CN112488852B - Front verification insurance policy verification method and electronic equipment - Google Patents
Front verification insurance policy verification method and electronic equipment Download PDFInfo
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Abstract
One or more embodiments of the present disclosure provide a pre-verification policy verification method and an electronic device, which can implement quick and efficient policy verification and policy verification. The method comprises the following steps: acquiring preliminary identity information of an insuring client and judging attributes; for an individual insurance client, acquiring insurance policy data of the individual insurance client, and performing pre-verification processing on the insurance policy data by adopting an individual pre-verification policy to obtain insurance verification data; for a group insurance client, acquiring an insurance policy data set of the group insurance client, and adopting a group pre-verification strategy to perform pre-verification processing on the insurance policy data set to obtain insurance verification data; and carrying out automatic verification on the application verification data. The electronic device comprises a memory, a processor and a computer program stored in the memory and capable of running on the processor, wherein the processor realizes the pre-verification insurance policy verification method when executing the program.
Description
Technical Field
One or more embodiments of the present disclosure relate to the field of information data processing technologies, and in particular, to a pre-verification policy and protection method and an electronic device.
Background
Along with the continuous development and progress of science and technology and the continuous improvement of living standard of people, the requirements of people on living quality are also continuously improved, the insurance consciousness is also continuously enhanced, and more people can prevent risks by purchasing insurance.
The conventional insurance business generally comprises filling an insurance application form according to the recommendation of a business marketer, submitting the insurance application form, carrying out automatic verification on the insurance application form, and carrying out the process of successful customer insurance application after the verification is passed, if the automatic verification fails, transferring to a manual insurance processing process, processing the insurance application form manually aiming at the reason that the automatic verification fails, and finally giving an insurance conclusion. The time period of the manual verification process is longer, and for reasons of failure of automatic verification, part of the reasons are caused by simple errors such as information filling errors of clients or unsatisfied requirements of part of attribute information, the waiting time of the clients of the whole insurance process in the mode of transferring the simple error easy to correct to the manual verification process is long, even the situation that the insurance process is modified for many times can occur, the complete insurance process needs to be executed each time, the clients are also brought to poor service experience while wasting human resources, and the overall efficiency of insurance service execution process is low.
Disclosure of Invention
In view of this, an objective of one or more embodiments of the present disclosure is to provide an insurance policy verification method with front verification and an electronic device, so as to solve the problems of human resource waste and tedious and time-consuming method flow in the existing insurance policy verification process.
In view of the above objects, one or more embodiments of the present disclosure provide a pre-verification policy protection method, including:
Acquiring preliminary identity information of an insuring client;
performing attribute judgment on the insuring client according to the preliminary identity information;
If the insuring client is an individual insuring client, acquiring insuring list data of the individual insuring client, and performing pre-verification processing on the insuring list data by adopting an individual pre-verification strategy to obtain insuring verification data;
If the insurance client is a group insurance client, acquiring an insurance policy data set of the group insurance client, and adopting a group pre-verification strategy to perform pre-verification processing on the insurance policy data set to obtain insurance verification data;
and carrying out automatic verification on the application verification data.
Optionally, the policy data includes policy basic information, applicant information, insured information, beneficiary information, risk information, salesman information and questionnaire notification information.
Optionally, the policy data set includes a plurality of member policy data corresponding to constituent members of the community client;
the member policy data includes policy basic information, applicant information, insured information, beneficiary information, risk information, salesman information, and questionnaire notification information.
Optionally, the performing pre-verification processing on the policy application data by adopting an individual pre-verification policy includes:
Sending a pre-verification authority request to the insuring client;
Receiving authority feedback information of the insuring client and judging whether the insuring client passes the front verification authority request according to the authority feedback information;
After the insuring client passes the front verification authority request, verifying the accuracy of the insuring list data, and judging whether error data exist in the insuring list data;
If error data exist in the insurance policy data, generating error feedback information according to the error data and sending the error feedback information to the insurance client;
if the application policy data does not have error data, passing the accuracy verification;
after the accuracy verification of the application form data is passed, carrying out risk condition verification on the application form data, and judging whether risk data exists in the application form data;
if the risk data exists in the insurance policy data, generating insurance suggestion information aiming at the risk data and sending the insurance suggestion information to the insurance client;
If the application form data does not have the risk data, the risk condition verification is passed;
and taking the application form data passing through the accuracy verification and the risk condition verification as the application verification data.
Optionally, the verifying the accuracy of the policy data includes:
inquiring corresponding historical insurance records and claim settlement records according to the applicant information, the insured person information and the beneficiary information;
Determining historical identity data according to the historical application record and the claim settlement record;
Matching and comparing the historical identity data with the identity data in the information of the protected person;
if the matching comparison fails, the information of the insured person is wrong;
if the matching comparison is successful, inquiring corresponding diagnosis and treatment records by using a third-party medical institution according to the information of the insured person;
Matching and comparing the diagnosis and treatment record with the questionnaire notification information;
And if the matching comparison fails, indicating that the questionnaire informs of the information error.
Optionally, performing risk condition verification on the policy data includes:
calculating and determining risk insurance amounts of various dangerous seeds according to the insurance applicant information, the insured person information, the beneficiary information and the questionnaire informing information;
Calculating and determining the risk level of the salesman according to the salesman information;
respectively portraying an applicant, a insured person and a salesperson according to the risk insurance and the salesperson risk grades of various dangerous species to obtain portrayed results;
Performing risk checking verification on the portrait result according to an automatic verification rule;
If the risk checking verification is not passed, determining corresponding risk data in the application policy data according to attribute data with risk in the portrait result.
Optionally, adopting a group pre-verification policy to perform pre-verification processing on the policy application data set, including:
performing accuracy verification on the member policy application data in the policy application data set, and judging whether error data exists in the member policy application data;
If the member policy application data has error data, deleting the member policy application data from the policy application data set;
carrying out risk condition verification on the member application form data without data errors, and judging whether the member application form data has risk data or not;
If the member policy data has risk data, deleting the member policy data from the policy data set;
And taking the application policy data set subjected to the accuracy verification and the risk condition verification as the application verification data.
Optionally, the verifying the accuracy of the member policy data in the policy data set includes:
Inquiring corresponding historical insurance application records and claim settlement records according to the applicant information, the insured person information and the beneficiary information in the member insurance policy data;
Determining historical identity data according to the historical application record and the claim settlement record;
Matching and comparing the historical identity data with the identity data in the information of the protected person;
if the matching comparison fails, the information of the insured person is wrong;
if the matching comparison is successful, inquiring corresponding diagnosis and treatment records by using a third-party medical institution according to the information of the insured person;
Matching and comparing the diagnosis and treatment record with the questionnaire notification information;
And if the matching comparison fails, indicating that the questionnaire informs of the information error.
Optionally, performing risk condition verification on the member policy data without data error includes:
Calculating and determining risk insurance amounts of various dangerous types according to the applicant information, the insured person information, the beneficiary information and the questionnaire informing information in the member insurance policy data;
Calculating and determining the risk level of the salesman according to the salesman information;
Respectively portraying the member applicant, the member insured person and the salesperson according to the risk insurance and the salesperson risk level of each dangerous seed to obtain portrayed results;
And carrying out risk checking verification on the portrait result according to an automatic verification rule.
In view of the foregoing, one or more embodiments of the present disclosure provide a pre-verification application-level security electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing the following method when executing the program:
Acquiring preliminary identity information of an insuring client;
performing attribute judgment on the insuring client according to the preliminary identity information;
If the insuring client is an individual insuring client, acquiring insuring list data of the individual insuring client, and performing pre-verification processing on the insuring list data by adopting an individual pre-verification strategy to obtain insuring verification data;
If the insurance client is a group insurance client, acquiring an insurance policy data set of the group insurance client, and adopting a group pre-verification strategy to perform pre-verification processing on the insurance policy data set to obtain insurance verification data;
and carrying out automatic verification on the application verification data.
From the above, it can be seen that, in the pre-verification policy verification method and electronic device provided in the embodiments of the present disclosure, pre-verification is performed before formal automatic policy verification is performed on the policy, so that a problem that a personal policy user may fail formal automatic policy verification is found in advance by adopting an individual pre-verification policy, which is favorable for targeted modification of a client needle, and the probability of passing automatic policy verification can be greatly improved by formally performing automatic policy verification after the pre-verification is passed; and (3) adopting a group pre-verification strategy to carry out pre-verification processing on the application form data set for the group application user, eliminating member data which has problems and possibly affects the formal automatic verification, forming new application form data for application, and greatly improving the one-time passing success rate of the automatic verification. Therefore, the front verification insurance policy and verification method and the electronic device provided by the embodiment of the specification can greatly shorten the insurance policy service flow, reduce the waiting time of clients, improve the policy issuing efficiency and improve the insurance experience of the clients.
Drawings
For a clearer description of one or more embodiments of the present description or of the solutions of the prior art, the drawings that are necessary for the description of the embodiments or of the prior art will be briefly described, it being apparent that the drawings in the description below are only one or more embodiments of the present description, from which other drawings can be obtained, without inventive effort, for a person skilled in the art.
FIG. 1 is a schematic diagram of a pre-verification policy application verification method according to one or more embodiments of the present disclosure;
FIG. 2 is a schematic diagram of a method for performing pre-verification processing on policy data in a pre-verification policy underwriting method according to one or more embodiments of the present disclosure;
FIG. 3 is a schematic diagram of a method for performing pre-verification processing on an application ticket data set in a pre-verification application ticket underwriting method according to one or more embodiments of the present disclosure;
FIG. 4 is a schematic diagram of a pre-verification application verification electronic device according to one or more embodiments of the present disclosure.
Detailed Description
For the purposes of promoting an understanding of the principles and advantages of the disclosure, reference will now be made to the embodiments illustrated in the drawings and specific language will be used to describe the same.
It is noted that unless otherwise defined, technical or scientific terms used in one or more embodiments of the present disclosure should be taken in a general sense as understood by one of ordinary skill in the art to which the present disclosure pertains. The use of the terms "first," "second," and the like in one or more embodiments of the present description does not denote any order, quantity, or importance, but rather the terms "first," "second," and the like are used to distinguish one element from another. The word "comprising" or "comprises", and the like, means that elements or items preceding the word are included in the element or item listed after the word and equivalents thereof, but does not exclude other elements or items. The terms "connected" or "connected," and the like, are not limited to physical or mechanical connections, but may include electrical connections, whether direct or indirect. "upper", "lower", "left", "right", etc. are used merely to indicate relative positional relationships, which may also be changed when the absolute position of the object to be described is changed.
In one aspect, embodiments of the present disclosure provide a pre-verification policy-applying method.
As shown in fig. 1, one or more alternative embodiments of the present disclosure provide a pre-verification policy application protection method, including:
s1: acquiring preliminary identity information of an insuring client;
s2: performing attribute judgment on the insuring client according to the preliminary identity information;
s3: if the insuring client is an individual insuring client, acquiring insuring list data of the individual insuring client, and performing pre-verification processing on the insuring list data by adopting an individual pre-verification strategy to obtain insuring verification data;
s4: if the insurance client is a group insurance client, acquiring an insurance policy data set of the group insurance client, and adopting a group pre-verification strategy to perform pre-verification processing on the insurance policy data set to obtain insurance verification data;
S5: and carrying out automatic verification on the application verification data.
The prepositive verification policy verification method comprises the steps that prepositive verification is carried out before formal automatic verification of the policy is carried out, so that the problem that formal automatic verification is likely to fail is found in advance by adopting individual prepositive verification policies for individual policy users, targeted modification of clients is facilitated, and the probability of passing the automatic verification can be greatly improved after the prepositive verification is passed; and (3) adopting a group pre-verification strategy to carry out pre-verification processing on the application form data set for the group application user, eliminating member data which has problems and possibly affects the formal automatic verification, forming new application form data for application, and greatly improving the one-time passing success rate of the automatic verification. Therefore, the front verification insurance policy and verification method and the electronic device provided by the embodiment of the specification can greatly shorten the insurance policy service flow, reduce the waiting time of clients, improve the policy issuing efficiency and improve the insurance experience of the clients.
In the pre-verification policy-based insurance methods provided in one or more alternative embodiments of the present disclosure, the policy data for a personal insurance client includes policy base information, policy information, insured information, beneficiary information, risk information, salesman information, and questionnaire notification information.
The basic information of the insurance policy comprises basic information such as contract form, total insurance amount, total premium, payment mode, effective date and the like adopted by the insurance policy; the applicant information comprises five-element information, height and weight information and annual income information, the corresponding insured person information also comprises five-element information, height and weight information and annual income information, and the beneficiary information comprises five-element information, wherein the five-element information refers to name, gender, certificate type, certificate number and birth date; the beneficiary information further includes a relationship with the insured person; the dangerous seed information comprises dangerous seed codes, corresponding dangerous seed insurance premium and dangerous seed period, and the salesman information refers to salesman related information for providing service for the personal insurance client, and comprises salesman work numbers and service channel information of salesmen and clients; and the application policy data also comprises questionnaire notification information corresponding to the insured person, including health state information and disease notification information.
In the pre-verification policy applicant verification method provided in one or more alternative embodiments of the present specification, the policy applicant data set for a group policy applicant consists of member policy applicant data corresponding to a plurality of group members, respectively. The member policy data includes policy basic information, applicant information, insured information, beneficiary information, risk information, salesman information, and questionnaire notification information.
The basic information of the insurance policy comprises basic information such as contract form, total insurance amount, total premium, payment mode, effective date and the like adopted by the insurance policy; the applicant information comprises five-element information, height and weight information and annual income information of corresponding applicant members, the insured person information comprises five-element information, height and weight information and annual income information of the insured members corresponding to the insured persons, the beneficiary information comprises five-element information, and the beneficiary information further comprises a relation with the insured person; the dangerous seed information comprises dangerous seed codes, corresponding dangerous seed insurance premium and dangerous seed period, and the salesman information refers to salesman related information for providing service for the group insurance clients, and comprises salesman work numbers and service channel information of salesmen and clients; and the application policy data also comprises questionnaire notification information corresponding to the insured person corresponding to the insurance member, including health state information and disease notification information.
As shown in fig. 2, in the method for pre-checking policy application and protection provided in one or more alternative embodiments of the present disclosure, the performing pre-checking processing on the policy application data by using an individual pre-checking policy includes:
s201: sending a pre-verification authority request to the insuring client;
S202: receiving authority feedback information of the insuring client and judging whether the insuring client passes the front verification authority request according to the authority feedback information;
If the client does not pass the front verification authority request, directly performing formal automatic verification on the application form data of the client under the condition;
s203: after the insuring client passes the front verification authority request, verifying the accuracy of the insuring list data, and judging whether error data exist in the insuring list data;
s204: if error data exist in the insurance policy data, generating error feedback information according to the error data and sending the error feedback information to the insurance client;
in some optional embodiments, corresponding error feedback information is sent to the application client aiming at the error data in the application policy data, so that the application client can be helped to submit the application policy again after targeted modification, and then the pre-verification application policy verification method in the specification is re-executed for verification, so that the problem which is convenient to solve for the error data can be quickly fed back and conveniently solved;
if the application policy data does not have error data, passing the accuracy verification;
S205: after the accuracy verification of the application form data is passed, carrying out risk condition verification on the application form data, and judging whether risk data exists in the application form data;
S206: if the risk data exists in the insurance policy data, generating insurance suggestion information aiming at the risk data and sending the insurance suggestion information to the insurance client;
In some optional embodiments, corresponding suggestion information is sent to the insurance client aiming at the risk data in the insurance policy data, so that the insurance client can be helped to make a decision on options which are not in compliance with conditions in the insurance policy in a targeted manner, risk feedback can be given in advance for the risk data problems, early psychological construction is made for the insurance client, the insurance client has early psychological expectation on the success rate of the insurance policy verification, psychological feeling of the insurance client is fully considered in the manner, and service quality can be improved;
If the application form data does not have the risk data, the risk condition verification is passed;
s207: and taking the application form data passing through the accuracy verification and the risk condition verification as the application verification data.
In the pre-verification policy-based insurance policy verification method, pre-verification processing is performed on the policy data of an individual insurance client before formally performing automatic policy verification on the policy data, and main concerns include accuracy and risk of the data, which are two aspects of frequent problems in the formal automatic policy verification, specifically such as policy payment mode, effective date, benefit relation of the insured, annual income of the insured, benefit relation between beneficiary and the insured, height weight of the insured, smoking and drinking condition of the insured, risk category, risk policy insurance fee, risk insurance period and payment period, salesman information and other problems are all influenced by the automatic policy verification, and by checking error data and risk data in the policy data, feedback of reasons possibly causing failure of the automatic policy verification can be notified to the client in advance, so that the client can perform targeted modification, adjustment, selection and the like according to prompt and combining with the self conditions, and then re-executing the policy-based insurance flow can be greatly improved, the success rate of the policy verification can be greatly improved, the success rate of the policy is greatly, and the time of the policy is greatly improved, and the time of the policy is greatly experienced by the policy is shortened, and the time of the policy is ensured, and the success of the user has better experience is more time is improved.
In the pre-verification policy application verification method provided in one or more optional embodiments of the present disclosure, performing accuracy verification on the policy application data includes:
inquiring corresponding historical insurance records and claim settlement records according to the applicant information, the insured person information and the beneficiary information;
Determining historical identity data according to the historical application record and the claim settlement record;
Matching and comparing the historical identity data with the identity data in the information of the protected person;
if the matching comparison fails, the information of the insured person is wrong;
if the matching comparison is successful, inquiring corresponding diagnosis and treatment records by using a third-party medical institution according to the information of the insured person;
Matching and comparing the diagnosis and treatment record with the questionnaire notification information;
And if the matching comparison fails, indicating that the questionnaire informs of the information error.
In the pre-verification policy applicant verification method provided in one or more optional embodiments of the present disclosure, performing risk condition verification on the policy applicant data includes:
calculating and determining risk insurance amounts of various dangerous seeds according to the insurance applicant information, the insured person information, the beneficiary information and the questionnaire informing information;
Calculating and determining the risk level of the salesman according to the salesman information;
respectively portraying an applicant, a insured person and a salesperson according to the risk insurance and the salesperson risk grades of various dangerous species to obtain portrayed results;
Performing risk checking verification on the portrait result according to an automatic verification rule;
If the risk checking verification is not passed, determining corresponding risk data in the application policy data according to attribute data with risk in the portrait result.
As shown in fig. 3, in the pre-verification policy verification method provided in one or more alternative embodiments of the present disclosure, the performing, by using a corporate pre-verification policy, pre-verification processing on the policy data set includes:
s301: performing accuracy verification on the member policy application data in the policy application data set, and judging whether error data exists in the member policy application data;
S302: if the member policy application data has error data, deleting the member policy application data from the policy application data set;
s303: carrying out risk condition verification on the member application form data without data errors, and judging whether the member application form data has risk data or not;
s304: if the member policy data has risk data, deleting the member policy data from the policy data set;
S305: and taking the application policy data set subjected to the accuracy verification and the risk condition verification as the application verification data.
When the insurance policy of the group insurance client is checked, the service object is a group comprising a plurality of individual members, and the overall insurance success rate and the insurance efficiency of the group are required to be considered more, so that when the pre-verification insurance policy data set is subjected to pre-verification processing in the pre-verification insurance policy checking method, the member insurance policy data in the insurance policy data set of the group insurance client is deleted from the overall data set if a problem occurs, most member insurance policy data which is easier to pass the automatic insurance verification is reserved, and the accuracy and the risk of the data are included in main concerns aiming at the member insurance policy data which is possibly not passed by the automatic insurance verification in the overall data set, and the two aspects such as filling in abnormality of the body weight, exceeding limit of risk of purchased dangerous types and the like, which are frequently problematic in the formal automatic insurance verification, so that the member insurance policy data in the final obtained insurance policy data set can pass the formal insurance policy data set at a very high probability, so that the waiting time of the group insurance policy data can be greatly improved.
In the pre-verification policy applicant verification method provided in one or more optional embodiments of the present disclosure, performing accuracy verification on the member policy applicant data in the policy applicant data set includes:
Inquiring corresponding historical insurance application records and claim settlement records according to the applicant information, the insured person information and the beneficiary information in the member insurance policy data;
Determining historical identity data according to the historical application record and the claim settlement record;
Matching and comparing the historical identity data with the identity data in the information of the protected person;
if the matching comparison fails, the information of the insured person is wrong;
if the matching comparison is successful, inquiring corresponding diagnosis and treatment records by using a third-party medical institution according to the information of the insured person;
Matching and comparing the diagnosis and treatment record with the questionnaire notification information;
And if the matching comparison fails, indicating that the questionnaire informs of the information error.
In the pre-verification policy application verification method provided in one or more optional embodiments of the present disclosure, performing risk condition verification on the member policy application data without data errors includes:
Calculating and determining risk insurance amounts of various dangerous types according to the applicant information, the insured person information, the beneficiary information and the questionnaire informing information in the member insurance policy data;
Calculating and determining the risk level of the salesman according to the salesman information;
Respectively portraying the member applicant, the member insured person and the salesperson according to the risk insurance and the salesperson risk level of each dangerous seed to obtain portrayed results;
And carrying out risk checking verification on the portrait result according to an automatic verification rule.
It should be noted that the methods of one or more embodiments of the present description may be performed by a single device, such as a computer or server. The method of the embodiment can also be applied to a distributed scene, and is completed by mutually matching a plurality of devices. In the case of such a distributed scenario, one of the devices may perform only one or more steps of the methods of one or more embodiments of the present description, the devices interacting with each other to accomplish the methods.
It should be noted that the foregoing describes specific embodiments of the present invention. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.
Corresponding to the method of any embodiment, the embodiment of the specification provides a front verification insurance policy electronic device.
As shown in FIG. 4, one or more alternative embodiments of the present disclosure provide a pre-verification policy application electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing the pre-verification policy application method of any of the embodiments described above when the program is executed by the processor:
Acquiring preliminary identity information of an insuring client;
performing attribute judgment on the insuring client according to the preliminary identity information;
If the insuring client is an individual insuring client, acquiring insuring list data of the individual insuring client, and performing pre-verification processing on the insuring list data by adopting an individual pre-verification strategy to obtain insuring verification data;
If the insurance client is a group insurance client, acquiring an insurance policy data set of the group insurance client, and adopting a group pre-verification strategy to perform pre-verification processing on the insurance policy data set to obtain insurance verification data;
and carrying out automatic verification on the application verification data.
Fig. 4 shows a more specific hardware architecture of an electronic device according to this embodiment, where the device may include: a processor 1010, a memory 1020, an input/output interface 1030, a communication interface 1040, and a bus 1050. Wherein processor 1010, memory 1020, input/output interface 1030, and communication interface 1040 implement communication connections therebetween within the device via a bus 1050.
The processor 1010 may be implemented by a general-purpose CPU (Central Processing Unit ), a microprocessor, an Application SPECIFIC INTEGRATED Circuit (ASIC), or one or more integrated circuits, etc. for executing related programs to implement the technical solutions provided in the embodiments of the present disclosure.
The Memory 1020 may be implemented in the form of ROM (Read Only Memory), RAM (Random Access Memory ), static storage, dynamic storage, etc. Memory 1020 may store an operating system and other application programs, and when the embodiments of the present specification are implemented in software or firmware, the associated program code is stored in memory 1020 and executed by processor 1010.
The input/output interface 1030 is used to connect with an input/output module for inputting and outputting information. The input/output module may be configured as a component in a device (not shown) or may be external to the device to provide corresponding functionality. Wherein the input devices may include a keyboard, mouse, touch screen, microphone, various types of sensors, etc., and the output devices may include a display, speaker, vibrator, indicator lights, etc.
Communication interface 1040 is used to connect communication modules (not shown) to enable communication interactions of the present device with other devices. The communication module may implement communication through a wired manner (such as USB, network cable, etc.), or may implement communication through a wireless manner (such as mobile network, WIFI, bluetooth, etc.).
Bus 1050 includes a path for transferring information between components of the device (e.g., processor 1010, memory 1020, input/output interface 1030, and communication interface 1040).
It should be noted that although the above-described device only shows processor 1010, memory 1020, input/output interface 1030, communication interface 1040, and bus 1050, in an implementation, the device may include other components necessary to achieve proper operation. Furthermore, it will be understood by those skilled in the art that the above-described apparatus may include only the components necessary to implement the embodiments of the present description, and not all the components shown in the drawings.
The electronic device in the foregoing embodiment is configured to implement the corresponding pre-verification policy application in any of the foregoing embodiments, and has the beneficial effects of the corresponding method embodiment, which is not described herein.
Those of ordinary skill in the art will appreciate that: the discussion of any of the embodiments above is merely exemplary and is not intended to suggest that the scope of the disclosure, including the claims, is limited to these examples; combinations of features of the above embodiments or in different embodiments are also possible within the spirit of the present disclosure, steps may be implemented in any order, and there are many other variations of the different aspects of one or more embodiments described above which are not provided in detail for the sake of brevity.
Additionally, well-known power/ground connections to Integrated Circuit (IC) chips and other components may or may not be shown within the provided figures, in order to simplify the illustration and discussion, and so as not to obscure one or more embodiments of the present description. Furthermore, the apparatus may be shown in block diagram form in order to avoid obscuring the one or more embodiments of the present description, and also in view of the fact that specifics with respect to implementation of such block diagram apparatus are highly dependent upon the platform within which the one or more embodiments of the present description are to be implemented (i.e., such specifics should be well within purview of one skilled in the art). Where specific details (e.g., circuits) are set forth in order to describe example embodiments of the disclosure, it should be apparent to one skilled in the art that one or more embodiments of the disclosure can be practiced without, or with variation of, these specific details. Accordingly, the description is to be regarded as illustrative in nature and not as restrictive.
While the present disclosure has been described in conjunction with specific embodiments thereof, many alternatives, modifications, and variations of those embodiments will be apparent to those skilled in the art in light of the foregoing description. For example, other memory architectures (e.g., dynamic RAM (DRAM)) may use the embodiments discussed.
The present disclosure is intended to embrace all such alternatives, modifications and variances which fall within the broad scope of the appended claims. Any omissions, modifications, equivalents, improvements, and the like, which are within the spirit and principles of the one or more embodiments of the disclosure, are therefore intended to be included within the scope of the disclosure.
Claims (9)
1. The utility model provides a pre-verification insurance policy-checking method which is characterized by comprising the following steps:
Acquiring preliminary identity information of an insuring client;
performing attribute judgment on the insuring client according to the preliminary identity information;
If the insuring client is an individual insuring client, acquiring insuring list data of the individual insuring client, and performing pre-verification processing on the insuring list data by adopting an individual pre-verification strategy to obtain insuring verification data;
If the insurance client is a group insurance client, acquiring an insurance policy data set of the group insurance client, and adopting a group pre-verification strategy to perform pre-verification processing on the insurance policy data set to obtain insurance verification data;
performing automatic verification of the insurance verification data;
The step of adopting an individual pre-verification strategy to perform pre-verification processing on the policy application data comprises the following steps:
Sending a pre-verification authority request to the insuring client;
Receiving authority feedback information of the insuring client and judging whether the insuring client passes the front verification authority request according to the authority feedback information;
After the insuring client passes the front verification authority request, verifying the accuracy of the insuring list data, and judging whether error data exist in the insuring list data;
If error data exist in the insurance policy data, generating error feedback information according to the error data and sending the error feedback information to the insurance client;
if the application policy data does not have error data, passing the accuracy verification;
after the accuracy verification of the application form data is passed, carrying out risk condition verification on the application form data, and judging whether risk data exists in the application form data;
if the risk data exists in the insurance policy data, generating insurance suggestion information aiming at the risk data and sending the insurance suggestion information to the insurance client;
If the application form data does not have the risk data, the risk condition verification is passed;
and taking the application form data passing through the accuracy verification and the risk condition verification as the application verification data.
2. The method of claim 1, wherein the policy data includes policy base information, applicant information, insured information, beneficiary information, risk information, salesman information, and questionnaire notification information.
3. The method of claim 1, wherein the policy data set includes a plurality of member policy data corresponding to constituent members of the community's policy client;
the member policy data includes policy basic information, applicant information, insured information, beneficiary information, risk information, salesman information, and questionnaire notification information.
4. The method of claim 2, wherein verifying the policy data comprises:
inquiring corresponding historical insurance records and claim settlement records according to the applicant information, the insured person information and the beneficiary information;
Determining historical identity data according to the historical application record and the claim settlement record;
Matching and comparing the historical identity data with the identity data in the information of the protected person;
if the matching comparison fails, the information of the insured person is wrong;
if the matching comparison is successful, inquiring corresponding diagnosis and treatment records by using a third-party medical institution according to the information of the insured person;
Matching and comparing the diagnosis and treatment record with the questionnaire notification information;
And if the matching comparison fails, indicating that the questionnaire informs of the information error.
5. The method of claim 2, wherein performing risk condition verification on the policy data comprises:
calculating and determining risk insurance amounts of various dangerous seeds according to the insurance applicant information, the insured person information, the beneficiary information and the questionnaire informing information;
Calculating and determining the risk level of the salesman according to the salesman information;
respectively portraying an applicant, a insured person and a salesperson according to the risk insurance and the salesperson risk grades of various dangerous species to obtain portrayed results;
Performing risk checking verification on the portrait result according to an automatic verification rule;
If the risk checking verification is not passed, determining corresponding risk data in the application policy data according to attribute data with risk in the portrait result.
6. A method according to claim 3, wherein pre-checking the policy data set with a community pre-check policy comprises:
performing accuracy verification on the member policy application data in the policy application data set, and judging whether error data exists in the member policy application data;
if the member policy data has error data, deleting the member policy data from the policy set;
carrying out risk condition verification on the member application form data without data errors, and judging whether the member application form data has risk data or not;
If the member policy data has risk data, deleting the member policy data from the policy data set;
And taking the application policy data set subjected to the accuracy verification and the risk condition verification as the application verification data.
7. The method of claim 6, wherein verifying accuracy of the member policy data in the policy data set comprises:
Inquiring corresponding historical insurance application records and claim settlement records according to the applicant information, the insured person information and the beneficiary information in the member insurance policy data;
Determining historical identity data according to the historical application record and the claim settlement record;
Matching and comparing the historical identity data with the identity data in the information of the protected person;
if the matching comparison fails, the information of the insured person is wrong;
if the matching comparison is successful, inquiring corresponding diagnosis and treatment records by using a third-party medical institution according to the information of the insured person;
Matching and comparing the diagnosis and treatment record with the questionnaire notification information;
And if the matching comparison fails, indicating that the questionnaire informs of the information error.
8. The method of claim 6, wherein performing risk condition verification on the member policy data that is free of data errors comprises:
Calculating and determining risk insurance amounts of various dangerous types according to the applicant information, the insured person information, the beneficiary information and the questionnaire informing information in the member insurance policy data;
Calculating and determining the risk level of the salesman according to the salesman information;
Respectively portraying the member applicant, the member insured person and the salesperson according to the risk insurance and the salesperson risk level of each dangerous seed to obtain portrayed results;
And carrying out risk checking verification on the portrait result according to an automatic verification rule.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 8 when the program is executed by the processor.
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