WO2019100613A1 - 电子保单加签方法、装置、计算机设备及存储介质 - Google Patents

电子保单加签方法、装置、计算机设备及存储介质 Download PDF

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Publication number
WO2019100613A1
WO2019100613A1 PCT/CN2018/076864 CN2018076864W WO2019100613A1 WO 2019100613 A1 WO2019100613 A1 WO 2019100613A1 CN 2018076864 W CN2018076864 W CN 2018076864W WO 2019100613 A1 WO2019100613 A1 WO 2019100613A1
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signature
character
policy
electronic
information
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English (en)
French (fr)
Inventor
周凡
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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
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management

Definitions

  • the present application relates to the field of computer technology, and in particular, to an electronic policy signing method, device, computer device, and storage medium.
  • the insurance company has a large business volume. If all the insurance products are delivered to the customer by means of a paper policy, the cost of the policy is too high, and a large amount of paper documents will be wasted. Therefore, insurance companies provide insurance products with shorter insurance periods by electronic stamps and electronic seals. At this stage, due to the different stamp positions of different policy types, the number of policies is huge, and the policies are updated irregularly. As a result, the electronic signatures are often mixed and the signatures are incorrectly stamped, resulting in electronic signatures. The signing work has a high rework rate and low efficiency.
  • an electronic policy billing method, apparatus, computer device, and storage medium are provided.
  • An electronic policy signing method includes the following steps:
  • Obtaining a signature information table and searching, from the signature information table, a first signature identifier, a signature location information, a location check character, and a character extraction domain location information corresponding to the policy sample identifier;
  • An electronic policy billing device comprising:
  • the request receiving module is configured to receive a policy add-on request sent by the terminal and an electronic policy to be processed, where the policy add-on request carries the policy sample identifier;
  • An information search module configured to obtain a signature information table, and search for, from the signature information table, a first signature identifier, a signature location information, a location check character, and a character extraction domain location corresponding to the policy sample identifier. information;
  • a character extraction module configured to extract a first character from a corresponding position in the to-be-processed electronic policy according to the character extraction domain location information
  • a character comparison module configured to compare the first character with the position check character
  • a signing module configured to acquire an electronic signature corresponding to the first signature identifier when the first character is consistent with the location check character, and to use the electronic signature according to the signature location information The signature is stamped at the signature position of the pending electronic policy.
  • a server comprising a memory and a processor, the memory storing computer readable instructions, the computer readable instructions being executed by the processor such that the processor performs the following steps:
  • Obtaining a signature information table and searching, from the signature information table, a first signature identifier, a signature location information, a location check character, and a character extraction domain location information corresponding to the policy sample identifier;
  • One or more computer non-transitory readable storage mediums storing computer readable instructions, when executed by one or more processors, cause one or more processors to perform the steps of:
  • Obtaining a signature information table and searching, from the signature information table, a first signature identifier, a signature location information, a location check character, and a character extraction domain location information corresponding to the policy sample identifier;
  • FIG. 1 is an application environment diagram of an electronic policy billing method in an embodiment
  • FIG. 2 is a flow chart of a method for an electronic policy signing method in an embodiment
  • FIG. 3 is a flow chart of a method for an electronic policy billing method in another embodiment
  • FIG. 4 is a flowchart of a method for adding a signature information in an electronic policy billing method in an embodiment
  • FIG. 5 is a schematic structural diagram of an electronic policy billing device in an embodiment
  • FIG. 6 is a schematic diagram showing the internal structure of a computer device in an embodiment.
  • the electronic policy billing method provided in the embodiment of the present application can be applied to an application environment as shown in FIG. 1.
  • the server 102 and the terminal 104 are connected through a network.
  • the number of terminals 104 may be multiple.
  • the server 102 receives the policy plus signing request and the pending electronic policy sent by the terminal 104, and the server 102 searches for the corresponding first signature, signature location information, and location check according to the policy sample identifier carried in the received policy issuance request.
  • the character and the character extract the domain location information, and extract the first character from the to-be-processed electronic policy according to the character extraction domain location, and then process the electronic policy for the signature process when the extracted first character is consistent with the location check character.
  • the server 102 returns the electronic policy that has undergone the signing process to the terminal 104.
  • an electronic policy billing method is provided.
  • the method is applied to a server as an example, and specifically includes the following steps:
  • Step 210 Receive a policy ticketing request sent by the terminal and an electronic policy to be processed, and the policy ticketing request carries the policy sample identifier.
  • the terminal may be a terminal device of a printing system of an insurance company, a subsidiary company of an insurance company, a branch office, or a sales point.
  • the electronic policy generated by the printing system also needs to be stamped with an electronic signature to take effect.
  • the printing system terminal can collectively send the electronic policy to be signed and processed in a period of time to the server, and the server performs unified processing for the signing. For example, the terminal can periodically send a policy add-on request and a pending electronic policy to the server.
  • the terminal may also preset a policy quantity threshold. When the generated electronic policy quantity reaches the preset policy quantity threshold, the terminal sends a policy add-on request to the server.
  • the terminal may also send the electronic policy with higher priority to the server for the additional processing according to the processing priority of the electronic policy.
  • the terminal sends a pending electronic policy and a policy-adding request to the server, and the policy-adding request carries the policy sample identifier, and the policy-adding request may also carry the policy code of the pending electronic policy, wherein the policy sample identifier and the sent pending policy
  • the policy codes of the electronic policy correspond one-to-one.
  • the terminal when the terminal generates the electronic policy, the terminal searches for the insurance product identifier to which the electronic policy belongs, and then searches for the policy sample identifier corresponding to the electronic policy according to the insurance product identifier, and sends a policy sample request to the server when the policy is added to the server.
  • the identification is sent in association with the policy code of the electronic policy.
  • the policy sample identification is used to uniquely determine the policy sample of the electronic policy.
  • An insurance product or the same insurance product may correspond to a policy sample. It should be noted that when the same insurance product is sold by different agencies and branches, Due to the different signature information of each institution, the insurance policy samples of the same kind of insurance products of different institutions may also be different.
  • One insurance product or the same insurance product may correspond to one policy sample, which may correspond to multiple policy samples, but
  • the policy sample identification contains insurance product information and sales channel information, and the policy sample identification can uniquely determine the policy sample of the electronic policy.
  • the policy sample is a standard template for the electronic policy to be signed. The signature of the electronic policy and the exact signature position need to be consistent with the corresponding policy sample.
  • the server After receiving the pending electronic policy and policy add-on request sent by the terminal, the server obtains the policy sample identifier corresponding to each pending electronic policy from the policy-adding request, and treats the electronic policy one by one to perform the additional processing.
  • Step 220 Obtain a signature information table, and search for the first signature identifier, the signature location information, the location check character, and the character extraction domain location information corresponding to the policy sample identifier from the signature information table.
  • the server obtains a pre-stored signature information table.
  • the signature information table stores the signature information of each insurance product or electronic insurance policy of each insurance product currently sold by each institution.
  • the signature information may include a first signature identifier, a signature location information, a location verification character, and a character extraction domain location information, and the signature information has a one-to-one correspondence with the policy sample identifier.
  • the first signature is used to uniquely identify the electronic signature, and different insurance products of different sales organizations or different types of insurance products may use different electronic signatures.
  • the server can find the electronic signature corresponding to the electronic policy to be processed according to the first signature.
  • the "first” in the “first signature identification” here is to distinguish it from the "second” in the “second signature identification” below, and the second signature in the following is
  • the signature information carried in the signature information addition request not the signature of the insurance product already stored in the signature information table, but the "first signature identification” and the "second signature identification” are essentially It is intended to be used to uniquely identify an electronic signature.
  • the signature location information is the location information of the electronic signature that needs to be affixed to the specific location on the electronic policy, and may include the page number information of the electronic policy to be stamped, and the specific location coordinates of the electronic signature on the page where the electronic signature is stamped.
  • the specific position coordinate may be the coordinate of the center position of the electronic signature, or the coordinate set of the edge boundary of the electronic coordinate, or the coordinate set where the entire electronic signature is located, and the like.
  • the location check character is a character to be checked for the position of the electronic policy to be processed
  • the character extraction domain location information may be the coordinate of the location check character
  • the server may extract the domain location information from the to-be-processed electronic policy.
  • the position check character is output.
  • the location check character and the corresponding character extraction domain location information are stored in the server in advance, and the server extracts the character from the to-be-processed electronic policy according to the character extraction domain location information, and determines the extraction. Whether the character is consistent with the position check character, and whether the electronic policy has been updated, or whether the searched policy sample is consistent with the electronic policy.
  • the location check character may be a signature character stamped with an electronic signature, such as one or more characters in the body of the electronic policy that are covered by the electronic signature or that coincide with the electronic signature.
  • the coordinate data corresponding to the falling character is the character extraction domain position information.
  • the location check character may also be a character having a certain correspondence with the electronic signature position, and is not limited to the payment character described in this embodiment.
  • Step 230 Extract the first character from the corresponding position in the electronic policy to be processed according to the character extraction domain location information.
  • the server finds the signature information corresponding to the policy sample identifier from the signature information table, the first character is extracted from the position corresponding to the character extraction domain location information in the electronic policy to be processed.
  • the “first” here is for distinguishing from the position check character, and does not particularly mean meaning.
  • Step 240 comparing the first character with the position check character.
  • the server compares the location check characters corresponding to the policy sample identifier extracted according to the character extraction domain location information, and determines whether the first character and the location check character are the same.
  • Step 250 When the first character is consistent with the location check character, obtain an electronic signature corresponding to the first signature identifier, and stamp the electronic signature on the signature position of the electronic policy to be processed according to the signature location information. .
  • the server determines that the first character is consistent with the location check character
  • the server searches for the corresponding electronic signature according to the first signature identifier, and the server invokes the found electronic signature to stamp the electronic signature on the electronic to be processed.
  • the electronic policy that has been signed can be returned to the corresponding terminal in batches. The policy with higher priority will be processed and returned to the terminal according to the processing priority of the electronic policy.
  • a character verification failure prompt is generated, and the character verification failure prompt is returned to the corresponding terminal.
  • the policy code of the electronic policy for the specific verification failure may be indicated, and the prompt content may be, for example, "the signature of the T25903454 policy fails to be verified, please confirm whether the electronic policy has been updated" or the like.
  • the terminal checks and compares the policy sample corresponding to the policy sample identification with the electronic policy to determine whether the policy sample needs to be updated.
  • the server stores the information such as the signature identification, the signature position information, the position check character, and the character extraction domain location information of each policy sample in the signature information table in advance, and receives the policy sent by the terminal.
  • the character extraction domain location information corresponding to the policy sample identifier in the signature information table is searched, and the first character is extracted from the to-be-processed electronic policy according to the character extraction domain location information, and the first character and the pre-existing signature are obtained.
  • the position check characters in the information table are compared, and the check operation is performed when the two characters match. Therefore, the automatic verification of the position check character ensures the accuracy of the signing position, can avoid erroneous operations, and can improve the work efficiency of the signing work.
  • the foregoing electronic policy signing method may further include:
  • Step 245 When the first character is inconsistent with the location check character, send a policy sample acquisition instruction carrying the policy sample identifier to the policy platform server.
  • the server When the server determines that the first character is inconsistent with the location check character, the server sends a policy sample acquisition instruction to the policy platform server, and the policy sample acquisition instruction carries the policy sample identifier of the to-be-processed electronic policy that fails the character verification.
  • the Policy Platform Server manages the policy samples of all electronic policies, including the management of multiple updated versions of a single policy sample. Multiple updated versions of a policy sample can have different version numbers.
  • the policy platform server finds the latest version of the policy sample corresponding to the policy sample identifier and returns the latest version of the policy sample to the server.
  • Step 255 Receive a policy sample corresponding to the policy sample identifier returned by the policy platform server.
  • the server receives the policy sample corresponding to the policy sample identifier returned by the policy platform server.
  • the signature information table may also store version information of the policy sample, such as a version number, etc.
  • the server obtains the version number of the returned policy sample, and compares the obtained version number with the version number in the signature information table. To determine whether the two version numbers are consistent. When the two version numbers are inconsistent, it indicates that the policy sample has been updated and the information in the signature information table has not been updated in time. When the server determines that the two version numbers are the same, it indicates that there are other abnormal problems in the process, and generates a process abnormality result prompt and returns to the terminal that sends the policy tagging request.
  • Step 265 Acquire an electronic signature corresponding to the first signature identifier, identify the seal image in the policy sample according to the electronic signature, and obtain the position coordinates of the seal image.
  • the server obtains an electronic signature corresponding to the first signature identifier, performs image recognition on the policy sample according to the signature image of the electronic signature, and identifies and signatures the image from the policy sample.
  • the uniform seal image, the seal image is the image of the electronic signature stamped on the policy sample, and the server obtains the position coordinates of the recognized seal image.
  • the server can only obtain the coordinates of the pixel points at the edge of the seal image, the server can also obtain the coordinates of all the pixels in the seal image, and the server can also obtain the coordinates of the feature pixel points in the seal image.
  • the electronic signature stamped in different versions of the policy sample remains unchanged, but if the policy signature is updated when the policy sample is updated, the policy platform server is in the process. When the server returns the policy sample, it also sends the updated signature to the server. When the server receives the signature without storage, the server also updates the pre-stored electronic signature.
  • the specific image recognition process may adopt an identification algorithm based on the shape feature of the seal image, or an identification algorithm based on the color feature of the seal image, and an identification algorithm based on the texture feature of the seal image.
  • the method for image recognition in this embodiment is not To be limited, the server can also identify the seal image using other image recognition algorithms.
  • Step 275 affix an electronic signature to the corresponding position of the positional coordinate in the electronic policy to be processed.
  • the acquired electronic signature corresponding to the first signature is stamped at the position corresponding to the position coordinate in the electronic policy to be processed.
  • the updated policy sample may be obtained from the policy platform server, and the location coordinates of the seal image in the updated policy sample are automatically identified, according to the identified location.
  • the coordinates of the electronic policy to be processed are added, so that the electronic policy for failing the character verification can be automatically processed, which saves manual operations and improves efficiency.
  • the method further includes: calculating the position check character position coordinate according to the position coordinate of the seal image; The second character is extracted from the corresponding position of the position verification character position coordinate of the sample; the corresponding signature position information in the signature information table is updated according to the position coordinate of the seal image, and the signature information table is determined according to the position verification character position coordinate The corresponding character extraction domain location information is updated, and the location check character corresponding to the signature information table is updated according to the second character.
  • the position coordinates of the seal image have a certain relationship with the position coordinates of the position check character, for example, the position coordinate of the position position of the position check character coincides with the position coordinate of the center position of the seal image, or two center positions.
  • the position coordinate has a fixed distance length, or the position coordinate of a pixel on the stamp image coincides with the position coordinate of the position check character, or has a fixed distance length, etc., and the embodiment does not have a position coordinate between the two positions.
  • the existing positional relationship is limited.
  • the server can calculate the position check character position coordinates according to the position coordinates of the seal image and the positional relationship between the seal image and the position check character.
  • the server extracts the second character from the corresponding position of the policy sample according to the calculated position check character position coordinate, and the extracted second character is the position check character after the policy sample is updated.
  • the server updates the signature position information in the signature information table corresponding to the policy sample identifier of the electronic policy for failing the character verification, and updates the corresponding signature position information in the signature information table to the position coordinates of the recognized seal image.
  • the corresponding character extraction domain position information is updated to the calculated position check character position coordinates, the corresponding position check character is updated to the extracted second character, and the updated signature information table is saved.
  • the server automatically acquires and recognizes the position coordinates of the seal image of the updated policy sample, and also according to the position coordinates of the seal image and the position of the position check character.
  • the positional relationship of the coordinates automatically extracts the updated position check character, and updates the corresponding signature information in the signature information table according to the above identification and extraction results, so that the signature information of the policy sample can be updated in time to ensure subsequent signing The fluency of work.
  • the above electronic policy signing method further includes the following steps of adding signature information:
  • Step 280 Receive a signature information addition request sent by the policy platform server, and the signature information addition request carries the new policy sample and the second signature identifier.
  • the policy platform server When the policy platform server adds a new policy sample, the policy platform server saves the new policy sample and records the policy sample information, and the policy platform server sends a signature information addition request to the server, and the signature information addition request carries There is a new policy sample and a second signature identifier corresponding to the electronic signature in the new policy sample.
  • the server receives the signature information addition request sent by the policy platform server.
  • Step 282 Find an electronic signature corresponding to the second signature identifier.
  • the server reads the second signature identifier from the received signature information addition request, and the server locally searches for the electronic signature corresponding to the second signature identifier.
  • the server when the server does not find the electronic signature corresponding to the second signature identifier, the electronic signature in the new policy sample is added an electronic signature, and the server adds the requested service according to the signature information.
  • the information acquires a new electronic signature corresponding to the second signature identifier to the corresponding service terminal, so as to update the locally stored electronic signature.
  • Step 284 Identify the seal image in the new policy sample and obtain the seal position information of the seal image according to the electronic signature corresponding to the second signature.
  • the server identifies the seal image from the received new policy sample according to the found signature image of the electronic signature corresponding to the second signature, and obtains the seal location information of the seal image.
  • the signature position information of the seal image may be the coordinates of the pixel points at the edge of the seal image, or the coordinates of all the pixel points in the seal image, and may also be the coordinates of the feature pixel points in the seal image, which is not particularly limited herein. .
  • For the method for identifying the specific seal image refer to the embodiment described in the foregoing embodiment, and details are not described herein again.
  • Step 286 Acquire the character extraction domain location information according to the signature location information of the seal image, and extract the new location verification character from the corresponding location of the character extraction domain location information of the newly added policy sample.
  • the coordinate position of the seal image has a specific positional relationship with the coordinate position of the position check character.
  • the seal image and the position check character in all the policy samples may adopt the same positional relationship, the server acquires the pre-stored positional relationship, and calculates the position verification according to the position coordinates in the signature position information of the seal image.
  • the position coordinates of the character may adopt different positional relationships, the signature information addition request carries the position relationship data, and the server reads the position relationship data from the signature information addition request. And the position coordinates of the position check character are calculated according to the position coordinates of the seal image.
  • the character is extracted from the corresponding position of the newly added policy sample according to the position coordinate as the position check character of the new policy sample.
  • Step 288 Add the sample identifier, the second signature identifier, the signature location information, the character extraction domain location information, and the newly added location verification character of the newly added policy sample to the signature information table.
  • the server will receive the sample identification of the newly added policy sample, the second signature of the signature, and the identified signature location information, and the calculated character extraction domain location information and the extracted new location verification character are added to the signature.
  • the chapter information table updates the signature information table.
  • the server when the policy sample managed in the policy platform server is updated, the newly added policy sample and signature information are pushed to the server, and the server automatically identifies the location information of the seal image from the newly added policy sample, according to the seal.
  • the position information of the image and the preset positional relationship obtain the position information of the position check character, and extract the newly added position check character, and update the signature information of the newly added policy sample to the signature information table, so that the signature information is obtained.
  • the table can store the latest policy sample information in a timely manner.
  • the step of acquiring the character extraction domain location information according to the signature location information of the seal image, and extracting the new location verification character from the corresponding location of the character extraction domain location information of the new policy sample includes: obtaining the seal The center position coordinate of the image; the character extraction domain size corresponding to the second signature is searched; after the center position coordinate is used as the center position coordinate of the character extraction domain, the character extraction domain position information is calculated according to the center position coordinate and the character extraction domain size; The newly added position check character is extracted from the corresponding position of the character extraction domain location information of the newly added policy sample.
  • the server when calculating the position information of the character extraction field, the server reads the center position coordinates of the seal image from the signature position information of the seal image.
  • the size of the character extraction field of the corresponding position check character of the same electronic signature is fixed, and the correspondence between the signature of the electronic signature and the character extraction domain is pre-stored in the server.
  • the server searches for the corresponding character extraction domain size according to the second signature identifier.
  • the character extraction domain size is the long and high pixel size of the position check character extraction field.
  • the character extraction domain size may be 10 ⁇ 5 pixels, 8 ⁇ 4 pixels, and the like.
  • the server reads the center position coordinate of the seal image as the center position coordinate of the character extraction domain, and calculates the coordinate range of the entire character extraction field in the electronic policy according to the character extraction domain size.
  • the server determines the character extraction field in the newly added electronic policy according to the calculated coordinate range, and recognizes the characters in the character extraction domain.
  • the character recognition algorithm may employ a template matching algorithm, a neural network training algorithm, or the like. The server will recognize the recognized character as the position check character of the newly added sample.
  • the step of adding the signature information in the electronic policy signing method includes: receiving a signature information addition request sent by the policy platform server, and the signature information adding request carries the new policy sample and the second signature identifier. Finding the electronic signature image and the position verification character image corresponding to the second signature identifier; identifying the seal image and the position verification character in the new policy sample according to the electronic signature image and the position verification character image, and obtaining the seal.
  • the signature position information of the image and the character extraction domain location information of the position check character; the sample identifier of the new policy sample, the second signature of the seal, the signature position information of the seal image, and the character extraction domain position of the position check character are added.
  • the information association is added to the signature information table.
  • the difference between the signature and the step of adding the signature information in the above embodiment is that the positional relationship between the seal image and the position check character is fixed, but the character content of the position check character is based on each new policy. The specific content is extracted. However, in this embodiment, the character content of the position check character is fixed, and the position check character is unique in the policy sample, and the position check character does not have a fixed positional relationship with the seal image.
  • the identification area of the position check character is preset, and the server identifies the position check character in the identification area.
  • the electronic signature, the electronic signature image, and the position check character image are stored in advance in the server.
  • the server finds the corresponding electronic signature image and the position verification character image according to the received second signature identifier, and recognizes the seal image and the location from the newly added electronic policy according to the found electronic signature image and the position verification character image. Check the character to obtain the position information of the recognized seal image and position check character.
  • the specific steps of identifying the seal image and the position check character include converting the new electronic policy from a pdf format to a picture format, such as a jpg image format.
  • the server acquires the RGB pixel values of the four corner maps of the position check character image and all the pixel values, and acquires the RGB pixel values of the four corner maps of the electronic signature image and all the pixel values.
  • the server obtains the length and width size data of the newly added electronic policy in the picture format, and acquires the length and width size data of the electronic signature image and the position verification character image.
  • the server traverses the newly added electronic policy picture according to the preset data size according to the size data of the electronic signature image, for example, gradually shifts from the origin (0, 0) to the right by 1 pixel step, and moves to the edge of the image, and then Move down one pixel step, move down and then move to the left.
  • the server obtains the RGB pixel values of the four corner maps of the newly added electronic policy image, and compares them with the RGB pixel values of the four corner maps of the electronic signature image. If they are the same, further comparison is performed to map the range. All the points in the inside are compared with all the pixel values of the electronic signature image, and if all are identical, the coordinate data of the mapping range is acquired as the signature position information of the stamp image. If the comparison results are inconsistent, continue traversing until the mapped image with the exact same pixel value is found. After the server recognizes the electronic signature image, the position check character image is identified by the same algorithm as described above. Among them, the comparison between pixels can be compared by the RGB value of each pixel obtained by the BufferedImage object.
  • FIG. 2 is a schematic flow chart of a method according to an embodiment of the present application. It should be understood that although the various steps in the flowchart of FIG. 2 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 may be performed in other sequences. Moreover, at least some of the steps in FIG. 2 may include a plurality of sub-steps or stages, which are not necessarily performed at the same time, but may be executed at different times, and the order of execution thereof is not necessarily This may be performed in sequence, but may be performed alternately or alternately with other steps or at least a portion of the sub-steps or stages of the other steps.
  • FIG. 5 is a schematic diagram of an electronic policy billing device according to an embodiment.
  • the device includes:
  • the request receiving module 510 is configured to receive the policy plus signing request and the pending electronic policy sent by the terminal, and the policy ticketing request carries the policy sample identifier.
  • the information search module 520 is configured to obtain the signature information table, and search for the first signature identifier, the signature location information, the location check character, and the character extraction domain location information corresponding to the policy sample identifier from the signature information table.
  • the character extraction module 530 is configured to extract the first character from the corresponding position in the electronic policy to be processed according to the character extraction domain location information.
  • the character comparison module 540 is configured to compare the first character with the position check character.
  • the tagging module 550 is configured to acquire an electronic signature corresponding to the first signature identifier when the first character is consistent with the location verification character, and stamp the electronic signature on the electronic security policy to be processed according to the signature location information The location of the signature.
  • the device may further include:
  • the instruction sending module is configured to send, to the policy platform server, a policy sample obtaining instruction that carries the policy sample identifier when the first character is inconsistent with the location check character.
  • the sample receiving module is configured to receive a policy sample corresponding to the policy sample identifier returned by the policy platform server.
  • the seal identification module is configured to obtain an electronic signature corresponding to the first signature identifier, identify the seal image in the policy sample according to the electronic signature, and obtain a position coordinate of the seal image.
  • the signing module is configured to stamp an electronic signature at a corresponding position of the electronic policy to be processed and the position coordinates.
  • the device may further include:
  • the coordinate calculation module is configured to calculate the position check character position coordinates according to the position coordinates of the seal image.
  • the second character extraction module is configured to extract the second character from the position corresponding to the position check character position coordinate of the policy sample.
  • the information updating module is configured to update the corresponding signature position information in the signature information table according to the position coordinate of the seal image, and update the corresponding character extraction domain position information in the signature information table according to the position verification character position coordinate, The position check character corresponding to the signature information table is updated according to the second character.
  • the device may further include:
  • the request receiving module is configured to receive a signature information addition request sent by the policy platform server, and the signature information addition request carries the new policy sample and the second signature identifier.
  • the signature search module is configured to find an electronic signature corresponding to the second signature.
  • the signature location obtaining module is configured to identify the seal image in the newly added policy sample and obtain the signature position information of the seal image according to the electronic signature corresponding to the second signature identifier.
  • a character extraction module is newly added, which is configured to obtain the location information of the character extraction domain according to the signature position information of the seal image, and extract the new location verification character from the corresponding position of the character extraction domain location information of the newly added policy sample.
  • a new information adding module is used to add the sample identifier, the second signature identifier, the signature location information, the character extraction domain location information, and the newly added location verification character of the newly added policy sample to the signature information table.
  • the newly added character extraction module may specifically include:
  • the central coordinate acquisition module is configured to acquire coordinates of a center position of the seal image.
  • the domain size search module is configured to search for a character extraction domain size corresponding to the second signature identifier.
  • the extraction domain location calculation module is configured to calculate the character extraction domain location information according to the central location coordinate and the character extraction domain size, after the central location coordinate is used as the central location coordinate of the character extraction domain.
  • an extracting module configured to extract a new location check character from a position corresponding to the character extraction domain location information of the newly added policy sample.
  • the device may further include:
  • the request receiving module is configured to receive a signature information addition request sent by the policy platform server, and the signature information addition request carries the new policy sample and the second signature identifier.
  • the image search module is configured to search for an electronic signature image and a position check character image corresponding to the second signature.
  • the image recognition module is configured to identify the seal image and the position check character in the newly added policy sample according to the electronic signature image and the position check character image, and obtain the seal position information of the seal image and the character extraction of the position check character Domain location information.
  • a new information adding module is configured to add the sample identifier of the new policy sample, the second signature identifier, the signature location information of the seal image, and the character extraction domain location information of the location check character to the signature information table.
  • Each of the above electronic policy billing devices may be implemented in whole or in part by software, hardware, and combinations thereof.
  • Each of the above modules may be embedded in or independent of the processor in the computer device, or may be stored in a memory in the computer device in a software form, so that the processor invokes the operations corresponding to the above modules.
  • the processor can be a central processing unit (CPU), a microprocessor, a microcontroller, or the like.
  • the above electronic policy billing device can be implemented in the form of a computer readable instruction.
  • a computer device which may be a server or a terminal.
  • the computer device includes a processor, memory, and network interface coupled by a system bus.
  • the processor of the computer device is used to provide computing and control capabilities.
  • the memory of the computer device includes a non-volatile storage medium, an internal memory.
  • the non-volatile storage medium stores an operating system and a computer program.
  • the internal memory provides an environment for operation of an operating system and computer programs in a non-volatile storage medium.
  • the network interface of the computer device is used to communicate with an external terminal via a network connection.
  • the computer program is executed by the processor to implement an electronic policy signing method.
  • FIG. 6 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.
  • the processor when the processor executes the computer readable instructions, the following steps may be performed: receiving the policy plus signing request sent by the terminal and the pending electronic policy, and the policy ticketing request carrying the policy sample identifier; taking the signature information table, The first signature identifier, the signature location information, the location check character, and the character extraction domain location information corresponding to the policy sample identifier are searched in the signature information table; and the corresponding location in the electronic policy to be processed is extracted according to the character extraction domain location information.
  • the first character the first character is compared with the position check character; when the first character is consistent with the position check character, the electronic signature corresponding to the first signature is acquired, and the electronic is determined according to the signature position information
  • the signature is stamped at the signature of the pending electronic policy.
  • one or more computer readable non-volatile storage media having computer readable instructions, when executed by one or more processors, causing one or more processors Perform the following steps: receiving the policy add-on request sent by the terminal and the pending electronic policy, the policy ticketing request carries the policy sample identifier; taking the signature information table, and searching for the first signature corresponding to the policy sample identifier from the signature information table Chapter identification, signature location information, location check character and character extraction domain location information; extracting the first character from the corresponding position in the to-be-processed electronic policy according to the character extraction domain location information; comparing the first character with the location check character When the first character is consistent with the position check character, the electronic signature corresponding to the first signature is obtained, and the electronic signature is stamped at the signature position of the electronic policy to be processed according to the signature location information.
  • 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

一种电子保单加签方法，包括：接收终端发送的保单加签请求及待处理电子保单，保单加签请求中携带保单样本标识；获取签章信息表，从签章信息表中查找与保单样本标识对应的第一签章标识、签章位置信息、位置校验字符和字符提取域位置信息；根据字符提取域位置信息从待处理电子保单中对应位置处提取第一字符；将第一字符与位置校验字符进行比较；当第一字符与位置校验字符一致时，获取与第一签章标识对应的电子签章，并根据签章位置信息将电子签章加盖在待处理电子保单的签章位置处。

Description

电子保单加签方法、装置、计算机设备及存储介质
本申请要求于2017年11月23日提交中国专利局、申请号为2017111821320、发明名称为“电子保单加签方法、装置、计算机设备及存储介质”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉及计算机技术领域，特别是涉及一种电子保单加签方法、装置、计算机设备及存储介质。
背景技术
保险公司业务量大，如果将所有的保险产品采用纸质保单寄送的方式送达客户，那么保单的寄送成本过高，同时会浪费大量的纸质单据。因此，保险公司将保险期限较短的保险产品多采用电子保单加盖电子印章的方式进行送达。现阶段，由于不同保单类型的电子保单签章位置不同，保单数量庞大，且保单不定期地会进行更新，从而经常出现电子签章加盖位置混杂，签章加盖错误的问题，导致电子签单加签工作返工率高，效率低。
发明内容
根据本申请公开的各种实施例，提供一种电子保单加签方法、装置、计算机设备及存储介质。
一种电子保单加签方法，包括以下步骤：
接收终端发送的保单加签请求及待处理电子保单，所述保单加签请求中携带保单样本标识；
获取签章信息表，从所述签章信息表中查找与所述保单样本标识对应的第一签章标识、签章位置信息、位置校验字符和字符提取域位置信息；
根据所述字符提取域位置信息从所述待处理电子保单中对应位置处提取第一字符；
将所述第一字符与所述位置校验字符进行比较；
当所述第一字符与所述位置校验字符一致时，获取与所述第一签章标识对应的电子签章，并根据所述签章位置信息将所述电子签章加盖在所述待处理电子保单的签章位置处。
一种电子保单加签装置，所述装置包括：
请求接收模块，用于接收终端发送的保单加签请求及待处理电子保单，所述保单加签请求中携带保单样本标识；
信息查找模块，用于获取签章信息表，从所述签章信息表中查找与所述保单样本标识相对应的第一签章标识、签章位置信息、位置校验字符和字符提取域位置信息；
字符提取模块，用于根据所述字符提取域位置信息从所述待处理电子保单中对应位置处提取第一字符；
字符比较模块，用于将所述第一字符与所述位置校验字符进行比较；
加签模块，用于当所述第一字符与所述位置校验字符一致时，获取与所述第一签章标识相对应的电子签章，并根据所述签章位置信息将所述电子签章加盖在所述待处理电子保单的签章位置处。
一种服务器，包括存储器和处理器，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，使得所述处理器执行以下步骤：
接收终端发送的保单加签请求及待处理电子保单，所述保单加签请求中携带保单样本标识；
获取签章信息表，从所述签章信息表中查找与所述保单样本标识对应的第一签章标识、签章位置信息、位置校验字符和字符提取域位置信息；
根据所述字符提取域位置信息从所述待处理电子保单中对应位置处提取第一字符；
将所述第一字符与所述位置校验字符进行比较；
当所述第一字符与所述位置校验字符一致时，获取与所述第一签章标识对应的电子签章，并根据所述签章位置信息将所述电子签章加盖在所述待处理电子保单的签章位置处。
一个或多个存储有计算机可读指令的计算机非易失性可读存储介质，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：
接收终端发送的保单加签请求及待处理电子保单，所述保单加签请求中携带保单样本标识；
获取签章信息表，从所述签章信息表中查找与所述保单样本标识对应的第一签章标识、签章位置信息、位置校验字符和字符提取域位置信息；
根据所述字符提取域位置信息从所述待处理电子保单中对应位置处提取第一字符；
将所述第一字符与所述位置校验字符进行比较；
当所述第一字符与所述位置校验字符一致时，获取与所述第一签章标识对应的电子签章，并根据所述签章位置信息将所述电子签章加盖在所述待处理电子保单的签章位置处。
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1为一个实施例中电子保单加签方法的应用环境图；
图2为一个实施例中电子保单加签方法的方法流程图；
图3为另一个实施例中电子保单加签方法的方法流程图；
图4为一个实施例中电子保单加签方法中签章信息添加步骤的方法流程图；
图5为一个实施例中电子保单加签装置的结构示意图；
图6为一个实施例中计算机设备的内部结构示意图。
具体实施方式
为了使本申请的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处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。
本申请实施例中所提供的电子保单加签方法可以应用于如图1所示的应用环境中。服务器102与终端104通过网络连接。其中，终端104的数量可以为多个。服务器102接收终端104发送的保单加签请求及待处理电子保单，服务器102根据接收到的保单加签请求中携带的保单样本标识查找对应的第一签章标识、签章位置信息、位置校验字符和字符提取域位置信息，并根据字符提取域位置从待处理电子保单中提取第一字符，当提取到的第一字符与位置校验字符一致时再对待处理电子保单进行加签处理。服务器102将经过加签处理的电子保单返回给终端104。
在一个实施例中，如图2所示，提供了一种电子保单加签方法，以该方法应用于服务器为例进行说明，具体包括以下步骤：
步骤210，接收终端发送的保单加签请求及待处理电子保单，保单加签请求中携带保单样本标识。
终端可以为保险公司、保险公司下属的各子公司、分支机构、代销点的打印系统的终端设备。打印系统生成的电子保单还需要加盖电子签章才可以生效。
打印系统终端可以将一段时间内生成的待进行签章处理的电子保单集中发送给服务器，由服务器进行统一进行加签处理。如终端可以定时向服务器发送保单加签请求及待处理电子保单。终端也可以预设保单数量阈值，当生成的电子保单数量到达预设保单数量阈值时，终端再向服务器发送保单加签请求。终端也可以根据电子保单的处理优先级别，将优先等级较高的电子保单优先发送给服务器进行加签处理。
终端向服务器发送待处理电子保单和保单加签请求，保单加签请求中携带保单样本标识，保单加签请求中还可以携带待处理电子保单的保单代码，其中，保单样本标识与发送的待处理电子保单的保单代码一一对应。在一个实施例中，终端在生成电子保单时，查找该电子保单所属的保险产品标识，再根据保险产品标识查找电子保单对应的保单样本标识，在向服务器发送保单加签请求时，将保单样本标识与电子保单的保单代码进行关联发送。
保单样本标识用于唯一确定电子保单的保单样本，一个保险产品或同一种保险产品可以对应于一份保单样本，需要说明的是，相同的保险产品由不同的代理机构、分公司进行销售时，由于各机构的签章信息不同，不同机构的同种保险产品对应的保单样本也很可能不一样，一个保险产品或同一种保险产品可以对应于一份保单样本可以对应于多份保单样本，但是保单样本标识中包含了保险产品信息、销售渠道信息，由保单样本标识可以唯一确定电子保单的保单样本。保单样本为电子保单进行加签所需参照的标准模板，电子保单的签章及准确的签章位置需要与对应的保单样本一致。
服务器接收到终端发送的待处理电子保单及保单加签请求后，从保单加签请求中获取各待处理电子保单所对应的保单样本标识，逐一对待处理电子保单进行加签处理。
步骤220，获取签章信息表，从签章信息表中查找与保单样本标识对应的第一签章标识、签章位置信息、位置校验字符和字符提取域位置信息。
服务器获取预先存储的签章信息表。签章信息表中存储了目前各机构在售的每一个保险产品或每一种保险产品的电子保单的签章信息。签章信息可以包括第一签章标识、签章位置信息、位置校验字符和字符提取域位置信息，上述签章信息均与保单样本标识具有一一对应的关系。
具体地，第一签章标识用于唯一标识电子签章，不同销售机构的不同的保险产品或不同种的保险产品可能采用不同的电子签章。服务器根据第一签章标识可以查找到待处理电子保单对应的电子签章。需要说明的是此处的“第一签章标识”中的“第一”是为了与下文的“第二签章标识”中的“第二”加以区别，下文中的第二签章标识是签章信息添加请求中所携带的签章标识，而非签章信息表中已经存储的保险产品的签章标识，但是，“第一签章标识” 和“第二签章标识”本质上都是为了用于唯一标识电子签章。
签章位置信息为电子签章需要加盖在电子保单上具体位置的位置信息，可以包括需要加盖的电子保单的页码信息，电子签章在加盖所在页的具体位置坐标等。其中，具体位置坐标可以为电子签章中心位置的坐标，也可以为电子坐标边缘界限的坐标集合，还可以为整个电子签章所在的坐标集合等等。
位置校验字符是用于对待处理电子保单的待签章位置校验的字符，字符提取域位置信息可以为位置校验字符的坐标，服务器通过字符提取域位置信息可以从待处理电子保单中提取出位置校验字符。
由于目前保险公司在售的保险产品的种类、数量庞大，并且电子保单的格式、内容进行调整的频率较大，因此，经常出现签章信息更新滞后于电子保单更新的情况，由此导致签章加盖位置错误。此外，各销售机构的销售量庞大，特别是在人工对客户投保产品进行分拣、分类的过程中出现错误，导致打印系统查找的保单样本标识出现错误，从而导致电子签章加盖出现混杂、位置错误的情况。
为了解决上述问题，在本实施例中，预先在服务器中存储了位置校验字符和相应的字符提取域位置信息，服务器根据字符提取域位置信息从待处理电子保单中提取出字符后，判断提取出的字符是否与位置校验字符相一致，并判断该电子保单是否进行了更新，或者查找的保单样本是否与电子保单一致。
在一个实施例中，位置校验字符可以采用电子签章加盖的落款字符，如电子保单正文内容中被电子签章覆盖、或与电子签章重合的一个或多个字符。落款字符对应的坐标数据即为字符提取域位置信息。需要说明的是，位置校验字符还可以为与电子签章位置具有一定对应关系的字符，不限于本实施例中所述的落款字符。
步骤230，根据字符提取域位置信息从待处理电子保单中对应位置处提取第一字符。
服务器从签章信息表中查找到保单样本标识对应的签章信息后，从待处理电子保单中与字符提取域位置信息相对应的位置处提取出第一字符。需要说明的是，这里的“第一”是为了与位置校验字符以作区分，并没有特别的表示意思。
步骤240，将第一字符与位置校验字符进行比较。
服务器将根据字符提取域位置信息提取到的与保单样本标识对应的位置校验字符进行比较，判断第一字符与位置校验字符是否相同。
步骤250，当第一字符与位置校验字符一致时，获取与第一签章标识对应的电子签章，并根据签章位置信息将电子签章加盖在待处理电子保单的签 章位置处。
当服务器判断第一字符与位置校验字符一致时，服务器根据第一签章标识查找与之相对应的电子签章，服务器调用查找到的电子签章，将电子签章加盖在待处理电子保单上与签章位置信息所对应的签章位置处。服务器对电子保单处理完毕后，可以将经过加签的电子保单批量返回给对应的终端，也可以根据电子保单的处理优先级别，对处理优先等级较高的保单优先处理并返回给终端。
当服务器判断第一字符与位置校验字符一致时，生成字符校验失败提示，将字符校验失败提示返回给对应的终端。字符校验失败提示中可以注明具体校验失败的电子保单的保单代码，提示内容可以为例如“T25903454保单的签章字符校验失败，请确认电子保单是否经过更新”等提示字样。终端对保单样本标识对应的保单样本与电子保单进行对照审核，判断是否需要对保单样本进行更新。
在本实施例中，服务器通过预先将各保单样本的签章标识、签章位置信息、位置校验字符和字符提取域位置信息等信息存储在签章信息表中，当接收到终端发送的保单加签请求之后，查找签章信息表中与保单样本标识对应的字符提取域位置信息，并根据字符提取域位置信息从待处理电子保单中提取第一字符，将第一字符与预存在签章信息表中的位置校验字符进行比较，当两个字符一致时才进行加签操作。从而通过对位置校验字符进行自动校验，保证加签位置的准确性，能够避免错误操作，可以提高加签工作的工作效率。
在一个实施例中，如图3所示，上述电子保单加签方法还可以包括：
步骤245：当第一字符与位置校验字符不一致时，向保单平台服务器发送携带保单样本标识的保单样本获取指令。
当服务器判断出第一字符与位置校验字符不一致时，服务器向保单平台服务器发送保单样本获取指令，保单样本获取指令中携带字符校验失败的待处理电子保单的保单样本标识。保单平台服务器对所有电子保单的保单样本进行统一管理，包括对一个保单样本的多个更新版本的管理。一个保单样本的多个更新版本可以具有不同的版本号。保单平台服务器根据保单样本标识查找与之相对应的最新版本的保单样本，并将最新版本的保单样本返回给服务器。
步骤255：接收保单平台服务器返回的与保单样本标识对应的保单样本。
服务器接收保单平台服务器返回的与保单样本标识对应的保单样本。
在一个实施例中，签章信息表中还可存储保单样本的版本信息如版本号等，服务器获取返回的保单样本的版本号，将获取的版本号与签章信息表中的版本号进行比较，判断两个版本号是否一致，当两个版本号不一致时，表 明保单样本已经发生了更新而签章信息表中的信息还未及时更新。当服务器判断出两个版本号一致时，表明处理过程中存在其他异常问题，生成处理异常结果提示并返回给发送保单加签请求的终端。
步骤265：获取与第一签章标识对应的电子签章，根据电子签章识别出保单样本中的印章图像并获取印章图像的位置坐标。
当服务器判断出保单样本发生了更新时，服务器获取与第一签章标识对应的电子签章，根据电子签章的签章图像对保单样本进行图像识别，从保单样本中识别出与签章图像一致的印章图像，印章图像即为保单样本上加盖的电子签章的图像，服务器获取识别出的印章图像的位置坐标。服务器可以只获取印章图像边缘像素点的坐标，服务器也可以获取印章图像中所有像素点的坐标，服务器还可以获取印章图像中特征像素点的坐标。需要说明的是，一般情况下，不同版本的保单样本中加盖的电子签章保持不变，但如果保单样本在进行版本更新时电子签章也发生了更新的情况下，保单平台服务器在向服务器返回保单样本的同时也会将更新的签章标识发送给服务器，服务器在接收到没有存储的签章标识时，对预先存储的电子签章也进行更新。
具体的图像识别过程可以采用基于印章图像形状特征的识别算法，也可以采用基于印章图像色彩特征的识别算法，还可以采用基于印章图像纹理特征的识别算法，本实施例对图像识别的方法并不做限定，服务器也可以采用其他图像识别算法对印章图像进行识别。
步骤275：在待处理电子保单中与位置坐标的对应位置处加盖电子签章。
服务器识别出印章图像的位置坐标后，在待处理电子保单中与位置坐标对应的位置处加盖获取的与第一签章标识对应的电子签章。
在本实施例中，当服务器判断出第一字符与位置校验字符不一致时，可以从保单平台服务器获取更新的保单样本，并自动识别更新的保单样本中印章图像的位置坐标，根据识别出位置坐标对待处理电子保单进行加签处理，由此对字符校验失败的电子保单也能进行自动化地加签处理，节省人工操作，提高效率。
在一个实施例中，根据电子签章识别出保单样本中的印章图像并获取印章图像的位置坐标的步骤265之后，还包括：根据印章图像的位置坐标计算出位置校验字符位置坐标；从保单样本的位置校验字符位置坐标对应位置处提取出第二字符；根据印章图像的位置坐标对签章信息表中对应的签章位置信息进行更新，根据位置校验字符位置坐标对签章信息表中对应的字符提取域位置信息进行更新，根据第二字符对签章信息表对应的位置校验字符进行更新。
在本实施例中，印章图像的位置坐标与位置校验字符的位置坐标存在一 定的关系，例如，位置校验字符中心位置的位置坐标与印章图像中心位置的位置坐标重合，或者两个中心位置的位置坐标具有固定的距离长度，又或者印章图像上某一像素点的位置坐标与位置校验字符的位置坐标重合、或具有固定的距离长度等，本实施例并不对两个位置坐标之间存在的位置关系进行限定。服务器根据印章图像的位置坐标和印章图像与位置校验字符的位置关系可以计算出位置校验字符位置坐标。
服务器根据计算出的位置校验字符位置坐标从保单样本的对应位置处提取出第二字符，提取出的第二字符为保单样本更新后的位置校验字符。服务器对字符校验失败的电子保单的保单样本标识对应的签章信息表中的签章位置信息进行更新，将签章信息表中对应的签章位置信息更新为识别的印章图像的位置坐标，将对应的字符提取域位置信息更新为计算得到的位置校验字符位置坐标，将对应的位置校验字符更新为提取出的第二字符，并对更新后的签章信息表进行保存。
在本实施例中，在出现字符校验失败的情况下，服务器除了自动获取、识别更新后的保单样本的印章图像的位置坐标之外，还根据印章图像的位置坐标与位置校验字符的位置坐标的位置关系自动提取更新后的位置校验字符，并根据上述识别、提取结果对签章信息表中对应的签章信息进行更新，从而可以及时更新保单样本的签章信息，保证后续加签工作的流畅性。
在一个实施例中，如图4所示，上述电子保单加签方法还包括以下签章信息添加的步骤：
步骤280：接收保单平台服务器发送的签章信息添加请求，签章信息添加请求中携带新增保单样本和第二签章标识。
当保单平台服务器添加有新的保单样本时，保单平台服务器对新的保单样本保存、对保单样本的信息进行记录后，保单平台服务器向服务器发送签章信息添加请求，签章信息添加请求中携带有新增保单样本以及与新增保单样本中的电子签章相对应的第二签章标识。服务器接收保单平台服务器发送的签章信息添加请求。
步骤282：查找与第二签章标识对应的电子签章。
服务器从接收的签章信息添加请求中读取第二签章标识，服务器从本地查找与第二签章标识相对应的电子签章。在一个实施例中，当服务器查找不到与第二签章标识对应的电子签章时，新增保单样本中的电子签章为新增电子签章，服务器根据签章信息添加请求中的业务信息向对应的业务终端获取与第二签章标识相对应的新增电子签章，以对本地存储的电子签章进行更新。
步骤284：根据与第二签章标识对应的电子签章识别出新增保单样本中的印章图像并获取印章图像的签章位置信息。
服务器根据查找到的与第二签章标识对应的电子签章的签章图像，从接收的新增保单样本中识别出印章图像，并获取印章图像的签章位置信息。其中，印章图像的签章位置信息可以为印章图像边缘像素点的坐标，也可以为印章图像中所有像素点的坐标，还可以为印章图像中特征像素点的坐标，在此并不做特别限定。具体的印章图像的识别方法参照上述实施例中描述的实施方式，在此不再赘述。
步骤286：根据印章图像的签章位置信息获取字符提取域位置信息，从新增保单样本的字符提取域位置信息对应位置处提取出新增位置校验字符。
如上述实施例中所述，印章图像的坐标位置与位置校验字符的坐标位置具有特定的位置关系。在一个实施例中，所有保单样本中的印章图像和位置校验字符可以采用相同的位置关系，服务器获取预先存储的位置关系，根据印章图像的签章位置信息中的位置坐标计算得到位置校验字符的位置坐标。在其他实施例中，不同保单样本中的印章图像和位置校验字符可以采用不同的位置关系，签章信息添加请求中携带位置关系数据，服务器从签章信息添加请求中读取位置关系数据，并根据印章图像的位置坐标计算得到位置校验字符的位置坐标。
服务器计算得到位置校验的位置坐标后，根据位置坐标从新增保单样本的对应位置处提取出字符作为新增保单样本的位置校验字符。
步骤288：将新增保单样本的样本标识、第二签章标识、签章位置信息、字符提取域位置信息和新增位置校验字符关联添加至签章信息表中。
服务器将接收到的新增保单样本的样本标识、第二签章标识，识别到的签章位置信息，计算得到的字符提取域位置信息和提取得到的新增位置校验字符昂关联添加至签章信息表，对签章信息表进行更新。
在本实施例中，当保单平台服务器中管理的保单样本有更新时，将新增的保单样本和签章信息推送给服务器，服务器自动从新增保单样本中识别印章图像的位置信息，根据印章图像的位置信息和预设的位置关系获取位置校验字符的位置信息，并提取出新增位置校验字符，将新增保单样本的签章信息更新至签章信息表中，使得签章信息表能够及时存储最新的保单样本信息。
在一个实施例中，根据印章图像的签章位置信息获取字符提取域位置信息，从新增保单样本的字符提取域位置信息对应位置处提取出新增位置校验字符的步骤，包括：获取印章图像的中心位置坐标；查找第二签章标识对应的字符提取域尺寸；将中心位置坐标作为字符提取域的中心位置坐标后，根据中心位置坐标与字符提取域尺寸计算出字符提取域位置信息；从新增保单样本的字符提取域位置信息对应位置处提取出新增位置校验字符。
在本实施例中，在计算字符提取域的位置信息时，服务器从印章图像的 签章位置信息中读取印章图像的中心位置坐标。同一电子签章的所对应的位置校验字符的字符提取域的尺寸是固定的，电子签章的签章标识与字符提取域的对应关系预先存储在服务器中。服务器根据第二签章标识查找对应的字符提取域尺寸。字符提取域尺寸为位置校验字符提取域的长与高的像素大小，例如，字符提取域尺寸可以为10×5个像素，8×4个像素等。
服务器将读取的印章图像的中心位置坐标作为字符提取域的中心位置坐标后，并根据字符提取域尺寸计算出整个字符提取域在电子保单中的坐标范围。服务器根据计算出的坐标范围在新增电子保单中确定字符提取域，对字符提取域中的字符进行识别。具体地，字符识别算法可以采用模板匹配算法、神经网络训练算法等。服务器将识别出的字符作为新增样本的位置校验字符。
在一个实施例中，上述电子保单加签方法中签章信息添加的步骤包括：接收保单平台服务器发送的签章信息添加请求，签章信息添加请求中携带新增保单样本和第二签章标识；查找第二签章标识对应的电子签章图像和位置校验字符图像；根据电子签章图像和位置校验字符图像识别出新增保单样本中的印章图像和位置校验字符，并获取印章图像的签章位置信息和位置校验字符的字符提取域位置信息；将新增保单样本的样本标识、第二签章标识、印章图像的签章位置信息和位置校验字符的字符提取域位置信息关联添加至签章信息表中。
本实施例与上述实施例中签章信息添加步骤的区别在于，上述实施例中印章图像与位置校验字符的位置关系是固定的，但是位置校验字符的字符内容是根据各新增保单的具体内容提取的。但是在本实施例中，位置校验字符的字符内容是固定不变的，且位置校验字符在保单样本中具有唯一性，位置校验字符的与印章图像之间不具有固定的位置关系。优选地，在一个实施例中，预先设定位置校验字符的识别区域，服务器在识别区域内对位置校验字符进行识别。
具体地，服务器中预先对应存储了电子签章、电子签章图像和位置校验字符图像。服务器根据接收的第二签章标识查找到对应的电子签章图像和位置校验字符图像，根据查找到的电子签章图像和位置校验字符图像从新增电子保单中识别出印章图像和位置校验字符，获取识别出的印章图像和位置校验字符的位置信息。
在一个实施例中，对印章图像和位置校验字符进行识别的具体步骤包括：将新增电子保单从pdf格式转换为图片格式，如可以转换为jpg图片格式。服务器获取位置校验字符图像的四个角映射的RGB像素值以及全部像素值，并获取电子签章图像四个角映射的RGB像素值以及全部像素值。服务器获取图片格式的新增电子保单的长与宽的尺寸数据，并获取电子签章图像和位置校 验字符图像的长与宽的尺寸数据。服务器根据电子签章图像的尺寸数据按照预设步长对新增电子保单图片进行遍历，例如，从原点(0，0)开始逐步向右移动1个像素步长，移动到图片边缘时，再向下移动1个像素步长，下移后再逐步向左移动。
每次移动时，服务器获取新增电子保单图片四个角映射的RGB像素值，将其与电子签章图像的四个角映射的RGB像素值进行比较，如果一样则进行进一步比较，将映射范围内的全部点与电子签章图像的全部像素值进行比较，如果全部一致，则获取映射范围的坐标数据，将其作为印章图像的签章位置信息。如果比较结果不一致，则继续遍历直至查找到像素值完全相同的映射图像。服务器识别出电子签章图像之后，采用与上述相同的算法对位置校验字符图像进行识别。其中，像素之间的比较可以通过BufferedImage对象获取每个像素的RGB值来比较的。
图2为本申请一个实施例的方法的流程示意图。应该理解的是，虽然图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，其可以以其他的顺序执行。而且，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，其执行顺序也不必然是依次进行，而是可以与其他步骤或者其他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。
请参阅图5，图5为一实施例中的电子保单加签装置的示意图，该装置包括：
请求接收模块510，用于接收终端发送的保单加签请求及待处理电子保单，保单加签请求中携带保单样本标识。
信息查找模块520，用于获取签章信息表，从签章信息表中查找与保单样本标识相对应的第一签章标识、签章位置信息、位置校验字符和字符提取域位置信息。
字符提取模块530，用于根据字符提取域位置信息从待处理电子保单中对应位置处提取第一字符。
字符比较模块540，用于将第一字符与位置校验字符进行比较。
加签模块550，用于当第一字符与位置校验字符一致时，获取与第一签章标识相对应的电子签章，并根据签章位置信息将电子签章加盖在待处理电子保单的签章位置处。
在一个实施例中，所述装置还可以包括：
指令发送模块，用于当第一字符与位置校验字符不一致时，向保单平台 服务器发送携带保单样本标识的保单样本获取指令。
样本接收模块，用于接收保单平台服务器返回的与保单样本标识对应的保单样本。
印章识别模块，用于获取与第一签章标识对应的电子签章，根据电子签章识别出保单样本中的印章图像并获取印章图像的位置坐标。
加签模块，用于在待处理电子保单中与位置坐标的对应位置处加盖电子签章。
在一个实施例中，所述装置还可以包括：
坐标计算模块，用于根据印章图像的位置坐标计算出位置校验字符位置坐标。
第二字符提取模块，用于从保单样本的位置校验字符位置坐标对应位置处提取出第二字符。
信息更新模块，用于根据印章图像的位置坐标对签章信息表中对应的签章位置信息进行更新，根据位置校验字符位置坐标对签章信息表中对应的字符提取域位置信息进行更新，根据第二字符对签章信息表对应的位置校验字符进行更新。
在一个实施例中，所述装置还可以包括：
添加请求接收模块，用于接收保单平台服务器发送的签章信息添加请求，签章信息添加请求中携带新增保单样本和第二签章标识。
签章查找模块，用于查找与第二签章标识对应的电子签章。
签章位置获取模块，用于根据与第二签章标识对应的电子签章识别出新增保单样本中的印章图像并获取印章图像的签章位置信息。
新增字符提取模块，用于根据印章图像的签章位置信息获取字符提取域位置信息，从新增保单样本的字符提取域位置信息对应位置处提取出新增位置校验字符。
新增信息添加模块，用于将新增保单样本的样本标识、第二签章标识、签章位置信息、字符提取域位置信息和新增位置校验字符关联添加至签章信息表中。
在一个实施例中，新增字符提取模块具体可以包括：
中心坐标获取模块，用于获取所述印章图像的中心位置坐标。
提取域尺寸查找模块，用于查找所述第二签章标识对应的字符提取域尺寸。
提取域位置计算模块，用于将所述中心位置坐标作为字符提取域的中心位置坐标后，根据所述中心位置坐标与所述字符提取域尺寸计算出字符提取域位置信息。
提取模块，用于从所述新增保单样本的所述字符提取域位置信息对应位置处提取出新增位置校验字符。
在一个实施例中，所述装置还可以包括：
添加请求接收模块，用于接收保单平台服务器发送的签章信息添加请求，签章信息添加请求中携带新增保单样本和第二签章标识。
图像查找模块，用于查找第二签章标识对应的电子签章图像和位置校验字符图像。
图像识别模块，用于根据电子签章图像和位置校验字符图像识别出新增保单样本中的印章图像和位置校验字符，并获取印章图像的签章位置信息和位置校验字符的字符提取域位置信息。
新增信息添加模块，用于将新增保单样本的样本标识、第二签章标识、印章图像的签章位置信息和位置校验字符的字符提取域位置信息关联添加至签章信息表中。
关于电子保单加签装置的具体限定可以参见上文中对于电子保单加签方法的限定，在此不再赘述。上述电子保单加签装置中的各个模块可全部或部分通过软件、硬件及其组合来实现。上述各模块可以硬件形式内嵌于或独立于计算机设备中的处理器中，也可以以软件形式存储于计算机设备中的存储器中，以便于处理器调用执行以上各个模块对应的操作。该处理器可以为中央处理单元(CPU)、微处理器、单片机等。上述电子保单加签装置可以实现为一种计算机可读指令的形式。
在一个实施例中，提供了一种计算机设备，该计算机设备可以是服务器，也可以是终端。当该计算机设备为服务器时，其内部结构图可以如图6所示。该计算机设备包括通过系统总线连接的处理器、存储器和网络接口。其中，该计算机设备的处理器用于提供计算和控制能力。该计算机设备的存储器包括非易失性存储介质、内存储器。该非易失性存储介质存储有操作系统和计算机程序。该内存储器为非易失性存储介质中的操作系统和计算机程序的运行提供环境。该计算机设备的网络接口用于与外部的终端通过网络连接通信。该计算机程序被处理器执行时以实现一种电子保单加签方法。本领域技术人员可以理解，图6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。
在一个实施例中，处理器执行计算机可读指令时可以执行以下步骤：接收终端发送的保单加签请求及待处理电子保单，保单加签请求中携带保单样本标识；取签章信息表，从签章信息表中查找与保单样本标识对应的第一签 章标识、签章位置信息、位置校验字符和字符提取域位置信息；根据字符提取域位置信息从待处理电子保单中对应位置处提取第一字符；将第一字符与位置校验字符进行比较；当第一字符与位置校验字符一致时，获取与第一签章标识对应的电子签章，及并根据签章位置信息将电子签章加盖在待处理电子保单的签章位置处。
在一个实施例中，提供了一个或多个存储有计算机可读指令的计算机可读非易失性存储介质，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：接收终端发送的保单加签请求及待处理电子保单，保单加签请求中携带保单样本标识；取签章信息表，从签章信息表中查找与保单样本标识对应的第一签章标识、签章位置信息、位置校验字符和字符提取域位置信息；根据字符提取域位置信息从待处理电子保单中对应位置处提取第一字符；将第一字符与位置校验字符进行比较；当第一字符与位置校验字符一致时，获取与第一签章标识对应的电子签章，及并根据签章位置信息将电子签章加盖在待处理电子保单的签章位置处。
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，是可以通过计算机程序来指令相关的硬件来完成，所述的计算机程序可存储于一非易失性计算机可读取存储介质中，该计算机程序在执行时，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。
以上所述实施例的各技术特征可以进行任意的组合，为使描述简洁，未对上述实施例中的各个技术特征所有可能的组合都进行描述，然而，只要这些技术特征的组合不存在矛盾，都应当认为是本说明书记载的范围。
以上所述实施例仅表达了本申请的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对发明专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本申请构思的前提下，还可以做出若干变形和改进，这些都属于本申请的保护范围。因此，本申请专利的保护范围应以所附权利要求为准。

Claims (20)

  1. 一种电子保单加签方法，其特征在于，所述方法包括以下步骤：
    接收终端发送的保单加签请求及待处理电子保单，所述保单加签请求中携带保单样本标识；
    获取签章信息表，从所述签章信息表中查找与所述保单样本标识对应的第一签章标识、签章位置信息、位置校验字符和字符提取域位置信息；
    根据所述字符提取域位置信息从所述待处理电子保单中对应位置处提取第一字符；
    将所述第一字符与所述位置校验字符进行比较；及
    当所述第一字符与所述位置校验字符一致时，获取与所述第一签章标识对应的电子签章，并根据所述签章位置信息将所述电子签章加盖在所述待处理电子保单的签章位置处。
  2. 根据权利要求1所述的方法，其特征在于，所述方法还包括：
    当所述第一字符与所述位置校验字符不一致时，向保单平台服务器发送携带所述保单样本标识的保单样本获取指令；
    接收所述保单平台服务器返回的与所述保单样本标识对应的保单样本；
    获取与所述第一签章标识对应的电子签章，根据所述电子签章识别出所述保单样本中的印章图像并获取所述印章图像的位置坐标；及
    在所述待处理电子保单中与所述位置坐标的对应位置处加盖所述电子签章。
  3. 根据权利要求2所述的方法，其特征在于，所述根据所述电子签章识别出所述保单样本中的印章图像并获取所述印章图像的位置坐标之后，还包括：
    根据所述印章图像的位置坐标计算出位置校验字符位置坐标；
    从所述保单样本的位置校验字符位置坐标对应位置处提取出第二字符；及
    根据所述印章图像的位置坐标对所述签章信息表中对应的签章位置信息进行更新，根据所述位置校验字符位置坐标对所述签章信息表中对应的字符提取域位置信息进行更新，根据所述第二字符对所述签章信息表对应的位置校验字符进行更新。
  4. 根据权利要求1所述的方法，其特征在于，所述方法还包括：
    接收保单平台服务器发送的签章信息添加请求，所述签章信息添加请求中携带新增保单样本和第二签章标识；
    查找与所述第二签章标识对应的电子签章；
    根据与所述第二签章标识对应的电子签章识别出所述新增保单样本中的 印章图像并获取所述印章图像的签章位置信息；
    根据所述印章图像的签章位置信息获取字符提取域位置信息，从所述新增保单样本的字符提取域位置信息对应位置处提取出新增位置校验字符；及
    将所述新增保单样本的样本标识、所述第二签章标识、所述签章位置信息、所述字符提取域位置信息和所述新增位置校验字符关联添加至所述签章信息表中。
  5. 根据权利要求4所述的方法，其特征在于，所述根据所述印章图像的签章位置信息获取字符提取域位置信息，从所述新增保单样本的字符提取域位置信息对应位置处提取出新增位置校验字符，包括：
    获取所述印章图像的中心位置坐标；
    查找所述第二签章标识对应的字符提取域尺寸；
    将所述中心位置坐标作为字符提取域的中心位置坐标后，根据所述中心位置坐标与所述字符提取域尺寸计算出字符提取域位置信息；及
    从所述新增保单样本的所述字符提取域位置信息对应位置处提取出新增位置校验字符。
  6. 根据权利要求1所述的方法，其特征在于，所述方法还包括：
    接收保单平台服务器发送的签章信息添加请求，所述签章信息添加请求中携带新增保单样本和第二签章标识；
    查找所述第二签章标识对应的电子签章图像和位置校验字符图像；
    根据所述电子签章图像和所述位置校验字符图像识别出所述新增保单样本中的印章图像和位置校验字符，并获取所述印章图像的签章位置信息和所述位置校验字符的字符提取域位置信息；及
    将所述新增保单样本的样本标识、所述第二签章标识、所述印章图像的签章位置信息和所述位置校验字符的字符提取域位置信息关联添加至所述签章信息表中。
  7. 一种电子保单加签装置，所述装置包括：
    请求接收模块，用于接收终端发送的保单加签请求及待处理电子保单，所述保单加签请求中携带保单样本标识；
    信息查找模块，用于获取签章信息表，从所述签章信息表中查找与所述保单样本标识相对应的第一签章标识、签章位置信息、位置校验字符和字符提取域位置信息；
    字符提取模块，用于根据所述字符提取域位置信息从所述待处理电子保单中对应位置处提取第一字符；
    字符比较模块，用于将所述第一字符与所述位置校验字符进行比较；及
    加签模块，用于当所述第一字符与所述位置校验字符一致时，获取与所 述第一签章标识相对应的电子签章，并根据所述签章位置信息将所述电子签章加盖在所述待处理电子保单的签章位置处。
  8. 根据权利要求7所述的装置，其特征在于，所述装置还包括：
    指令发送模块，用于当所述第一字符与所述位置校验字符不一致时，向保单平台服务器发送携带所述保单样本标识的保单样本获取指令；
    样本接收模块，用于接收所述保单平台服务器返回的与所述保单样本标识对应的保单样本；
    印章识别模块，用于获取与所述第一签章标识对应的电子签章，根据所述电子签章识别出所述保单样本中的印章图像并获取所述印章图像的位置坐标；及
    加签模块，用于在所述待处理电子保单中与所述位置坐标的对应位置处加盖所述电子签章。
  9. 一种服务器，包括存储器及处理器，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，使得所述处理器执行以下步骤：
    接收终端发送的保单加签请求及待处理电子保单，所述保单加签请求中携带保单样本标识；
    获取签章信息表，从所述签章信息表中查找与所述保单样本标识对应的第一签章标识、签章位置信息、位置校验字符和字符提取域位置信息；
    根据所述字符提取域位置信息从所述待处理电子保单中对应位置处提取第一字符；
    将所述第一字符与所述位置校验字符进行比较；及
    当所述第一字符与所述位置校验字符一致时，获取与所述第一签章标识对应的电子签章，并根据所述签章位置信息将所述电子签章加盖在所述待处理电子保单的签章位置处。
  10. 根据权利要求9所述的服务器，其特征在于，所述处理器还用于执行：
    当所述第一字符与所述位置校验字符不一致时，向保单平台服务器发送携带所述保单样本标识的保单样本获取指令；
    接收所述保单平台服务器返回的与所述保单样本标识对应的保单样本；
    获取与所述第一签章标识对应的电子签章，根据所述电子签章识别出所述保单样本中的印章图像并获取所述印章图像的位置坐标；及
    在所述待处理电子保单中与所述位置坐标的对应位置处加盖所述电子签章。
  11. 根据权利要求10所述的服务器，其特征在于，所述处理器还用于执 行：
    根据所述印章图像的位置坐标计算出位置校验字符位置坐标；
    从所述保单样本的位置校验字符位置坐标对应位置处提取出第二字符；及
    根据所述印章图像的位置坐标对所述签章信息表中对应的签章位置信息进行更新，根据所述位置校验字符位置坐标对所述签章信息表中对应的字符提取域位置信息进行更新，根据所述第二字符对所述签章信息表对应的位置校验字符进行更新。
  12. 根据权利要求9所述的服务器，其特征在于，所述处理器还用于执行：
    接收保单平台服务器发送的签章信息添加请求，所述签章信息添加请求中携带新增保单样本和第二签章标识；
    查找与所述第二签章标识对应的电子签章；
    根据与所述第二签章标识对应的电子签章识别出所述新增保单样本中的印章图像并获取所述印章图像的签章位置信息；
    根据所述印章图像的签章位置信息获取字符提取域位置信息，从所述新增保单样本的字符提取域位置信息对应位置处提取出新增位置校验字符；及
    将所述新增保单样本的样本标识、所述第二签章标识、所述签章位置信息、所述字符提取域位置信息和所述新增位置校验字符关联添加至所述签章信息表中。
  13. 根据权利要求12所述的服务器，其特征在于，所述处理器还用于执行：
    获取所述印章图像的中心位置坐标；
    查找所述第二签章标识对应的字符提取域尺寸；
    将所述中心位置坐标作为字符提取域的中心位置坐标后，根据所述中心位置坐标与所述字符提取域尺寸计算出字符提取域位置信息；及
    从所述新增保单样本的所述字符提取域位置信息对应位置处提取出新增位置校验字符。
  14. 根据权利要求9至13任意一项所述的服务器，其特征在于，所述处理器还用于执行：
    接收保单平台服务器发送的签章信息添加请求，所述签章信息添加请求中携带新增保单样本和第二签章标识；
    查找所述第二签章标识对应的电子签章图像和位置校验字符图像；
    根据所述电子签章图像和所述位置校验字符图像识别出所述新增保单样本中的印章图像和位置校验字符，并获取所述印章图像的签章位置信息和所 述位置校验字符的字符提取域位置信息；及
    将所述新增保单样本的样本标识、所述第二签章标识、所述印章图像的签章位置信息和所述位置校验字符的字符提取域位置信息关联添加至所述签章信息表中。
  15. 一个或多个存储有计算机可读指令的计算机非易失性可读存储介质，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：接收终端发送的保单加签请求及待处理电子保单，所述保单加签请求中携带保单样本标识；
    获取签章信息表，从所述签章信息表中查找与所述保单样本标识对应的第一签章标识、签章位置信息、位置校验字符和字符提取域位置信息；
    根据所述字符提取域位置信息从所述待处理电子保单中对应位置处提取第一字符；
    将所述第一字符与所述位置校验字符进行比较；及
    当所述第一字符与所述位置校验字符一致时，获取与所述第一签章标识对应的电子签章，并根据所述签章位置信息将所述电子签章加盖在所述待处理电子保单的签章位置处。
  16. 根据权利要求15所述的存储介质，其特征在于，所述处理器还用于执行：
    当所述第一字符与所述位置校验字符不一致时，向保单平台服务器发送携带所述保单样本标识的保单样本获取指令；
    接收所述保单平台服务器返回的与所述保单样本标识对应的保单样本；
    获取与所述第一签章标识对应的电子签章，根据所述电子签章识别出所述保单样本中的印章图像并获取所述印章图像的位置坐标；及
    在所述待处理电子保单中与所述位置坐标的对应位置处加盖所述电子签章。
  17. 根据权利要求16所述的存储介质，其特征在于，所述处理器还用于执行：
    根据所述印章图像的位置坐标计算出位置校验字符位置坐标；
    从所述保单样本的位置校验字符位置坐标对应位置处提取出第二字符；及
    根据所述印章图像的位置坐标对所述签章信息表中对应的签章位置信息进行更新，根据所述位置校验字符位置坐标对所述签章信息表中对应的字符提取域位置信息进行更新，根据所述第二字符对所述签章信息表对应的位置校验字符进行更新。
  18. 根据权利要求15所述的存储介质，其特征在于，所述处理器还用于 执行：
    接收保单平台服务器发送的签章信息添加请求，所述签章信息添加请求中携带新增保单样本和第二签章标识；
    查找与所述第二签章标识对应的电子签章；
    根据与所述第二签章标识对应的电子签章识别出所述新增保单样本中的印章图像并获取所述印章图像的签章位置信息；
    根据所述印章图像的签章位置信息获取字符提取域位置信息，从所述新增保单样本的字符提取域位置信息对应位置处提取出新增位置校验字符；及将所述新增保单样本的样本标识、所述第二签章标识、所述签章位置信息、所述字符提取域位置信息和所述新增位置校验字符关联添加至所述签章信息表中。
  19. 根据权利要求18所述的存储介质，其特征在于，所述处理器还用于执行：
    获取所述印章图像的中心位置坐标；
    查找所述第二签章标识对应的字符提取域尺寸；
    将所述中心位置坐标作为字符提取域的中心位置坐标后，根据所述中心位置坐标与所述字符提取域尺寸计算出字符提取域位置信息；及
    从所述新增保单样本的所述字符提取域位置信息对应位置处提取出新增位置校验字符。
  20. 根据权利要求15至19任意一项所述的存储介质，其特征在于，所述处理器还用于执行：
    接收终端发送的保单加签请求及待处理电子保单，所述保单加签请求中携带保单样本标识；
    获取签章信息表，从所述签章信息表中查找与所述保单样本标识对应的第一签章标识、签章位置信息、位置校验字符和字符提取域位置信息；
    根据所述字符提取域位置信息从所述待处理电子保单中对应位置处提取第一字符；
    将所述第一字符与所述位置校验字符进行比较；及
    当所述第一字符与所述位置校验字符一致时，获取与所述第一签章标识对应的电子签章，并根据所述签章位置信息将所述电子签章加盖在所述待处理电子保单的签章位置处。
PCT/CN2018/076864 2017-11-23 2018-02-14 电子保单加签方法、装置、计算机设备及存储介质 Ceased WO2019100613A1 (zh)

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