CN118071520A - Data service method and device for business health insurance nuclear insurance claim wind control business scene - Google Patents
Data service method and device for business health insurance nuclear insurance claim wind control business scene Download PDFInfo
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Abstract
The invention provides a data service method and a device for business health insurance nuclear insurance claim wind control business scenes, which belong to the technical field of big health medical data, and the method comprises the following steps: constructing a data service platform, acquiring personal health medical data from a special network of each data source in advance, storing the personal health medical data, and then processing and treating the personal health medical data to construct a business-protection two-core wind control data subject library; the data service platform receives the inquiry request of registered insurance company users, analyzes the information of the participating and protecting users, requests inquiry authorization to the participating and protecting users, inquires personal health medical data of the participating and protecting users from the business-protecting two-core wind control data theme library after the inquiry authorization is confirmed, and calculates the core-protecting core claim risk assessment result of the participating and protecting users by using a pre-built two-core wind control model. The invention simplifies the flow of the nuclear insurance claim, improves the efficiency of the nuclear insurance claim, feeds back only the risk level evaluation result, and ensures the data safety and privacy requirements.
Description
Technical Field
The invention belongs to the technical field of big health medical data, and particularly relates to a data service method and device for business health insurance nuclear insurance claim wind control business scenes.
Background
Currently, in a commercial health insurance scenario, an insurance company has a strong demand for health medical data when performing risk prevention and control services in businesses of insurance and claims. In the conventional insurance and claim checking process, the applicant and the insured person are required to provide health data, case data and the like, so that the user needs to go between the hospital and the insurance company for a plurality of times. In addition, the existing claims and insurance processes are complicated, are manually processed, and have low efficiency, long waiting time and poor user experience. In addition, in the manual processing process, for example, aiming at limited information such as physical examination reports, health notices and the like of users in a nuclear protection link, a nuclear protection worker of an insurance company combines a nuclear protection manual and a nuclear protection experience to make a underwriting decision, so that the requirement on professional quality of the nuclear protection worker is high, and human errors caused by information asymmetry exist.
In summary, the current business health insurance and claim service has the need for health medical data, the current mode is that the insurance applicant and the insured person automatically go to and from the hospital and the insurance company to obtain the health medical data, and the insurance and claim process is manually carried out, so that the whole insurance and claim process has low efficiency.
This is a deficiency of the prior art, and therefore, it is necessary to provide a data service method and apparatus for business health insurance core claim wind control business scenario, aiming at the above-mentioned deficiency in the prior art.
Disclosure of Invention
Aiming at the defects that the prior commercial health insurance and claim service has the demand for health medical data in the prior art, the current mode is that an applicant and a insured person automatically go to and from a hospital and an insurance company to obtain the health medical data, and the whole insurance and claim process is performed manually, and the efficiency of the whole insurance and claim process is low, the invention provides a data service method and a device for commercial health insurance and claim wind control service scenes, so as to solve the technical problems.
In a first aspect, the present invention provides a data service method for a business health insurance nuclear claim wind control business scenario, including the steps of:
S1, a data service platform is built, personal health medical data are collected from a special network of each data source in advance and stored, and then the stored personal health medical data are processed and treated to construct a business-protection two-core wind control data subject library;
S2, the data service platform receives a query request of registered insurance company users, analyzes the information of the participating and protecting users from the query request, and requests query authorization to the participating and protecting users;
S3, after the data service platform receives the inquiry authorization confirmation of the participating and protecting user, inquiring personal health medical data of the participating and protecting user from a business-protecting two-core wind control data theme database;
S4, the data service platform calculates a nuclear protection nuclear claim risk assessment result of the participating user by using a pre-built two-nuclear wind control model according to the personal health medical data of the participating user.
Further, the method also comprises the following steps:
s5, the data service platform is matched with the blockchain platform to charge the personal health medical data use condition of the insurance company.
Further, the specific steps of step S1 are as follows:
S11, determining a data source, and establishing a data service platform and a safe data transmission channel of the data source, wherein the data source comprises a national health information platform and medical institutions;
S12, the data service platform acquires structured personal health medical data through a safe data transmission channel in a database bottom aggregation mode, and acquires unstructured personal health medical data through the safe data transmission channel in an image file aggregation mode;
s13, the data service platform gathers the acquired personal health medical data to a data lake, and identifies sensitive data for encryption and storage;
s14, the data service platform carries out value code conversion on diagnostic words in the structured personal health medical data according to a preset synonym map, and builds mapping from a data source to a target field to complete data management of the structured personal health medical data in the data source;
S15, the data service platform disassembles the original data of the unstructured personal health medical data into medical grouped paragraphs according to preset rules, disassembles the data of each paragraph according to the target variable rules of the requirements in a variable filling, data element merging and value domain normalization mode, and completes data management of the unstructured personal health medical data in the data source;
S16, the data service platform stores the treated target field and the treated target variable into a business protection two-core wind control data subject database. The data service platform aggregates the structured personal health medical data to an MPP database in the data lake and aggregates the unstructured personal health medical data to an object storage database in the data lake.
Further, the specific steps of step S2 are as follows:
s21, after receiving a login request of an insurance company user, the data service platform performs identity authentication of security authentication, and allows the login of the insurance company user after the identity authentication is passed;
S22, the data service platform receives a data query request of an insurance company user, wherein the data query request has authorization information of the insurance company user;
S23, the data service platform identifies the information of the participating and protecting user from the data query request, generates a URL link to be confirmed according to the information of the participating and protecting user, pushes the URL link to be confirmed to the mobile terminal of the participating and protecting user in an H5 interface mode, and waits for the authorization confirmation of the participating and protecting user.
Further, the specific steps of step S3 are as follows:
S31, after the data service platform receives the authorization confirmation of the participating and protecting user to the H5 interface through the mobile terminal, the data service platform starts the personal health medical data inquiry of the participating and protecting user;
S32, the data service platform inquires target fields and standard target variables of personal health medical data of the participating users from the business-insurance two-core wind control data theme library to obtain diagnosis data.
Further, the specific steps of step S4 are as follows:
s41, a data service platform builds a two-core wind control model, and risk grades are pre-divided for various major diseases and various minor diseases in advance according to a security manual of each security company;
S42, carrying out standardized processing of diagnostic codes on the acquired diagnostic data by the data service platform to obtain standard diagnostic codes, and inputting a two-core wind control model;
s43, determining the risk level of the participating user by the two-core wind control model of the data service platform according to the standard diagnosis code to obtain a standardized risk assessment scheme;
s44, judging whether dangerous seeds or products of users of the insurance company have specific requirements by a two-core wind control model of the data service platform;
if not, outputting a standardized risk assessment scheme, returning the standardized risk assessment scheme and the corresponding risk level to the insurance company user, and ending;
If yes, go to step S45;
S45, the two-core wind control model of the data service platform performs personalized adjustment on the standardized risk assessment scheme according to specific requirements to obtain a personalized risk assessment scheme, and returns the personalized risk assessment scheme and the adjusted risk level to the user of the insurance company.
Further, the specific steps of step S5 are as follows:
s51, receiving a registration request of an insurance company user by the blockchain platform, wherein the registration request contains identity verification information;
S52, the blockchain platform generates a unique digital identity for the insurance company user through an encryption algorithm, and stores the digital identity on the blockchain;
S53, recording data use conditions when the data service platform receives a data query request of an insurance company user, and storing the data use conditions on a block chain, wherein the data use conditions comprise data use amount and data use time;
s54, the blockchain platform monitors the data use condition of the insurance company user in the data service platform based on a preset charging rule and an intelligent contract, executes the intelligent contract to deduct the cost from the account of the insurance company user when the charging condition in the charging rule is triggered, and returns the charging process to the data service platform;
s55, the data service platform receives a bill information inquiry request of the insurance company user, and returns the data service condition and the charging detail to the insurance company user;
s56, the blockchain platform receives an audit of the charging process by a third party audit mechanism.
In a second aspect, the present invention provides a data service apparatus for a business health insurance nuclear claim wind control business scenario, comprising:
the data acquisition, aggregation and processing and treatment module is used for acquiring and storing personal health medical data from a special network of each data source in advance, and then processing and treating the stored personal health medical data to construct a business-protection two-core wind control data subject database;
The data inquiry request and inquiry authorization request module is used for receiving inquiry requests of registered insurance company users, analyzing the information of the participating and protecting users from the inquiry requests and requesting inquiry authorization for the participating and protecting users;
the data query module is used for querying personal health medical data of the participating and protecting user from the business-protecting two-core wind control data theme database after receiving the query authorization confirmation of the participating and protecting user;
the wind control calculation module is used for calculating a nuclear protection nuclear claim risk assessment result of the participating user by using a pre-built two-nuclear wind control model according to personal health medical data of the participating user;
And the metering and charging module is used for matching with the blockchain platform to charge the personal health medical data use condition of the insurance company.
In a third aspect, the invention provides an apparatus comprising a processor and a memory;
Wherein the memory is for storing a computer program and the processor is for calling and running the computer program from the memory for causing the device to perform the method according to the first aspect described above.
In a fourth aspect, the present invention provides a storage medium,
The storage medium has stored therein instructions which, when run on a computer, cause the computer to perform the method of the first aspect described above.
The invention has the beneficial effects that:
According to the data service method and device for the business scene of the business health insurance core claim wind control, the personal health medical data of the participants are automatically acquired by receiving the request of the insurance company, the risk level evaluation in the business health insurance core and core claim process is automatically carried out, the core claim process is simplified, the core claim efficiency is improved, only the risk level evaluation result is fed back, the personal health medical data is shielded to the insurance company, and the data safety and privacy requirements are guaranteed.
In addition, the invention has reliable design principle, simple structure and very wide application prospect.
It can be seen that the present invention has outstanding substantial features and significant advances over the prior art, as well as the benefits of its implementation.
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 required to be used in the description of the embodiments or the prior art will be briefly described below, and it will be obvious to those skilled in the art that other drawings can be obtained from these drawings without inventive effort.
FIG. 1 is a flow chart of one embodiment of a data service method for a business health insurance kernel claim wind control business scenario of the present invention.
FIG. 2 is a flow chart of another embodiment of a data service method for a business health insurance kernel claim wind control business scenario of the present invention.
FIG. 3 is a schematic diagram of a data service device for a business health insurance core claim wind control business scenario of the present invention.
Detailed Description
In order to make the technical solution of the present invention better understood by those skilled in the art, the technical solution of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention, and it is apparent that the described embodiments are only some embodiments of the present invention, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the present invention without making any inventive effort, shall fall within the scope of the present invention.
Example 1:
as shown in fig. 1, the present invention provides a data service method for a business health insurance nuclear claim wind control business scenario, comprising the following steps:
S1, a data service platform is built, personal health medical data are collected from a special network of each data source in advance and stored, and then the stored personal health medical data are processed and treated to construct a business-protection two-core wind control data subject library;
S2, the data service platform receives a query request of registered insurance company users, analyzes the information of the participating and protecting users from the query request, and requests query authorization to the participating and protecting users;
S3, after the data service platform receives the inquiry authorization confirmation of the participating and protecting user, inquiring personal health medical data of the participating and protecting user from a business-protecting two-core wind control data theme database;
S4, the data service platform calculates a nuclear protection nuclear claim risk assessment result of the participating user by using a pre-built two-nuclear wind control model according to the personal health medical data of the participating user.
The invention realizes intelligent judgment of risk level, rapidly completes the check and protection decision, avoids the time for preparing materials, the time and the cost for submitting materials to run back and forth when the check and protection user applies for the check and protection, simultaneously avoids the traditional links of manual acceptance, collection and the like of insurance companies, and reduces the social cost expenditure.
Example 2:
as shown in fig. 1, the present invention provides a data service method for a business health insurance nuclear claim wind control business scenario, comprising the following steps:
S1, a data service platform is built, personal health medical data are collected from a special network of each data source in advance and stored, and then the stored personal health medical data are processed and treated to construct a business-protection two-core wind control data subject library; the specific steps of the step S1 are as follows:
S11, determining a data source, and establishing a data service platform and a safe data transmission channel of the data source, wherein the data source comprises a national health information platform and medical institutions;
S12, the data service platform acquires structured personal health medical data through a safe data transmission channel in a database bottom aggregation mode, and acquires unstructured personal health medical data through the safe data transmission channel in an image file aggregation mode;
S13, the data service platform gathers the acquired personal health medical data to a data lake, and identifies sensitive data for encryption and storage; the data service platform gathers structured personal health medical data to an MPP database in a data lake, and gathers unstructured personal health medical data to an object storage database in the data lake;
S14, the data service platform carries out value code conversion on diagnostic words in the structured personal health medical data according to a preset synonym map, and builds mapping from a data source to a target field to complete data management of the structured personal health medical data in the data source; for example, value code conversion is carried out on diagnostic words with different relations, such as 'leukemia' and 'leukemia', 'AIDS' and 'acquired immune syndrome' are two synonymous diagnostic words, and as a diagnostic word 'severe fatty liver' is a type of 'fatty liver', and the included relation exists; the clinical diagnosis and ICD10 are finally in one-to-one correspondence through value code conversion, for example, diagnosis "A-D" is converted into ICD10 disease "hypothyroidism", and the code E03.901 is a result based on value code conversion;
S15, the data service platform disassembles the original data of the unstructured personal health medical data into medical grouped paragraphs according to preset rules, disassembles the data of each paragraph according to the target variable rules of the requirements in a variable filling, data element merging and value domain normalization mode, and completes data management of the unstructured personal health medical data in the data source;
S16, the data service platform stores the treated target field and target variable into a business protection two-core wind control data subject database;
s2, the data service platform receives a query request of registered insurance company users, analyzes the information of the participating and protecting users from the query request, and requests query authorization to the participating and protecting users; the specific steps of the step S2 are as follows:
s21, after receiving a login request of an insurance company user, the data service platform performs identity authentication of security authentication, and allows the login of the insurance company user after the identity authentication is passed;
S22, the data service platform receives a data query request of an insurance company user, wherein the data query request has authorization information of the insurance company user;
S23, the data service platform identifies the information of the participating and protecting user from the data query request, generates a URL link to be confirmed according to the information of the participating and protecting user, pushes the URL link to be confirmed to the mobile terminal of the participating and protecting user in an H5 interface mode, and waits for the authorization confirmation of the participating and protecting user;
s3, after the data service platform receives the inquiry authorization confirmation of the participating and protecting user, inquiring personal health medical data of the participating and protecting user from a business-protecting two-core wind control data theme database; the specific steps of the step S3 are as follows:
S31, after the data service platform receives the authorization confirmation of the participating and protecting user to the H5 interface through the mobile terminal, the data service platform starts the personal health medical data inquiry of the participating and protecting user;
s32, the data service platform inquires target fields and standard target variables of personal health medical data of the participating users from a business-insurance two-core wind control data theme library to obtain diagnosis data;
S4, the data service platform calculates a nuclear protection nuclear claim risk assessment result of the participating user by using a pre-built two-nuclear wind control model according to the personal health medical data of the participating user; the specific steps of the step S4 are as follows:
s41, a data service platform builds a two-core wind control model, and risk grades are pre-divided for various major diseases and various minor diseases in advance according to a security manual of each security company;
S42, carrying out standardized processing of diagnostic codes on the acquired diagnostic data by the data service platform to obtain standard diagnostic codes, and inputting a two-core wind control model; different medical institution data standards, data dictionaries, diagnostic codes and the like adopt different standards, and the data is required to be subjected to diagnostic code standardization processing, wherein the data comprises 40000+ diagnostic codes, ICD-10, operation codes, traditional Chinese medicine code tables and the like;
s43, determining the risk level of the participating user by the two-core wind control model of the data service platform according to the standard diagnosis code to obtain a standardized risk assessment scheme;
s44, judging whether dangerous seeds or products of users of the insurance company have specific requirements by a two-core wind control model of the data service platform;
if not, outputting a standardized risk assessment scheme, returning the standardized risk assessment scheme and the corresponding risk level to the insurance company user, and ending;
If yes, go to step S45;
It should be noted that, the data service platform stores the standard requirement of the standardized risk assessment scheme for the insurance company, and defines the specific requirement for the different requirement of some dangerous types or products of the insurance company, where the specific requirement requires the data service platform to perform personalized adjustment for the standardized risk assessment scheme;
s45, the two-core wind control model of the data service platform performs personalized adjustment on the standardized risk assessment scheme according to specific requirements to obtain a personalized risk assessment scheme, and returns the personalized risk assessment scheme and the adjusted risk level to the user of the insurance company;
S5, the data service platform is matched with the blockchain platform to charge the personal health medical data use condition of the insurance company; the specific steps of the step S5 are as follows:
s51, receiving a registration request of an insurance company user by the blockchain platform, wherein the registration request contains identity verification information;
S52, the blockchain platform generates a unique digital identity for the insurance company user through an encryption algorithm, and stores the digital identity on the blockchain;
S53, recording data use conditions when the data service platform receives a data query request of an insurance company user, and storing the data use conditions on a block chain, wherein the data use conditions comprise data use amount and data use time;
s54, the blockchain platform monitors the data use condition of the insurance company user in the data service platform based on a preset charging rule and an intelligent contract, executes the intelligent contract to deduct the cost from the account of the insurance company user when the charging condition in the charging rule is triggered, and returns the charging process to the data service platform;
s55, the data service platform receives a bill information inquiry request of the insurance company user, and returns the data service condition and the charging detail to the insurance company user;
s56, the blockchain platform receives an audit of the charging process by a third party audit mechanism.
The current business insurance wind control relates to a large amount of data from different sources, including medical institutions, physical examination institutions, national health information platforms and the like, the data are collected safely and effectively, a unified data standard and format are established, and a data basis is provided for subsequent risk analysis and prediction; the collected health medical data are mostly personal medical seeking and physical examination data, are sensitive and have privacy, and the effective utilization of the data is realized on the premise that the original data cannot go out of the domain by only feeding back the risk assessment result to the insurance company, so that the safety and privacy of the data are ensured; the invention also ensures that the authorization confirmation for participation is obtained in the data service process so as to ensure the compliance of the data service, and ensures that the personal health medical book node obtains the informed consent and independent authorization of the data owner; the invention also carries out independent metering and charging on the data service according to different insurance company users.
Referring to the specific sequence execution steps of the data service method for the business health insurance core claim wind control business scenario shown in fig. 2, (1) data aggregation, adopting a private network, private network or VPN channel of the health meter to aggregate the data of each medical institution, comprehensive health information platform and other data sources; (2) Data processing treatment, and converging processed data to a business-insurance two-core wind control data subject database; (3) Registration authentication, wherein an insurance company serving as an insurance mechanism performs user registration and identity authentication on a data service platform in advance; (4) A query request, wherein an insurance company serving as an insurance mechanism initiates a query request to data service of a data service platform, (5) requests authorization, and the data service of the data service platform initiates a request to authorization service; (6) An authorization request is initiated to participating users serving as participating masses by authorization service of the data service platform; (7) Authorization confirmation, namely, the participating users of the participating masses return authorization confirmation to the authorization service; (8) The authorization result, the authorization service returns the authorization confirmation result of the user to the data service; (9) The data service sends a query request which is authorized and confirmed by the participating and protecting user to a business-protecting two-core wind control theme library; (10) The diagnosis data is given to the model, the business-insurance two-core wind control data subject database identifies the diagnosis data of the corresponding participating user according to the data query request, and the diagnosis data of the participating user is returned to the two-core wind control model; (11) And returning the wind control result, wherein the two-core wind control model of the data service platform calculates the wind control result according to the visit data of the participating user, and returns the wind control result to the insurance company.
The data service platform carries out metering charging service on the data using process of the insurance company user based on the insurance company user registration and identity authentication information, the treatment data is only used in the data service platform and is not returned to the insurance company user, and the calculated wind control evaluation result is returned only, so that the data safety and privacy requirements of the insurance company user are ensured.
Example 3:
as shown in fig. 3, the present invention provides a data service apparatus for a business health insurance nuclear claim wind control business scenario, comprising:
the data acquisition, aggregation and processing and treatment module is used for acquiring and storing personal health medical data from a special network of each data source in advance, and then processing and treating the stored personal health medical data to construct a business-protection two-core wind control data subject database;
The data inquiry request and inquiry authorization request module is used for receiving inquiry requests of registered insurance company users, analyzing the information of the participating and protecting users from the inquiry requests and requesting inquiry authorization for the participating and protecting users;
the data query module is used for querying personal health medical data of the participating and protecting user from the business-protecting two-core wind control data theme database after receiving the query authorization confirmation of the participating and protecting user;
the wind control calculation module is used for calculating a nuclear protection nuclear claim risk assessment result of the participating user by using a pre-built two-nuclear wind control model according to personal health medical data of the participating user;
And the metering and charging module is used for matching with the blockchain platform to charge the personal health medical data use condition of the insurance company.
Example 4:
The invention provides a device comprising a processor and a memory;
Wherein the memory is used for storing a computer program and the processor is used for calling and running the computer program from the memory, so that the device executes the method described in the above embodiment 1 or embodiment 2.
Example 5:
The present invention provides a storage medium that is configured to store,
The storage medium has stored therein instructions which, when run on a computer, cause the computer to perform the method described in embodiment 1 or embodiment 2 above.
Although the present invention has been described in detail by way of preferred embodiments with reference to the accompanying drawings, the present invention is not limited thereto. Various equivalent modifications and substitutions may be made in the embodiments of the present invention by those skilled in the art without departing from the spirit and scope of the present invention, and it is intended that all such modifications and substitutions be within the scope of the present invention/be within the scope of the present invention as defined by the appended claims.
Claims (10)
1. A data service method for a business health insurance nuclear claim wind control business scenario, comprising the steps of:
S1, a data service platform is built, personal health medical data are collected from a special network of each data source in advance and stored, and then the stored personal health medical data are processed and treated to construct a business-protection two-core wind control data subject library;
S2, the data service platform receives a query request of registered insurance company users, analyzes the information of the participating and protecting users from the query request, and requests query authorization to the participating and protecting users;
S3, after the data service platform receives the inquiry authorization confirmation of the participating and protecting user, inquiring personal health medical data of the participating and protecting user from a business-protecting two-core wind control data theme database;
S4, the data service platform calculates a nuclear protection nuclear claim risk assessment result of the participating user by using a pre-built two-nuclear wind control model according to the personal health medical data of the participating user.
2. The data service method for a business health insurance nuclear claim wind control business scenario of claim 1, further comprising the steps of:
s5, the data service platform is matched with the blockchain platform to charge the personal health medical data use condition of the insurance company.
3. The data service method for business health insurance nuclear claim wind control business scenario as claimed in claim 2, wherein step S1 comprises the following specific steps:
S11, determining a data source, and establishing a data service platform and a safe data transmission channel of the data source, wherein the data source comprises a national health information platform and medical institutions;
S12, the data service platform acquires structured personal health medical data through a safe data transmission channel in a database bottom aggregation mode, and acquires unstructured personal health medical data through the safe data transmission channel in an image file aggregation mode;
s13, the data service platform gathers the acquired personal health medical data to a data lake, and identifies sensitive data for encryption and storage;
s14, the data service platform carries out value code conversion on diagnostic words in the structured personal health medical data according to a preset synonym map, and builds mapping from a data source to a target field to complete data management of the structured personal health medical data in the data source;
S15, the data service platform disassembles the original data of the unstructured personal health medical data into medical grouped paragraphs according to preset rules, disassembles the data of each paragraph according to the target variable rules of the requirements in a variable filling, data element merging and value domain normalization mode, and completes data management of the unstructured personal health medical data in the data source;
S16, the data service platform stores the treated target field and the treated target variable into a business protection two-core wind control data subject database.
4. The data service method for business health insurance nuclear claim wind control business scenario as claimed in claim 3, wherein step S2 comprises the following specific steps:
s21, after receiving a login request of an insurance company user, the data service platform performs identity authentication of security authentication, and allows the login of the insurance company user after the identity authentication is passed;
S22, the data service platform receives a data query request of an insurance company user, wherein the data query request has authorization information of the insurance company user;
S23, the data service platform identifies the information of the participating and protecting user from the data query request, generates a URL link to be confirmed according to the information of the participating and protecting user, pushes the URL link to be confirmed to the mobile terminal of the participating and protecting user in an H5 interface mode, and waits for the authorization confirmation of the participating and protecting user.
5. The data service method for business health insurance nuclear claim wind control business scenario as claimed in claim 4, wherein step S3 comprises the following specific steps:
S31, after the data service platform receives the authorization confirmation of the participating and protecting user to the H5 interface through the mobile terminal, the data service platform starts the personal health medical data inquiry of the participating and protecting user;
S32, the data service platform inquires target fields and standard target variables of personal health medical data of the participating users from the business-insurance two-core wind control data theme library to obtain diagnosis data.
6. The data service method for business health insurance nuclear claim wind control business scenario as claimed in claim 5, wherein step S4 comprises the following specific steps:
s41, a data service platform builds a two-core wind control model, and risk grades are pre-divided for various major diseases and various minor diseases in advance according to a security manual of each security company;
S42, carrying out standardized processing of diagnostic codes on the acquired diagnostic data by the data service platform to obtain standard diagnostic codes, and inputting a two-core wind control model;
s43, determining the risk level of the participating user by the two-core wind control model of the data service platform according to the standard diagnosis code to obtain a standardized risk assessment scheme;
s44, judging whether dangerous seeds or products of users of the insurance company have specific requirements by a two-core wind control model of the data service platform;
if not, outputting a standardized risk assessment scheme, returning the standardized risk assessment scheme and the corresponding risk level to the insurance company user, and ending;
If yes, go to step S45;
S45, the two-core wind control model of the data service platform performs personalized adjustment on the standardized risk assessment scheme according to specific requirements to obtain a personalized risk assessment scheme, and returns the personalized risk assessment scheme and the adjusted risk level to the user of the insurance company.
7. The data service method for business health insurance nuclear claim wind control business scenario as claimed in claim 2, wherein step S5 comprises the following specific steps:
s51, receiving a registration request of an insurance company user by the blockchain platform, wherein the registration request contains identity verification information;
S52, the blockchain platform generates a unique digital identity for the insurance company user through an encryption algorithm, and stores the digital identity on the blockchain;
S53, recording data use conditions when the data service platform receives a data query request of an insurance company user, and storing the data use conditions on a block chain, wherein the data use conditions comprise data use amount and data use time;
s54, the blockchain platform monitors the data use condition of the insurance company user in the data service platform based on a preset charging rule and an intelligent contract, executes the intelligent contract to deduct the cost from the account of the insurance company user when the charging condition in the charging rule is triggered, and returns the charging process to the data service platform;
s55, the data service platform receives a bill information inquiry request of the insurance company user, and returns the data service condition and the charging detail to the insurance company user;
s56, the blockchain platform receives an audit of the charging process by a third party audit mechanism.
8. A data service apparatus for a business health insurance underwriting claim wind control business scenario, comprising:
the data acquisition, aggregation and processing and treatment module is used for acquiring and storing personal health medical data from a special network of each data source in advance, and then processing and treating the stored personal health medical data to construct a business-protection two-core wind control data subject database;
The data inquiry request and inquiry authorization request module is used for receiving inquiry requests of registered insurance company users, analyzing the information of the participating and protecting users from the inquiry requests and requesting inquiry authorization for the participating and protecting users;
the data query module is used for querying personal health medical data of the participating and protecting user from the business-protecting two-core wind control data theme database after receiving the query authorization confirmation of the participating and protecting user;
the wind control calculation module is used for calculating a nuclear protection nuclear claim risk assessment result of the participating user by using a pre-built two-nuclear wind control model according to personal health medical data of the participating user;
And the metering and charging module is used for matching with the blockchain platform to charge the personal health medical data use condition of the insurance company.
9. An apparatus comprising a processor and a memory;
Wherein the memory is adapted to store a computer program, the processor being adapted to call and run the computer program from the memory to cause the device to perform the method of any of the preceding claims 1-7.
10. A storage medium, characterized in that,
The storage medium having stored therein instructions which, when run on a computer, cause the computer to perform the method of any of the preceding claims 1-7.
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