting the claim case and the investigation report to the audit node;

When receiving the compensation instruction fed back by the auditing node, the claims of the claim case are paid according to the claim.
The computer readable storage medium of claim 17, wherein the case claim program is further executed by the processor to:

Obtaining the identity of the insured person carried in the claim application when receiving the claim for the claim entered by the investigator;

Finding all the policies of the insured according to the insured identity, and configuring a policy list for the investigator to select;

Obtaining a policy selected by the surveyor based on the policy list, correspondingly configuring a claim case, and generating a survey task to be sent to the surveyor.
The computer readable storage medium of claim 18, wherein the case claim program is further executed by the processor to:

When the policy selected by the surveyor based on the policy list is received, the terms of the selected policy are displayed for selection;

Obtaining the policy and terms selected by the investigator, correspondingly configuring the claim case, and generating a survey task to be sent to the surveyor.
The computer readable storage medium of claim 18, wherein the case claim program is further executed by the processor to:

Finding all the policies of the insured according to the insured person's identity;

The policy of the insured person is selected in the policy of the insured person, and is configured as a policy list for the investigator to select.