CN116151993B - Integrated general insurance flow system and method based on double-check insurance mechanism - Google Patents
Integrated general insurance flow system and method based on double-check insurance mechanism Download PDFInfo
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Abstract
The invention discloses an integrated general insurance flow system based on a double-check insurance mechanism, which comprises an insurance policy generation module, an intelligent check module, a manual check module, an insurance policy management module, an insurance product recommendation module, a multi-insurance integration module and a privacy protection module. The invention also discloses an integrated general insurance flow method based on the double-check insurance mechanism. The invention can integrate different insurance products of different insurance companies and apply insurance claim, thereby improving the uniformity and the standardization of the insurance products; through a double-check insurance mechanism based on intelligent check and manual check, false insurance policies can be effectively screened, and safety in an insurance flow is improved; and privacy protection in the policy is carried out on third party personnel, so that important personal information in the policy can be prevented from being revealed, and various fraud or harassment of clients can be avoided.
Description
Technical Field
The invention relates to the field of insurance, in particular to an integrated general insurance flow system and method based on a double-check insurance mechanism.
Background
The applicant needs to fill out the policy in the application process. The applicant must fill out the insurance policy faithfully, and all the information is filled out completely, which would affect the effectiveness of the insurance contract, preferably to determine the beneficiary and sign in person. Once the policy is accepted by the insurer, it becomes part of the insurance contract and the insurance liability begins. The contents to be filled in on the insurance policy are mainly the name and address of the insured person, and also the insured kinds of risks, the insurance period, the insurance value and amount, the name and deposit place of the insurance mark, the origin of insurance responsibility and the like.
Chinese patent CN108416572B discloses a method for integrating the insurance processes of each insurance company into a general insurance process, where the method has uniformity and standardization of data by inputting standard messages, serving processes and outputting standard messages, so as to greatly improve maintainability, strain and analysis and utilization values.
However, the above system has the following drawbacks when used specifically: in the process of purchasing insurance by customers, an insurance application form is required to be filled in, and is a written form for an applicant to apply for insurance, and the insurance application form is generally adopted in a mode of applying insurance on a per-pen basis. The verification of the policy is usually performed manually, and there is a possibility of negligence, so that assistance by means of machine identification is required. And the current telecom fraud situation happens sometimes, and the information on the policy needs to be further protected, so that the information security of the client is maintained.
For the problems in the related art, no effective solution has been proposed at present.
Disclosure of Invention
Aiming at the problems in the related art, the invention provides an integrated general insurance flow system and method based on a double-check insurance mechanism, so as to overcome the technical problems in the prior art.
For this purpose, the invention adopts the following specific technical scheme:
According to one aspect of the invention, an integrated general insurance flow system based on a double-check insurance mechanism is provided, and the system comprises an insurance policy generation module, an intelligent check module, a manual check module, an insurance policy management module, an insurance product recommendation module, a multi-insurance integration module and a privacy protection module;
The system comprises a policy generation module, a policy generation module and a policy generation module, wherein the policy generation module is used for acquiring personal information and application information of a client, the client selects an insurance company and sends the personal information and the application information to the insurance company, the insurance company generates an application policy according to the personal information and the application information and sends the application policy to a corresponding client, and the client fills in the application policy according to requirements of the application policy;
The intelligent verification module is used for performing preliminary verification in a machine identification mode when verifying the insurance policy;
the manual verification module is used for carrying out secondary verification on the application form in a manual review mode after the application form is subjected to primary verification;
The policy management module is used for helping clients to arrange and store the policy or manage the policy through professional agents;
The insurance product recommending module is used for recommending the automatic insurance product according to the annual income of the client when the client needs to be recommended with the insurance product;
The multi-insurance integration module is used for integrating different insurance products of different insurance companies and sending the integrated message to a client;
the privacy protection module is used for automatically shielding privacy characters in the electronic application form of the client when the electronic application form of the client is displayed on a third party.
Further, in order to perform preliminary verification on the application form in a machine identification mode, further improve verification efficiency and accuracy, the preliminary verification in the machine identification mode further comprises the following steps when the verification of the application form is performed;
Opening the application form, scanning the information of the application form, and obtaining the information on the application form;
labeling in the application information, and labeling corresponding content if any content finds a problem.
Marking the corresponding content, and if the content is an electronic policy, carrying out identity verification and time stamp verification on the electronic policy;
If the paper insurance policy is the paper insurance policy, scanning the paper insurance policy, marking the part with unclear or incomplete characters in the paper insurance policy, verifying the invoice code, the serial number and the sale limiting area in the paper insurance policy, and marking the corresponding position if the verification is incorrect.
Further, in order to manually review the application form, the occurrence of an initial review or a missed review of an incorrect machine is prevented, when the application form is subjected to secondary verification in a manual review mode, the content marked by the machine in the application form is manually reviewed, if the content marked by the machine has no problem, the marking is deleted, and the application form is manually reviewed again, the content of the manual review is the whole content of the application form, and if the content in the final application form has a problem, the application form is judged to be the problem policy.
Further, in order to improve the management capability of the client's policy, the assisting client to sort and save the policy or manage the policy by a professional agent includes the following steps:
the client records the important information of the self insurance policy on the form, if the insurance policy is paper insurance policy, the insurance policy is stored in the folder, if the insurance policy is electronic insurance policy, the electronic insurance policy is printed, and after the electronic insurance policy is printed, the electronic insurance policy and the paper insurance policy are stored in the same folder;
if the patent agent is required to conduct policy management, the agent or insurance agency is selected for generation management.
Further, in order to integrate and apply insurance claims to different insurance products of different insurance companies, the different insurance products of different insurance companies are integrated, and when the integrated message is sent to the client, the integrated message covers different products of all insurance companies, and the client performs claim settlement based on the integrated message.
Further, in order to accurately distinguish the handwritten text from the printed text, when the electronic policy of the client displays a third party, automatically shielding the private text in the policy further comprises the following steps:
OCR optical character recognition is carried out on the electronic application form of the client, binarization processing is carried out on the electronic application form, and denoising and inclination correction are carried out at the same time;
and distinguishing the handwritten characters from the printed characters in the electronic insurance policy, and covering the handwritten characters.
Further, in order to accurately extract the handwritten characters, important personal information in the insurance policy can be prevented from being revealed, and further various fraud or harassment received by clients can be avoided;
the method for extracting the edge feature matrix from the grid field comprises the following steps of:
The character edge of the electronic insurance policy is obtained through binarization processing;
In the statistics of the feature matrix, the initial feature matrix is defined on an electronic policy I of size m×n using offset parameters (Δp, Δq):
Wherein, the points I (p, q) and I (p+Δp, q+Δq) are directly connected points, m and n are the length and width of the electronic insurance policy respectively, and p and q are the horizontal coordinate point and the vertical coordinate point of the electronic insurance policy respectively;
Adopting an initial value C '(0, 0) to perform edge detection and statistics steps to realize normalization processing on an initial feature matrix C' and obtain a final feature matrix C;
the feature matrix C is:
And classifying the handwritten characters and the printed characters in the electronic application list through a DRF classification frame after distinguishing the handwritten characters and the printed characters.
According to another aspect of the present invention, there is provided an integrated universal application flow method based on a double check insurance mechanism, the method comprising the steps of:
S1, acquiring personal information and insurance application information of a client, selecting an insurance company by the client, sending the personal information and the insurance application information to the insurance company, generating an insurance application form by the insurance company according to the personal information and the insurance application information, sending the insurance application form to the corresponding client, and filling the insurance application form by the client according to the requirement of the insurance application form;
s2, performing preliminary verification in a machine identification mode when verifying the application form; after the initial verification of the application form, carrying out secondary verification on the application form in a manual review mode;
s3, helping clients to sort and store the insurance policy or manage the insurance policy through professional agents;
s4, when the customer needs to be recommended to the insurance product, recommending the automatic insurance product according to the annual income of the customer;
s5, integrating different insurance products of different insurance companies, and sending the integrated message to a client;
S6, when the electronic application form of the client is displayed on a third party, the privacy text in the application form is automatically shielded.
The beneficial effects of the invention are as follows: the invention can integrate different insurance products of different insurance companies and apply insurance claim, thereby improving the uniformity and the standardization of the insurance products; through a double-check insurance mechanism based on intelligent check and manual check, false insurance policies can be effectively screened, and safety in an insurance flow is improved; and privacy protection in the policy is carried out on third party personnel, so that important personal information in the policy can be prevented from being revealed, and various fraud or harassment of clients can be avoided.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings that are needed in the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a functional block diagram of an integrated universal application flow system based on a double check insurance mechanism in accordance with an embodiment of the present invention.
In the figure:
1. A policy generation module; 2. an intelligent checking module; 3. a manual checking module; 4. a policy management module; 5. an insurance product recommendation module; 6. a multi-insurance integration module; 7. and a privacy protection module.
Detailed Description
For the purpose of further illustrating the various embodiments, the present invention provides the accompanying drawings, which are a part of the disclosure of the present invention, and which are mainly used to illustrate the embodiments and, together with the description, serve to explain the principles of the embodiments, and with reference to these descriptions, one skilled in the art will recognize other possible implementations and advantages of the present invention, wherein elements are not drawn to scale, and like reference numerals are generally used to designate like elements.
According to the embodiment of the invention, an integrated general application flow system and method based on a double-check insurance mechanism are provided.
The present invention will be further described with reference to the accompanying drawings and detailed description, as shown in fig. 1, according to one aspect of the present invention, there is provided an integrated general insurance flow system based on a double-check insurance mechanism, where the system includes an policy generation module 1, an intelligent check module 2, a manual check module 3, a policy management module 4, an insurance product recommendation module 5, a multi-insurance integration module 6 and a privacy protection module 7;
The insurance policy generation module 1 is used for acquiring personal information and insurance information of a client, and after the client selects an insurance company, the personal information and the insurance information of the client are sent to the insurance company, the insurance company generates an insurance policy according to the personal information and the insurance information of the client, and simultaneously sends the insurance policy to the corresponding client, and the client fills in the insurance policy according to the requirement of the insurance policy;
the intelligent verification module 2 is used for performing preliminary verification in a machine identification mode when performing verification of the insurance policy;
In one embodiment, when checking the policy, performing the preliminary check by means of machine identification further comprises the following steps;
Opening an application form, scanning information of the application form, and obtaining information on the application form;
Labeling is carried out in the application information (namely, the information on the application form), if any part of the application information finds a problem, the corresponding content is labeled, so that the application form is subjected to preliminary auditing in a machine identification mode, and auditing efficiency and accuracy are improved.
In one embodiment, when the corresponding content is marked, if the content is an electronic policy, performing identity verification and timestamp verification on the electronic policy;
if the paper insurance policy is the paper insurance policy, scanning the paper insurance policy, marking the places with unclear or incomplete fonts in the paper insurance policy, verifying invoice codes, serial numbers, limited sales areas and the like in the paper insurance policy, and marking the corresponding positions if the verification is incorrect (if the verification is correct, marking is not performed, and the verification marking conditions of the electronic insurance policy are the same as the paper insurance policy).
The manual verification module 3 is used for carrying out secondary verification on the application form in a manual review mode after the application form is subjected to primary verification;
In one embodiment, when the application form is checked twice by means of manual review, the content marked by the machine in the application form is reviewed manually, if the content marked by the machine has no problem (namely when the machine is marked by mistake), the mark is deleted, and the application form is reviewed manually again, wherein the content of the manual review is the whole content of the application form, and if the content in the final application form has a problem, the application form is judged to be a problem application form, so that the application form can be reviewed manually, and the occurrence of initial review or missed review of the wrong machine is prevented.
The policy management module 4 is used for helping clients to sort and store the policy or manage the policy through professional agents;
in one embodiment, assisting the customer in the organization and storage of the policy or the management of the policy by a professional agent includes the steps of:
The client records the important information of the self insurance policy on the form, if the insurance policy is paper insurance policy, the insurance policy is stored in the folder, if the insurance policy is electronic insurance policy, the electronic insurance policy is printed, and after the electronic insurance policy is printed, the electronic insurance policy and the paper insurance policy are stored in the same folder; important information such as: the applicant, the insurance policy, the product name, the insurance amount, etc. are convenient for later reference.
If the patent agent is required to manage the policy, the agent or the insurance agency is selected to manage the policy instead, so that the management capability of the client on the policy is improved.
An insurance product recommending module 5, configured to, when a customer needs to be recommended an insurance product, recommend an automatic insurance product according to annual income of the customer; when the automatic insurance product recommendation is performed according to the annual income of the customer, the annual income of the customer is obtained, and the insurance product is recommended to the customer based on the cost of 10% -15% of the annual income.
The multi-insurance integration module 6 is used for integrating different insurance products of different insurance companies and sending the integrated message to a client;
In one embodiment, different insurance products of different insurance companies are integrated, and when the integrated message is sent to the client, the integrated message covers different products of all insurance companies, and the client performs claims based on the integrated message, so that different insurance products of different insurance companies are integrated and claims are applied.
The privacy protection module 7 is used for automatically shielding the privacy text in the electronic application form of the client when the electronic application form of the client is displayed on a third party.
In one embodiment, when the electronic application form of the customer is showing a third party, automatically shielding the private text in the application form further comprises the steps of:
OCR optical character recognition is carried out on the electronic application form of the client, binarization processing is carried out on the electronic application form, (the gray value of a pixel point on the electronic application form is set to be 0 or 255, that is, the whole electronic application form presents obvious visual effects of only black and white), and noise removal and inclination correction are simultaneously carried out;
and distinguishing the handwritten characters from the printed characters in the electronic insurance policy, and covering the handwritten characters.
In one embodiment, when distinguishing handwritten characters from printed characters in an electronic application form, dividing the electronic application form into a plurality of grids, and extracting an edge feature matrix from the grid field;
The method for extracting the edge feature matrix from the grid field comprises the following steps of:
The character edge of the electronic insurance policy is obtained through binarization processing; the character edge comprises the stroke direction and the concentration degree, and the handwritten characters and the printed characters have larger differences in the stroke direction and the concentration degree;
In the statistics of the feature matrix, the initial feature matrix is defined on an electronic policy I of size m×n using offset parameters (Δp, Δq):
Wherein, the points I (p, q) and I (p+Δp, q+Δq) are directly connected points, m and n are the length and width of the electronic insurance policy respectively, and p and q are the horizontal coordinate point and the vertical coordinate point of the electronic insurance policy respectively;
Adopting an initial value C '(0, 0) to perform edge detection and statistics steps to realize normalization processing on an initial feature matrix C' and obtain a final feature matrix C;
the feature matrix C is:
in one embodiment, the handwritten text and the printed text in the electronic application form are classified by a DRF classification framework after they are distinguished.
The conditional distribution of the marker value x in the DRF at a given observation value y is:
wherein Z is a normalization factor, S is a set of nodes, N i is the field of node I, A is a unitary potential function, I (x i,yi, y) is a binary potential function, exp is an exponential function with a natural constant e as a base, x i is a marker value of an ith node, y i is an observed value of the y th node, and I is a non-zero natural number. And the adjacent grids are most likely to belong to the same classification, so each grid is regarded as a node of the DRF, and the prediction result of the SVM is used as the input of the DRF, so that the handwritten characters are accurately extracted, important personal information in the insurance policy can be prevented from being revealed, and various fraud or harassment are prevented from being received by clients.
According to another aspect of the present invention, there is provided an integrated universal application flow method based on a double check insurance mechanism, the method comprising the steps of:
S1, acquiring personal information and application information of a client, after the client selects an insurance company, transmitting the personal information and the application information to the insurance company, generating an application form by the insurance company according to the personal information and the application information, and transmitting the application form to a corresponding client, wherein the client fills in the application form according to the requirement of the application form;
s2, performing preliminary verification in a machine identification mode when verifying the application form; after the initial verification of the application form, carrying out secondary verification on the application form in a manual review mode;
s3, helping clients to sort and store the insurance policy or manage the insurance policy through professional agents;
s4, when the customer needs to be recommended to the insurance product, recommending the automatic insurance product according to the annual income of the customer;
s5, integrating different insurance products of different insurance companies, and sending the integrated message to a client;
S6, when the electronic application form of the client is displayed on a third party, the privacy text in the application form is automatically shielded.
In summary, the invention can integrate and apply insurance claims to different insurance products of different insurance companies, and improves the uniformity and the standardization of the insurance products; through a double-check insurance mechanism based on intelligent check and manual check, false insurance policies can be effectively screened, and safety in an insurance flow is improved; and privacy protection in the policy is carried out on third party personnel, so that important personal information in the policy can be prevented from being revealed, and various fraud or harassment of clients can be avoided.
The foregoing description of the preferred embodiments of the invention is not intended to be limiting, but rather is intended to cover all modifications, equivalents, alternatives, and improvements that fall within the spirit and scope of the invention.
Claims (4)
1. The integrated general insurance flow system based on the double-verification insurance mechanism is characterized by comprising an insurance policy generation module, an intelligent verification module, a manual verification module, an insurance policy management module, an insurance product recommendation module, a multi-insurance integration module and a privacy protection module;
The insurance policy generation module is used for acquiring personal information and insurance information of a client, sending the personal information and the insurance information of the client to an insurance company after the client selects the insurance company, generating an insurance policy according to the personal information and the insurance information of the client by the insurance company, sending the insurance policy to a corresponding client, and filling the insurance policy by the client according to the requirement of the insurance policy;
The intelligent verification module is used for performing preliminary verification in a machine identification mode when verifying the insurance policy;
the manual verification module is used for carrying out secondary verification on the application form in a manual review mode after the application form is subjected to primary verification;
The policy management module is used for helping clients to arrange and store the policy or manage the policy through professional agents;
The insurance product recommending module is used for recommending the automatic insurance product according to the annual income of the client when the client needs to be recommended with the insurance product;
The multi-insurance integration module is used for integrating different insurance products of different insurance companies and sending the integrated message to a client;
The privacy protection module is used for automatically shielding privacy characters in the electronic application form of the client when the electronic application form of the client displays a third party;
When the verification of the application form is performed, performing preliminary verification in a machine identification mode further comprises the following steps of;
Opening the application form, scanning the information of the application form, and obtaining the information on the application form;
Labeling in the application information, and if any content in the application information finds a problem, labeling the corresponding content;
marking the corresponding content, and if the content is an electronic policy, carrying out identity verification and time stamp verification on the electronic policy;
If the paper insurance policy is the paper insurance policy, scanning the paper insurance policy, marking the part with unclear or incomplete characters in the paper insurance policy, verifying the invoice code, the serial number and the sale limiting area in the paper insurance policy, and marking the corresponding position if the verification is incorrect;
When the application form is subjected to secondary verification in a manual review mode, manually reviewing the machine marked content in the application form, deleting the marked content if the machine marked content has no problem, and manually checking the application form again, wherein the manually checked content is the whole content of the application form, and judging the application form as a problem application form if the content in the final application form has a problem;
when the electronic application form of the client is displayed on a third party, the method for automatically shielding the privacy text in the application form further comprises the following steps:
OCR optical character recognition is carried out on the electronic application form of the client, binarization processing is carried out on the electronic application form, and denoising and inclination correction are carried out at the same time;
distinguishing the handwritten characters from the printed characters in the electronic insurance policy, and covering the handwritten characters;
when distinguishing the handwritten characters from the printed characters in the electronic application form, dividing the electronic application form into a plurality of grids, and extracting an edge feature matrix from the grid field;
the method for extracting the edge feature matrix from the grid field comprises the following steps of:
The character edge of the electronic insurance policy is obtained through binarization processing;
in the statistics of the feature matrix, offset parameters are used on an electronic policy I of size m x n For the initial feature matrix/>Defining:
；
In the dot Point/>M and n are the length and width of the electronic insurance policy respectively, and p and q are the horizontal coordinate point and the vertical coordinate point of the electronic insurance policy respectively;
Using an initial value Through edge detection and statistics steps, the method realizes the/>, of the initial feature matrixThe normalization processing of the characteristic matrix C is carried out to obtain a final characteristic matrix C;
the feature matrix C is:
；
And classifying the handwritten characters and the printed characters in the electronic application list through a DRF classification frame after distinguishing the handwritten characters and the printed characters.
2. The integrated universal insurance policy system based on double check insurance mechanism according to claim 1, wherein said assisting customers to sort and save the insurance policy or manage the insurance policy by professional agents includes the steps of:
the client records the important information of the self insurance policy on the form, if the insurance policy is paper insurance policy, the insurance policy is stored in the folder, if the insurance policy is electronic insurance policy, the electronic insurance policy is printed, and after the electronic insurance policy is printed, the electronic insurance policy and the paper insurance policy are stored in the same folder;
if the patent agent is required to conduct policy management, the agent or insurance agency is selected for generation management.
3. The system of claim 2, wherein the integrated messages cover different products of all insurance companies when integrating different insurance products of different insurance companies and sending the integrated messages to customers, and the customers make claims based on the integrated messages.
4. An integrated general application and insurance flow method based on a double-check insurance mechanism, applied to the integrated general application and insurance flow system based on the double-check insurance mechanism as set forth in any one of claims 1 to 3, characterized in that the method includes the following steps:
S1, acquiring personal information and application information of a client, after the client selects an insurance company, transmitting the personal information and the application information to the insurance company, generating an application form by the insurance company according to the personal information and the application information, and transmitting the application form to a corresponding client, wherein the client fills in the application form according to the requirement of the application form;
s2, performing preliminary verification in a machine identification mode when verifying the application form; after the initial verification of the application form, carrying out secondary verification on the application form in a manual review mode;
s3, helping clients to sort and store the insurance policy or manage the insurance policy through professional agents;
s4, when the customer needs to be recommended to the insurance product, recommending the automatic insurance product according to the annual income of the customer;
s5, integrating different insurance products of different insurance companies, and sending the integrated message to a client;
S6, when the electronic application form of the client is displayed on a third party, the privacy text in the application form is automatically shielded.
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Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN106326887A (en) * | 2016-08-29 | 2017-01-11 | 东方网力科技股份有限公司 | Method and device for checking optical character recognition result |
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