CN108510396B - Method and device for insurance verification, computer equipment and storage medium - Google Patents
Method and device for insurance verification, computer equipment and storage medium Download PDFInfo
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- CN108510396B CN108510396B CN201710488993.5A CN201710488993A CN108510396B CN 108510396 B CN108510396 B CN 108510396B CN 201710488993 A CN201710488993 A CN 201710488993A CN 108510396 B CN108510396 B CN 108510396B
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Abstract
The invention provides a method for insurance verification, which comprises the following steps: receiving an application for application of insurance, and extracting user information carried in the application for insurance; searching a client number corresponding to the user information, wherein the client number is used for uniquely identifying one user; extracting insurance product information corresponding to the insurance application according to the insurance application; determining an application category corresponding to the information of the application product according to the information of the application product; determining a verification range corresponding to the information of the insurable product according to the insurable category; searching a policy corresponding to the client number in the verification range according to the client number; and if the corresponding insurance policy is searched, rejecting the application for insurance application. The method realizes full-automatic verification, saves time and labor and effectively reduces the risk of insuring. In addition, an insurance application verification device, computer equipment and a storage medium are also provided.
Description
Technical Field
The invention relates to the field of computer processing, in particular to a method and a device for insurance application verification, computer equipment and a storage medium.
Background
With the development of insurance business, more and more people begin to apply insurance, in order to prevent malicious personnel from cheating the insurance behavior through malicious insurance application, an insurance company needs to apply insurance verification on the application of insurance of a user, namely, whether the user has the same or similar insurance behavior before is searched, if so, the user belongs to secondary insurance application and refuses the application of insurance.
Disclosure of Invention
Based on this, it is necessary to solve the above problems of time and labor consumption and high underwriting risk, and the present invention provides a method, an apparatus, a computer device and a storage medium for underwriting verification, which can reduce underwriting risk and save time and labor.
A method of underwriting verification, the method comprising: receiving an application for application of insurance, and extracting user information carried in the application for insurance; searching a client number corresponding to the user information, wherein the client number is used for uniquely identifying one user; extracting insurance product information corresponding to the insurance application according to the insurance application; determining an application category corresponding to the information of the application product according to the information of the application product; determining a verification range corresponding to the information of the insurable product according to the insurable category; searching a policy corresponding to the client number in the verification range according to the client number; and if the corresponding insurance policy is searched, rejecting the application for insurance application.
In one embodiment, the determining a verification range corresponding to the information of the insurance product according to the insurance category includes: searching a sales channel, a product type and a product attribute corresponding to the application category; and determining a verification range corresponding to the information of the insurable product according to the sales channel, the product type and the product attribute.
In one embodiment, the determining a verification range corresponding to the information of the insurance product according to the insurance category includes: searching a sales channel, a product type and a product attribute corresponding to the application category; determining a search area corresponding to the application category according to the application category; and determining a verification range corresponding to the information of the insurable product according to the sales channel, the product type, the product attribute and the search area.
In one embodiment, the determining a verification range corresponding to the information of the insured product according to the sales channel, the product type and the product attribute and the search area includes: determining a sales channel corresponding to the search area; and determining a verification range corresponding to the information of the insurable product according to the product type, the product attribute and the sales channel corresponding to the search area.
In one embodiment, the user information includes name, gender, certificate type, certificate number, and date of birth; the searching for the client number corresponding to the user information, where the client number is used to uniquely identify a user, includes: and screening a first result set corresponding to the name according to the user information, screening a second result set corresponding to the gender in the first result set, screening a third result set corresponding to the certificate type and the certificate number in the second result set, and determining the client number corresponding to the birth date in the third result set.
An apparatus for underwriting verification, the apparatus comprising: the first extraction module is used for receiving an application for insurance, and extracting user information carried in the application for insurance; the number searching module is used for searching a client number corresponding to the user information, and the client number is used for uniquely identifying one user; the second extraction module is used for extracting insurance product information corresponding to the insurance application according to the insurance application; the category determining module is used for determining an insurance application category corresponding to the insurance application product information according to the insurance application product information; the range determining module is used for determining a verification range corresponding to the information of the insurable product according to the insurable category; the searching module is used for searching the insurance policy corresponding to the client number in the verification range according to the client number; and the rejection module is used for rejecting the application for insurance application if the corresponding insurance policy is searched.
In one embodiment, the range determining module is further configured to search a sales channel, a product type, and a product attribute corresponding to the insurance application category, and determine a verification range corresponding to the insurance application product information according to the sales channel, the product type, and the product attribute.
In one embodiment, the range determination module comprises: the searching module is used for searching a sales channel, a product type and a product attribute corresponding to the application category; the area determining module is used for determining a search area corresponding to the application category according to the application category; and the verification range determining module is used for determining the verification range corresponding to the information of the insurable product according to the sales channel, the product type, the product attribute and the search area.
In one embodiment, the verification range determining module is further configured to determine a sales channel corresponding to the search area, and determine a verification range corresponding to the information of the insured product according to the product type, the product attribute, and the sales channel corresponding to the search area.
In one embodiment, the user information includes name, gender, certificate type, certificate number, and date of birth; the serial number searching module is further used for screening a first result set corresponding to the name according to the user information, screening a second result set corresponding to the gender in the first result set, screening a third result set corresponding to the certificate type and the certificate number in the second result set, and determining the client serial number corresponding to the birth date in the third result set.
A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the following steps when executing the computer program: receiving an application for application of insurance, and extracting user information carried in the application for insurance; searching a client number corresponding to the user information, wherein the client number is used for uniquely identifying one user; extracting insurance product information corresponding to the insurance application according to the insurance application; determining an application category corresponding to the information of the application product according to the information of the application product; determining a verification range corresponding to the information of the insurable product according to the insurable category; searching a policy corresponding to the client number in the verification range according to the client number; and if the corresponding insurance policy is searched, rejecting the application for insurance application.
A computer readable storage medium having stored thereon computer instructions which, when executed by a processor, perform the steps of: receiving an application for application of insurance, and extracting user information carried in the application for insurance; searching a client number corresponding to the user information, wherein the client number is used for uniquely identifying one user; extracting insurance product information corresponding to the insurance application according to the insurance application; determining an application category corresponding to the information of the application product according to the information of the application product; determining a verification range corresponding to the information of the insurable product according to the insurable category; searching a policy corresponding to the client number in the verification range according to the client number; and if the corresponding insurance policy is searched, rejecting the application for insurance application.
According to the method, the device, the computer equipment and the storage medium for the insurance application verification, the insurance application of the user is received, the user information carried in the insurance application is extracted, the customer number corresponding to the user information is searched, the insurance category corresponding to the insurance product information is determined, the verification range corresponding to the insurance product information is determined according to the insurance category, the insurance policy corresponding to the customer number is searched in the verification range according to the customer number, and if the corresponding insurance policy is searched, the insurance application is rejected. The method realizes full-automatic verification in the whole process, saves time and labor, expands the application and verification range from the original application only for a single product to the application category to which the product belongs, and reduces the risk of subsequent underwriting by expanding the application and verification range.
Drawings
FIG. 1 is a block diagram showing an internal configuration of a computer device according to an embodiment;
FIG. 2 is a flow diagram of a method for underwriting verification in one embodiment;
FIG. 3 is a flow diagram of a method for determining a verification range corresponding to information of an insured product according to the type of the insured product under one embodiment;
FIG. 4 is a flow diagram of a method for determining a verification scope corresponding to information on an insured product according to the type of the insured product in another embodiment;
FIG. 5 is a flow diagram of a method for determining a verification scope corresponding to information about an insured product according to the sales channel, product type and product attributes, and search area, under an embodiment;
FIG. 6 is a block diagram of an apparatus for underwriting verification in one embodiment;
FIG. 7 is a block diagram that illustrates the structure of a range determination module in one embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
Fig. 1 is a schematic diagram of an internal structure of a computer device in one embodiment. The computer device may be a terminal or a server. The terminal may be a personal computer or a mobile electronic device, the mobile electronic device including at least one of a mobile phone, a tablet computer, a personal digital assistant, or a wearable device. The server may be an independent server or a server cluster. Referring to fig. 1, the computer apparatus includes a processor, a nonvolatile storage medium, an internal memory, and a network interface connected through a system bus. Wherein the non-volatile storage medium of the computer device may store an operating system and computer readable instructions that, when executed, may cause the processor to perform a method of insuring a verification. The processor of the computer device is used for providing calculation and control capability and supporting the operation of the whole computer device. The internal memory may have stored therein computer readable instructions that, when executed by the processor, cause the processor to perform a method of insuring a verification. The network interface of the computer device is used for network communication. Those skilled in the art will appreciate that the architecture shown in fig. 1 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
As shown in fig. 2, in an embodiment, a method for insurance verification is provided, which may be applied in a terminal or a server, and specifically includes the following steps:
In this embodiment, an application for insurance refers to an insurance request for an insurance product, where the insurance request includes corresponding information of the insurance product and user information carrying the insurance user, where the user information includes name, gender, certificate type, certificate number, and date of birth. The certificate may be of various types, such as an identity card, a passport, a military officer certificate, and the like, and the user information may be acquired by displaying an interface for receiving user information input through the terminal after receiving the application request, and receiving the user information input by the user through the interface.
And step 204, searching a client number corresponding to the user information, wherein the client number is used for uniquely identifying one user.
In this embodiment, after the user information is obtained, a client number corresponding to the user information needs to be searched according to the user information, where the client number is a unique identifier allocated by an insurance company to an applicant and is used to uniquely identify one user. The client number corresponds to user information, wherein the user information comprises name, gender, certificate type, certificate number and birth date. That is, the customer number corresponds to a plurality of information such as name, certificate type, certificate number and date of birth, i.e. a plurality of conditions need to be satisfied simultaneously when looking up the customer number. In one embodiment, the process of finding the customer number according to the user information may use a circular traversal algorithm, for example, first screen out the data result set Z1 meeting the "name" condition, then traverse the obtained data result set Z2 meeting the "gender" condition in the Z1 set, and then traverse the certificate type and the certificate number in the Z2 set to obtain the data result set Z3 until finding the result set meeting all the conditions, that is, obtaining the customer number of the user. If the customer number of the user is not found, the fact that the customer has not invested the insurance before is shown, and secondary insurance investment does not exist.
And step 206, extracting insurance product information corresponding to the insurance application according to the insurance application.
In this embodiment, since the application for insuring is an application request for a certain product, information on an insurable product corresponding to the application for insuring can be extracted from the application for insuring. The insurance product information comprises the name of the product, the dangerous type attribute of the product, the product number and the like, wherein the dangerous type attribute of the product refers to which dangerous type the product belongs, such as health risk, accident risk and the like, and the product number refers to an identifier uniquely allocated to the product and used for uniquely identifying the product.
And 208, determining the insurance application type corresponding to the insurance application product information according to the insurance application product information.
In this embodiment, since many similar products of insurance products are available, if it is only the conventional way to search whether the user has previously covered the insurance product of the present application, such search result is too limited to control the risk of coverage, so it is necessary to expand the search range to the same category as the insurance product. Further, to more accurately conduct the underwriting verification, the scope of the search should include both the underwrited policy and the policy under underwriting. Specifically, after the information of the insurable product is acquired, the corresponding type of the insurable product is determined according to the information of the insurable product. The application categories to which the application products belong are divided in advance, and the specific division method can adopt a multivariate classification algorithm for classification. For example, insurance products can be classified according to product types and product attributes, wherein the product types are classified into an individual type and a group type, and the product attributes refer to risk types to which the product belongs, such as health risks, accident risks or the like. The product type and the product attribute corresponding to each product are unique, so that the corresponding products can be classified according to the product type and the product attribute. For example, assuming that the product types are divided into 2 types and the risk type is divided into 6 types, different products can be classified into 12 types by permutation and combination. In addition, the insurance company comprises a plurality of sales channels, and the sales channels refer to product sales modes, including various sales modes such as bank sales, salesman sales, online promotion sales and the like. Since the sales channels corresponding to different application categories are often different and the same application category may not correspond to all the sales channels, for example, if there are 6 sales channels, products of a certain application category may only correspond to 2 of the sales channels, in order to increase the speed of subsequent search, after determining the application category according to the product type and the product attribute, the corresponding sales channel and the application category may be correspondingly stored, that is, the application category is correspondingly stored together with the product attribute, the product type and the sales channel, and once the application category is determined, the product attribute, the product type and the sales channel corresponding to the application category are determined.
And step 210, determining a verification range corresponding to the information of the insurable product according to the insurable category.
In this embodiment, a verification range corresponding to information of an insurance product is determined according to an insurance category to which the insurance product belongs, where the insurance category is divided in advance according to multiple factors, for example, if the insurance category is divided in advance according to a product type and a product attribute, a corresponding product type and a corresponding product attribute may be determined according to the insurance category, and then the product type and the product attribute are used as search restriction conditions to determine the corresponding verification range. If the application category is stored in association with the product type, the product attribute and the sales channel in advance, the corresponding sales channel (which may be multiple types), the product type (individual or group) and the product attribute (risk type) can be determined according to the application category, and the sales channel, the product type and the product attribute are used as the search limit conditions, so that the policy corresponding to the customer number is searched under the condition of the limit conditions.
And step 212, searching the insurance policy corresponding to the customer number in the verification range according to the customer number.
In this embodiment, in order to increase the search speed, first, the corresponding verification range is limited according to the application category, so that the policy matching the customer number can be quickly found out according to the customer number within the limited verification range. In one embodiment, the application categories correspond to sales channels, product attributes and product types, and one application category may correspond to multiple sales channels, so when searching according to customer numbers, the sales channels may be screened using a fuzzy matching algorithm, and the product types and product attributes are determined, so screening may be performed using an exact matching algorithm. And searching for a policy corresponding to the customer number within a range limited by the product type, the product attribute and the sales channel according to the customer number. Wherein the policy includes both underwritten policies and underwriting policies.
And step 214, if the corresponding insurance policy is searched, rejecting the application for insurance application.
In this embodiment, if the policy corresponding to the customer number is searched in the limited verification range, it is described that the user has previously performed an application for the same product or the same type of product, and the application for the application belongs to a secondary application, so the application for the application is rejected. Otherwise, if the application is not searched, the application is not a secondary application, and the corresponding application can be accepted. The insurance application is carried out on the insurance application information, so that secondary insurance application behaviors can be effectively prevented, namely malicious insurance application behaviors are effectively prevented, and the risk of subsequent insurance acceptance is greatly reduced.
In this embodiment, an application for insuring of a user is received, user information carried in the application for insuring is extracted, a customer number corresponding to the user information is searched for, an application category corresponding to the information of an application product is determined, a verification range corresponding to the information of the application product is determined according to the application category, a policy corresponding to the customer number is searched for in the verification range according to the customer number, and if the corresponding policy is searched, the application for insuring is rejected. The method realizes full-automatic verification in the whole process, saves time and labor, expands the application and verification range from the original application only for a single product to the application category to which the product belongs, and reduces the risk of subsequent underwriting by expanding the application and verification range.
As shown in FIG. 3, in one embodiment, the step 210 of determining a verification range corresponding to the information of the insured product according to the insured category comprises:
In this embodiment, products are classified in advance, each product corresponds to a corresponding application category, the application categories are classified according to product types, product attributes and corresponding sales channels, the product types refer to groups or individuals, and the product attributes refer to risk types to which the product belongs, such as health risks, accident risks, vehicle risks and the like. The sales channel refers to a sales mode corresponding to the product of the application category, for example, whether the product is sold online or sold by a salesman or other sales modes, wherein one application category can correspond to a plurality of sales channels. The total sale channels are various, each category can only correspond to one or two categories, and the sale channels corresponding to the insurance application categories are arranged, so that the searching speed is improved. For example, in 12 total sales channels, a certain category of products only corresponds to 2 sales channels, and then only needs to search in the 2 sales channels in the subsequent search, thereby avoiding searching in other 10 sales channels and improving the search efficiency.
And step 210B, determining a verification range corresponding to the information of the insurable product according to the sales channel, the product type and the product attribute.
In this embodiment, after the sales channel, the product type, and the product attribute corresponding to the application category are determined, the verification range may be limited according to the sales channel, the product type, and the product attribute. For example, if it is determined that the sales channel only corresponds to online sales and bank sales, the product type is personal, and the product attribute is health risk, the verification range can be limited according to the conditions, so that the corresponding search efficiency can be improved when the subsequent search is performed according to the customer number.
As shown in FIG. 4, in one embodiment, the step 210 of determining a verification range corresponding to the information of the insured product according to the insured category comprises:
And step 210c, determining a verification range corresponding to the information of the insurable product according to the sales channel, the product type, the product attribute and the search area.
In this embodiment, the products that are available for sale in different regions will vary due to the different developments in the regions, and certain types of products will only be available in certain regions, not all regions. So there are different sales areas for different application categories of products. In order to improve the searching speed, after the sales channel, the product type and the product attribute corresponding to the application category are found, the corresponding search area (namely the sales area) is determined according to the application category, and then the sales channel, the product type, the product attribute and the corresponding search area are used as limiting conditions to determine the verification range corresponding to the application product information. For example, some products of the insurance category are only suitable for sale in the first-line city, such as Beijing, Shanghai, Shenzhen, Guangzhou and the like, and then, when searching is carried out according to the client number, the subsequent searching only needs to be carried out in the range of the first-line city without traversing all regions, so that the searching time is greatly saved.
As shown in FIG. 5, in one embodiment, the step 210c of determining a verification range corresponding to the information of the insured product according to the sales channel, the product type and the product attribute and the search area comprises:
In the present embodiment, not all sales channels are adapted to each region due to the difference of each region. Therefore, in order to further improve the subsequent search efficiency, after the search area corresponding to the information of the insurance product is determined according to the insurance category, the sales channels conforming to each search area need to be screened out, and then the verification range corresponding to the information of the insurance product is determined according to the sales channels, the product attributes and the product types corresponding to each search area. For example, assume that there are three search regions corresponding to a certain application category, such as Beijing, Shanghai, Shenzhen. Is suitable for northThe number of the selling channels in the Jing region can be three, the number of the selling channels suitable for the Shanghai region can be four, and the number of the selling channels suitable for the Shenzhen region can be only two, so that during searching, the verification range corresponding to the information of the insurable product can be determined according to the selling channels corresponding to the searching regions and by combining the product attributes and the product types. Specifically, the method can be implemented by adding some constraint conditions on the basis of the original search formula, wherein the original search formula is represented as: g (z, y, h (r) ═ g1,r2,r3) Z represents a customer number, y represents a search area, h (r)1,r2,r3) Indicates the application type, r1Indicates a sales channel r2Indicates the product type, r3Representing the product attributes. The added constraint can be expressed as: m (r)1,y)＞0,m(r2Y) > 0. Wherein the principle of the m function is as follows: greater than 0 if present in the search area. The final search formula can be expressed as: g (z, y, h (r) ═ g1,r2,r3),m(r1,y)＞0,m(r2,y)＞0)。
In one embodiment, the user information includes name, gender, credential type, credential number, and date of birth; the step 204 of finding a client number corresponding to the user information, the client number being used to uniquely identify a user, comprises: and screening a first result set corresponding to the name according to the user information, screening a second result set corresponding to the gender in the first result set, screening a third result set corresponding to the certificate type and the certificate number in the second result set, and determining the client number corresponding to the birth date in the third result set.
In this embodiment, the user information includes name, gender, certificate type, certificate number, and date of birth. And sequentially screening a first result set corresponding to the name through a circular traversal algorithm, searching a second result set corresponding to the gender in the first result set, searching a third result set corresponding to the certificate type and the certificate number in the second result set, and searching a client number corresponding to the birth date in the third result set. That is, the customer number is the name, gender, certificate type, certificate number, andthe five pieces of information of the birth date are in one-to-one correspondence, and one customer number can be uniquely matched according to the five pieces of information. In particular, by z ═ f (x)1,x2,x3,x4,x5) Obtain the customer number, wherein, x1，x2，x3，x4And x5Respectively represents name, gender, certificate type, certificate number and date of birth, and the principle is as follows: first, screen out the surname x1The result set Z1, traversal gender x in Z12And obtaining a data result set Z2, and circularly traversing in the way until all conditions x are found to be met1，x2，x3，x4，x5The result set of (2).
In one embodiment, before the step of determining the sales channel, the product type and the product attribute corresponding to the application category, the method further comprises the following steps: classifying the products according to the sales channels, the product types and the product attributes, determining the insurance application categories corresponding to each product information, and storing the insurance application categories.
In this embodiment, in order to improve the accuracy of the application verification and improve the efficiency of the application verification, first, the products are classified according to the sales channels, the product types and the product attributes, the application category corresponding to each product information is determined, and the determined application category, the sales channels, the product types and the product attributes are stored correspondingly. The sales channels comprise various sales channel modes such as bank sales, salesman sales, online promotion sales and the like, the product types are groups or individuals, and the product attributes refer to dangerous type types. The products with the same product attribute and product type are divided into one type, and in order to facilitate the follow-up improvement of the searching efficiency, the sales channels corresponding to the product attribute and the product type are used as the classification conditions of the insurable products for corresponding storage.
As shown in FIG. 6, in one embodiment, an apparatus for underwriting verification is provided, the apparatus comprising:
a first extraction module 602, configured to receive an application for application, and extract user information carried in the application for application;
a number searching module 604, configured to search a client number corresponding to the user information, where the client number is used to uniquely identify one user;
a second extraction module 606, configured to extract, according to the application for application, information of an application product corresponding to the application for application;
a category determining module 608, configured to determine, according to the information of the insurance product, an insurance category corresponding to the information of the insurance product;
a range determining module 610, configured to determine, according to the application category, a verification range corresponding to the information of the application product;
a searching module 612, configured to search, according to the customer number, a policy corresponding to the customer number in the verification range;
and a rejecting module 614, configured to reject the application for insurance application if the corresponding policy is searched.
In one embodiment, the range determining module 610 is further configured to search a sales channel, a product type, and a product attribute corresponding to the application category, and determine a verification range corresponding to the information of the application product according to the sales channel, the product type, and the product attribute.
As shown in fig. 7, in one embodiment, the range determination module 610 includes:
the searching module 610A is used for searching a sales channel, a product type and a product attribute corresponding to the application category;
the area determination module 610B is configured to determine, according to the application category, a search area corresponding to the application category;
and the verification range determining module 610C is configured to determine a verification range corresponding to the information of the insured product according to the sales channel, the product type, the product attribute and the search area.
In one embodiment, the verification range determining module 610C is further configured to determine a sales channel corresponding to the search area, and determine a verification range corresponding to the information of the insured product according to the product type and the product attribute and the sales channel corresponding to the search area.
In one embodiment, the user information includes name, gender, credential type, credential number, and date of birth; the serial number search module 604 is further configured to screen out a first result set corresponding to a name according to the user information, screen out a second result set corresponding to a gender in the first result set, screen out a third result set corresponding to a certificate type and a certificate number in the second result set, and determine a client serial number corresponding to a birth date in the third result set.
In one embodiment, a computer device is proposed, the computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the following steps when executing the computer program: receiving an application for application of insurance, and extracting user information carried in the application for insurance; searching a client number corresponding to the user information, wherein the client number is used for uniquely identifying one user; extracting insurance product information corresponding to the insurance application according to the insurance application; determining an application category corresponding to the information of the application product according to the information of the application product; determining a verification range corresponding to the information of the insurable product according to the insurable category; searching a policy corresponding to the client number in the verification range according to the client number; and if the corresponding insurance policy is searched, rejecting the application for insurance application.
In one embodiment, the determining, by the processor, a verification range corresponding to the insured product information according to the insured category comprises: searching a sales channel, a product type and a product attribute corresponding to the application category; and determining a verification range corresponding to the information of the insurable product according to the sales channel, the product type and the product attribute.
In one embodiment, the determining, by the processor, a verification range corresponding to the insured product information according to the insured category comprises: searching a sales channel, a product type and a product attribute corresponding to the application category; determining a search area corresponding to the application category according to the application category; and determining a verification range corresponding to the information of the insurable product according to the sales channel, the product type, the product attribute and the search area.
In one embodiment, the determining, by the processor, a verification range corresponding to the information of the insured product according to the sales channel, the product type and the product attribute and the search area includes: determining a sales channel corresponding to the search area; and determining a verification range corresponding to the information of the insurable product according to the product type, the product attribute and the sales channel corresponding to the search area.
In one embodiment, the user information includes name, gender, credential type, credential number, and date of birth; the searching, performed by the processor, for a customer number corresponding to the user information, the customer number being used to uniquely identify a user, comprising: and screening a first result set corresponding to the name according to the user information, screening a second result set corresponding to the gender in the first result set, screening a third result set corresponding to the certificate type and the certificate number in the second result set, and determining the client number corresponding to the birth date in the third result set.
In one embodiment, a computer-readable storage medium is provided having computer instructions stored thereon which, when executed by a processor, perform the steps of: receiving an application for application of insurance, and extracting user information carried in the application for insurance; searching a client number corresponding to the user information, wherein the client number is used for uniquely identifying one user; extracting insurance product information corresponding to the insurance application according to the insurance application; determining an application category corresponding to the information of the application product according to the information of the application product; determining a verification range corresponding to the information of the insurable product according to the insurable category; searching a policy corresponding to the client number in the verification range according to the client number; and if the corresponding insurance policy is searched, rejecting the application for insurance application.
In one embodiment, the determining, by the processor, a verification range corresponding to the insured product information according to the insured category comprises: searching a sales channel, a product type and a product attribute corresponding to the application category; and determining a verification range corresponding to the information of the insurable product according to the sales channel, the product type and the product attribute.
In one embodiment, the determining, by the processor, a verification range corresponding to the insured product information according to the insured category comprises: searching a sales channel, a product type and a product attribute corresponding to the application category; determining a search area corresponding to the application category according to the application category; and determining a verification range corresponding to the information of the insurable product according to the sales channel, the product type, the product attribute and the search area.
In one embodiment, the determining, by the processor, a verification range corresponding to the information of the insured product according to the sales channel, the product type and the product attribute and the search area includes: determining a sales channel corresponding to the search area; and determining a verification range corresponding to the information of the insurable product according to the product type, the product attribute and the sales channel corresponding to the search area.
In one embodiment, the user information includes name, gender, credential type, credential number, and date of birth; the searching, performed by the processor, for a customer number corresponding to the user information, the customer number being used to uniquely identify a user, comprising: and screening a first result set corresponding to the name according to the user information, screening a second result set corresponding to the gender in the first result set, screening a third result set corresponding to the certificate type and the certificate number in the second result set, and determining the client number corresponding to the birth date in the third result set.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a computer-readable storage medium, and can include the processes of the embodiments of the methods described above when the computer program is executed. The storage medium may be a non-volatile storage medium such as a magnetic disk, an optical disk, a Read-Only Memory (ROM), or a Random Access Memory (RAM).
The technical features of the embodiments described above may be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the embodiments described above are not described, but should be considered as being within the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above-mentioned embodiments only express several embodiments of the present invention, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the inventive concept, which falls within the scope of the present invention. Therefore, the protection scope of the present patent shall be subject to the appended claims.
Claims (8)
1. A method of underwriting verification, the method comprising:
receiving an application for application of insurance, and extracting user information carried in the application for insurance;
searching a client number corresponding to the user information, wherein the client number is used for uniquely identifying one user;
extracting insurance product information corresponding to the insurance application according to the insurance application;
determining an application category corresponding to the information of the application product according to the information of the application product; the application categories to which the application products belong are divided in advance, and the division method comprises the steps of adopting a multivariate classification algorithm to classify; classifying insurance products according to product types and product attributes, wherein the product types are divided into individual types and group types, and the product attributes refer to dangerous type types to which the products belong; after determining the insurance application type according to the product type and the product attribute, correspondingly storing the corresponding sale channel and the insurance application type;
determining a verification range corresponding to the information of the insurable product according to the insurable category;
searching a policy corresponding to the client number in the verification range according to the client number;
if the corresponding insurance policy is searched, rejecting the application for insurance application;
wherein, the determining the verification range corresponding to the information of the insurable product according to the insurable category comprises:
searching a sales channel, a product type and a product attribute corresponding to the application category;
determining a search area corresponding to the application category according to the application category;
and determining a verification range corresponding to the information of the insurable product according to the sales channel, the product type, the product attribute and the search area.
2. The method of claim 1, wherein determining a verification range corresponding to the insured product information based on the sales channels, product types and product attributes and search area comprises:
determining a sales channel corresponding to the search area;
and determining a verification range corresponding to the information of the insurable product according to the product type, the product attribute and the sales channel corresponding to the search area.
3. The method of claim 1, wherein the user information includes name, gender, credential type, credential number, and date of birth;
the searching for the client number corresponding to the user information, where the client number is used to uniquely identify a user, includes:
and screening a first result set corresponding to the name according to the user information, screening a second result set corresponding to the gender in the first result set, screening a third result set corresponding to the certificate type and the certificate number in the second result set, and determining the client number corresponding to the birth date in the third result set.
4. An apparatus for underwriting verification, the apparatus comprising:
the first extraction module is used for receiving an application for insurance, and extracting user information carried in the application for insurance;
the number searching module is used for searching a client number corresponding to the user information, and the client number is used for uniquely identifying one user;
the second extraction module is used for extracting insurance product information corresponding to the insurance application according to the insurance application;
the category determining module is used for determining an insurance application category corresponding to the insurance application product information according to the insurance application product information; the application categories to which the application products belong are divided in advance, and the division method comprises the steps of adopting a multivariate classification algorithm to classify; classifying insurance products according to product types and product attributes, wherein the product types are divided into individual types and group types, and the product attributes refer to dangerous type types to which the products belong; after determining the insurance application type according to the product type and the product attribute, correspondingly storing the corresponding sale channel and the insurance application type;
the range determining module is used for determining a verification range corresponding to the information of the insurable product according to the insurable category;
the searching module is used for searching the insurance policy corresponding to the client number in the verification range according to the client number;
the rejection module is used for rejecting the application for insurance application if the corresponding insurance policy is searched;
wherein the range determination module comprises:
the searching module is used for searching a sales channel, a product type and a product attribute corresponding to the application category;
the area determining module is used for determining a search area corresponding to the application category according to the application category;
and the verification range determining module is used for determining the verification range corresponding to the information of the insurable product according to the sales channel, the product type, the product attribute and the search area.
5. The apparatus of claim 4, wherein the verification range determining module is further configured to determine a sales channel corresponding to the search area, and determine the verification range corresponding to the information of the insured product according to the product type and the product attribute and the sales channel corresponding to the search area.
6. The apparatus of claim 4, wherein the user information comprises name, gender, credential type, credential number, and date of birth;
the serial number searching module is further used for screening a first result set corresponding to the name according to the user information, screening a second result set corresponding to the gender in the first result set, screening a third result set corresponding to the certificate type and the certificate number in the second result set, and determining the client serial number corresponding to the birth date in the third result set.
7. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the method of any one of claims 1-3 when executing the computer program.
8. A computer-readable storage medium having stored thereon computer instructions, which when executed by a processor, perform the steps of the method of any one of claims 1 to 3.
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| CN201710488993.5A CN108510396B (en) | 2017-06-23 | 2017-06-23 | Method and device for insurance verification, computer equipment and storage medium |
| PCT/CN2018/086202 WO2018233393A1 (en) | 2017-06-23 | 2018-05-09 | Insurance purchasing verification method, apparatus, computer device and storage medium |
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| CN109359939A (en) * | 2018-09-26 | 2019-02-19 | 中国平安人寿保险股份有限公司 | Business datum method of calibration, device, computer equipment and storage medium |
| CN109658259A (en) * | 2018-11-19 | 2019-04-19 | 平安科技（深圳）有限公司 | Peasant household's listings data processing method, device, computer equipment and storage medium |
| CN111210245B (en) * | 2018-11-21 | 2023-04-18 | 马上消费金融股份有限公司 | Evaluation method and evaluation device for insurance product, intelligent system and storage device |
| CN109712000A (en) * | 2018-11-27 | 2019-05-03 | 平安科技（深圳）有限公司 | Repeat insure method for limiting, device, equipment and readable storage medium storing program for executing |
| CN109903079B (en) * | 2019-01-21 | 2021-07-06 | 中国人民财产保险股份有限公司 | Information processing method, device and storage medium |
| CN112529429B (en) * | 2020-12-16 | 2024-05-14 | 平安科技（深圳）有限公司 | Client information verification method, device, computer equipment and storage medium |
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| CN103810637A (en) * | 2013-12-17 | 2014-05-21 | 深圳市般若计算机***有限公司 | Motor vehicle insurance fraud detecting method and system |
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| US9317684B2 (en) * | 2008-12-23 | 2016-04-19 | Valve Corporation | Protecting against polymorphic cheat codes in a video game |
| CN106649236B (en) * | 2016-12-15 | 2019-05-07 | 平安科技（深圳）有限公司 | Modify the method and device of prompt |
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| CN102713960A (en) * | 2009-08-17 | 2012-10-03 | 大都会人寿保险公司 | Online system and method of insurance underwriting |
| CN103810637A (en) * | 2013-12-17 | 2014-05-21 | 深圳市般若计算机***有限公司 | Motor vehicle insurance fraud detecting method and system |
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