WO2019019753A1 - 提供健康报告的判断方法、装置、计算机设备和存储介质 - Google Patents

提供健康报告的判断方法、装置、计算机设备和存储介质 Download PDF

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Publication number
WO2019019753A1
WO2019019753A1 PCT/CN2018/085119 CN2018085119W WO2019019753A1 WO 2019019753 A1 WO2019019753 A1 WO 2019019753A1 CN 2018085119 W CN2018085119 W CN 2018085119W WO 2019019753 A1 WO2019019753 A1 WO 2019019753A1
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Prior art keywords
insured
insured person
preset
person
evaluation value
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English (en)
French (fr)
Inventor
吴观峰
高雪
李斌
陈杰
邵正铂
马向东
丁杰
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Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

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  • the present application relates to a method, device, computer device and storage medium for providing a health report.
  • the insured's income, age, guarantee amount, health status and other factors directly affect whether the policy of the insured can be approved.
  • the insured needs to provide a health report is required.
  • the underwriting is still judged by humans, but the inventor realizes that as the influential factors of the insured's health report need to be increased, the workload of the insurer is also increasing, and when insured There are a large number of people, such as group insurance.
  • the work of the underwriters is very large and the work efficiency is low.
  • a method, apparatus, computer device, and storage medium for providing a health report are provided.
  • a method of judging health reports including:
  • the result of the judgment is displayed simultaneously with the corresponding insured person's logo.
  • a judging device for providing a health report includes:
  • a parameter value obtaining module configured to acquire a parameter value of a preset attribute associated with the insured person identifier
  • a calculation module configured to calculate, according to the parameter value, an insured person's underwriting assessment value corresponding to the insured identifier
  • a judging module configured to determine, according to the threshold range in which the underwriting evaluation value is located, whether it is necessary to provide a health notification of the insured corresponding to the insured identifier and whether it is necessary to provide a medical examination report of the insured corresponding to the insured person identifier;
  • a display module is configured to display the result of the judgment simultaneously with the corresponding insured person identifier.
  • a computer device comprising a memory and one or more processors having stored therein computer readable instructions, the computer readable instructions being executable by the processor to cause the one or more processors to execute The following steps:
  • the result of the judgment is displayed simultaneously with the corresponding insured person's logo.
  • One or more non-volatile storage media storing computer readable instructions, when executed by one or more processors, cause one or more processors to perform the following steps:
  • the result of the judgment is displayed simultaneously with the corresponding insured person's logo.
  • 1A is an application scenario diagram of a method for determining a health report according to one or more embodiments.
  • FIG. 1B is a flowchart of a method for determining a health report according to one or more embodiments of the present application
  • FIG. 2 is a flowchart of a method for determining a health report according to another embodiment of the present application
  • FIG. 3 is a block diagram of a judging apparatus for providing a health report according to one or more embodiments of the present application
  • FIG. 4 is an internal block diagram of a computer device in accordance with one or more embodiments of the present application.
  • the method for judging the health report provided by the present application can be applied to the application environment as shown in FIG. 1A.
  • the terminal 102 communicates with the server 104 over a network.
  • the terminal 102 acquires a parameter value of a preset attribute associated with the insured person identifier, and calculates an insured person's underwriting evaluation value corresponding to the insured person identifier according to the parameter value, according to the threshold value of the underwriting evaluation value.
  • the scope determines whether it is necessary to provide the health notification of the insured corresponding to the insured person's identity and whether it is necessary to provide the medical examination report of the insured corresponding to the insured person's identity, and display the result of the judgment together with the corresponding insured person's identity.
  • the terminal 102 may also save the result of the determination to the local. In other embodiments, in order to save storage space, the terminal 102 may also send the result of the determination to the server 104, and the server 104 stores the received judgment result in association with the insured identifier.
  • 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.
  • FIG. 1B is a flowchart of a method for determining a health report according to an embodiment of the present application.
  • a method for determining a health report according to an embodiment of the present application is described in detail below with reference to FIG. 1B, as shown in FIG. 1B.
  • the method includes the following steps S101, S102, and S103.
  • the insured person identification includes, but is not limited to, the insured name, identity card number, cell phone number, and the like.
  • the system stores the attribute set of the insurance category purchased by the applicant (ie, the user who purchases the insurance), and the step may be implemented by: acquiring an attribute set of the insurance category purchased by the policy holder stored in the system, for example, the attribute set, for example,
  • the beneficiary (ie, the insured) of the insurance purchased for the insured person includes the gender, age, industry, and monthly income; according to the insured's electronic policy, the insured person is obtained through the filling of the reporter.
  • Identifying the attribute of the corresponding storage for example, the insured's name, phone number, gender, age, industry of employment, ID card number, by obtaining the attribute set and the acquired attribute set in the insured's electronic policy
  • the intersection can determine the default attributes associated with the insured identification as gender, age, and industry in which they are engaged.
  • the parameter value of the attribute may be a preset parameter value corresponding to the attribute, and is determined by receiving a parameter value of a certain attribute input by the user, and the acquired attribute includes the insured person identifier.
  • the attribute of the numerical class such as the corresponding guarantee amount may also be obtained by calculating the obtained attribute, for example, when the attribute includes the insured person's guarantee amount corresponding to the insured person's identification obtained through data transfer, the acquisition and the acquisition.
  • the step of identifying the parameter value of the preset attribute associated with the insured person includes: calculating a difference between the guarantee amount and the preset minimum amount; dividing the difference by the preset maximum amount as the parameter of the guarantee amount value.
  • the above method of transferring data may be online transfer or transfer of cash.
  • the manner of associating the insured person's identity with the insured person's preset attribute may be associated with the object indicated by the next hop in the pointer of the data of the insured person's identity stored in the memory, or may be through a table. Correspondence is made in the form of a form or a matrix.
  • the significance of the underwriting assessment value is as a basis for assessing whether the corresponding insured person needs to provide the insured's health notification and whether it is necessary to provide the insured's medical examination report.
  • the product of all parameter values is taken as the underwriting evaluation value.
  • S103 Determine, according to the threshold range in which the underwriting evaluation value is located, whether it is necessary to provide a health notification of the insured corresponding to the insured person ID and whether it is necessary to provide a medical examination report of the insured person corresponding to the insured person identification.
  • the insured person's health notification and medical examination report may require the insured to provide a health notification and a medical examination report according to the size of the underwriting assessment value, or may require the insured to provide only health notification or only A medical report may be provided, or the insured may not be required to provide a health notification and a medical report.
  • the step further includes: when the underwriting evaluation value is within a preset first threshold range, determining that it is not necessary to provide the insured person's health notification and the medical examination report corresponding to the insured person identification, when the underwriting is performed
  • the evaluation value is within the preset second threshold range, it is judged that only the health notification of the insured corresponding to the insured identification is required
  • the underwriting evaluation value is within the preset third threshold range, it is judged only It is required to provide a medical examination report of the insured corresponding to the insured person's identification
  • the underwriting evaluation value is within a preset fourth threshold range, it is determined that the insured person's health notification corresponding to the insured person's identification needs to be provided and Medical report.
  • the preset attributes associated with the insured person identification include: the insured person's monthly income is 6000, the age is 35, the gender is female, and the guarantee amount is 50000, and the monthly income is An attribute corresponding to the preset parameter value ⁇ in is: when the insured person's monthly salary is greater than 8000, the value of the ⁇ in is set to 0.2, and when the insured person's monthly salary is between 4000 and 8000, the ⁇ in The value is set to 0.5. When the insured's moon star is below 4000, the value of ⁇ in is set to 0.8, and the preset parameter value corresponding to the insured person of age 35 is 1, and the gender is female.
  • the first threshold value range is, for example, 0,
  • the preset second threshold value range is, for example, 0 to 0.5
  • the preset third threshold value range is, for example, 0.5 to 1
  • the preset fourth threshold value range is, for example, 1, According to this, the system can know that the underwriting evaluation value is 0.25 by comparing the range of the underwriting evaluation value. Within the second threshold range, it is judged that it is only necessary to provide the health notification of the insured corresponding to the insured person's identification, and it is not necessary to provide the insured's medical examination report corresponding to the insured person's identification.
  • the preset attribute may be divided into an internal factor attribute and an external factor attribute, wherein the internal factor attribute is an attribute having a small change probability associated with the insured, such as an insured person's age, The gender guarantee amount, etc., the external factor attribute is an attribute with a high probability of change related to the insured, such as the risk of the work performed by the insured, the institution to which the insured belongs, the income of the insured, etc.
  • the parameter value of the external factor is obtained by multiplying the parameter value of the attribute of each external factor
  • the parameter value of the internal factor is obtained by a preset value or a preset calculation method, and then passed through the internal
  • the underwriting evaluation value is obtained by multiplying the parameter value of the factor by the parameter value of the external factor.
  • the external factor attribute P e includes the insured person's institution, the risk of the insured person's work, and the insured's income, wherein the insured person is dangerous to work by matching
  • the characters in the occupational profession and the keywords of the pre-set dangerous industry can be obtained, for example, the keywords of the pre-set dangerous industry include “mine”, the occupation of the insured is “mining workers”, and the occupation of the insured
  • the name contains the keywords of the preset dangerous industry
  • the insured person is judged to be engaged in the dangerous industry, and the risk of the insured person working (ie, the parameter value) is obtained through preset rules, for example, the dangerous industry can be matched.
  • the length of the keyword is divided by the length of the insured's professional name to obtain the risk of the insured person's work.
  • the keyword "mine” has a length of 1
  • the internal factor attribute includes the type of insurance covered by the insured, the age of the insured is 35, the gender of the insured is the female and the guaranteed amount of the insured is 50,000, and the age of the insured in the above-mentioned use scenario is insured.
  • the gender and the insured's guarantee amount correspond to the parameter values of 1, 1 and 0.25 respectively.
  • the attribute of the insurance covered by the insured corresponds to the preset parameter value of 0, and the calculation of the parameter value of the internal factor attribute Mode
  • the value is 0.
  • the first threshold range is, for example, 0, it is judged that it is not necessary to provide the health notification of the insured corresponding to the insured person's identity, and it is not necessary to provide the medical examination report corresponding to the insured person's identification.
  • the underwriting evaluation value is calculated, and then the threshold range of the underwriting evaluation value is automatically judged whether It is necessary to provide the insured's health notification corresponding to the insured's logo and whether it is necessary to provide the insured's medical examination report corresponding to the insured person's logo, eliminating the manual judgment of the working mechanism, saving the underwriting time and improving the time. Checking efficiency.
  • FIG. 2 is a flowchart of a method for determining a health report according to another embodiment of the present application, and a method for determining a health report, as shown in FIG. 2, the method for determining a health report includes the above steps S101, S102 and S103 further includes step S104:
  • S104 Whether it is necessary to provide a health notification of the insured person corresponding to the insured person ID and whether it is necessary to provide a medical examination report of the insured person corresponding to the insured person's identification.
  • the result of the judgment (that is, whether it is determined whether it is necessary to provide the health of the insured corresponding to the insured person's identity, whether it is necessary to provide the medical examination of the insured corresponding to the insured person's identity may be
  • the report is displayed simultaneously with the corresponding insured person's logo, wherein the insured person's logo includes but is not limited to the insured's name, phone number, gender, age, industry of employment, ID card number, and the insured person's logo displayed includes the above At least one of these insured persons' logos.
  • the step S104 further includes saving whether the health of the insured corresponding to the insured person is required to be provided and whether the medical examination report of the insured corresponding to the insured person is required to be provided.
  • the display result is displayed through a screen of the user terminal, including but not limited to a mobile phone, a personal computer, a tablet computer, etc., and the display manner may be the name and judgment result of the insured person. Corresponding display.
  • This embodiment provides a method for saving and displaying the judgment result so that the underwriter can intuitively see the judgment result of the system.
  • steps in the flowcharts of FIGS. 1B and 2 are sequentially displayed in accordance with the indication of 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 orders. Moreover, at least some of the steps in FIG. 1B and FIG. 2 may include a plurality of sub-steps or stages, which are not necessarily performed at the same time, but may be performed at different times, or The order of execution of the stages is also not necessarily sequential, but may be performed alternately or alternately with at least a portion of the sub-steps or stages of other steps or other steps.
  • the parameter value obtaining module 11 is configured to obtain a parameter value of a preset attribute associated with the insured person identifier
  • the calculating module 12 is configured to calculate, according to the parameter value, the insured person's underwriting corresponding to the insured person identifier.
  • the evaluation module 13 is configured to determine, according to the threshold range in which the underwriting evaluation value is located, whether it is necessary to provide the health notification of the insured corresponding to the insured identification and whether the insured corresponding to the insured identification is required to be provided
  • the medical examination report; and the display module 14 is configured to display the result of the judgment together with the corresponding insured person identification.
  • the insured person identifier includes, but is not limited to, an attribute set of a type of insurance purchased by an insured (ie, a user who purchases insurance) in the system of the insured name, the ID number, the mobile phone number, and the like, and the parameter value obtaining module 11 Specifically obtaining an attribute set of the insurance category purchased by the policy holder stored in the system, where the attribute set is, for example, the sex, age, engaged industry, and monthly income of the beneficiary (ie, the insured) of the insurance purchased by the policy holder;
  • the attributes stored in the insured's identification are obtained by filling in the record, such as the insured's name, telephone number, gender, age, industry, ID number, Then, by obtaining the intersection of the attribute set and the acquired attribute set in the insured's electronic policy, it can be determined that the preset attribute associated with the insured person identification is gender, age, and engaged industry.
  • the parameter value of the attribute may be a preset parameter value corresponding to the attribute, and is determined by receiving a parameter value of a certain attribute input by the user, and the obtained attribute includes a guarantee amount corresponding to the insured person identifier and the like.
  • the attribute of the class may also be obtained by calculating the obtained attribute.
  • the parameter value obtaining module 11 further includes: The first calculating unit is configured to calculate a difference between the guarantee amount and the preset minimum amount; and the second calculating unit is configured to divide the difference by the preset maximum amount as a parameter value of the guarantee amount.
  • the above method of transferring data may be online transfer or transfer of cash.
  • the manner of associating the insured person's identity with the insured person's preset attribute may be associated with the object indicated by the next hop in the pointer of the data of the insured person's identity stored in the memory, or may be through a table. Correspondence is made in the form of a form or a matrix.
  • the calculation module is also used to use the product of all parameter values as the underwriting evaluation value.
  • the parameter value obtaining module is specifically configured to obtain a corresponding preset parameter value of the preset attribute associated with the insured person identifier.
  • the determining module is further configured to: when the underwriting evaluation value is within a preset first threshold range, determine that the health notification of the insured corresponding to the insured identifier is not required to be provided. And the medical examination report, when the underwriting evaluation value is within the preset second threshold range, it is judged that only the health information of the insured corresponding to the insured person identification needs to be provided, when the underwriting evaluation value is in the preset.
  • the threshold value is within the range of three thresholds, it is judged that it is only necessary to provide the medical examination report of the insured corresponding to the insured person identification.
  • the underwriting evaluation value is within the preset fourth threshold range, it is determined that the insured person identifier needs to be provided. The insured's health notification and medical report.
  • the judging device 10 for providing a health report further includes:
  • an association module configured to associate the insured identifier with the object indicated by the next hop in the pointer of the insured person preset attribute by the insured person identifier stored in the memory.
  • association module is further configured to associate the insured identifier with the preset attribute in the form of a table or in the form of a matrix.
  • the above-mentioned judging device 10 for providing a health report can be implemented by a hardware structure, for example, by a general computer device, wherein the parameter value obtaining module 11 can correspond to a mouse of a computer device or The physical keyboard, when the screen of the computer device has a touch function, the parameter value obtaining module 11 can also be a virtual keyboard on the screen of the computer device, and the computing module 12 and the determining module 13 correspond to the central processing unit CPU of the computer device, and the display The module corresponds to the display of the computer device or the screen of the computer device.
  • FIG. 4 is an internal block diagram of a computer device, such as the computer device shown in FIG. 4, which can be used as the terminal described above, in accordance with an embodiment of the present application.
  • the computer device includes a processor coupled through a system bus, a non-volatile storage medium, an internal memory, a display screen, and an input device.
  • the non-volatile storage medium of the computer device can store an operating system and computer readable instructions, and when the computer readable instructions are executed, the processor can be executed to perform a method for determining a health report according to various embodiments of the present application.
  • the specific implementation process of the method may refer to the specific content of each embodiment in FIG. 1B and FIG. 2, and details are not described herein again.
  • the processor of the computer device is used to provide computing and control capabilities to support the operation of the entire computer device.
  • a display screen of the computer device is used for display, and an input device of the computer device is configured to receive a parameter such as a parameter value of a preset attribute associated with the insured person identification input by the user.
  • a parameter such as a parameter value of a preset attribute associated with the insured person identification input by the user.
  • 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 processor, causing the one or more processors to perform the steps of: acquiring the insured Identifying a parameter value of the associated preset attribute; calculating an insured person's underwriting evaluation value corresponding to the insured person's identity according to the parameter value; and determining whether it is required to be provided and insured according to the threshold range in which the underwriting evaluation value is located The health indication of the insured person corresponding to the person identification and whether it is necessary to provide the medical examination report of the insured corresponding to the insured person's identification.
  • the insured person's underwriting evaluation value corresponding to the insured person's identification is calculated according to the parameter value, and the product result of all the parameter values is used as the underwriting evaluation value.
  • the processor further implements the following steps when executing the computer readable instructions:
  • the underwriting evaluation value is within a preset first threshold range, it is determined that it is not necessary to provide a health notification and a medical examination report of the insured corresponding to the insured person identification, when the underwriting evaluation value is in the preset second
  • the threshold value is within the range, it is judged that only the health notification of the insured corresponding to the insured person identifier needs to be provided.
  • the underwriting evaluation value is within the preset third threshold range, it is judged that only the insured person identifier needs to be provided.
  • the insured person's medical examination report when the underwriting assessment value is within the preset fourth threshold range, judges that it is necessary to provide the insured's health notification and medical examination report corresponding to the insured person's identification.
  • the parameter value of the attribute is a preset parameter value corresponding to the attribute.
  • the attribute includes a guaranteed amount of the insured corresponding to the insured identification obtained by data transfer
  • the processor further implements the following steps when executing the computer readable instructions:
  • the processor further implements the following steps when executing the computer readable instructions:
  • One or more non-volatile storage media storing computer readable instructions, when executed by one or more processors, cause one or more processors to perform the steps of: obtaining an insured identification The parameter value of the preset attribute; the insured person's underwriting evaluation value corresponding to the insured person's identity is calculated according to the parameter value; and whether the insured person's identity needs to be provided is determined according to the threshold range in which the underwriting evaluation value is located Corresponding insured person's health notification and whether it is necessary to provide a medical report of the insured person corresponding to the insured person's logo.
  • the insured person's underwriting evaluation value corresponding to the insured person's identity is calculated according to the parameter value, that is, the product result of all the parameter values is used as the underwriting evaluation value;
  • the following steps are further implemented: when the underwriting evaluation value is within a preset first threshold range, determining that it is not necessary to provide the corresponding corresponding to the insured identification
  • the health notification and medical report of the guarantor when the underwriting assessment value is within the preset second threshold range, it is judged that only the health notification of the insured corresponding to the insured identification is required, when the underwriting assessment value
  • it is within the preset third threshold range it is judged that only the medical examination report of the insured corresponding to the insured person identifier needs to be provided
  • the underwriting evaluation value is within the preset fourth threshold range, the judgment needs to be provided
  • the health notification and medical report of the insured person corresponding to the insured person's logo when the underwriting evaluation value is within a preset first threshold range, determining that it is not necessary to provide the corresponding corresponding to the insured identification
  • the health notification and medical report of the guarantor when the underwriting assessment value is within the preset second threshold range, it is judged that only the health notification of the insured
  • the parameter value of the attribute is a preset parameter value corresponding to the attribute.
  • the attribute includes a guaranteed amount of the insured corresponding to the insured identification obtained by data transfer
  • the computer readable instructions are further executed by the processor to: calculate the guarantee amount and preset The difference of the minimum amount; the quotient that divides the difference by the preset maximum amount is taken as the parameter value of the guarantee amount.
  • the computer readable instructions when executed by the processor, also implement the following steps:
  • Non-volatile memory can include read only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory.
  • Volatile memory can include random access memory (RAM) or external cache memory.
  • RAM is available in a variety of formats, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronization chain.
  • SRAM static RAM
  • DRAM dynamic RAM
  • SDRAM synchronous DRAM
  • DDRSDRAM double data rate SDRAM
  • ESDRAM enhanced SDRAM
  • Synchlink DRAM SLDRAM
  • Memory Bus Radbus
  • RDRAM Direct RAM
  • DRAM Direct Memory Bus Dynamic RAM
  • RDRAM Memory Bus Dynamic RAM

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Abstract

一种提供健康报告的判断方法，包括：获取与被保人标识相关联的预设属性的参数值；根据该参数值计算与被保人标识对应的被保人的核保评估值；根据该核保评估值所在的阈值范围判断是否需要提供与被保人标识对应的被保人的健康告知及是否需要提供与被保人标识对应的被保人的体检报告；及将判断的结果与对应的被保人标识同时显示。

Description

提供健康报告的判断方法、装置、计算机设备和存储介质
相关申请的交叉引用
本申请要求于2017年07月25日提交中国专利局，申请号为201710614426X，申请名称为“提供健康报告的判断方法、装置、计算机设备和存储介质”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉及提供健康报告的判断方法、装置、计算机设备及存储介质。
背景技术
在对投保单是否通过的审核过程中，被保人的收入、年龄、担保金额、健康状况等因素直接影响了该被保人的保单是否能核准通过，目前对于是否需要投保人提供健康报告来核保还是由人工来评判，但是，发明人意识到，随着需要提供被保人的健康报告的影响因素越来越多，导致核保人的工作量也越来越大，且当被保险人数非常多，比如团险，一个保单下可能会包含上百甚至有几千个被保人时，导致核保人的工作量非常大，并且工作效率低。
目前急切的需要一种根据影响因子自动判断是否需要提供被保人的体检证明和健康告知的方法，以提高核保效率。
发明内容
根据本申请公开的各种实施例，提供一种提供健康报告的判断方法、装置、计算机设备及存储介质。
一种提供健康报告的判断方法，包括：
获取与被保人标识相关联的预设属性的参数值；
根据该参数值计算与被保人标识对应的被保人的核保评估值；
根据该核保评估值所在的阈值范围判断是否需要提供与被保人标识对应的被保人的健康告知及是否需要提供与被保人标识对应的被保人的体检报告；及
将判断的结果与对应的被保人标识同时显示。
一种提供健康报告的判断装置包括：
参数值获取模块，用于获取与被保人标识相关联的预设属性的参数值；
计算模块，用于根据该参数值计算与被保人标识对应的被保人的核保评估值；
判断模块，用于根据该核保评估值所在的阈值范围判断是否需要提供与被保人标识对应的被保人的健康告知及是否需要提供与被保人标识对应的被保人的体检报告；及
显示模块，用于将判断的结果与对应的被保人标识同时显示。
一种计算机设备，包括存储器和一个或多个处理器，所述存储器中储存有计算机可读指令，所述计算机可读指令被所述处理器执行时，使得所述一个或多个处理器执行以下步骤：
获取与被保人标识相关联的预设属性的参数值；
根据该参数值计算与被保人标识对应的被保人的核保评估值；
根据该核保评估值所在的阈值范围判断是否需要提供与被保人标识对应的被保人的健康告知及是否需要提供与被保人标识对应的被保人的体检报告；及
将判断的结果与对应的被保人标识同时显示。
一个或多个存储有计算机可读指令的非易失性存储介质，计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行以下步骤：
获取与被保人标识相关联的预设属性的参数值；
根据该参数值计算与被保人标识对应的被保人的核保评估值；
根据该核保评估值所在的阈值范围判断是否需要提供与被保人标识对应 的被保人的健康告知及是否需要提供与被保人标识对应的被保人的体检报告；及
将判断的结果与对应的被保人标识同时显示。
本申请的一个或多个实施例的细节在下面的附图和描述中提出。本申请的其它特征和优点将从说明书、附图以及权利要求书变得明显。
附图说明
为了更清楚地说明本申请实施例中的技术方案，下面将对实施例中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本申请的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其它的附图。
图1A为根据一个或多个实施例中提供健康报告的判断方法的应用场景图
图1B为根据本申请的一个或多个实施例的提供健康报告的判断方法的流程图；
图2为根据本申请的另一实施例的提供健康报告的判断方法的流程图；
图3为根据本申请的一个或多个实施例的提供健康报告的判断装置的框图；
图4为根据本申请的一个或多个实施例的计算机设备的内部框图。
具体实施方式
为了使本申请的技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
本申请提供的提供健康报告的判断方法，可以应用于如图1A所示的应用环境中。终端102与服务器104通过网络进行通信。终端102获取与被保人标识相关联的预设属性的参数值，根据所述参数值计算与被保人标识对应 的被保人的核保评估值，根据所述核保评估值所在的阈值范围判断是否需要提供与被保人标识对应的被保人的健康告知及是否需要提供与被保人标识对应的被保人的体检报告，将判断的结果与对应的被保人标识同时显示。在本申请的一些实施例中，终端102还可以将判断的结果保存至本地。在另一些实施例中，为了节省存储空间，终端102也可以将判断的结果发送至服务器104，服务器104将接收到的判断结果与被保人标识进行对应存储。终端102可以但不限于是各种个人计算机、笔记本电脑、智能手机、平板电脑和便携式可穿戴设备，服务器104可以用独立的服务器或者是多个服务器组成的服务器集群来实现。
图1B为根据本申请的一个实施例的提供健康报告的判断方法的流程图，下面结合图1B来详细描述根据本申请的一个实施例的提供健康报告的判断方法，如图1B所示，该方法包括以下步骤S101、S102和S103。
S101、获取与被保人标识相关联的预设属性的参数值。
根据本实施例的一个示例，该被保人标识包括但不限于被保人的姓名、身份证号码、手机号等等。其中，系统中存储有投保人(即购买保险的用户)购买的险种类别的属性集，本步骤可以这样来实现：获取系统中存储的投保人所购买的险种类别的属性集，该属性集例如为保人购买的保险的受益人(即被保人)的包括性别、年龄、从事的行业、月收入；根据被保人的电子保单中通过录单员的填写等方式获取与该被保人标识对应存储的属性，例如为被保人的姓名、电话号码、性别、年龄、从事的行业、身份证号码，则通过求取该属性集与获取的被保人的电子保单中的属性集的交集，可以确定与被保人标识相关联的预设属性为性别、年龄、从事的行业。
根据本实施例的另一示例，该属性的参数值可以为与该属性对应预设的参数值，通过接收用户输入的某个属性的参数值来确定，当获取的属性中包括被保人标识对应的担保额度等数值类的属性时，也可以通过对获取属性进行计算来得到，例如当该属性包括通过数据转移获得的该被保人标识对应的被保人的担保额度时，该获取与被保人标识相关联的预设属性的参数值的步 骤包括：计算该担保额度与预设的最小额度的差值；将该差值除以预设的最大额度的商作为该担保额度的参数值。其中，上述的通过数据转移的方式可以是网上转账，也可以是转移现金。根据该示例的一个使用场景例如：投保人通过数据转移获得的该被保人标识对应的被保人的担保额度为50000，其中，预设的最小额度为30000，预设的最大额度为40000，则该担保额度这一预设属性的参数值为(50000-30000)/40000＝0.5。
将被保人标识与该被保人预设属性进行关联的方式可以是通过在存储器中存储的被保人标识这一数据的指针中下一跳所指的对象进行关联，也可以是通过表格的形式或者矩阵的形式进行对应关联。
S102、根据该参数值计算与被保人标识对应的被保人的核保评估值。
在该步骤中，核保评估值的意义在于作为评估对应的被保人是否需要提供被保人的健康告知及是否需要提供被保人的体检报告的依据。根据本实施例的一个示例，将所有参数值的乘积结果作为该核保评估值。
S103、根据该核保评估值所在的阈值范围判断是否需要提供与被保人标识对应的被保人的健康告知及是否需要提供与被保人标识对应的被保人的体检报告。
根据本实施例的一个示例，该被保人的健康告知和体检报告可以根据核保评估值的大小要求被保人同时提供健康告知和体检报告，也可以要求被保人仅提供健康告知或仅提供体检报告，也可以不要求被保人提供健康告知和体检报告。
进一步地，该步骤还包括：当该核保评估值在预设的第一阈值范围内时，判断不需要提供与被保人标识对应的被保人的健康告知及体检报告，当该核保评估值在预设的第二阈值范围内时，判断仅需要提供与被保人标识对应的被保人的健康告知，当该核保评估值在预设的第三阈值范围内时，判断仅需要提供与被保人标识对应的被保人的体检报告，当该核保评估值在预设的第四阈值范围内时，判断需要提供与被保人标识对应的被保人的健康告知及体检报告。
根据本实施例的一个使用场景，例如获取的与被保人标识相关联的预设属性包括被保人的月收入为6000、年龄为35、性别为女及担保金额为50000，与月收入这一属性对应预设的参数值ρ in为：当被保人的月薪大于8000时，该ρ in的取值设为0.2，当被保人的月薪在4000至8000之间时，该ρ in的取值设为0.5，当被保人的月星在4000以下时，该ρ in的取值设为0.8，与年龄为35岁的被保人对应预设的参数值为1，与性别为女的属性对应的参数值预设为1，续上述的担保金额为50000时的使用场景计算的参数值为0.5，则该投保人的核保评估值为0.5*1*1*0.5＝0.25，其中，上述第一阈值范围例如为0，上述预设的第二阈值范围例如为0～0.5，上述预设的第三阈值范围例如为0.5～1，上述预设的第四阈值范围例如为1，据此，系统通过比较该核保评估值所在的范围可知该核保评估值0.25在预设的第二阈值范围内，则判断仅需要提供与被保人标识对应的被保人的健康告知，不需要提供与被保人标识对应的被保人的体检报告。
根据本实施例的另一示例，可以将上述预设属性分为内部因子属性和外部因子属性，其中，内部因子属性为与被保人相关的改变概率小的属性，例如被保人的年龄、性别担保金额等等，外部因子属性为与被保人相关的改变概率大的属性，例如被保人所从事工作的危险度、被保人所属的机构、被保人的收入情况等等，根据本实施例的一个示例，该外部因子的参数值通过其各个外部因子的属性的参数值相乘得到，该内部因子的参数值通过预设的数值或者预设的计算方法来得到，再通过内部因子的参数值与外部因子的参数值的乘积得到该核保评估值。
根据本实施例的一个使用场景例如：外部因子属性P e包括被保人所述机构、被保人从事工作的危险度、被保人的收入，其中，被保人从事工作是否危险通过匹配被保人的职业中的字符与预设的危险行业的关键字可以得到，例如预设的危险行业的关键字包括“矿”，被保人的职业为“开矿工人”，当被保人的职业名称中包含有预设的危险行业的关键字时判断被保人从事危险行业，通过预设的规则获取被保人从事工作的危险度(即参数值)，例如，可 以将匹配的危险行业的关键字的长度除以被保人的职业名称的长度获得被保人从事工作的危险度，在本使用场景中，“矿”这一关键字的长度为1，“开矿工人”这一关键字的长度为4，则被保人从事工作的危险度为1/4＝0.25。进一步地，被保人所述机构这一属性的参数值预设为1，与被保人的收入6000这一属性对应预设的参数值为0.5，则该外部因子属性P e的参数值为1*0.25*0.5＝0.125。
内部因子属性包括被保人所承保的险种、被保人的年龄为35、被保人的性别为女及被保人的担保金额为50000，续上述使用场景中被保人的年龄、被保人的性别及被保人的担保金额对应的参数值分别为1、1和0.25，被保人所承保的险种这一属性对应预设的参数值为0，该内部因子属性的参数值的计算方式该内部因子中指定属性中参数值最小的属性与担保金额的参数值的乘积，其中内部因子中指定属性例如被保人所承保的险种、被保人的年龄为35、被保人的性别，指定属性(被保人所承保的险种、被保人的年龄为35、被保人的性别)中参数值最小的属性0与担保金额的参数值0.25的乘积为0，可以得到核保评估值为0，当上述第一阈值范围例如为0时，判断既不需要提供与被保人标识对应的被保人的健康告知，也不需要提供与被保人标识对应的体检报告。
本实施例通过定义一系列影响核保评估值的因素属性，并通过定义各个因素属性的参数值，计算出该核保评估值，然后通过判断该核保评估值所在的阈值范围自动的判断是否需要提供与被保人标识对应的被保人的健康告知及是否需要提供与被保人标识对应的被保人的体检报告，省去了人工判断的工作机制，节省了核保时间，提高了核保效率。
图2为根据本申请的另一实施例的提供健康报告的判断方法的流程图，如图2所示的提供健康报告的判断方法，该提供健康报告的判断方法在包括上述步骤S101、S102和S103的基础上还包括步骤S104：
S104、将是否需要提供与被保人标识对应的被保人的健康告知及是否需要提供与被保人标识对应的被保人的体检报告的判断结果显示。
根据本实施例第一个示例，可以将判断的结果(即判断的是否需要提供与被保人标识对应的被保人的健康告知、是否需要提供与被保人标识对应的被保人的体检报告)与对应的被保人标识同时显示，其中被保人标识包括但不限于被保人的姓名、电话号码、性别、年龄、从事的行业、身份证号码，显示的被保人标识包括上述这些被保人标识中的至少一种。
该步骤S104还包括将是否需要提供与被保人标识对应的被保人的健康告知及是否需要提供与被保人标识对应的被保人的体检报告的判断结果保存。
根据本实施例的一个示例，该显示结果通过用户终端的屏幕进行显示，该用户终端包括但不限于手机、个人电脑、平板电脑等等，显示的方式可以是将被保人的姓名与判断结果对应显示。
本实施例通过提供一种将判断结果进行保存和显示的方法使得核保人可以直观的看到系统的判断结果。
应该理解的是，虽然图1B及图2的流程图中的各个步骤按照箭头的指示依次显示，但是这些步骤并不是必然按照箭头指示的顺序依次执行。除非本文中有明确的说明，这些步骤的执行并没有严格的顺序限制，这些步骤可以以其它的顺序执行。而且，图1B及图2中的至少一部分步骤可以包括多个子步骤或者多个阶段，这些子步骤或者阶段并不必然是在同一时刻执行完成，而是可以在不同的时刻执行，这些子步骤或者阶段的执行顺序也不必然是依次进行，而是可以与其它步骤或者其它步骤的子步骤或者阶段的至少一部分轮流或者交替地执行。
图3为根据本申请的一个实施例的提供健康报告的判断装置的框图，下面结合图3来详细描述根据本申请的一个实施例的提供健康报告的判断装置，该提供健康报告的判断装置10包括：参数值获取模块11，用于获取与被保人标识相关联的预设属性的参数值；计算模块12，用于根据该参数值计算与被保人标识对应的被保人的核保评估值；判断模块13，用于根据该核保评估值所在的阈值范围判断是否需要提供与被保人标识对应的被保人的健康 告知及是否需要提供与被保人标识对应的被保人的体检报告；及显示模块14，用于将判断的结果与对应的被保人标识同时显示。
该被保人标识包括但不限于被保人的姓名、身份证号码、手机号等等系统中存储有投保人(即购买保险的用户)购买的险种类别的属性集，上述参数值获取模块11具体获取系统中存储的投保人所购买的险种类别的属性集，该属性集例如为保人购买的保险的受益人(即被保人)的包括性别、年龄、从事的行业、月收入；根据被保人的电子保单中通过录单员的填写等方式获取与该被保人标识对应存储的属性，例如为被保人的姓名、电话号码、性别、年龄、从事的行业、身份证号码，则通过求取该属性集与获取的被保人的电子保单中的属性集的交集，可以确定与被保人标识相关联的预设属性为性别、年龄、从事的行业。
进一步地，该属性的参数值可以为与该属性对应预设的参数值，通过接收用户输入的某个属性的参数值来确定，当获取的属性中包括被保人标识对应的担保额度等数值类的属性时，也可以通过对获取属性进行计算来得到，例如当该属性包括通过数据转移获得的该被保人标识对应的被保人的担保额度时，该参数值获取模块11还包括：第一计算单元，用于计算该担保额度与预设的最小额度的差值；第二计算单元，用于将该差值除以预设的最大额度的商作为该担保额度的参数值。其中，上述的通过数据转移的方式可以是网上转账，也可以是转移现金。根据该示例的一个使用场景例如：投保人通过数据转移获得的该被保人标识对应的被保人的担保额度为50000，其中，预设的最小额度为30000，预设的最大额度为40000，则该担保额度这一预设属性的参数值为(50000-30000)/40000＝0.5。
将被保人标识与该被保人预设属性进行关联的方式可以是通过在存储器中存储的被保人标识这一数据的指针中下一跳所指的对象进行关联，也可以是通过表格的形式或者矩阵的形式进行对应关联。
该计算模块还用于将所有参数值的乘积结果作为该核保评估值。
上述参数值获取模块具体用于获取与被保人标识相关联的预设属性的对 应预设的参数值。
根据本实施例的其中一个示例，该判断模块还具体用于当该核保评估值在预设的第一阈值范围内时，判断不需要提供与被保人标识对应的被保人的健康告知及体检报告，当该核保评估值在预设的第二阈值范围内时，判断仅需要提供与被保人标识对应的被保人的健康告知，当该核保评估值在预设的第三阈值范围内时，判断仅需要提供与被保人标识对应的被保人的体检报告，当该核保评估值在预设的第四阈值范围内时，判断需要提供与被保人标识对应的被保人的健康告知及体检报告。
根据本实施例的一个示例，该提供健康报告的判断装置10还包括：
关联模块，用于将被保人标识与该被保人预设属性通过在存储器中存储的被保人标识这一数据的指针中下一跳所指的对象进行关联。
进一步地，该关联模块还用于通过表格的形式或者通过矩阵的形式将被保人标识与预设属性进行关联。
本领域的技术人员应该可以理解，上述提供健康报告的判断装置10中可通过硬件结构来实现，例如，可通过普通计算机设备来实现，其中，参数值获取模块11可对应该计算机设备的鼠标或实体键盘，当该计算机设备的屏幕具有触控功能时，参数值获取模块11还可以是计算机设备屏幕上的虚拟键盘，计算模块12及判断模块13对应该计算机设备的中央处理器CPU，该显示模块对应该计算机设备的显示器或者该计算机设备的屏幕。
进一步地，图4为根据本申请的一个实施例的计算机设备的内部框图，如图4所示的计算机设备，该计算机设备可用作上述终端。该计算机设备包括通过系统总线连接的处理器、非易失性存储介质、内存储器、显示屏和输入装置。其中，该计算机设备的非易失性存储介质可存储操作系统和计算机可读指令，该计算机可读指令被执行时，可使得处理器执行本申请各实施例的一种提供健康报告的判断方法，该方法的具体实现过程可参考图1B和图2中各实施例的具体内容，在此不再赘述。该计算机设备的处理器用于提供计算和控制能力，支撑整个计算机设备的运行。计算机设备的显示屏用于进行 显示，该计算机设备的输入装置用于接收用户输入的与被保人标识相关联的预设属性的参数值等参数。本领域技术人员可以理解，图4中示出的结构，仅仅是与本申请方案相关的部分结构的框图，并不构成对本申请方案所应用于其上的计算机设备的限定，具体的计算机设备可以包括比图中所示更多或更少的部件，或者组合某些部件，或者具有不同的部件布置。
一种计算机设备，包括存储器和一个或多个处理器，存储器中储存有计算机可读指令，计算机可读指令被处理器执行时，使得一个或多个处理器执行以下步骤：获取与被保人标识相关联的预设属性的参数值；根据该参数值计算与被保人标识对应的被保人的核保评估值；及根据该核保评估值所在的阈值范围判断是否需要提供与被保人标识对应的被保人的健康告知及是否需要提供与被保人标识对应的被保人的体检报告。
在其中一个实施例中，根据该参数值计算与被保人标识对应的被保人的核保评估值，为：将所有参数值的乘积结果作为核保评估值。
在其中一个实施例中，处理器执行计算机可读指令时还实现以下步骤：
当该核保评估值在预设的第一阈值范围内时，判断不需要提供与被保人标识对应的被保人的健康告知及体检报告，当该核保评估值在预设的第二阈值范围内时，判断仅需要提供与被保人标识对应的被保人的健康告知，当该核保评估值在预设的第三阈值范围内时，判断仅需要提供与被保人标识对应的被保人的体检报告，当该核保评估值在预设的第四阈值范围内时，判断需要提供与被保人标识对应的被保人的健康告知及体检报告。
在其中一个实施例中，该属性的参数值为与该属性对应预设的参数值。
在其中一个实施例中，该属性包括通过数据转移获得的该被保人标识对应的被保人的担保额度，处理器执行计算机可读指令时还实现以下步骤：
计算该担保额度与预设的最小额度的差值；将该差值除以预设的最大额度的商作为该担保额度的参数值。
在其中一个实施例中，处理器执行计算机可读指令时还实现以下步骤：
将是否需要提供与被保人标识对应的被保人的健康告知及是否需要提供 与被保人标识对应的被保人的体检报告的判断结果保存并显示。
一个或多个存储有计算机可读指令的非易失性存储介质，计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行以下步骤：获取与被保人标识相关联的预设属性的参数值；根据该参数值计算与被保人标识对应的被保人的核保评估值；及根据该核保评估值所在的阈值范围判断是否需要提供与被保人标识对应的被保人的健康告知及是否需要提供与被保人标识对应的被保人的体检报告。
在其中一个实施例中，根据该参数值计算与被保人标识对应的被保人的核保评估值，为：将所有参数值的乘积结果作为该核保评估值；
在其中一个实施例中，计算机可读指令被处理器执行时还实现以下步骤：当该核保评估值在预设的第一阈值范围内时，判断不需要提供与被保人标识对应的被保人的健康告知及体检报告，当该核保评估值在预设的第二阈值范围内时，判断仅需要提供与被保人标识对应的被保人的健康告知，当该核保评估值在预设的第三阈值范围内时，判断仅需要提供与被保人标识对应的被保人的体检报告，当该核保评估值在预设的第四阈值范围内时，判断需要提供与被保人标识对应的被保人的健康告知及体检报告。
在其中一个实施例中，属性的参数值为与该属性对应预设的参数值。
在其中一个实施例中，该属性包括通过数据转移获得的该被保人标识对应的被保人的担保额度，计算机可读指令被处理器执行时还实现以下步骤：计算该担保额度与预设的最小额度的差值；将该差值除以预设的最大额度的商作为该担保额度的参数值。
在其中一个实施例中，计算机可读指令被处理器执行时还实现以下步骤：
将是否需要提供与被保人标识对应的被保人的健康告知及是否需要提供与被保人标识对应的被保人的体检报告的判断结果保存并显示。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，是可以通过计算机可读指令来指令相关的硬件来完成，所述的计算机可读指令可存储于一非易失性计算机可读取存储介质中，该计算机可读指令在 执行时，可包括如上述各方法的实施例的流程。其中，本申请所提供的各实施例中所使用的对存储器、存储、数据库或其它介质的任何引用，均可包括非易失性和/或易失性存储器。非易失性存储器可包括只读存储器(ROM)、可编程ROM(PROM)、电可编程ROM(EPROM)、电可擦除可编程ROM(EEPROM)或闪存。易失性存储器可包括随机存取存储器(RAM)或者外部高速缓冲存储器。作为说明而非局限，RAM以多种形式可得，诸如静态RAM(SRAM)、动态RAM(DRAM)、同步DRAM(SDRAM)、双数据率SDRAM(DDRSDRAM)、增强型SDRAM(ESDRAM)、同步链路(Synchlink)DRAM(SLDRAM)、存储器总线(Rambus)直接RAM(RDRAM)、直接存储器总线动态RAM(DRDRAM)、以及存储器总线动态RAM(RDRAM)等。
以上实施例的各技术特征可以进行任意的组合，为使描述简洁，未对上述实施例中的各个技术特征所有可能的组合都进行描述，然而，只要这些技术特征的组合不存在矛盾，都应当认为是本说明书记载的范围。
以上所述实施例仅表达了本申请的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对发明专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本申请构思的前提下，还可以做出若干变形和改进，这些都属于本申请的保护范围。因此，本申请专利的保护范围应以所附权利要求为准。

Claims (20)

  1. 一种提供健康报告的判断方法，包括：
    获取与被保人标识相关联的预设属性的参数值；
    根据所述参数值计算与被保人标识对应的被保人的核保评估值；
    根据所述核保评估值所在的阈值范围判断是否需要提供与被保人标识对应的被保人的健康告知及是否需要提供与被保人标识对应的被保人的体检报告；及
    将判断的结果与对应的被保人标识同时显示。
  2. 根据权利要求1所述的方法，其特征在于，所述属性的参数值为与所述属性对应预设的参数值。
  3. 根据权利要求1所述的方法，其特征在于，所述属性包括通过数据转移获得的所述被保人标识对应的被保人的担保额度；所述获取与被保人标识相关联的预设属性的参数值，包括：
    计算所述担保额度与预设的最小额度的差值；及
    将所述差值除以预设的最大额度的商作为所述担保额度的参数值。
  4. 根据权利要求1所述的方法，其特征在于，所述根据所述参数值计算与被保人标识对应的被保人的核保评估值为：
    将所有参数值的乘积结果作为所述核保评估值。
  5. 根据权利要求1所述的方法，其特征在于，所述根据所述核保评估值所在的阈值范围判断是否需要提供与被保人标识对应的被保人的健康告知及是否需要提供与被保人标识对应的被保人的体检报告为：
    当所述核保评估值在预设的第一阈值范围内时，判断不需要提供与被保人标识对应的被保人的健康告知及体检报告，当所述核保评估值在预设的第二阈值范围内时，判断仅需要提供与被保人标识对应的被保人的健康告知，当所述核保评估值在预设的第三阈值范围内时，判断仅需要提供与被保人标识对应的被保人的体检报告，及当所述核保评估值在预设的第四阈值范围内时，判断需要提供与被保人标识对应的被保人的健康告知及体检报告。
  6. 一种提供健康报告的判断装置，包括：
    参数值获取模块，用于获取与被保人标识相关联的预设属性的参数值；
    计算模块，用于根据所述参数值计算与被保人标识对应的被保人的核保评估值；
    判断模块，用于根据所述核保评估值所在的阈值范围判断是否需要提供与被保人标识对应的被保人的健康告知及是否需要提供与被保人标识对应的被保人的体检报告；及
    显示模块，用于将判断的结果与对应的被保人标识同时显示。
  7. 根据权利要求6所述的装置，其特征在于，所述计算模块还用于将所有参数值的乘积结果作为所述核保评估值。
  8. 根据权利要求6所述的装置，其特征在于，所述判断模块还用于当所述核保评估值在预设的第一阈值范围内时，判断不需要提供与被保人标识对应的被保人的健康告知及体检报告，当所述核保评估值在预设的第二阈值范围内时，判断仅需要提供与被保人标识对应的被保人的健康告知，当所述核保评估值在预设的第三阈值范围内时，判断仅需要提供与被保人标识对应的被保人的体检报告，及当所述核保评估值在预设的第四阈值范围内时，判断需要提供与被保人标识对应的被保人的健康告知及体检报告。
  9. 根据权利要求6所述的装置，其特征在于，所述属性包括通过数据转移获得的所述被保人标识对应的被保人的担保额度；所述参数值获取模块包括：
    第一计算单元，用于计算所述担保额度与预设的最小额度的差值；及
    第二计算单元，用于将所述差值除以预设的最大额度的商作为所述担保额度的参数值。
  10. 根据权利要求6所述的装置，其特征在于，所述计算模块还用于将所有参数值的乘积结果作为所述核保评估值。
  11. 一种计算机设备，包括存储器及一个或多个处理器，所述存储器中储存有计算机可读指令，所述计算机可读指令被所述一个或多个处理器执行 时，使得所述一个或多个处理器执行以下步骤：
    获取与被保人标识相关联的预设属性的参数值；
    根据所述参数值计算与被保人标识对应的被保人的核保评估值；
    根据所述核保评估值所在的阈值范围判断是否需要提供与被保人标识对应的被保人的健康告知及是否需要提供与被保人标识对应的被保人的体检报告；及
    将判断的结果与对应的被保人标识同时显示。
  12. 根据权利要求11所述的计算机设备，其特征在于，所述属性的参数值为与所述属性对应预设的参数值。
  13. 根据权利要求11所述的计算机设备，其特征在于，所述属性包括通过数据转移获得的所述被保人标识对应的被保人的担保额度；所述获取与被保人标识相关联的预设属性的参数值，包括：
    计算所述担保额度与预设的最小额度的差值；及
    将所述差值除以预设的最大额度的商作为所述担保额度的参数值。
  14. 根据权利要求11所述的计算机设备，其特征在于，所述根据所述参数值计算与被保人标识对应的被保人的核保评估值为：
    将所有参数值的乘积结果作为所述核保评估值。
  15. 根据权利要求11所述的计算机设备，其特征在于，所述根据所述核保评估值所在的阈值范围判断是否需要提供与被保人标识对应的被保人的健康告知及是否需要提供与被保人标识对应的被保人的体检报告为：
    当所述核保评估值在预设的第一阈值范围内时，判断不需要提供与被保人标识对应的被保人的健康告知及体检报告，当所述核保评估值在预设的第二阈值范围内时，判断仅需要提供与被保人标识对应的被保人的健康告知，当所述核保评估值在预设的第三阈值范围内时，判断仅需要提供与被保人标识对应的被保人的体检报告，及当所述核保评估值在预设的第四阈值范围内时，判断需要提供与被保人标识对应的被保人的健康告知及体检报告。
  16. 一个或多个存储有计算机可读指令的非易失性计算机可读存储介质，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：
    获取与被保人标识相关联的预设属性的参数值；
    根据所述参数值计算与被保人标识对应的被保人的核保评估值；
    根据所述核保评估值所在的阈值范围判断是否需要提供与被保人标识对应的被保人的健康告知及是否需要提供与被保人标识对应的被保人的体检报告；及
    将判断的结果与对应的被保人标识同时显示。
  17. 根据权利要求16所述的存储介质，其特征在于，所述属性的参数值为与所述属性对应预设的参数值。
  18. 根据权利要求16所述的存储介质，其特征在于，所述属性包括通过数据转移获得的所述被保人标识对应的被保人的担保额度；所述获取与被保人标识相关联的预设属性的参数值，包括：
    计算所述担保额度与预设的最小额度的差值；及
    将所述差值除以预设的最大额度的商作为所述担保额度的参数值。
  19. 根据权利要求16所述的存储介质，其特征在于，所述根据所述参数值计算与被保人标识对应的被保人的核保评估值为：
    将所有参数值的乘积结果作为所述核保评估值。
  20. 根据权利要求16所述的存储介质，其特征在于，所述根据所述核保评估值所在的阈值范围判断是否需要提供与被保人标识对应的被保人的健康告知及是否需要提供与被保人标识对应的被保人的体检报告为：
    当所述核保评估值在预设的第一阈值范围内时，判断不需要提供与被保人标识对应的被保人的健康告知及体检报告，当所述核保评估值在预设的第二阈值范围内时，判断仅需要提供与被保人标识对应的被保人的健康告知，当所述核保评估值在预设的第三阈值范围内时，判断仅需要提供与被保人标识对应的被保人的体检报告，及当所述核保评估值在预设的第四阈值范围内 时，判断需要提供与被保人标识对应的被保人的健康告知及体检报告。
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