WO2020108115A1 - 信息核查方法以及装置 - Google Patents

信息核查方法以及装置 Download PDF

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Publication number
WO2020108115A1
WO2020108115A1 PCT/CN2019/110656 CN2019110656W WO2020108115A1 WO 2020108115 A1 WO2020108115 A1 WO 2020108115A1 CN 2019110656 W CN2019110656 W CN 2019110656W WO 2020108115 A1 WO2020108115 A1 WO 2020108115A1
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WO
WIPO (PCT)
Prior art keywords
notification
health
information
health notification
path
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PCT/CN2019/110656
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English (en)
French (fr)
Inventor
叶红梅
王赟
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阿里巴巴集团控股有限公司
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Publication of WO2020108115A1 publication Critical patent/WO2020108115A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G16—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR SPECIFIC APPLICATION FIELDS
    • G16H—HEALTHCARE INFORMATICS, i.e. INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR THE HANDLING OR PROCESSING OF MEDICAL OR HEALTHCARE DATA
    • G16H50/00—ICT specially adapted for medical diagnosis, medical simulation or medical data mining; ICT specially adapted for detecting, monitoring or modelling epidemics or pandemics
    • G16H50/30—ICT specially adapted for medical diagnosis, medical simulation or medical data mining; ICT specially adapted for detecting, monitoring or modelling epidemics or pandemics for calculating health indices; for individual health risk assessment
    • G—PHYSICS
    • G16—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR SPECIFIC APPLICATION FIELDS
    • G16H—HEALTHCARE INFORMATICS, i.e. INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR THE HANDLING OR PROCESSING OF MEDICAL OR HEALTHCARE DATA
    • G16H50/00—ICT specially adapted for medical diagnosis, medical simulation or medical data mining; ICT specially adapted for detecting, monitoring or modelling epidemics or pandemics
    • G16H50/70—ICT specially adapted for medical diagnosis, medical simulation or medical data mining; ICT specially adapted for detecting, monitoring or modelling epidemics or pandemics for mining of medical data, e.g. analysing previous cases of other patients

Definitions

  • This application relates to the field of data processing technology, and in particular to an information verification method. This application also relates to an information verification device, a computing device, and a computer-readable storage medium.
  • the health notification link in the Internet insurance application process is usually provided by the insurance company, and the insured person confirms the health notification based on the text content according to his own situation.
  • the situation falls within the scope of health notification, telephone consultation, abandonment of insurance or direct insurance will usually occur. Therefore, to a certain extent, truthful notification not only has problems in the level of informing, but also in the level of informing.
  • the embodiments of the present application provide an information verification method to solve the technical defects in the prior art.
  • the embodiments of the present application also provide an information verification device, a computing device, and a computer-readable storage medium.
  • An embodiment of the present application discloses an information verification method, including:
  • the execution result of the information notification path is determined based on the information notification input as a verification result of the information verification.
  • the information verification includes: health notification;
  • the verification information database includes: a disease database
  • the information to be checked includes: diseases in the disease library;
  • the information notification interaction logic includes: health notification interaction logic;
  • the information notification path in the information notification interaction logic includes: a health notification path in the health notification interaction logic;
  • the information notification input includes: health notification input;
  • the verification result of the information verification includes: the health notification result of the health notification.
  • the information verification method includes:
  • the execution result of the health notification path is determined based on the health notification input as the health notification result of the health notification.
  • the obtaining before performing the step of selecting a disease in a disease library required for health notification, the obtaining includes:
  • the step of determining the execution result of the health notification path based on the health notification input, as the health notification result step of the health notification includes:
  • the health notification details corresponding to the health notification application are generated according to the health notification result.
  • the health notification path Before performing the health notification result step as the health notification, it includes:
  • execution process data generated during execution of the health notification path;
  • the execution process data includes the health notification path and the health notification input;
  • the second health notification is initiated based on the execution process data.
  • the initiating the second health notification based on the execution process data includes:
  • the disease library required for health notification is constructed in the following manner:
  • the disease library is constructed based on the disease data and the hierarchical structure relationship.
  • the health notification interaction logic is constructed in the following manner:
  • the health notification interaction logic is constructed.
  • the health notification path in the health notification interaction logic is executed in a question-answer interaction mode, and the notification questions and notification answers included in the health notification path have a corresponding relationship;
  • the notification questions included in the health notification path are determined based on the mapping order, and the notification answers included in the health notification path are determined based on the health notification input.
  • the notification questions included in the health notification path and corresponding notification answers are determined based on the notification answer model
  • the notification answer model is constructed in the following manner:
  • the underwriting condition in the underwriting data corresponding to the disease in the disease library the health characteristic data, and the mapping relationship between the underwriting condition and the health notification result, construct The description tells the answer model.
  • the notification question and the corresponding notification answer are implemented in at least one of the following ways to implement notification interaction with the insured:
  • Text-based question answering interaction voice-based question answering interaction, voice image question answering interaction and video-based question answering interaction.
  • the health notification interaction logic has a unique correspondence with the policyholder
  • the determining the health notification path corresponding to the disease in the health notification interaction logic includes:
  • the health notification interaction path of the disease in the personalized health notification interaction logic is determined as the health notification path corresponding to the disease.
  • the determining personalized health notification interaction logic corresponding to the insured according to the health characteristic data of the insured includes:
  • the sub-interaction logic matching the health characteristic data among the reference health notification interaction logics is extracted as the personalized health notification interaction logic corresponding to the policyholder.
  • This application provides an information verification device, including:
  • the information-to-be-checked selection unit is configured to obtain the information to be checked selected in the verification information database required for information verification;
  • the information notification path determination unit is configured to determine the information notification path corresponding to the information to be checked in the information notification interaction logic
  • An information notification path execution unit configured to execute the information notification path and receive an information notification input during execution of the information notification path
  • the verification result determination unit is configured to determine the execution result of the information notification path based on the information notification input as the verification result of the information verification.
  • This application provides a computing device, including:
  • the memory is used to store computer executable instructions
  • the processor is used to execute the computer executable instructions:
  • the execution result of the information notification path is determined based on the information notification input as a verification result of the information verification.
  • the present application also provides a computer-readable storage medium that stores computer instructions that when executed by a processor implement the steps of the information verification method of the claims.
  • This application provides an information verification method, which includes: obtaining information to be checked selected in the verification information database required for information verification; determining a corresponding information notification path in the information notification interaction logic of the information to be verified; performing the information notification A path, and receiving an information notification input during execution of the information notification path; determining an execution result of the information notification path based on the information notification input as a verification result of the information verification.
  • the information verification method provided in this application from the perspective of easy understanding in the process of information verification, based on the information to be verified selected in the verification information database, determine and execute the corresponding information notification path of the information to be verified in the information notification interaction logic At the same time, the verification result is determined according to the information notification input during the execution process, and intelligent information verification processing is realized in a systematic and concise manner, thereby providing a more convenient way of information verification, and at the same time improving the efficiency of information verification and the information verification Effectiveness.
  • FIG. 1 is a processing flowchart of an information verification method provided by an embodiment of the present application
  • FIG. 2 is a processing flowchart of a health notification process provided by an embodiment of the present application.
  • FIG. 3 is a schematic diagram of an information verification device provided by an embodiment of the present application.
  • FIG. 4 is a structural block diagram of a computing device provided by an embodiment of the present application.
  • first, second, etc. may be used to describe various information in one or more embodiments of this specification, the information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other.
  • the first may also be referred to as the second, and similarly, the second may also be referred to as the first.
  • word "if” as used herein may be interpreted as "when” or “when” or “in response to a determination”.
  • This application provides an information verification method.
  • the application also provides an information verification device, a computing device, and a computer-readable storage medium. The following is a detailed description with reference to the drawings of the embodiments provided in this application, and each step of the method is described.
  • An example of an information verification method provided by this application is as follows:
  • FIG. 1 shows a processing flowchart of an information verification method provided by this embodiment
  • FIG. 2 shows a processing flowchart of a health notification process provided by an embodiment of the present application.
  • Step S102 Obtain the information to be checked selected in the checking information database required for information checking.
  • the information verification described in the embodiments of the present application includes the information verification of the participants who apply for participating in the mutual aid project in the mutual aid project. If the verification result of the participant in the information verification link is verified, the participant is allowed Participate in mutual aid projects.
  • the mutual aid projects include insurance, such as health insurance such as critical illness insurance, medical insurance, nursing insurance and accidental injury insurance.
  • the information verification conducted in the process of participating in the mutual aid and mutual aid project includes the health notification by the health insurance policyholders in the process of participating in the insurance purchase.
  • This embodiment of the present application takes the health notification in the process of the purchase of health insurance by the policyholder as an example to describe the information verification method provided in the embodiment of the present application.
  • the verification information database required for information verification includes a disease database required for health notification
  • the information to be verified in the verification information database includes diseases in the disease database required for health notification.
  • the following information notification interaction logic includes health notification interaction logic
  • the information notification path in the information notification interaction logic includes the health notification path in the health notification interaction logic
  • the information notification path receives
  • the received information notification input includes the health notification input received during the execution of the health notification path
  • the verification result of the information verification includes the health notification result of the health notification.
  • the information verification method provided in this application is from the perspective of easy understanding by the user (insured) in the process of informing the insured's health during the underwriting process, and on the premise of ensuring the insured's privacy, the disease, symptoms and common medicine Definition to deconstruct the content of health notifications, so that policyholders can make notifications based on their own health conditions.
  • policyholders provide health feature data or authorize the collection of health feature data
  • intelligent health notification processing can be implemented in a systematic and concise manner, so that underwriting
  • the link provides a more convenient way to realize health notification, and at the same time improves the efficiency and effectiveness of online underwriting and underwriting.
  • the premise of performing health notification is that the user (ie, the insured) initiates the health notification application after purchasing insurance, and specifically refers to entering the health notification after receiving the applicant's health notification application Link.
  • the health insurance application of the policyholder may be a health notification application initiated by the policyholder for his own insurance purchase, or may be a health notification application initiated by the policyholder when purchasing insurance for him, such as when the policyholder purchases health insurance for his family Health notification application; correspondingly, if the insured is a health notification application initiated for the purchase of insurance for himself, the health notification is based on the health status of the insured; if the insured is a health notification application initiated for others to purchase insurance, The health notification is also based on the health status of others.
  • the process of health notification first obtain the disease selected by the insured in the disease library required for health notification, wherein the disease library required for health notification contains a collection of all disease-related data related to the health insurance purchased by the insured, Specifically in the process of health notification, it is necessary for the policyholder to combine the disease database to clarify the health status of the policyholder at the time of insurance purchase, so as to clearly divide the health responsibilities of the policyholder before and after the insurance purchase.
  • the disease library required for health notification is constructed in the following manner:
  • the historical health feature data may be health feature data that reflects the health status of the historical insurance purchase user group.
  • the critical illness insurance in the health insurance it is first necessary to clarify the types of diseases covered by the critical illness insurance coverage, including malignant tumors, acute myocardial infarction, sequelae of stroke, major organ transplantation, etc.
  • Health characteristic data determine the diseases included in each disease type and sort out the content of the disease; further, sort out the subordinate relationship between the type of disease and the disease, and the corresponding relationship between the disease and the content of the disease;
  • the diseases included in each disease type, the disease content of the disease, the affiliation relationship between the disease type and the disease, and the correspondence relationship between the disease and the disease content construct a structured disease database.
  • Step S104 Determine the information notification path corresponding to the information to be checked in the information notification interaction logic.
  • the health notification interaction logic described in the embodiments of the present application refers to the underlying logic of the notification interaction with the insured during the health notification process.
  • the diseases in the disease library have corresponding health notification interaction paths in the health notification interaction logic. Selecting a disease in the disease library will trigger the corresponding health notification cross-path in the health notification interaction logic.
  • the interaction logic of health notification related to disease A1 under disease classification A is as follows:
  • the health notification interaction logic related to disease A1 includes multiple health notification paths for disease A1.
  • the following uses two health notification paths as an example to illustrate:
  • Health notification path Path 1 Disease A under disease classification A1-> Coverage type "Q&A”->Question Q1->Question Q1 question description "Whether there is a special situation”->Insured’s negative answer->Negative answer processing "underwriting ";
  • the first step triggers the underwriting type node, the content of the underwriting type node is "Q&A”, the second step triggers question Q1, and shows the question Q1 to the insured Description: "Whether there are special circumstances";
  • the insured learns that the question description of question Q1 is "whether there is a special situation", it will confirm according to the question description, that is: enter or select "yes” or “no” for the question description of question Q1. If “No”, the third step triggers a negative answer to question Q1, and the negative answer to question Q1 is processed to “underwrite”. Finally, the result obtained by executing the health notification path Path 1 is the underwriting process for the insurance applicant’s insurance application.
  • Health notification path Path 2 Disease A under disease classification A1->Underwriting type "Q&A"->Question Q1->Question Q1 Question description "Is there a special situation"->Insured person must answer ->Question Q2->Question Q2 question description "Is there a certain symptom” -> policyholder negative answer -> question Q3-> question Q3 question description "specific time period inspection results” -> policyholder negative answer -> negative answer processing "refusal” ;
  • the first step triggers the underwriting type node, the content of the underwriting type node is "Q&A”, the second step triggers question Q1, and shows the question Q1 to the insured Description: "Whether there are special circumstances";
  • the insured learns that the question description of question Q2 is "whether there is a certain symptom", it will confirm according to the question description, that is: enter or select "yes” or “no” for the question description of question Q2, if the applicant’s input or Select "No", the fifth step triggers the question Q3, and show the policy description of the question Q3 to the policyholder: "Examination result in a specific time period";
  • the health notification interaction logic is constructed in the following manner:
  • disease A1 also includes the mapping relationship between disease A1 and the health characteristic data of the insured person under disease classification A, and the specific mapping order.
  • disease A1 does not have gender restrictions or age restrictions.
  • the health notification interaction logic when constructing the health notification interaction logic, on the basis of determining the health notification data, health characteristic data, and underwriting data related to the diseases in the disease library, the disease and A mapping relationship between the health notification data, the health characteristic data, and the underwriting data, constructing the health notification interaction logic based on the established mapping relationship; or, establishing a disease in the disease library and the health notification
  • the hierarchical relationship between the data, the health characteristic data, and the underwriting data, the health notification interaction logic is constructed based on the established hierarchical relationship.
  • the health notification path in the health notification interaction logic is executed in a question-answer interaction mode, and the notification questions included in the health notification path have a corresponding relationship with the notification answers; wherein, the notification questions included in the health notification path are based on The mapping order is determined, and the notification answer included in the health notification path is determined based on the health notification input.
  • the notification questions included in the health notification path and corresponding notification answers are determined based on the notification answer model; specifically, the notification answer model is constructed in the following manner:
  • the underwriting condition in the underwriting data corresponding to the disease in the disease library constructs the institute The description tells the answer model.
  • a new disease is added to the disease library, and the new disease needs to be added to the health notification interaction logic, and the question and answer data of the new disease are required during the process of joining, such as: whether there are exceptions and symptoms related to the new disease Data and treatment-related data, you can pass the new disease whether there are exceptions, symptom-related data and treatment-related data, as well as the insurance conditions related to the new disease and the insurance conditions, the health characteristics of the insured, etc.
  • the data input informs the answer model, and after the inform answer model analyzes and processes the input data, the question and answer data of the newly added disease is output. Generating the question-and-answer data of the disease by informing the answering model can effectively reduce the time cost and labor cost of human participation, and also improve the processing efficiency.
  • the notification question and the corresponding notification answer are implemented in a text-based question and answer interaction mode.
  • notification question and the corresponding notification answer can also be implemented in other ways that can achieve notification interaction with the insured, such as voice-based question-answer interaction, voice-based image question-answer interaction, or video-based
  • the question-answer interaction mode is implemented, which is not limited in this embodiment.
  • all policyholders use the same health notification interaction logic for the interactive processing of health notification.
  • personalized health notification interaction logic can also be generated for each policyholder based on personalized health Inform the interaction logic, and realize the “1000 people and thousands of faces” health notification in the underwriting process, so as to provide more convenient and effective health notification to policyholders.
  • the health notification interaction logic has a unique correspondence with the insured; based on this, the above-mentioned determination of the corresponding health notification path in the health notification interaction logic of the disease specifically includes: Obtain the health characteristic data of the insured person, and then, according to the health characteristic data of the insured person, determine the personalized health notification interaction logic corresponding to the insured person, and finally, determine the health notification of the disease in the personalized health notification interaction logic
  • the interactive path serves as a health notification path corresponding to the disease.
  • the personalized health notification interaction logic corresponding to the insured person is determined according to the insured person's health characteristic data, specifically by matching the insured person's health characteristic data with the pre-configured reference health notification interaction logic, and The sub-interaction logic matching the health characteristic data in the reference health notification interaction logic is extracted as the personalized health notification interaction logic corresponding to the insured.
  • the insured is a male user, you only need to extract the male-related interaction logic in the basic health notification interaction logic, and for example, if the insured is an insured person who is 20 years old and 30 years old, you only need to extract the basic health notification interaction logic.
  • the interaction logic of common diseases in this age group is sufficient.
  • Step S106 execute the information notification path, and receive the information notification input during the execution of the information notification path.
  • the above steps determine the health notification path corresponding to the disease selected by the applicant in the health notification interaction logic. This step executes the health notification path and receives the health notification input of the policyholder during the execution of the health notification path.
  • the record generated during the execution of the health notification path is recorded Execution process data; the execution process data includes the health notification path and the health notification input, and initiates a second health notification to the insured based on the execution process data.
  • the process of health notification is repeated, that is, the above step S102 is returned to, starting from the execution of the above step S102 Repeat the health notification process.
  • Step S108 Determine an execution result of the information notification path based on the information notification input as a verification result of the information verification.
  • the above steps execute the health notification path and receive the health notification input of the insured during the execution of the health notification path. This step is based on the health notification input of the insured in the health notification process for the health notification path, The execution result of the health notification path is determined, and the execution result of the health notification path is used as the health notification result of the health notification.
  • a corresponding refusal reminder may be issued; if the health notification result is insurable, the health notification details corresponding to the health notification application are generated, and can also be based on the health notification details
  • the insurance policy for the purchase of health insurance by the insured is further generated, and the generated policy carries the health notification details and underwriting information; if the health notification result is under-responsible underwriting, the health notification details corresponding to the health notification application can also be generated.
  • a policy for the purchase of health insurance by the insured is further generated, and the generated policy carries the details of the health notification and outsourced underwriting information.
  • Step S202 Receive the health notification application from the insured person, and determine whether the health notification application is a health notification application initiated by the policyholder for his own insurance purchase or a health notification application initiated by the policyholder when purchasing insurance for his family.
  • Step S204 enter the health notification process, if the insured is the health notification application initiated for the purchase of insurance for himself, the health notification is based on the health status of the insured; if the insured is the health notification application for the purchase of insurance for others, The health notification is also based on the health status of others.
  • Step S206 Determine the disease A1 under the disease category A selected by the insured in the disease library required for health notification.
  • Step S208 Determine the corresponding health notification path in the disease A1 health notification interaction logic under the disease classification A.
  • step S210 the corresponding health notification path of the disease A1 in the health notification interaction logic is executed.
  • Step S212 Record the execution process data generated during the execution of the health notification path corresponding to the disease A1.
  • Step S214 after each health notification is completed, the recorded execution process data is back to the insured to facilitate the insured's secondary health notification; if the insured chooses to perform the secondary health notification, it returns to perform the above step S206; If the second health notification is not performed, step S216 is executed to store the health notification result.
  • Step S216 Store the health notification result corresponding to the health notification application initiated by the insurance applicant.
  • the health notification details corresponding to the health notification application are generated, and the insurance policy for health insurance purchased by the insured may be further generated on the basis of the health notification details.
  • the generated policy carries the health Inform details and outsourced underwriting information
  • the information verification method provided in this application in the process of underwriting the health notification to the insured, from the perspective of the insured easy to understand, based on the disease selected by the insurer in the disease database required for health notification, Determine and execute the health notification path corresponding to the disease in the health notification interaction logic, and determine the health notification result according to the health notification input of the insured during the execution process, and implement intelligent health notification processing in a systematic and concise manner,
  • This provides a more convenient way to implement health notifications in the underwriting process, and at the same time improves the efficiency and effectiveness of online underwriting and underwriting.
  • An example of an information verification device provided by this application is as follows:
  • FIG. 3 shows a schematic diagram of an embodiment of an information verification device provided by the present application.
  • This application provides an information verification device, including:
  • the information-to-be-checked selection unit 302 is configured to obtain the information to be checked selected in the verification information database required for information verification;
  • the information notification path determination unit 304 is configured to determine the information notification path corresponding to the information to be checked in the information notification interaction logic
  • the information notification path execution unit 306 is configured to execute the information notification path and receive the information notification input during execution of the information notification path;
  • the verification result determination unit 308 is configured to determine the execution result of the information notification path based on the information notification input as the verification result of the information verification.
  • the information verification includes: health notification;
  • the verification information database includes: a disease database
  • the information to be checked includes: diseases in the disease library;
  • the information notification interaction logic includes: health notification interaction logic;
  • the information notification path in the information notification interaction logic includes: a health notification path in the health notification interaction logic;
  • the information notification input includes: health notification input;
  • the verification result of the information verification includes: the health notification result of the health notification.
  • the information verification device includes:
  • the disease selection unit is configured to obtain the disease selected in the disease library required for health notification
  • the health notification path determination unit is configured to determine the corresponding health notification path of the disease in the health notification interaction logic
  • a health notification path execution unit configured to execute the health notification path and receive health notification input during execution of the health notification path
  • the health notification result determination unit is configured to determine the execution result of the health notification path based on the health notification input as the health notification result of the health notification.
  • the information verification device further includes:
  • the health notification application receiving unit is configured to receive the health notification application
  • the health notification detail generating unit is configured to generate health notification details corresponding to the health notification application according to the health notification result.
  • the information verification device further includes:
  • An execution process data recording unit configured to record execution process data generated during execution of the health notification path; the execution process data includes the health notification path and the health notification input;
  • the secondary health notification initiating unit is configured to initiate a secondary health notification based on the execution process data.
  • the secondary health notification initiating unit is specifically configured to obtain notification confirmation for the secondary health notification and execute the disease selection unit.
  • the disease library required for health notification is constructed in the following manner:
  • the disease library is constructed based on the disease data and the hierarchical structure relationship.
  • the health notification interaction logic is constructed in the following manner:
  • the health notification interaction logic is constructed.
  • the health notification path in the health notification interaction logic is executed in a question-answer interaction mode, and the notification questions and notification answers included in the health notification path have a corresponding relationship;
  • the notification questions included in the health notification path are determined based on the mapping order, and the notification answers included in the health notification path are determined based on the health notification input.
  • the notification questions included in the health notification path and corresponding notification answers are determined based on the notification answer model
  • the notification answer model is constructed in the following manner:
  • the underwriting condition in the underwriting data corresponding to the disease in the disease library constructs the institute The description tells the answer model.
  • the notification question and the corresponding notification answer are implemented in at least one of the following ways to implement notification interaction with the insured:
  • Text-based question answering interaction voice-based question answering interaction, voice image question answering interaction and video-based question answering interaction.
  • the health notification interaction logic has a unique correspondence with the policyholder
  • the health notification path determination unit includes:
  • a health characteristic data obtaining subunit configured to obtain health characteristic data of the insured
  • the personalized health notification interaction logic determination subunit is configured to determine the personalized health notification interaction logic corresponding to the policyholder according to the health characteristics data of the policyholder;
  • the health notification path determination subunit is configured to determine a health notification interaction path of the disease in the personalized health notification interaction logic as a health notification path corresponding to the disease.
  • the personalized health notification interaction logic determining subunit includes:
  • the matching subunit is configured to match the health characteristic data of the insured with the pre-configured reference health notification interaction logic
  • the extraction subunit is configured to extract the sub-interaction logic matching the health characteristic data among the reference health notification interaction logics as the personalized health notification interaction logic corresponding to the policyholder.
  • FIG. 4 is a block diagram showing the structure of a computing device 400 according to an embodiment of the present specification.
  • the components of the computing device 400 include but are not limited to the memory 410 and the processor 420.
  • the processor 420 and the memory 410 are connected through a bus 430, and the database 450 is used to store data.
  • the computing device 400 also includes an access device 440 that enables the computing device 400 to communicate via one or more networks 460.
  • networks include a public switched telephone network (PSTN), a local area network (LAN), a wide area network (WAN), a personal area network (PAN), or a combination of communication networks such as the Internet.
  • the access device 440 may include one or more of any type of network interface (eg, network interface card (NIC)), wired or wireless, such as an IEEE 802.11 wireless local area network (WLAN) wireless interface, global microwave interconnection access ( Wi-MAX) interface, Ethernet interface, Universal Serial Bus (USB) interface, cellular network interface, Bluetooth interface, near field communication (NFC) interface, etc.
  • NIC network interface card
  • FIG. 4 the structural block diagram of the computing device shown in FIG. 4 is for illustrative purposes only, and is not intended to limit the scope of this specification. Those skilled in the art can add or replace other components as needed.
  • the computing device 400 may be any type of stationary or mobile computing device, including a mobile computer or mobile computing device (eg, tablet computer, personal digital assistant, laptop computer, notebook computer, netbook, etc.), mobile phone (eg, smartphone ), a wearable computing device (eg, smart watch, smart glasses, etc.) or other types of mobile devices, or a stationary computing device such as a desktop computer or PC.
  • the computing device 400 may also be a mobile or stationary server.
  • the present application provides a computing device, including a memory 410, a processor 420, and computer instructions stored on the memory and executable on the processor.
  • the processor 410 is used to execute the following computer-executable instructions:
  • the execution result of the information notification path is determined based on the information notification input as a verification result of the information verification.
  • the information verification includes: health notification;
  • the verification information database includes: a disease database
  • the information to be checked includes: diseases in the disease library;
  • the information notification interaction logic includes: health notification interaction logic;
  • the information notification path in the information notification interaction logic includes: a health notification path in the health notification interaction logic;
  • the information notification input includes: health notification input;
  • the verification result of the information verification includes: the health notification result of the health notification.
  • the information verification method includes:
  • the execution result of the health notification path is determined based on the health notification input as the health notification result of the health notification.
  • the processor 410 is further configured to execute the following computer-executable instruction:
  • the processor 410 is further configured to execute the following computer-executable instructions:
  • the health notification details corresponding to the health notification application are generated according to the health notification result.
  • the processor 410 is further configured to execute the following computer executable instructions:
  • execution process data generated during execution of the health notification path;
  • the execution process data includes the health notification path and the health notification input;
  • the second health notification is initiated based on the execution process data.
  • the initiating the second health notification based on the execution process data includes:
  • the disease library required for health notification is constructed in the following manner:
  • the disease library is constructed based on the disease data and the hierarchical structure relationship.
  • the health notification interaction logic is constructed in the following manner:
  • the health notification interaction logic is constructed.
  • the health notification path in the health notification interaction logic is executed in a question-answer interaction mode, and the notification questions and notification answers included in the health notification path have a corresponding relationship;
  • the notification questions included in the health notification path are determined based on the mapping order, and the notification answers included in the health notification path are determined based on the health notification input.
  • the notification questions included in the health notification path and corresponding notification answers are determined based on the notification answer model
  • the notification answer model is constructed in the following manner:
  • the underwriting condition in the underwriting data corresponding to the disease in the disease library constructs the institute The description tells the answer model.
  • the notification question and the corresponding notification answer are implemented in at least one of the following ways to implement notification interaction with the insured:
  • Text-based question answering interaction voice-based question answering interaction, voice image question answering interaction and video-based question answering interaction.
  • the health notification interaction logic has a unique correspondence with the policyholder
  • the determining the health notification path corresponding to the disease in the health notification interaction logic includes:
  • the health notification interaction path of the disease in the personalized health notification interaction logic is determined as the health notification path corresponding to the disease.
  • the determining personalized health notification interaction logic corresponding to the insured according to the health characteristic data of the insured includes:
  • the sub-interaction logic matching the health characteristic data among the reference health notification interaction logics is extracted as the personalized health notification interaction logic corresponding to the policyholder.
  • An embodiment of the present application further provides a computer-readable storage medium, which stores computer instructions, which are used by the processor to:
  • the execution result of the information notification path is determined based on the information notification input as a verification result of the information verification.
  • the information verification includes: health notification;
  • the verification information database includes: a disease database
  • the information to be checked includes: diseases in the disease library;
  • the information notification interaction logic includes: health notification interaction logic;
  • the information notification path in the information notification interaction logic includes: a health notification path in the health notification interaction logic;
  • the information notification input includes: health notification input;
  • the verification result of the information verification includes: the health notification result of the health notification.
  • the information verification method includes:
  • the execution result of the health notification path is determined based on the health notification input as the health notification result of the health notification.
  • the obtaining before performing the step of selecting a disease in a disease library required for health notification, the obtaining includes:
  • the step of determining the execution result of the health notification path based on the health notification input, as the health notification result step of the health notification includes:
  • the health notification details corresponding to the health notification application are generated according to the health notification result.
  • the health notification path Before performing the health notification result step as the health notification, it includes:
  • execution process data generated during execution of the health notification path;
  • the execution process data includes the health notification path and the health notification input;
  • the second health notification is initiated based on the execution process data.
  • the initiating the second health notification based on the execution process data includes:
  • the disease library required for health notification is constructed in the following manner:
  • the disease library is constructed based on the disease data and the hierarchical structure relationship.
  • the health notification interaction logic is constructed in the following manner:
  • the health notification interaction logic is constructed.
  • the health notification path in the health notification interaction logic is executed in a question-answer interaction mode, and the notification questions and notification answers included in the health notification path have a corresponding relationship;
  • the notification questions included in the health notification path are determined based on the mapping order, and the notification answers included in the health notification path are determined based on the health notification input.
  • the notification questions included in the health notification path and corresponding notification answers are determined based on the notification answer model
  • the notification answer model is constructed in the following manner:
  • the underwriting condition in the underwriting data corresponding to the disease in the disease library constructs the institute The description tells the answer model.
  • the notification question and the corresponding notification answer are implemented in at least one of the following ways to implement notification interaction with the insured:
  • Text-based question answering interaction voice-based question answering interaction, voice image question answering interaction and video-based question answering interaction.
  • the health notification interaction logic has a unique correspondence with the policyholder
  • the determining the health notification path corresponding to the disease in the health notification interaction logic includes:
  • the health notification interaction path of the disease in the personalized health notification interaction logic is determined as the health notification path corresponding to the disease.
  • the determining personalized health notification interaction logic corresponding to the insured according to the health characteristic data of the insured includes:
  • the sub-interaction logic matching the health characteristic data among the reference health notification interaction logics is extracted as the personalized health notification interaction logic corresponding to the policyholder.
  • the computer instructions include computer program code, and the computer program code may be in a source code form, an object code form, an executable file, or some intermediate form.
  • the computer-readable medium may include: any entity or device capable of carrying the computer program code, a recording medium, a USB flash drive, a mobile hard disk, a magnetic disk, an optical disk, a computer memory, a read-only memory (ROM, Read-Only Memory) , Random Access Memory (RAM, Random Access Memory), electrical carrier signals, telecommunications signals and software distribution media, etc. It should be noted that the content contained in the computer-readable medium can be appropriately increased or decreased according to the requirements of legislation and patent practice in jurisdictions. For example, in some jurisdictions, according to legislation and patent practice, computer-readable media Does not include electrical carrier signals and telecommunications signals.

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Abstract

一种信息核查方法以及装置，其中，所述信息核查方法包括：获取在信息核查所需核查信息库中选择的待核查信息（S102）；确定所述待核查信息在信息告知交互逻辑中对应的信息告知路径（S104）；执行所述信息告知路径，以及接收所述信息告知路径执行过程中的信息告知输入（S106）；基于所述信息告知输入确定所述信息告知路径的执行结果，作为所述信息核查的核查结果（S108）。该方法通过系统、简洁的方式实现智能化的信息核查处理，从而提供更加便捷的信息核查实现方式，同时提升了信息核查的效率以及信息核查的有效性。

Description

信息核查方法以及装置 技术领域
本申请涉及数据处理技术领域，特别涉及一种信息核查方法。本申请同时涉及一种信息核查装置，一种计算设备，以及一种计算机可读存储介质。
背景技术
随着互联网技术的飞速发展，保险的销售、售后、理赔等常规业务都可以比较方便地在线操作，同时，随着用户对自身健康的关注程度越来越高，重疾、人寿等健康险种越来越受到用户的青睐，投保人在线上购买重疾险、人寿险等健康险种的过程中，需由保险公司在接收投保人的投保申请时，要求对投保人健康状况的确认说明，即健康告知，保险公司一旦承保，健康告知内容将成为保险合同的一个组成部分。
目前，互联网保险投保过程中的健康告知环节，通常是由保险公司提供健康告知文本、投保人结合自身情况依据文本内容对健康告知进行确认，投保人如果对健康告知内容不理解，或者无法判断自身情况是否属于健康告知的告知范围时，通常会出现电话咨询、放弃投保或者直接投保等情况，因此，在一定程度上，如实告知不仅仅存在告知意愿层面的问题，还存在告知能力层面的问题。
发明内容
有鉴于此，本申请实施例提供了一种信息核查方法，以解决现有技术中存在的技术缺陷。本申请实施例同时提供了一种信息核查装置，一种计算设备，以及一种计算机可读存储介质。
本申请实施例公开了一种信息核查方法，包括：
获取在信息核查所需核查信息库中选择的待核查信息；
确定所述待核查信息在信息告知交互逻辑中对应的信息告知路径；
执行所述信息告知路径，以及接收所述信息告知路径执行过程中的信息告知输入；
基于所述信息告知输入确定所述信息告知路径的执行结果，作为所述信息核查的核查结果。
可选的，所述信息核查包括：健康告知；
所述核查信息库包括：疾病库；
所述待核查信息包括：所述疾病库中的疾病；
所述信息告知交互逻辑包括：健康告知交互逻辑；
所述信息告知交互逻辑中的信息告知路径包括：所述健康告知交互逻辑中的健康告知路径；
所述信息告知输入包括：健康告知输入；
所述信息核查的核查结果包括：所述健康告知的健康告知结果。
可选的，所述信息核查方法包括：
获取在健康告知所需疾病库中选择的疾病；
确定所述疾病在健康告知交互逻辑中对应的健康告知路径；
执行所述健康告知路径，以及接收所述健康告知路径执行过程中的健康告知输入；
基于所述健康告知输入确定所述健康告知路径的执行结果，作为所述健康告知的健康告知结果。
可选的，所述获取在健康告知所需疾病库中选择的疾病步骤执行之前，包括：
接收健康告知申请；
相应的，所述基于所述健康告知输入确定所述健康告知路径的执行结果，作为所述健康告知的健康告知结果步骤执行之后，包括：
根据所述健康告知结果生成所述健康告知申请对应的健康告知详情。
可选的，所述执行所述健康告知路径，以及接收所述健康告知路径执行过程中的健康告知输入步骤执行之后，且所述基于所述健康告知输入确定所述健康告知路径的执行结果，作为所述健康告知的健康告知结果步骤执行之前，包括：
记录所述健康告知路径执行过程中生成的执行过程数据；所述执行过程数据包含所述健康告知路径和所述健康告知输入；
基于所述执行过程数据发起二次健康告知。
可选的，所述基于所述执行过程数据发起二次健康告知，包括：
获取针对所述二次健康告知的告知确认，并执行所述获取在健康告知所需疾病库中选择的疾病步骤。
可选的，所述健康告知所需疾病库，采用下述方式构建：
根据所述健康告知涉及的健康告知数据以及历史健康特征数据生成疾病数据；
确定所述疾病数据对应疾病之间的层级结构关系；
基于所述疾病数据和所述层级结构关系构建所述疾病库。
可选的，所述健康告知交互逻辑，采用如下方式构建：
确定与所述疾病库中疾病相关的健康告知数据、健康特征数据以及承保数据；
建立所述疾病库中疾病与所述健康告知数据、所述健康特征数据以及所述承保数据之间的映射关系和/或层级关系；
基于所述映射关系和/或所述层级关系，构建所述健康告知交互逻辑。
可选的，所述健康告知交互逻辑中健康告知路径，采用问答交互方式执行，且所述健康告知路径包含的告知问题和告知回答具有对应关系；
其中，所述健康告知路径包含的告知问题基于所述映射顺序确定，所述健康告知路径包含的告知回答基于健康告知输入确定。
可选的，所述健康告知路径包含的告知问题及其对应的告知回答，基于告知回答模型确定；
其中，所述告知回答模型采用如下方式进行构建：
根据所述疾病库中疾病的医学定义标准、所述疾病库中疾病对应的所述承保数据中的承保条件、所述健康特征数据、以及所述承保条件与健康告知结果的映射关系，构建所述告知回答模型。
可选的，所述健康告知交互逻辑中健康告知路径的执行过程中，所述告知问题及其对应的告知回答，采用下述至少一种方式实现与投保人的告知交互：
基于文字的问答交互、基于语音的问答交互、基于语音图像问答交互和基于视频的问答交互。
可选的，所述健康告知交互逻辑，与投保人具有唯一对应关系；
所述确定所述疾病在健康告知交互逻辑中对应的健康告知路径，包括：
获取所述投保人的健康特征数据；
根据所述投保人的健康特征数据确定所述投保人对应的个性化健康告知交互逻辑；
确定所述疾病在所述个性化健康告知交互逻辑中的健康告知交互路径，作为所述疾病对应的健康告知路径。
可选的，所述根据所述投保人的健康特征数据确定所述投保人对应的个性化健康告知交互逻辑，包括：
将所述投保人的健康特征数据与预先配置的基准健康告知交互逻辑进行匹配；
提取所述基准健康告知交互逻辑当中与所述健康特征数据匹配的子交互逻辑，作为所述投保人对应的个性化健康告知交互逻辑。
本申请提供一种信息核查装置，包括：
待核查信息选择单元，被配置为获取在信息核查所需核查信息库中选择的待核查信息；
信息告知路径确定单元，被配置为确定所述待核查信息在信息告知交互逻辑中对应的信息告知路径；
信息告知路径执行单元，被配置为执行所述信息告知路径，以及接收所述信息告知路径执行过程中的信息告知输入；
核查结果确定单元，被配置为基于所述信息告知输入确定所述信息告知路径的执行结果，作为所述信息核查的核查结果。
本申请提供一种计算设备，包括：
存储器和处理器；
所述存储器用于存储计算机可执行指令，所述处理器用于执行所述计算机可执行指令：
获取在信息核查所需核查信息库中选择的待核查信息；
确定所述待核查信息在信息告知交互逻辑中对应的信息告知路径；
执行所述信息告知路径，以及接收所述信息告知路径执行过程中的信息告知输入；
基于所述信息告知输入确定所述信息告知路径的执行结果，作为所述信息核查的核查结果。
本申请还提供一种计算机可读存储介质，其存储有计算机指令，该指令被处理器执行时实现权利要求上述信息核查方法的步骤。
与现有技术相比，本申请具有如下优点：
本申请提供一种信息核查方法，包括：获取在信息核查所需核查信息库中选择的待核查信息；确定所述待核查信息在信息告知交互逻辑中对应的信息告知路径；执行所述信息告知路径，以及接收所述信息告知路径执行过程中的信息告知输入；基于所述信息告知输入确定所述信息告知路径的执行结果，作为所述信息核查的核查结果。
本申请提供的信息核查方法，在信息核查过程中从易于理解的角度出发，基于核查信息库中选择的待核查信息，确定所述待核查信息在信息告知交互逻辑中对应的信息告知路径并执行，同时根据执行过程中的信息告知输入来确定核查结果，通过系统、简洁的方式实现智能化的信息核查处理，从而提供更加便捷的信息核查实现方式，同时提升了信息核查的效率以及信息核查的有效性。
附图说明
图1是本申请实施例提供的一种信息核查方法处理流程图；
图2是本申请实施例提供的一种健康告知过程的处理流程图；
图3是本申请实施例提供的一种信息核查装置的示意图；
图4是本申请实施例提供的一种计算设备的结构框图。
具体实施方式
在下面的描述中阐述了很多具体细节以便于充分理解本申请。但是本申请能够以很多不同于在此描述的其它方式来实施，本领域技术人员可以在不违背本申请内涵的情况下做类似推广，因此本申请不受下面公开的具体实施的限制。
在本说明书一个或多个实施例中使用的术语是仅仅出于描述特定实施例的目的，而非旨在限制本说明书一个或多个实施例。在本说明书一个或多个实施例和所附权利要求书中所使用的单数形式的“一种”、“所述”和“该”也旨在包括多数形式，除非上下文清楚地表示其他含义。还应当理解，本说明书一个或多个实施例中使用的术语“和/或”是指并包含一个或多个相关联的列出项目的任何或所有可能组合。
应当理解，尽管在本说明书一个或多个实施例中可能采用术语第一、第二等来描述各种信息，但这些信息不应限于这些术语。这些术语仅用来将同一类型的信息彼此区分开。例如，在不脱离本说明书一个或多个实施例范围的情况下，第一也可以被称为第二，类似地，第二也可以被称为第一。取决于语境，如在此所使用的词语“如果”可以被解释成为“在……时”或“当……时”或“响应于确定”。
本申请提供一种信息核查方法，本申请还提供一种信息核查装置，一种计算设备，以及一种计算机可读存储介质。以下分别结合本申请提供的实施例的附图逐一进行详细说明，并且对方法的各个步骤进行说明。
本申请提供的一种信息核查方法实施例如下：
参照附图1，其示出了本实施例提供的一种信息核查方法处理流程图，参照附图2，其示出了本申请实施例提供的一种健康告知过程的处理流程图。
步骤S102，获取在信息核查所需核查信息库中选择的待核查信息。
本申请实施例所述信息核查，包括在互助共济项目中，对申请参与互助共济项目的参与者进行信息核查，如果参与者在信息核查环节的核查结果为核查通过，则允许该参与者参与到互助共济项目中。所述互助共济项目包括保险，比如重疾险、医疗险、护理险以及意外伤害险等健康险种。相应的，参与所述互助共济项目过程中进行的信息核查，包括健康险的投保人在参与购险的过程中进行的健康告知。
本申请实施例以投保人参与购买健康险过程中的健康告知为例，对本申请实施例提供的信息核查方法进行说明。
优选的，所述信息核查所需核查信息库包括健康告知所需的疾病库，所述核查信息库中的待核查信息包括健康告知所需疾病库中的疾病。相应的，下述涉及的信息告知交互逻辑包括健康告知交互逻辑，所述信息告知交互逻辑中的信息告知路径包括所述健康告知交互逻辑中的健康告知路径，所述信息告知路径执行过程中接收到的信息告知输入包括所述健康告知路径执行过程中接收到的健康告知输入，所述信息核查的核查结果包括所述健康告知的健康告知结果。
线上购买重疾险、医疗险、护理险以及意外伤害险等健康险种的过程中，保险公司需在核保环节对投保人的健康状况进行确认告知，投保人完成健康告知的确认后，若核保成功通过，则由保险公司进行承保，投保人健康告知的内容将成为健康险保单的一个组成部分；可见，作为健康险保单的重要组成部分，健康告知成为核保环节的重中之 重。
本申请提供的信息核查方法，在核保环节向投保人健康告知的过程中，从易于用户(投保人)理解的角度出发，并且在确保投保人隐私的前提下，以疾病、症状及常见医学定义来解构健康告知内容，便于投保人依据自身健康情况进行告知，当投保人提供健康特征数据或授权采集健康特征数据后，通过系统、简洁的方式实现智能化的健康告知处理，从而在核保环节提供更加便捷的健康告知实现方式，同时提升了在线核保、承保的效率及有效性。
本申请实施例提供的一种优选实施方式中，进行健康告知的前提是用户(即投保人)在购险之后发起健康告知申请，具体是指在接收投保人的健康告知申请之后，进入健康告知环节。
具体实施时，所述投保人的健康告知申请，可以是投保人为本人购险发起的健康告知申请，还可以是投保人为他购险时发起的健康告知申请，比如投保人为家人购买健康险时发起的健康告知申请；相应的，如果投保人是为本人购险发起的健康告知申请，则进行健康告知是基于投保人自身的健康状况进行；如果投保人是为他人购险发起的健康告知申请，则进行健康告知是也基于他人的健康状况进行。
在健康告知过程中，首先获取投保人在健康告知所需疾病库中选择的疾病，其中，所述健康告知所需疾病库，包含投保人所购买的健康险涉及的所有疾病相关数据的集合，具体在健康告知过程中，需要由投保人结合所述疾病库，明确投保人在购险时的健康状况，从而来清晰的划分投保人在购险之前和购险之后的健康责权。
优选的，所述健康告知所需疾病库，采用下述方式构建：
1)根据所述健康告知涉及的健康告知数据以及历史健康特征数据生成疾病数据；所述历史健康特征数据可以是反应历史购险用户群健康状况的健康特征数据。
2)确定所述疾病数据对应疾病之间的层级结构关系；
3)基于所述疾病数据和所述层级结构关系构建所述疾病库。
例如，以健康险当中的重疾险为例，首先需要明确重疾险保障范围内的疾病种类，包括恶性肿瘤、急性心肌梗塞、脑中风后遗症、重大器官移植术等等，并结合用户群的健康特征数据，确定各个疾病种类包含的疾病并梳理疾病内容；进一步，梳理出疾病种类与疾病的从属关系，以及疾病与疾病内容的对应关系；最后，根据重疾险保障范围内的疾病种类、各疾病种类包含的疾病、疾病的疾病内容、疾病种类与疾病的从属关系以 及疾病与疾病内容的对应关系，构建结构化的疾病数据库。
步骤S104，确定所述待核查信息在信息告知交互逻辑中对应的信息告知路径。
本申请实施例所述健康告知交互逻辑，是指健康告知过程中与投保人进行告知交互的底层逻辑，所述疾病库中的疾病在健康告知交互逻辑中存在相应的健康告知交路径，投保人选择疾病库中的疾病会触发健康告知交互逻辑中对应的健康告知交路径。
下述结合一个实际例子对健康告知交互逻辑和健康告知交路径进行说明：
针对核保所需的疾病库中疾病分类A，与疾病分类A下的疾病A1相关的健康告知交互逻辑如下表：
Figure PCTCN2019110656-appb-000001
其中，疾病A1相关的健康告知交互逻辑中，包含多个疾病A1的健康告知路径，下述以两个健康告知路径为例进行说明：
健康告知路径Path 1：疾病分类A下的疾病A1->承保类型“问答”->问题Q1->问题Q1的问题描述“是否存在特殊情况”->投保人否定回答->否定回答处理“承保”；
具体的，投保人选择疾病分类A下的疾病A1时，第一步触发承保类型这一节点，承保类型节点的内容为“问答”，第二步触发问题Q1，向投保人展示问题Q1的问题描述：“是否存在特殊情况”；
投保人在获知问题Q1的问题描述“是否存在特殊情况”之后，会根据问题描述进行确认，即：针对问题Q1的问题描述输入或者选择“是”或者“否”，如果投保人的输入或者选择为“否”，第三步触发问题Q1的否定回答，进行问题Q1的否定回答处 理“承保”，最终，健康告知路径Path 1执行获得的结果为对投保人的投保申请进行承保处理。
健康告知路径Path 2：疾病分类A下的疾病A1->承保类型“问答”->问题Q1->问题Q1的问题描述“是否存在特殊情况”->投保人肯定回答->问题Q2->问题Q2的问题描述“是否存在某种症状”->投保人否定回答->问题Q3->问题Q3的问题描述“特定时间段检查结果”->投保人否定回答->否定回答处理“拒保”；
具体的，投保人选择疾病分类A下的疾病A1时，第一步触发承保类型这一节点，承保类型节点的内容为“问答”，第二步触发问题Q1，向投保人展示问题Q1的问题描述：“是否存在特殊情况”；
投保人在获知问题Q1的问题描述“是否存在特殊情况”之后，会根据问题描述进行确认，即：针对问题Q1的问题描述输入或者选择“是”或者“否”，如果投保人的输入或者选择为“是”，第四步触发问题Q2，向投保人展示问题Q2的问题描述：“是否存在某种症状”；
投保人在获知问题Q2的问题描述“是否存在某种症状”之后，会根据问题描述进行确认，即：针对问题Q2的问题描述输入或者选择“是”或者“否”，如果投保人的输入或者选择为“否”，第五步触发问题Q3，向投保人展示问题Q3的问题描述：“特定时间段检查结果”；
投保人在获知问题Q3的问题描述“特定时间段检查结果”之后，会根据问题描述进行确认，即：针对问题Q3的问题描述输入或者选择“是”或者“否”，如果投保人的输入或者选择为“否”，则进行问题Q3的否定回答处理“拒保”，可见，健康告知路径Path 2执行获得的结果为对投保人的投保申请进行拒保处理。
本申请实施例提供的一种优选实施方式中，所述健康告知交互逻辑，采用如下方式构建：
1)确定与所述疾病库中疾病相关的健康告知数据、健康特征数据以及承保数据；
2)建立所述疾病库中疾病与所述健康告知数据、所述健康特征数据以及所述承保数据之间的映射关系和层级关系；
沿用上例，确定疾病分类A与疾病A1的从属关系(层级关系的一种)，疾病A1的承保类型(承保数据的一种)和健康告知结果(承保数据的一种)，疾病A1需要投保人告知的问题Q1、问题Q2和问题Q3(健康告知数据)，问题Q1、问题Q2和问题 Q3之间的执行顺序(层级关系的一种)，以及上述几者之间的映射关系以及具体的映射顺序。
此外，还包括疾病分类A下疾病A1与投保人的健康特征数据之间的映射关系以及具体的映射顺序，比如疾病A1不存在性别限制，也不存在年龄限制。
3)基于所述映射关系和所述层级关系，构建所述健康告知交互逻辑。
参见上述提供健康告知交互逻辑举例。
除此之外，在构建所述健康告知交互逻辑时，还可以在确定与所述疾病库中疾病相关的健康告知数据、健康特征数据以及承保数据的基础上，建立所述疾病库中疾病与所述健康告知数据、所述健康特征数据以及所述承保数据之间的映射关系，基于建立的映射关系来构建所述健康告知交互逻辑；或者，建立所述疾病库中疾病与所述健康告知数据、所述健康特征数据以及所述承保数据之间的层级关系，基于建立的层级关系构建所述健康告知交互逻辑。
优选的，所述健康告知交互逻辑中的健康告知路径，采用问答交互方式执行，且所述健康告知路径包含的告知问题和告知回答具有对应关系；其中，所述健康告知路径包含的告知问题基于所述映射顺序确定，所述健康告知路径包含的告知回答基于健康告知输入确定。
本申请实施例提供的一种优选实施方式中，所述健康告知路径包含的告知问题及其对应的告知回答，基于告知回答模型确定；具体的，所述告知回答模型采用如下方式进行构建：
根据所述疾病库中疾病的医学定义标准、所述疾病库中疾病对应的所述承保数据中的承保条件、所述健康特征数据、以及所述承保条件与健康告知结果的映射关系，构建所述告知回答模型。
例如，疾病库中新增了一种疾病，需要将该新增疾病加入健康告知交互逻辑中，加入过程中需要该新增疾病的问答数据，如：该新增疾病是否存在例外情况、症状相关数据以及治疗相关数据，则可通过将该新增疾病是否存在例外情况、症状相关数据以及治疗相关数据，以及与该新增疾病相关承保数据中的承保条件、投保人的健康特征数据等所需数据输入告知回答模型，经告知回答模型对输入的数据进行分析处理后，输出该新增疾病的问答数据。通过告知回答模型的方式来生成疾病的问答数据，能有效的降低人为参与的时间成本和人力成本，同时也能提高处理效率。
本申请实施例中，所述健康告知交互逻辑中健康告知路径的执行过程中，所述告知问题及其对应的告知回答，基于文字的问答交互方式实现。
除此之外，所述告知问题及其对应的告知回答，还可以采用其他能够实现与投保人实现告知交互的方式实现，比如基于语音的问答交互方式、基于语音图像问答交互方式或者基于视频的问答交互方式实现，本实施例对此不做限定。
上述提供的优选实施方式中，所有投保人均采用同一健康告知交互逻辑进行健康告知的交互处理，除此之外，还可针对每个投保人生成个性化的健康告知交互逻辑，基于个性化的健康告知交互逻辑，在核保环节实现“千人千面”的健康告知，从而向投保人提供更加方便和有效的健康告知。
本申请实施例提供的一种优选实施方式中，所述健康告知交互逻辑与投保人具有唯一对应关系；基于此，上述确定所述疾病在健康告知交互逻辑中对应的健康告知路径，具体包括：获取投保人的健康特征数据，然后，根据所述投保人的健康特征数据确定投保人对应的个性化健康告知交互逻辑，最后，确定所述疾病在所述个性化健康告知交互逻辑中的健康告知交互路径，作为所述疾病对应的健康告知路径。
优选的，所述根据所述投保人的健康特征数据确定投保人对应的个性化健康告知交互逻辑，具体通过将所述投保人的健康特征数据与预先配置的基准健康告知交互逻辑进行匹配，并提取所述基准健康告知交互逻辑当中与所述健康特征数据匹配的子交互逻辑，作为投保人对应的个性化健康告知交互逻辑。
比如投保人为男性用户，只需提取基准健康告知交互逻辑中男性相关的交互逻辑即可，再比如投保人为20岁值30岁这一年龄段的投保人，则只需提取基准健康告知交互逻辑中该年龄段常见疾病的交互逻辑即可。
步骤S106，执行所述信息告知路径，以及接收所述信息告知路径执行过程中的信息告知输入。
上述步骤确定投保人选择的疾病在健康告知交互逻辑中对应的健康告知路径，本步骤执行所述健康告知路径，并接收所述健康告知路径执行过程中所述投保人的健康告知输入。
本申请实施例提供的一种优选实施方式中，执行所述健康告知路径并接收所述健康告知路径执行过程中所述投保人的健康告知输入之后，记录所述健康告知路径执行过程中生成的执行过程数据；所述执行过程数据包含所述健康告知路径和所述健康告知输 入，并基于所述执行过程数据向投保人发起二次健康告知。
优选的，向投保人发起二次健康告知之后，如果获取到投保人针对所述二次健康告知的告知确认，则重复执行健康告知的过程，即返回上述步骤S102，从执行上述步骤S102开始，重复执行健康告知的过程。
步骤S108，基于所述信息告知输入确定所述信息告知路径的执行结果，作为所述信息核查的核查结果。
上述步骤执行所述健康告知路径并接收所述健康告知路径执行过程中所述投保人的健康告知输入，本步骤基于所述投保人在健康告知过程中针对所述健康告知路径的健康告知输入，确定所述健康告知路径的执行结果，并将所述健康告知路径的执行结果作为所述健康告知的健康告知结果。
具体的，针对投保人发起的健康告知申请进行健康告知的健康告知结果具体有三种：可承保、责外承保和拒保。具体的，若健康告知结果为拒保，则发出相应拒保提醒即可；若所述健康告知结果为可承保，生成所述健康告知申请对应的健康告知详情，还可在健康告知详情的基础上进一步生成投保人购买健康险的保单，生成的保单携带有所述健康告知详情和承保信息；若所述健康告知结果为责外承保，生成所述健康告知申请对应的健康告知详情，同样可在健康告知详情的基础上进一步生成投保人购买健康险的保单，生成的保单携带有所述健康告知详情和责外承保信息。
下述结合附图2提供的健康告知过程，对本申请提供的信息核查方法进行进一步说明：
步骤S202，接收投保人的健康告知申请，并确定该健康告知申请是投保人为本人购险发起的健康告知申请，还是投保人为家人购险时发起的健康告知申请。
步骤S204，进入健康告知处理，如果投保人是为本人购险发起的健康告知申请，则进行健康告知是基于投保人自身的健康状况进行；如果投保人是为他人购险发起的健康告知申请，则进行健康告知是也基于他人的健康状况进行。
步骤S206，确定投保人在健康告知所需疾病库中选择的疾病分类A下的疾病A1。
步骤S208，确定疾病分类A下的疾病A1健康告知交互逻辑中对应的健康告知路径。
(参见上述步骤S104对健康告知路径的描述)
步骤S210，执行疾病A1在健康告知交互逻辑中对应的健康告知路径。
步骤S212，记录疾病A1对应的健康告知路径执行过程中生成的执行过程数据。
步骤S214，每次健康告知完成后，将记录的执行过程数据回溯给投保人，以便投保人二次健康告知；如果投保人选择进行二次健康告知，则返回执行上述步骤S206；如果投保人选择不进行二次健康告知，则执行步骤S216，存储健康告知结果。
步骤S216，存储上述投保人发起的健康告知申请对应的健康告知结果。
步骤S218，若所述健康告知结果为可承保，生成所述健康告知申请对应的健康告知详情，还可在健康告知详情的基础上进一步生成投保人购买健康险的保单，生成的保单携带有所述健康告知详情和承保信息；
若所述健康告知结果为责外承保，生成所述健康告知申请对应的健康告知详情，同样可在健康告知详情的基础上进一步生成投保人购买健康险的保单，生成的保单携带有所述健康告知详情和责外承保信息；
若健康告知结果为拒保，则发出相应拒保提醒即可。
综上所述，本申请提供的信息核查方法，在核保环节向投保人健康告知的过程中，从易于投保人理解的角度出发，基于投保人在健康告知所需疾病库中选择的疾病，确定所述疾病在健康告知交互逻辑中对应的健康告知路径并执行，同时根据在执行过程中投保人的健康告知输入来确定健康告知结果，通过系统、简洁的方式实现智能化的健康告知处理，从而在核保环节提供更加便捷的健康告知实现方式，同时提升了在线核保、承保的效率及有效性。
本申请提供的一种信息核查装置实施例如下：
在上述的实施例中，提供了一种信息核查方法，与之相对应的，本申请还提供了一种信息核查装置，下面结合附图进行说明。
参照附图3，其示出了本申请提供的一种信息核查装置实施例的示意图。
由于装置实施例基本相似于方法实施例，所以描述得比较简单，相关的部分请参见上述提供的方法实施例的对应说明即可。下述描述的装置实施例仅仅是示意性的。
本申请提供一种信息核查装置，包括：
待核查信息选择单元302，被配置为获取在信息核查所需核查信息库中选择的待核查信息；
信息告知路径确定单元304，被配置为确定所述待核查信息在信息告知交互逻辑中对应的信息告知路径；
信息告知路径执行单元306，被配置为执行所述信息告知路径，以及接收所述信息告知路径执行过程中的信息告知输入；
核查结果确定单元308，被配置为基于所述信息告知输入确定所述信息告知路径的执行结果，作为所述信息核查的核查结果。
可选的，所述信息核查包括：健康告知；
所述核查信息库包括：疾病库；
所述待核查信息包括：所述疾病库中的疾病；
所述信息告知交互逻辑包括：健康告知交互逻辑；
所述信息告知交互逻辑中的信息告知路径包括：所述健康告知交互逻辑中的健康告知路径；
所述信息告知输入包括：健康告知输入；
所述信息核查的核查结果包括：所述健康告知的健康告知结果。
可选的，所述信息核查装置包括：
疾病选择单元，被配置为获取在健康告知所需疾病库中选择的疾病；
健康告知路径确定单元，被配置为确定所述疾病在健康告知交互逻辑中对应的健康告知路径；
健康告知路径执行单元，被配置为执行所述健康告知路径，以及接收所述健康告知路径执行过程中的健康告知输入；
健康告知结果确定单元，被配置为基于所述健康告知输入确定所述健康告知路径的执行结果，作为所述健康告知的健康告知结果。
可选的，所述信息核查装置，还包括：
健康告知申请接收单元，被配置为接收健康告知申请；
健康告知详情生成单元，被配置为根据所述健康告知结果生成所述健康告知申请对应的健康告知详情。
可选的，所述信息核查装置，还包括：
执行过程数据记录单元，被配置为记录所述健康告知路径执行过程中生成的执行过程数据；所述执行过程数据包含所述健康告知路径和所述健康告知输入；
二次健康告知发起单元，被配置为基于所述执行过程数据发起二次健康告知。
可选的，所述二次健康告知发起单元，具体用于获取针对所述二次健康告知的告知确认，并执行所述疾病选择单元。
可选的，所述健康告知所需疾病库，采用下述方式构建：
根据所述健康告知涉及的健康告知数据以及历史健康特征数据生成疾病数据；
确定所述疾病数据对应疾病之间的层级结构关系；
基于所述疾病数据和所述层级结构关系构建所述疾病库。
可选的，所述健康告知交互逻辑，采用如下方式构建：
确定与所述疾病库中疾病相关的健康告知数据、健康特征数据以及承保数据；
建立所述疾病库中疾病与所述健康告知数据、所述健康特征数据以及所述承保数据之间的映射关系和/或层级关系；
基于所述映射关系和/或所述层级关系，构建所述健康告知交互逻辑。
可选的，所述健康告知交互逻辑中健康告知路径，采用问答交互方式执行，且所述健康告知路径包含的告知问题和告知回答具有对应关系；
其中，所述健康告知路径包含的告知问题基于所述映射顺序确定，所述健康告知路径包含的告知回答基于健康告知输入确定。
可选的，所述健康告知路径包含的告知问题及其对应的告知回答，基于告知回答模型确定；
其中，所述告知回答模型采用如下方式进行构建：
根据所述疾病库中疾病的医学定义标准、所述疾病库中疾病对应的所述承保数据中的承保条件、所述健康特征数据、以及所述承保条件与健康告知结果的映射关系，构建所述告知回答模型。
可选的，所述健康告知交互逻辑中健康告知路径的执行过程中，所述告知问题及其对应的告知回答，采用下述至少一种方式实现与投保人的告知交互：
基于文字的问答交互、基于语音的问答交互、基于语音图像问答交互和基于视频的问答交互。
可选的，所述健康告知交互逻辑，与投保人具有唯一对应关系；
所述健康告知路径确定单元，包括：
健康特征数据获取子单元，被配置为获取所述投保人的健康特征数据；
个性化健康告知交互逻辑确定子单元，被配置为根据所述投保人的健康特征数据确定所述投保人对应的个性化健康告知交互逻辑；
健康告知路径确定子单元，被配置为确定所述疾病在所述个性化健康告知交互逻辑中的健康告知交互路径，作为所述疾病对应的健康告知路径。
可选的，所述个性化健康告知交互逻辑确定子单元，包括：
匹配子单元，被配置为将所述投保人的健康特征数据与预先配置的基准健康告知交互逻辑进行匹配；
提取子单元，被配置为提取所述基准健康告知交互逻辑当中与所述健康特征数据匹配的子交互逻辑，作为所述投保人对应的个性化健康告知交互逻辑。
本申请提供的一种计算设备实施例如下：
图4是示出了根据本说明书一实施例的计算设备400的结构框图。该计算设备400的部件包括但不限于存储器410和处理器420。处理器420与存储器410通过总线430相连接，数据库450用于保存数据。
计算设备400还包括接入设备440，接入设备440使得计算设备400能够经由一个或多个网络460通信。这些网络的示例包括公用交换电话网(PSTN)、局域网(LAN)、广域网(WAN)、个域网(PAN)或诸如因特网的通信网络的组合。接入设备440可以包括有线或无线的任何类型的网络接口(例如，网络接口卡(NIC))中的一个或多个，诸如IEEE802.11无线局域网(WLAN)无线接口、全球微波互联接入(Wi-MAX)接口、以太网接口、通用串行总线(USB)接口、蜂窝网络接口、蓝牙接口、近场通信(NFC)接口，等等。
在本说明书的一个实施例中，计算设备400的上述以及图4中未示出的其他部件也可以彼此相连接，例如通过总线。应当理解，图4所示的计算设备结构框图仅仅是出于示例的目的，而不是对本说明书范围的限制。本领域技术人员可以根据需要，增添或 替换其他部件。
计算设备400可以是任何类型的静止或移动计算设备，包括移动计算机或移动计算设备(例如，平板计算机、个人数字助理、膝上型计算机、笔记本计算机、上网本等)、移动电话(例如，智能手机)、可佩戴的计算设备(例如，智能手表、智能眼镜等)或其他类型的移动设备，或者诸如台式计算机或PC的静止计算设备。计算设备400还可以是移动式或静止式的服务器。
本申请提供一种计算设备，包括存储器410、处理器420及存储在存储器上并可在处理器上运行的计算机指令，所述处理器410用于执行如下计算机可执行指令：
获取在信息核查所需核查信息库中选择的待核查信息；
确定所述待核查信息在信息告知交互逻辑中对应的信息告知路径；
执行所述信息告知路径，以及接收所述信息告知路径执行过程中的信息告知输入；
基于所述信息告知输入确定所述信息告知路径的执行结果，作为所述信息核查的核查结果。
可选的，所述信息核查包括：健康告知；
所述核查信息库包括：疾病库；
所述待核查信息包括：所述疾病库中的疾病；
所述信息告知交互逻辑包括：健康告知交互逻辑；
所述信息告知交互逻辑中的信息告知路径包括：所述健康告知交互逻辑中的健康告知路径；
所述信息告知输入包括：健康告知输入；
所述信息核查的核查结果包括：所述健康告知的健康告知结果。
可选的，所述信息核查方法包括：
获取在健康告知所需疾病库中选择的疾病；
确定所述疾病在健康告知交互逻辑中对应的健康告知路径；
执行所述健康告知路径，以及接收所述健康告知路径执行过程中的健康告知输入；
基于所述健康告知输入确定所述健康告知路径的执行结果，作为所述健康告知的 健康告知结果。
可选的，所述获取在健康告知所需疾病库中选择的疾病指令执行之前，所述处理器410还用于执行如下计算机可执行指令：
接收健康告知申请；
相应的，所述基于所述健康告知输入确定所述健康告知路径的执行结果，作为所述健康告知的健康告知结果指令执行之后，所述处理器410还用于执行如下计算机可执行指令：
根据所述健康告知结果生成所述健康告知申请对应的健康告知详情。
可选的，所述执行所述健康告知路径，以及接收所述健康告知路径执行过程中的健康告知输入指令执行之后，且所述基于所述健康告知输入确定所述健康告知路径的执行结果，作为所述健康告知的健康告知结果指令执行之前，所述处理器410还用于执行如下计算机可执行指令：
记录所述健康告知路径执行过程中生成的执行过程数据；所述执行过程数据包含所述健康告知路径和所述健康告知输入；
基于所述执行过程数据发起二次健康告知。
可选的，所述基于所述执行过程数据发起二次健康告知，包括：
获取针对所述二次健康告知的告知确认，并执行所述获取在健康告知所需疾病库中选择的疾病指令。
可选的，所述健康告知所需疾病库，采用下述方式构建：
根据所述健康告知涉及的健康告知数据以及历史健康特征数据生成疾病数据；
确定所述疾病数据对应疾病之间的层级结构关系；
基于所述疾病数据和所述层级结构关系构建所述疾病库。
可选的，所述健康告知交互逻辑，采用如下方式构建：
确定与所述疾病库中疾病相关的健康告知数据、健康特征数据以及承保数据；
建立所述疾病库中疾病与所述健康告知数据、所述健康特征数据以及所述承保数据之间的映射关系和/或层级关系；
基于所述映射关系和/或所述层级关系，构建所述健康告知交互逻辑。
可选的，所述健康告知交互逻辑中健康告知路径，采用问答交互方式执行，且所述健康告知路径包含的告知问题和告知回答具有对应关系；
其中，所述健康告知路径包含的告知问题基于所述映射顺序确定，所述健康告知路径包含的告知回答基于健康告知输入确定。
可选的，所述健康告知路径包含的告知问题及其对应的告知回答，基于告知回答模型确定；
其中，所述告知回答模型采用如下方式进行构建：
根据所述疾病库中疾病的医学定义标准、所述疾病库中疾病对应的所述承保数据中的承保条件、所述健康特征数据、以及所述承保条件与健康告知结果的映射关系，构建所述告知回答模型。
可选的，所述健康告知交互逻辑中健康告知路径的执行过程中，所述告知问题及其对应的告知回答，采用下述至少一种方式实现与投保人的告知交互：
基于文字的问答交互、基于语音的问答交互、基于语音图像问答交互和基于视频的问答交互。
可选的，所述健康告知交互逻辑，与投保人具有唯一对应关系；
所述确定所述疾病在健康告知交互逻辑中对应的健康告知路径，包括：
获取所述投保人的健康特征数据；
根据所述投保人的健康特征数据确定所述投保人对应的个性化健康告知交互逻辑；
确定所述疾病在所述个性化健康告知交互逻辑中的健康告知交互路径，作为所述疾病对应的健康告知路径。
可选的，所述根据所述投保人的健康特征数据确定所述投保人对应的个性化健康告知交互逻辑，包括：
将所述投保人的健康特征数据与预先配置的基准健康告知交互逻辑进行匹配；
提取所述基准健康告知交互逻辑当中与所述健康特征数据匹配的子交互逻辑，作为所述投保人对应的个性化健康告知交互逻辑。
本申请提供的一种计算机可读存储介质实施例如下：
本申请一实施例还提供一种计算机可读存储介质，其存储有计算机指令，该指令 被处理器执行时以用于：
获取在信息核查所需核查信息库中选择的待核查信息；
确定所述待核查信息在信息告知交互逻辑中对应的信息告知路径；
执行所述信息告知路径，以及接收所述信息告知路径执行过程中的信息告知输入；
基于所述信息告知输入确定所述信息告知路径的执行结果，作为所述信息核查的核查结果。
可选的，所述信息核查包括：健康告知；
所述核查信息库包括：疾病库；
所述待核查信息包括：所述疾病库中的疾病；
所述信息告知交互逻辑包括：健康告知交互逻辑；
所述信息告知交互逻辑中的信息告知路径包括：所述健康告知交互逻辑中的健康告知路径；
所述信息告知输入包括：健康告知输入；
所述信息核查的核查结果包括：所述健康告知的健康告知结果。
可选的，所述信息核查方法包括：
获取在健康告知所需疾病库中选择的疾病；
确定所述疾病在健康告知交互逻辑中对应的健康告知路径；
执行所述健康告知路径，以及接收所述健康告知路径执行过程中的健康告知输入；
基于所述健康告知输入确定所述健康告知路径的执行结果，作为所述健康告知的健康告知结果。
可选的，所述获取在健康告知所需疾病库中选择的疾病步骤执行之前，包括：
接收健康告知申请；
相应的，所述基于所述健康告知输入确定所述健康告知路径的执行结果，作为所述健康告知的健康告知结果步骤执行之后，包括：
根据所述健康告知结果生成所述健康告知申请对应的健康告知详情。
可选的，所述执行所述健康告知路径，以及接收所述健康告知路径执行过程中的 健康告知输入步骤执行之后，且所述基于所述健康告知输入确定所述健康告知路径的执行结果，作为所述健康告知的健康告知结果步骤执行之前，包括：
记录所述健康告知路径执行过程中生成的执行过程数据；所述执行过程数据包含所述健康告知路径和所述健康告知输入；
基于所述执行过程数据发起二次健康告知。
可选的，所述基于所述执行过程数据发起二次健康告知，包括：
获取针对所述二次健康告知的告知确认，并执行所述获取在健康告知所需疾病库中选择的疾病步骤。
可选的，所述健康告知所需疾病库，采用下述方式构建：
根据所述健康告知涉及的健康告知数据以及历史健康特征数据生成疾病数据；
确定所述疾病数据对应疾病之间的层级结构关系；
基于所述疾病数据和所述层级结构关系构建所述疾病库。
可选的，所述健康告知交互逻辑，采用如下方式构建：
确定与所述疾病库中疾病相关的健康告知数据、健康特征数据以及承保数据；
建立所述疾病库中疾病与所述健康告知数据、所述健康特征数据以及所述承保数据之间的映射关系和/或层级关系；
基于所述映射关系和/或所述层级关系，构建所述健康告知交互逻辑。
可选的，所述健康告知交互逻辑中健康告知路径，采用问答交互方式执行，且所述健康告知路径包含的告知问题和告知回答具有对应关系；
其中，所述健康告知路径包含的告知问题基于所述映射顺序确定，所述健康告知路径包含的告知回答基于健康告知输入确定。
可选的，所述健康告知路径包含的告知问题及其对应的告知回答，基于告知回答模型确定；
其中，所述告知回答模型采用如下方式进行构建：
根据所述疾病库中疾病的医学定义标准、所述疾病库中疾病对应的所述承保数据中的承保条件、所述健康特征数据、以及所述承保条件与健康告知结果的映射关系，构建所述告知回答模型。
可选的，所述健康告知交互逻辑中健康告知路径的执行过程中，所述告知问题及其对应的告知回答，采用下述至少一种方式实现与投保人的告知交互：
基于文字的问答交互、基于语音的问答交互、基于语音图像问答交互和基于视频的问答交互。
可选的，所述健康告知交互逻辑，与投保人具有唯一对应关系；
所述确定所述疾病在健康告知交互逻辑中对应的健康告知路径，包括：
获取所述投保人的健康特征数据；
根据所述投保人的健康特征数据确定所述投保人对应的个性化健康告知交互逻辑；
确定所述疾病在所述个性化健康告知交互逻辑中的健康告知交互路径，作为所述疾病对应的健康告知路径。
可选的，所述根据所述投保人的健康特征数据确定所述投保人对应的个性化健康告知交互逻辑，包括：
将所述投保人的健康特征数据与预先配置的基准健康告知交互逻辑进行匹配；
提取所述基准健康告知交互逻辑当中与所述健康特征数据匹配的子交互逻辑，作为所述投保人对应的个性化健康告知交互逻辑。
上述为本实施例的一种计算机可读存储介质的示意性方案。需要说明的是，该存储介质的技术方案与上述的信息核查方法的技术方案属于同一构思，存储介质的技术方案未详细描述的细节内容，均可以参见上述信息核查方法的技术方案的描述。
所述计算机指令包括计算机程序代码，所述计算机程序代码可以为源代码形式、对象代码形式、可执行文件或某些中间形式等。所述计算机可读介质可以包括：能够携带所述计算机程序代码的任何实体或装置、记录介质、U盘、移动硬盘、磁碟、光盘、计算机存储器、只读存储器(ROM，Read-Only Memory)、随机存取存储器(RAM，Random Access Memory)、电载波信号、电信信号以及软件分发介质等。需要说明的是，所述计算机可读介质包含的内容可以根据司法管辖区内立法和专利实践的要求进行适当的增减，例如在某些司法管辖区，根据立法和专利实践，计算机可读介质不包括电载波信号和电信信号。
需要说明的是，对于前述的各方法实施例，为了简便描述，故将其都表述为一系列的动作组合，但是本领域技术人员应该知悉，本申请并不受所描述的动作顺序的限制， 因为依据本申请，某些步骤可以采用其它顺序或者同时进行。其次，本领域技术人员也应该知悉，说明书中所描述的实施例均属于优选实施例，所涉及的动作和模块并不一定都是本申请所必须的。
在上述实施例中，对各个实施例的描述都各有侧重，某个实施例中没有详述的部分，可以参见其它实施例的相关描述。
以上公开的本申请优选实施例只是用于帮助阐述本申请。可选实施例并没有详尽叙述所有的细节，也不限制该发明仅为所述的具体实施方式。显然，根据本说明书的内容，可作很多的修改和变化。本说明书选取并具体描述这些实施例，是为了更好地解释本申请的原理和实际应用，从而使所属技术领域技术人员能很好地理解和利用本申请。本申请仅受权利要求书及其全部范围和等效物的限制。

Claims (16)

  1. 一种信息核查方法，其特征在于，包括：
    获取在信息核查所需核查信息库中选择的待核查信息；
    确定所述待核查信息在信息告知交互逻辑中对应的信息告知路径；
    执行所述信息告知路径，以及接收所述信息告知路径执行过程中的信息告知输入；
    基于所述信息告知输入确定所述信息告知路径的执行结果，作为所述信息核查的核查结果。
  2. 根据权利要求1所述的信息核查方法，其特征在于，所述信息核查包括：健康告知；
    所述核查信息库包括：疾病库；
    所述待核查信息包括：所述疾病库中的疾病；
    所述信息告知交互逻辑包括：健康告知交互逻辑；
    所述信息告知交互逻辑中的信息告知路径包括：所述健康告知交互逻辑中的健康告知路径；
    所述信息告知输入包括：健康告知输入；
    所述信息核查的核查结果包括：所述健康告知的健康告知结果。
  3. 根据权利要求2所述的信息核查方法，其特征在于，所述信息核查方法包括：
    获取在健康告知所需疾病库中选择的疾病；
    确定所述疾病在健康告知交互逻辑中对应的健康告知路径；
    执行所述健康告知路径，以及接收所述健康告知路径执行过程中的健康告知输入；
    基于所述健康告知输入确定所述健康告知路径的执行结果，作为所述健康告知的健康告知结果。
  4. 根据权利要求3所述的信息核查方法，其特征在于，所述获取在健康告知所需疾病库中选择的疾病步骤执行之前，包括：
    接收健康告知申请；
    相应的，所述基于所述健康告知输入确定所述健康告知路径的执行结果，作为所述健康告知的健康告知结果步骤执行之后，包括：
    根据所述健康告知结果生成所述健康告知申请对应的健康告知详情。
  5. 根据权利要求3所述的信息核查方法，其特征在于，所述执行所述健康告知路径，以及接收所述健康告知路径执行过程中的健康告知输入步骤执行之后，且所述基于所述健康告知输入确定所述健康告知路径的执行结果，作为所述健康告知的健康告知结 果步骤执行之前，包括：
    记录所述健康告知路径执行过程中生成的执行过程数据；所述执行过程数据包含所述健康告知路径和所述健康告知输入；
    基于所述执行过程数据发起二次健康告知。
  6. 根据权利要求5所述的信息核查方法，其特征在于，所述基于所述执行过程数据发起二次健康告知，包括：
    获取针对所述二次健康告知的告知确认，并执行所述获取在健康告知所需疾病库中选择的疾病步骤。
  7. 根据权利要求3所述的信息核查方法，其特征在于，所述健康告知所需疾病库，采用下述方式构建：
    根据所述健康告知涉及的健康告知数据以及历史健康特征数据生成疾病数据；
    确定所述疾病数据对应疾病之间的层级结构关系；
    基于所述疾病数据和所述层级结构关系构建所述疾病库。
  8. 根据权利要求7所述的信息核查方法，其特征在于，所述健康告知交互逻辑，采用如下方式构建：
    确定与所述疾病库中疾病相关的健康告知数据、健康特征数据以及承保数据；
    建立所述疾病库中疾病与所述健康告知数据、所述健康特征数据以及所述承保数据之间的映射关系和/或层级关系；
    基于所述映射关系和/或所述层级关系，构建所述健康告知交互逻辑。
  9. 根据权利要求8所述的信息核查方法，其特征在于，所述健康告知交互逻辑中健康告知路径，采用问答交互方式执行，且所述健康告知路径包含的告知问题和告知回答具有对应关系；
    其中，所述健康告知路径包含的告知问题基于所述映射顺序确定，所述健康告知路径包含的告知回答基于健康告知输入确定。
  10. 根据权利要求9所述的信息核查方法，其特征在于，所述健康告知路径包含的告知问题及其对应的告知回答，基于告知回答模型确定；
    其中，所述告知回答模型采用如下方式进行构建：
    根据所述疾病库中疾病的医学定义标准、所述疾病库中疾病对应的所述承保数据中的承保条件、所述健康特征数据、以及所述承保条件与健康告知结果的映射关系，构建所述告知回答模型。
  11. 根据权利要求10所述的信息核查方法，其特征在于，所述健康告知交互逻辑 中健康告知路径的执行过程中，所述告知问题及其对应的告知回答，采用下述至少一种方式实现与投保人的告知交互：
    基于文字的问答交互、基于语音的问答交互、基于语音图像问答交互和基于视频的问答交互。
  12. 根据权利要求3所述的信息核查方法，其特征在于，所述健康告知交互逻辑，与投保人具有唯一对应关系；
    所述确定所述疾病在健康告知交互逻辑中对应的健康告知路径，包括：
    获取所述投保人的健康特征数据；
    根据所述投保人的健康特征数据确定所述投保人对应的个性化健康告知交互逻辑；
    确定所述疾病在所述个性化健康告知交互逻辑中的健康告知交互路径，作为所述疾病对应的健康告知路径。
  13. 根据权利要求12所述的信息核查方法，其特征在于，所述根据所述投保人的健康特征数据确定所述投保人对应的个性化健康告知交互逻辑，包括：
    将所述投保人的健康特征数据与预先配置的基准健康告知交互逻辑进行匹配；
    提取所述基准健康告知交互逻辑当中与所述健康特征数据匹配的子交互逻辑，作为所述投保人对应的个性化健康告知交互逻辑。
  14. 一种信息核查装置，其特征在于，包括：
    待核查信息选择单元，被配置为获取在信息核查所需核查信息库中选择的待核查信息；
    信息告知路径确定单元，被配置为确定所述待核查信息在信息告知交互逻辑中对应的信息告知路径；
    信息告知路径执行单元，被配置为执行所述信息告知路径，以及接收所述信息告知路径执行过程中的信息告知输入；
    核查结果确定单元，被配置为基于所述信息告知输入确定所述信息告知路径的执行结果，作为所述信息核查的核查结果。
  15. 一种计算设备，其特征在于，包括：
    存储器和处理器；
    所述存储器用于存储计算机可执行指令，所述处理器用于执行所述计算机可执行指令：
    获取在信息核查所需核查信息库中选择的待核查信息；
    确定所述待核查信息在信息告知交互逻辑中对应的信息告知路径；
    执行所述信息告知路径，以及接收所述信息告知路径执行过程中的信息告知输入；
    基于所述信息告知输入确定所述信息告知路径的执行结果，作为所述信息核查的核查结果。
  16. 一种计算机可读存储介质，其存储有计算机指令，其特征在于，该指令被处理器执行时实现权利要求1至13任意一项所述方法的步骤。
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CN108665371A (zh) * 2018-03-30 2018-10-16 北京有保无险科技有限公司 一种基于用户的互联网保险系统和方法
CN108734589A (zh) * 2018-03-30 2018-11-02 北京有保无险科技有限公司 一种基于用户的互联网保险用户界面系统
CN108876631A (zh) * 2018-03-30 2018-11-23 北京有保无险科技有限公司 一种互联网保险系统和方法
CN109949165A (zh) * 2018-11-28 2019-06-28 阿里巴巴集团控股有限公司 信息核查方法以及装置

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