CN109697674A

CN109697674A - Method, apparatus, electronic equipment and computer readable storage medium are demonstrate,proved from veritifying

Info

Publication number: CN109697674A
Application number: CN201811537727.8A
Authority: CN
Inventors: 陈琳; 谢海; 丁艳阳
Original assignee: Ping An Life Insurance Company of China Ltd
Current assignee: Ping An Life Insurance Company of China Ltd
Priority date: 2018-12-15
Filing date: 2018-12-15
Publication date: 2019-04-30

Abstract

The present invention relates to financial security fields, and in particular to a kind of from veritification card method and device, electronic equipment and computer readable storage medium.The described method includes: obtaining the insurance agreement template file of user information, the personal document information of user and pending insurance kind；Insurance agreement file corresponding with user information is generated according to the user information, personal document information and the insurance agreement template file；Receive the confirmation operation of user's input；It is tested according to the confirmation operation that user inputs to the insurance agreement file and exports inspection result；And the inspection result is sent to business personnel's terminal with reminding business person.The present invention can be realized automatic verifying and promotion user experience to information of insuring.

Description

Method, apparatus, electronic equipment and computer readable storage medium are demonstrate,proved from veritifying

Technical field

The present invention relates to financial security fields, and in particular to a kind of from veritification card method and device, electronic equipment and calculating Machine readable storage medium storing program for executing.

Background technique

It is existing insurance from core check system, cannot achieve to client health informing content and whether meet guarantor prison require etc. The automatic audit of content.It thus causes to influence the experience of user from the inefficiency for veritifying card.

Summary of the invention

In view of the foregoing, it is necessary to propose a kind of from veritifying card method and device, electronic equipment and computer-readable deposit Storage media verifies information of insuring with realizing automatically, and promotes user experience.

The first aspect of the application provides a kind of from core verification method, which comprises

Obtain the insurance agreement template file of user information, the personal document information of individual subscriber and pending insurance kind；

It is generated and the user information according to the user information, personal document information and the insurance agreement template file Corresponding insurance agreement file；

Receive the confirmation operation of user's input；

It is tested according to the confirmation operation that user inputs to the insurance agreement file and exports inspection result；And

The inspection result is sent to business personnel's terminal with reminding business person.

Preferably, it tests to the insurance agreement file and includes:

Obtain the information of the user information and pending insurance kind in the insurance agreement file；

Whether audit user meets that handle presetting for the pending insurance kind eligible；And

Judge whether the insured amount paid needed for user meets the requirements, and the meter when determining that insured amount is undesirable Calculate satisfactory insured amount.

Preferably, it tests to the insurance agreement file further include: obtain user from the insurance agreement file Age information and user provide type of credential information；Judge user age whether the pending insurance kind defined year In age section；And judge user provide type of credential whether be the pending insurance kind defined type of credential.

Preferably, the method also includes:

Go out healthy notification according to the insurance agreement document analysis；

Pass through the hospital system and physical examination mechanism of a server access and server networking；

User's medical information corresponding with user is searched according to the user information；

The healthy notification parsed is compared with the user's medical information found, and judges that the health is accused Know whether information is consistent with user's medical information；

When the healthy notification parsed and the inconsistent user's medical information found, judge that the body of user is strong Whether health situation meets the requirements；

Issued when the physical condition of user is undesirable prompting message remind user do not have purchase it is described to Do the qualification of insurance kind；And

When the physical condition of user meets the requirements, output prompting message is reminded in insurance agreement file described in user Healthy notification it is inconsistent with user's medical information for finding out and user is reminded to modify the health in insurance agreement file Notification.

Preferably, the method also includes:

The personal document information that user inputs is obtained from the document input interface that the user terminal provides, wherein institute It states document input interface to include upload button and upload path field, user can pass through the upload road of the document input interface The selection of diameter field stores personal authentication's file under one path of user terminal and the upload when user clicks upload button Personal authentication's file is as personal document information.

Preferably, the method also includes:

Obtain the electronic signature information of business personnel；

Obtain user's signature information；And

According to the electronic signature information of user, the electronic signature information of business personnel, electronic insurance policy model agreement file and guarantor Dangerous document of agreement generates electronic insurance policy.

Preferably, obtaining user's signature information includes:

The signature selection mode of user's electronic signature is obtained, wherein the signature selection mode includes local acquisition and strange land It obtains；

Judgement signature selection mode is local signature or strange land signature；

When determining signature scheme is local obtain, generated pair according to the signature that user inputs in business personnel's terminal Using the electronic signature information at family；And

When determining signature scheme is local obtain, the electronic signature information of the user sent by a server is obtained.

The second aspect of the application provides one kind from card device, described device is veritified

First acquisition module is for obtaining user information；

Second acquisition module is used to obtain the personal document information of user；

Third obtains the insurance agreement template file that module is used to obtain pending insurance kind；

Insurance agreement file generating module is used for according to the user information, personal document information and the insurance agreement mould Plate file generated insurance agreement file corresponding with the user information；

Confirmation module is used to receive the confirmation operation of user's input；

The confirmation operation that correction verification module is used to be inputted according to user tests to the insurance agreement file and exports inspection Test result；And

Reminding module is used to the inspection result being sent to business personnel's terminal with reminding business person.

The third aspect of the application provides a kind of electronic equipment, and the electronic equipment includes processor, and the processor is used It is realized when executing the computer program stored in memory described from core verification method.

The fourth aspect of the application provides a kind of computer readable storage medium, is stored thereon with computer program, described It is realized when computer program is executed by processor described from core verification method.

The present invention can test to the insurance agreement file, obtain wherein documented user information and pending guarantor The information of danger, whether audit user, which meets, is handled that presetting for pending insurance kind is eligible, and judges the insurance paid needed for user Whether the amount of money meets the requirements, and satisfactory insured amount is calculated when determining that insured amount is undesirable.The present invention It can be realized the automatic verifying to information of insuring and promotion user experience.

Detailed description of the invention

Fig. 1 is application environment schematic diagram of the present invention from core verification method.

Fig. 2 is flow chart of the present invention from core verification method preferred embodiment.

Fig. 3 is the schematic diagram of document input interface in the present invention.

Fig. 4 is the flow chart in another embodiment of the present invention from core verification method.

Fig. 5 is structure chart of the present invention from veritification card device preferred embodiment.

Fig. 6 is in another embodiment of the present invention from the structure chart for veritifying card device.

Fig. 7 is the structure chart that the present invention the 5th obtains module.

Fig. 8 is the schematic diagram of electronic equipment preferred embodiment of the present invention.

Specific embodiment

To better understand the objects, features and advantages of the present invention, with reference to the accompanying drawing and specific real Applying example, the present invention will be described in detail.It should be noted that in the absence of conflict, embodiments herein and embodiment In feature can be combined with each other.

In the following description, numerous specific details are set forth in order to facilitate a full understanding of the present invention, described embodiment is only It is only a part of the embodiment of the present invention, instead of all the embodiments.Based on the embodiments of the present invention, ordinary skill Personnel's every other embodiment obtained without making creative work, shall fall within the protection scope of the present invention.

Unless otherwise defined, all technical and scientific terms used herein and belong to technical field of the invention The normally understood meaning of technical staff is identical.Term as used herein in the specification of the present invention is intended merely to description tool The purpose of the embodiment of body, it is not intended that in the limitation present invention.

Preferably, of the invention to be applied in one or more electronic equipment from core verification method.The electronic equipment It is that one kind can be according to the instruction for being previously set or storing, the automatic equipment for carrying out numerical value calculating and/or information processing, hardware Including but not limited to microprocessor, specific integrated circuit (Application Specific Integrated Circuit, ASIC), programmable gate array (Field-Programmable Gate Array, FPGA), digital processing unit (Digital Signal Processor, DSP), embedded device etc..

The electronic equipment can be the calculating such as desktop PC, laptop, tablet computer and cloud server Equipment.The equipment can carry out man-machine friendship by modes such as keyboard, mouse, remote controler, touch tablet or voice-operated devices with user Mutually.

Embodiment 1

As shown in fig.1, described apply from core verification method in user terminal 1.The user terminal 1 is divided by network 2 It is not connect with cloud server 3 and business personnel's terminal 4.Wherein, the network 2 can be cable network, be also possible to wireless network Network, such as radio, Wireless Fidelity (Wireless Fidelity, WIFI), honeycomb, satellite, broadcast etc..The user terminal 1 Picture for obtaining picture and will acquire is uploaded in cloud server 1 and is stored.In one embodiment, the user Terminal 1 can be the devices such as laptop, desktop computer, tablet computer, cell phone.The cloud server 3 can be One server zone or Cloud Server.Shown business personnel's terminal 4 can be laptop, desktop computer, tablet computer, mobile hand The devices such as machine.

Fig. 2 is flow chart of the present invention from core verification method preferred embodiment.According to different requirements, in the flow chart The sequence of step can change, and certain steps can be omitted.

As shown in fig.2, the picture management method specifically includes the following steps:

Step S201 obtains user information.

In one embodiment, the user information includes that name, gender, telephone number and mailbox of user etc. handle guarantor Information required for dangerous business.Specifically, user inputs user information in the user input interface that user terminal 1 provides, such as The information such as above-mentioned address name, contact method, user terminal 1 obtain user information from the input interface.The user Input interface receives and obtains the user information of user's input.In another embodiment, user terminal 1 can also be according to user The user identifier inputted in the user input interface inquires corresponding user from the User Information Database of server 3 Information.Wherein, user identifier user information corresponding with user identifier is stored in the User Information Database.The user Input interface receives the user identifier of input and inquires the User Information Database and obtain use corresponding with user identifier Family information.In general, the user with user identifier is usually the user for handling allied line.Server 3 is recording It can be that it distributes identity with uniqueness, in this way, user terminal 1 is looked by user identifier after Insurance User information It askes the User Information Database and user information corresponding with user identifier can be obtained from the User Information Database.

Step S202 obtains the personal document information of user.

In the present embodiment, the personal document information of user includes the letter such as identity card document files, history declaration form certificate Breath.Specifically, user can input personal document information in the document input interface 11 that user terminal 1 provides.The user is whole End 1 obtains the personal document letter of user's input from the document input interface 11.Referring to FIG. 3, showing Chinese of the invention The schematic diagram of shelves input interface 11.The document input interface 11 includes upload button 111 and upload path field 112.User It can select to be stored under 1 one path of user terminal by the upload path field 112 of the document input interface 11 Personal authentication's file simultaneously uploads when user clicks upload button 111 and obtains personal authentication's file.In another embodiment party In formula, personal authentication's file can be scanned by scanning machine.

Step S203 obtains the insurance agreement template file of pending insurance kind.

The user terminal 1 can obtain from the database of the server 3 pending according to the insurance kind code of pending insurance kind The insurance agreement template file of insurance kind.The template data of the insurance agreement template file includes model agreement number, agreement item Number of packages evidence, protocol attribute data and protocol configuration data etc..Wherein, terms of agreement data refer to the condition in model agreement, I.e. warrantee buys the condition met needed for the pending insurance kind, and protocol attribute data refer to agreement kind belonging to model agreement Class, protocol configuration data refer to the corresponding specific data of the condition in model agreement.In present embodiment, affiliated insurance agreement Template file includes recommendation template file and insurance certificate template file.

Step S204 is generated and is used according to the user information, personal document information and the insurance agreement template file The corresponding insurance agreement file of family information.

In present embodiment, the insurance agreement file can be PDF format namely the insurance agreement file can be The recommendation and insurance certificate of PDF format, so that user can facilitate access.Business personnel's letter is also recorded in the insurance agreement file Breath.Business personnel's information includes the name and business personnel's code of business personnel.In general, can be inquired pair by business personnel's code The details for answering business personnel, department, contact method etc. as described in business personnel.In present embodiment, the insurance agreement file It further include the identification code for uniquely indicating insurance agreement file.The identification code can be by including Arabic numerals, English And other one of meet or a variety of compositions.Such as the identification code can be made of 20 letter and numbers.This reality It applies in mode, user can be convenient by the insurance agreement file of generation and consult.

Step S205 receives the confirmation operation of user's input.

It, can be at user's end after user confirms that the content in insurance agreement file is errorless after access in present embodiment Input validation operation in the user interface that end 1 provides.For example, user can be true by clicking the input of the ACK button in user interface Recognize operation.

Step S206 tests to the insurance agreement file according to the confirmation operation that user inputs and exports inspection knot Fruit.

In present embodiment, testing to the insurance agreement file includes: to examine to the insurance agreement file It tests, obtains the information of wherein documented user information and pending insurance；Whether audit user, which meets, is handled to the pre- of insurable If eligible；And judge whether the insured amount paid needed for user meets the requirements, and want determining that insured amount is not met Satisfactory insured amount is calculated when asking.In present embodiment, it is provided with and handles in the user terminal 1 or server 3 Presetting for meeting needed for insurance is eligible.It is described to preset the eligible condition including Insurance Regulatory Commission's defined.In general, different Insurance kind has different requirements to type of credential provided by the age of user and user.

It is described to test to the insurance agreement file further include: the year of user is obtained from the insurance agreement file The type of credential information that age information and user provide, judge the age of user whether in the age bracket of pending insurance kind defined, And judge user provide type of credential whether be the pending insurance kind defined type of credential.

It is described when the type of credential information of the age information of user and user's offer meets the requirements in present embodiment The output of user terminal 1 one is verified information to remind user's checking to pass through.For example, when the type of credential information of user is identity When card, the user terminal 1 by the server 3 access with the server 3 network public security household register system, and according to Whether the identity document information that information inquiry user in family is filled in insurance agreement file is correct.When user age information or When type of credential information is undesirable, the one modification prompting message of the output of user terminal 1 is to remind user to modify user's letter Breath or type of credential information.In a specific embodiment, one modification choosing of display in the operation interface that the user terminal 1 provides ?.It is editable format that the user terminal 1, which responds user and clicks the modification option for the insurance agreement file configuration,.Such as This, user can modify to the content of insurance agreement file.Such as the age information or type of credential information of modification user.

In present embodiment, it is described preset it is eligible further include insurance company's defined condition of insuring.It is described to insure Condition includes whether the physical condition of user meets the requirements, and whether the annual income of user meets the requirements and user is tired in company Whether the responsibility protection amount of meter purchase alreadys exceed the standard etc. of company's permission.In another embodiment, the insurance agreement text It further include the health and fitness information that user informs in part.It wherein, include the disease category, tight of medical history in the healthy notification Weight degree, information of currently whether fully recovering etc..The user terminal 1 can parse healthy announcement according in the insurance agreement file Know information.The user terminal 1 accesses the hospital system and physical examination mechanism with the server 3 networking by the server 3, Medical information corresponding with user is searched according to user information, the healthy notification parsed is cured with the user found It treats information to be compared, and judges whether the healthy notification and user's medical information are consistent.When the health parsed is accused When knowing that information and the user's medical information found are inconsistent, the user terminal 1 judges user's according to user's medical information Whether physical condition meets the requirements.Prompting message is issued when the physical condition of user is undesirable reminds user Without the qualification for buying the pending insurance kind.When the physical condition of user meets the requirements, the user terminal 1 is exported Prompting message reminds healthy notification described in user in insurance agreement file and user's medical information for finding out inconsistent And user is reminded to modify the healthy notification in insurance agreement file.The user terminal 1 is further believed according to user's medical treatment Breath calculates user and insures the Jia Baojine paid needed for the pending insurance kind, and user is reminded to modify in insurance agreement file Premium data.In present embodiment, the user terminal 1 is according to the disease category of the medical history in user's medical information, tight Weight degree and information of whether fully recovering calculate the Jia Baojine of user.

Inspection result is sent to business personnel's terminal 4 with reminding business person by step S207.

In present embodiment, the user terminal 1 according to inspection result to the audit state of the insurance agreement file into Line flag.For example, indicating that the insurance agreement Note Auditing passes through labeled as 0, indicate that the insurance agreement file is examined labeled as 1 Core does not pass through.

Provided in the present embodiment people can be reduced with the healthy notification of self-checking insurer from core verification method The process of work audit.This case simultaneously can also calculate rating according to insurer's health notification of acquisition and use, and avoid subsequent Cost issues part is issued, then the process done plus protected, improves actual effect and customer experience.

Referring to FIG. 4, showing the flow chart in another embodiment of the present invention from core verification method.

Step S401 obtains user information.

Step S402 obtains the personal document information of user.

Step S403 obtains the insurance agreement template file of pending insurance kind.

Step S404 is generated and is used according to the user information, personal document information and the insurance agreement template file The corresponding insurance agreement file of family information.

Step S405 receives the confirmation operation of user's input.

Step S406 tests to the insurance agreement file according to the confirmation operation that user inputs and exports inspection knot Fruit.

Step S407 is preset after the eligible inspection result for obtaining insurance agreement file according to described by the inspection As a result business personnel's terminal 4 is sent to reminding business person.

Step S408 obtains the electronic signature information of business personnel.

In present embodiment, when the inspection result of the insurance agreement file be by when, business personnel can business personnel end The electronic signature information of incoming traffic person on end 4.The electronic signature information of business personnel can be to be stored in advance in business personnel's terminal 4 On electronic signature information.When the inspection result of insurance agreement file be by when, business personnel's terminal 4 can pass through read institute State the electronic signature information that pre-stored electronic signature information obtains business personnel.

Step S409 obtains user's signature information；

In present embodiment, the electronic signature information of user needs user to carry out being manually entered electronic signature information.Business The electronic signature information that member's terminal 4 obtains user includes two kinds of acquisition modes, the first is direct in business personnel's terminal 4 for user The electronic signature of input, i.e., it is local to obtain；Second is that user signs electronically in other terminals (such as user terminal 1), The electronic signature of user is sent to business personnel's terminal 4, i.e. strange land obtains.

In present embodiment, the acquisition user's signature information includes:

(S4091) the signature selection mode of user's electronic signature is obtained；

In present embodiment, business personnel's terminal 4 can show the acquisition type choice box for obtaining the electronic signature information of user, And receive the signature selection mode for the electronic signature that user is chosen by the acquisition type choice box.Wherein, the choice box It is obtained including local obtain with strange land.

(S4092) judgement signature selection mode is local signature or strange land signature, if then executing step when local signature Rapid S4093, it is no to then follow the steps S4094.

(S4093) electronic signature information of corresponding user is generated according to the signature that user inputs in business personnel's terminal 4.

In the present embodiment, when detecting selected signature scheme locally to sign, business personnel's terminal 4 is aobvious Show a signature pop-up, and record touch track, touch event and touch speed etc. of the user in the signature pop-up there are label The signing messages of name feature.Specifically, user can be directly with finger sliding type or by other relevant input tools in industry Signature is inputted in business person's terminal 4.Business personnel's terminal 4 detect user complete signature after, can according to preset signature algorithm come Generate corresponding electronic signature information.

(S4094) electronic signature information of the user sent by server 3 is obtained.

In present embodiment, business personnel's terminal 4, can will be described when detecting selected signature scheme is that strange land is signed The selection result of strange land signature is sent to server 3, makes server 3 that user be notified to sign on user terminal 1.This implementation In mode, the user terminal 1 can show the second signature pop-up, and record touch rail of the user in the second signature pop-up The signature factors with signature character such as mark, touch event and touch speed.Specifically, the side that user can directly be slided with finger Formula inputs signature on the subscriber terminal.In other embodiments, user can also be existed by other input tools (such as electronic pen) Signature is inputted on user terminal 1.User terminal 1, can be according to preset signature algorithm next life after detecting that user completes signature It is encrypted at corresponding electronic signature information, and to the electronic signature information.Specifically, the user terminal 1 according to The pre-set Encryption Algorithm of server 3 is encrypted, and encrypted electronic signature information is sent to server 3.

In present embodiment, server 3 after receiving encrypted electronic signature information, according to the encryption calculate pair The decipherment algorithm answered decrypts it, restores the electronic signature information of user, and the electronic signature information of user is sent to industry Business person's terminal 4.

In present embodiment, the electronic signature information for obtaining the user sent by server 3 includes the following steps:

A, server 3 generates the first check information, and the first check information is sent to the user terminal 1.

It, can be to service when business personnel's terminal 4 detects that selected signature scheme is strange land signature in present embodiment The signature scheme selection result of the transmission user of device 3.Server 3 is strange land signature scheme receiving selected signature scheme Afterwards, the contact method of user, such as telephone number or E-mail address are obtained, sends and gives birth to the telephone number or E-mail address of user At the first check information.In present embodiment, first check information can include Arabic numerals, English by predetermined figure One of text mother and other symbols or a variety of compositions.For example, can be formed for 6 Arabic numerals and English alphabet.

B, receive user terminal 1 return the second check information, detection the second check information whether with the first check information Unanimously.If so, thening follow the steps c, otherwise, step d is executed.

In present embodiment, server 3 can be sent out after having sent the first check information to user terminal 1 to user terminal 1 It send and obtains signing messages request.User terminal 1 can show that check information verifies window after getting the signature request first Mouthful, and the second check information that user is inputted is obtained, second check information is sent to server 3, is examined by server 3 It whether consistent with the first check information surveys second check information, the testing result is sent to user terminal 1.

C, the electronic signature information for obtaining the user that user terminal 1 generates, is sent to industry for the electronic signature information of user Business person's terminal 4.

In present embodiment, when user terminal 1 is after receiving the consistent information of detection transmitted by server 3, it can show Show the second signature pop-up, and record touch track, touch time and touch speed etc. of the user in the signature pop-up to have The signature factor of signature character.Specifically, user directly can input signature with the mode that finger slides on the subscriber terminal.User Terminal 1 can generate corresponding electronic signature information after detecting that user completes signature according to preset signature algorithm.And it is right The electronic signature information is encrypted.Specifically, the user terminal 1 can be calculated according to the pre-set encryption of server 3 Method is encrypted, and encrypted electronic signature information is sent to server 3.Server 3 is receiving the transmission of user terminal 1 After encrypted electronic signature information, it is decrypted according to decipherment algorithm corresponding with the Encryption Algorithm, restores user's Electronic signature information, and the electronic signature information of user is sent to business personnel's terminal 4.

D, the inconsistent judging result of check information is sent to user terminal 1.

It, can be by providing local signature and strange land signature two ways, so that user can be complete in strange land in present embodiment Pairs of insurance business is handled, facilitate user handle insurance business while, further improve what insurance business was handled Efficiency.

In one embodiment, the electronic signature information for obtaining the user that user terminal 1 generates, by the electronics of user Signing messages is sent to before business personnel's terminal, further includes: server sends shooting identification photographs request instruction to user terminal； Receive the captured identification photographs that user terminal is sent；Judge the similar of identification photographs comparison picture corresponding with user information Whether degree reaches preset threshold；If the similarity of identification photographs comparison picture corresponding with user information reaches preset threshold, Obtain the electronic signature information for the user that user terminal generates.

In present embodiment, place is stated server and is sent before shooting identification photographs request instruction to user terminal, also wraps Include step:

The risk class that server 3 is handled also according to user and its insurance comprehensive descision user handled；If judging institute State risk class more than scheduled risk class need user provide image authentication when, then server 3 to user terminal 1 send clap Take the photograph identification photographs request instruction.

User terminal 1 can will be clapped after receiving the request instruction by calling camera to shoot the photo of user The photo taken the photograph is sent to server as identification photographs.Server 3 is inquired by access public security household register system according to user information And the egative film on the identity card of user is obtained, by egative film picture as a comparison, by the received identification photographs of institute and a comparison diagram Piece compares, and the similarity of the two is calculated according to related algorithms such as image recognitions, and judge whether the similarity reaches To preset value.If so, the user for handling signature described in explanation is Insurance User, and then obtain what user terminal 1 generated The electronic signature information of user.

Step S410, according to the electronic signature information of user, the electronic signature information of business personnel, electronic insurance policy model agreement File and insurance agreement file generated electronic insurance policy.

In present embodiment, after server 3 detects that user completes the premium paid needed for its applied insurance, then According to the electronic signature information of user, business personnel's electronic signature information and the corresponding electronic insurance policy of insurance agreement inspection of documents. In the present embodiment the process of manual examination and verification can be reduced with the healthy notification of self-checking insurer from core verification method.Together When this case can also be calculated according to insurer's health notification of acquisition and rating and generate electronic insurance policy, avoid it is subsequent go out The process that existing problem part does again plus protects, improves actual effect and customer experience.

Embodiment 2

Fig. 5 is structure chart of the present invention from veritification 60 preferred embodiment of card device.

In some embodiments, described to be run in electronic equipment from veritification card device 60.It is described to veritify card device 60 certainly It may include multiple functional modules as composed by program code segments.The journey of each program segment from veritification card device 60 Sequence code can store in memory, and as performed by least one processor, to execute the function of pictures management.

It is described from function of the card device 60 according to performed by it is veritified in the present embodiment, multiple functions can be divided into Module.It from card device 60 is veritified may include that the first acquisition module 601, second obtains module 602, the as shown in fig.5, described Three obtain module 603, insurance agreement file generating module 604, confirmation module 60, correction verification module 606 and reminding module 607.This Inventing so-called module and referring to a kind of performed by least one processor and can complete a series of of fixed function Computer program code segments, storage is in memory.Described first, which obtains module 601, second, obtains module 602, third acquisition mould Block 603, insurance agreement file generating module 604, confirmation module 60, correction verification module 606 and reminding module 607 operate in user's end In end 1.In some embodiments, it will be described in detail in subsequent embodiment about the function of each module.

Described first, which obtains module 601, obtains user information.

In one embodiment, the user information includes that name, gender, telephone number and mailbox of user etc. handle guarantor Information required for dangerous business.Specifically, user inputs user information in the user input interface that user terminal 1 provides, such as The information such as above-mentioned address name, contact method, the first acquisition module 601 obtain user information from the input interface.Institute State the user information that user input interface receives and obtains user's input.In another embodiment, first module 601 is obtained also It can be looked into from the User Information Database of server 3 according to the user identifier that user inputs in the user input interface Ask corresponding user information.Wherein, user identifier user corresponding with user identifier is stored in the User Information Database Information.The user input interface receives the user identifier of input and inquires the User Information Database and obtain and marks with user Sensible corresponding user information.In general, the user with user identifier is usually the user for handling allied line.Clothes Device 3 be engaged in after having recorded Insurance User information, identity with uniqueness can be distributed for it, in this way, user terminal 1 passes through User identifier is inquired the User Information Database and can be obtained from the User Information Database corresponding with user identifier User information.

Described second obtains the personal document information that module 602 obtains user.

In the present embodiment, the personal document information of user includes the letter such as identity card document files, history declaration form certificate Breath.Specifically, user can input personal document information in the document input interface 11 that user terminal 1 provides, described second is obtained Modulus block 602 obtains the personal document letter of user's input from the document input interface 11.Referring to FIG. 3, showing this hair The schematic diagram of bright middle document input interface 11.The document input interface 11 includes upload button 111 and upload path field 112.User can select to be stored in the user terminal 1 one by the upload path field 112 of the document input interface 11 Personal authentication's file under path simultaneously uploads when user clicks upload button 111 and obtains personal authentication's file.Another In one embodiment, personal authentication's file can be scanned by scanning machine.

The third obtains the insurance agreement template file that module 603 obtains pending insurance kind.

In present embodiment, each pending insurance kind product corresponds to a unique insurance kind code, each insurance kind code pair Answer an insurance agreement template file.Described second obtains module 603 can be according to the insurance kind code of pending insurance kind from the server 3 Database in obtain the insurance agreement template file of pending insurance kind.The template data of the insurance agreement template file includes association Discuss template number, terms of agreement data, protocol attribute data and protocol configuration data etc..Wherein, terms of agreement data refer to Condition in model agreement, i.e. warrantee buy the condition met needed for the pending insurance kind, and protocol attribute data refer to assisting Protocol type belonging to template is discussed, protocol configuration data refer to the corresponding specific data of the condition in model agreement.This implementation In mode, the insurance agreement template file includes recommendation template file and insurance certificate template file.

The insurance agreement file generating module 604 is assisted according to the user information, personal document information and the insurance It discusses template file and generates insurance agreement file corresponding with user information.

In present embodiment, the insurance agreement file can be PDF format namely the insurance agreement file can be The recommendation and insurance certificate of PDF format, so that user can facilitate access.In one embodiment, in the insurance agreement file Business personnel's information is also recorded.Business personnel's information includes the name and business personnel's code of business personnel.In general, passing through business Member's code can inquire the details of corresponding business personnel, department, contact method etc. as described in business personnel.In present embodiment, The insurance agreement file further includes the identification code for uniquely indicating insurance agreement file.The identification code can be by including me Uncle's number, English and other one of meet or a variety of compositions.Such as the identification code can be by 20 letters It is formed with number.In present embodiment, user can be convenient by the insurance agreement file of generation and consult.

The confirmation module 605 receives the confirmation operation of user's input.

The confirmation operation that the correction verification module 606 is inputted according to user is tested and is exported to the insurance agreement file Inspection result.

In present embodiment, the confirmation operation that the correction verification module 606 is inputted according to user is to the insurance agreement file Testing includes: to test to the insurance agreement file, obtain wherein documented by user information and pending insurance Information；Audit user whether meet handle it is eligible to presetting for insurable；And judge the insured amount paid needed for user Whether meet the requirements, and calculates satisfactory insured amount when determining that insured amount is undesirable.Present embodiment In, the correction verification module 606 is eligible provided with presetting for meeting needed for handling insurance.Described preset eligible includes symbol Close the condition of Insurance Regulatory Commission's defined.In general, different insurance kinds are different to type of credential provided by the age of user and user Requirement.

The confirmation operation according to user's input tests to the insurance agreement file further include: from the insurance Whether the type of credential information that the age information and user that user is obtained in document of agreement provide, judge the age of user pending In the age bracket of insurance kind defined, and judge user provide type of credential whether be the pending insurance kind defined certificate class Type.

When the type of credential information that the age information of user and user provide meets the requirements, the correction verification module 606 is defeated Out one information is verified to remind user's checking to pass through.For example, when the type of credential information of user is identity card, the school Module 606 is tested by the public security household register system of the server 3 access and the server 3 networking, and is looked into according to user information Whether correct ask the identity document information that user is filled in insurance agreement file.When the age information or type of credential of user When information is undesirable, one modification prompting message of output is to remind user to modify user information or type of credential information.One In specific embodiment, one modification option of display in the operation interface that the user terminal provides.The user terminal response is used It is editable format that family, which clicks the modification option for the insurance agreement file configuration,.In this way, user can be to insurance agreement text The content of part is modified.Such as the age information or type of credential information of modification user.

It is described to preset the eligible condition of insuring including insurance company's defined in present embodiment.The item of insuring Part includes whether the physical condition of user meets the requirements, and whether the annual income of user meets the requirements and user is accumulative in company Whether the responsibility protection amount of purchase alreadys exceed the standard etc. of company's permission.In another embodiment, the insurance agreement file In further include user inform health and fitness information.It wherein, include the disease category, serious of medical history in the healthy notification Degree, information of currently whether fully recovering etc..The correction verification module 606 can parse healthy announcement according in the insurance agreement file Know information.The hospital system and physical-examination machine that the correction verification module 606 passes through the server 3 access and the server 3 networking Structure searches medical information corresponding with user according to user information, by the healthy notification parsed and the use found Family medical information is compared, and judges whether the healthy notification and user's medical information are consistent.It is strong when what is parsed When health notification and the user's medical information found are inconsistent, the correction verification module 606 judges according to user's medical information Whether the physical condition of user meets the requirements.Prompting message is issued when the physical condition of user is undesirable to mention The user that wakes up does not have the qualification for buying the pending insurance kind.When the physical condition of user meets the requirements, the calibration mode Block 606 exports prompting message and the healthy notification in insurance agreement file described in user is reminded to believe with the user's medical treatment found out It ceases inconsistent and user is reminded to modify the healthy notification in insurance agreement file.The user terminal 1 further according to Family medical information calculates user and insures the Jia Baojine paid needed for the pending insurance kind, and user is reminded to modify insurance agreement Premium data in file.In present embodiment, the user terminal 1 is according to the disease of the medical history in user's medical information Classification, severity and information of whether fully recovering calculate the Jia Baojine of user.

Inspection result is sent to business personnel's terminal 4 with reminding business person by the reminding module 607.

In present embodiment, the reminding module 607 is according to inspection result to the audit state of the insurance agreement file It is marked and the label is sent to business personnel's terminal 4 with reminding business person.For example, indicating the guarantor labeled as 0 Dangerous document of agreement audit passes through, and indicates that the insurance agreement Note Auditing does not pass through labeled as 1.

Provided in the present embodiment people can be reduced with the healthy notification of self-checking insurer from veritification card device The process of work audit.This case simultaneously can also calculate rating according to insurer's health notification of acquisition and use, and avoid subsequent Cost issues part is issued, then the process done plus protected, improves actual effect and customer experience.

Referring to FIG. 6, showing in another embodiment of the present invention from the structure chart for veritifying card device.

In one embodiment, described from function of the card device 60 according to performed by it is veritified, it can be divided into more A functional module.As shown in fig.7, the card device 60 of veritifying certainly may include that the first acquisition module 701, second obtains module 702, third obtains module 703, insurance agreement file generating module 704, confirmation module 705, correction verification module 706, reminding module 707, the 4th module the 708, the 5th acquisition module 709, electronic insurance policy generation module 710 are obtained.The so-called module of the present invention refers to It is a kind of performed by least one processor and can to complete the series of computation machine program segment of fixed function, storage In memory.In present embodiment, described first obtains the acquisition of module 701, second module 702, third obtains module 703, Insurance agreement file generating module 704, confirmation module 705, correction verification module 706, reminding module 707 operate in user terminal 1. The 4th acquisition module the 708, the 5th obtains module 709, electronic insurance policy generation module 710 operates in business personnel's terminal 4.? In some embodiments, the function about each module will be described in detail in subsequent embodiment.

Described first, which obtains module 701, obtains user information.

Described second obtains the personal document information that module 702 obtains user.

The third obtains the insurance agreement template file that module 703 obtains pending insurance kind.

The insurance agreement file generating module 704 is assisted according to the user information, personal document information and the insurance It discusses template file and generates insurance agreement file corresponding with user information.

The confirmation module 705 receives the confirmation operation of user's input.

The confirmation operation that the correction verification module 706 is inputted according to user is tested and is exported to the insurance agreement file Inspection result.

The reminding module 707 is preset after the eligible inspection result for obtaining insurance agreement file according to described by institute It states inspection result and is sent to business personnel's terminal 4.

The 4th acquisition module 708 is used to obtain the electronic signature information of business personnel.

In present embodiment, when the inspection result of the insurance agreement file be by when, business personnel can business personnel end The electronic signature information of incoming traffic person on end 4.The electronic signature information of business personnel can be to be stored in advance in business personnel's terminal 4 On electronic signature information.When the inspection result of insurance agreement file be by when, it is described 4th acquisition module 708 can pass through reading The pre-stored electronic signature information is taken to obtain the electronic signature information of business personnel.

Described 5th, which obtains module 709, obtains user's signature information；

Referring to FIG. 7, showing the structure chart of the 5th acquisition module 709 in the present invention.Described second, which obtains module 709, wraps Include signature selection mode acquisition submodule 7091, judging submodule 7092, electronic signature generation submodule 7093.

The signature selection mode acquisition submodule 7091 is used to obtain the signature selection mode of user's electronic signature；

The judging submodule 7092 is for judging that signature selection mode is local signature or strange land signature.

When selection mode of signing is local signs, the electronic signature generates submodule 7093 according to user in business personnel The signature inputted in terminal 4 generates the electronic signature information of corresponding user.

In the present embodiment, when detecting selected signature scheme locally to sign, the electronic signature is generated One signature pop-up of the display of submodule 7093, and record touch track, touch event and touch of the user in the signature pop-up Speed etc. has the signing messages of signature character.Specifically, user can directly use finger sliding type or relevant by other Input tool inputs signature in business personnel's terminal 4.The electronic signature generates submodule 7093 and is detecting user's completion label After name, corresponding electronic signature information can be generated according to preset signature algorithm.

When selection mode of signing is local signs, the electronic signature generates the acquisition of submodule 7093 and is sent out by server 3 The electronic signature information of the user sent.

In present embodiment, the electronic signature generates submodule 7093 and is detecting that selected signature scheme is strange land When signature, the selection result that the strange land is signed can be sent to server 3, server 3 is made to notify user on user terminal 1 It signs.In present embodiment, the user terminal 1 can show the second signature pop-up, and record user in second label The signature factors with signature character such as touch track, touch event and touch speed in name pop-up.Specifically, user can be straight It connects and inputs signature on the subscriber terminal with the mode that finger slides.In other embodiments, user can also be inputted by other Tool (such as electronic pen) inputs signature on user terminal 1.User terminal 1, can be according to pre- after detecting that user completes signature The signature algorithm set encrypts the electronic signature information to generate corresponding electronic signature information.Specifically, described User terminal 1 is encrypted according to the pre-set Encryption Algorithm of server 3, and encrypted electronic signature information is sent to Server 3.

In present embodiment, the electronic signature information for obtaining the user sent by server 3 includes: a, server 3 The first check information is generated, the first check information is sent to the user terminal 1；B, the second verification that user terminal 1 returns is received Whether information, the second check information of detection are consistent with the first check information；Second check information is consistent with the first check information, then The electronic signature information for obtaining the user that user terminal 1 generates, is sent to business personnel's terminal 4 for the electronic signature information of user； If the second check information and the first check information are inconsistent, the inconsistent judging result of check information is sent to user terminal 1.

In one embodiment, the electronic signature information for obtaining the user that user terminal 1 generates, by the electronics of user Signing messages is sent to before business personnel's terminal, and the server 3 is also used to send shooting identification photographs request to user terminal Instruction；Receive the captured identification photographs that user terminal 1 is sent；Judge identification photographs comparison picture corresponding with user information Similarity whether reach preset threshold；If the similarity of identification photographs comparison picture corresponding with user information reaches default threshold Value then executes the electronic signature information for obtaining the user that user terminal generates.

It is described before the server 3 sends shooting identification photographs request instruction to user terminal 1 in present embodiment The risk class that server 3 is handled also according to user and its insurance comprehensive descision user handled；If judging described risk etc. When grade is more than that scheduled risk class needs user to provide image authentication, then server 3 sends shooting identity to user terminal 1 and shines Piece request instruction.

User terminal 1 can will be clapped after receiving the request instruction by calling camera to shoot the photo of user The photo taken the photograph is sent to server as identification photographs.Server 3 is inquired by access public security household register system according to user information And the egative film on the identity card of user is obtained, by egative film picture as a comparison, by the received identification photographs of institute and a comparison diagram Piece compares, and the similarity of the two is calculated according to related algorithms such as image recognitions, and judge whether the similarity reaches To preset value.If so, the user for handling signature described in explanation is Insurance User, and then executes and obtain the life of user terminal 1 At user electronic signature information.

The electronic insurance policy generation module 710 is according to the electronic signature information of user, the electronic signature information of business personnel, electricity Sub- declaration form model agreement file and insurance agreement file generated electronic insurance policy.

Embodiment three

Fig. 8 is the schematic diagram of 9 preferred embodiment of electronic equipment of the present invention.

The electronic equipment 9 includes memory 91, processor 92 and is stored in the memory 91 and can be described The computer program 93 run on processor 92.The processor 92 is realized above-mentioned from veritification when executing the computer program 93 Demonstrate,prove the step in embodiment of the method, such as step S201~S207 shown in Fig. 2.Alternatively, the processor 92 executes the meter It is realized when calculation machine program 93 above-mentioned from the function of veritifying each module/unit in card device embodiment, such as the module 601 in Fig. 5 ~607.

Illustratively, the computer program 93 can be divided into one or more module/units, it is one or Multiple module/units are stored in the memory 91, and are executed by the processor 92, to complete the present invention.Described one A or multiple module/units can be the series of computation machine program instruction section that can complete specific function, and described instruction section is used In implementation procedure of the description computer program 93 in the electronic equipment 9.For example, the computer program 93 can be by Being divided into first in Fig. 5 to obtain, module 601, second obtains module 602, third obtains module 603, insurance agreement file generated Module 604, confirmation module 60, correction verification module 606 and reminding module 607, each module concrete function is referring to embodiment two.

The electronic equipment 9 can be the calculating such as desktop PC, notebook, palm PC and cloud server and set It is standby.It will be understood by those skilled in the art that the schematic diagram is only the example of electronic equipment 9, do not constitute to electronic equipment 9 Restriction, may include perhaps combining certain components or different components, such as institute than illustrating more or fewer components Stating electronic equipment 9 can also include input-output equipment, network access equipment, bus etc..

Alleged processor 92 can be central processing module (Central Processing Unit, CPU), can also be Other general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit (Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field- Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic, Discrete hardware components etc..General processor can be microprocessor or the processor 92 is also possible to any conventional processing Device etc., the processor 92 are the control centres of the electronic equipment 9, utilize various interfaces and the entire electronic equipment of connection 9 various pieces.

The memory 91 can be used for storing the computer program 93 and/or module/unit, and the processor 92 passes through Operation executes the computer program and/or module/unit being stored in the memory 91, and calls and be stored in memory Data in 91 realize the various functions of the meter electronic equipment 9.The memory 91 can mainly include storing program area and deposit Store up data field, wherein storing program area can application program needed for storage program area, at least one function (for example sound is broadcast Playing function, image player function etc.) etc.；Storage data area can store according to electronic equipment 9 use created data (such as Audio data, phone directory etc.) etc..In addition, memory 91 may include high-speed random access memory, it can also include non-volatile Property memory, such as hard disk, memory, plug-in type hard disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card (Flash Card), at least one disk memory, flush memory device or other Volatile solid-state part.

If the integrated module/unit of the electronic equipment 9 is realized in the form of software function module and as independent Product when selling or using, can store in a computer readable storage medium.Based on this understanding, the present invention is real All or part of the process in existing above-described embodiment method, can also instruct relevant hardware come complete by computer program At the computer program can be stored in a computer readable storage medium, and the computer program is held by processor When row, it can be achieved that the step of above-mentioned each embodiment of the method.Wherein, the computer program includes computer program code, institute Stating computer program code can be source code form, object identification code form, executable file or certain intermediate forms etc..It is described Computer-readable medium may include: any entity or device, recording medium, U that can carry the computer program code Disk, mobile hard disk, magnetic disk, CD, computer storage, read-only memory (ROM, Read-Only Memory), arbitrary access Memory (RAM, Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..It needs It is bright, the content that the computer-readable medium includes can according in jurisdiction make laws and patent practice requirement into Row increase and decrease appropriate, such as do not include electric load according to legislation and patent practice, computer-readable medium in certain jurisdictions Wave signal and telecommunication signal.

In several embodiments provided by the present invention, it should be understood that arriving, disclosed electronic equipment and method can be with It realizes by another way.For example, electronic equipment embodiment described above is only schematical, for example, the mould The division of block, only a kind of logical function partition, there may be another division manner in actual implementation.

It, can also be in addition, each functional module in each embodiment of the present invention can integrate in same treatment module It is that modules physically exist alone, can also be integrated in equal modules with two or more modules.Above-mentioned integrated mould Block both can take the form of hardware realization, can also realize in the form of hardware adds software function module.

It is obvious to a person skilled in the art that invention is not limited to the details of the above exemplary embodiments, Er Qie In the case where without departing substantially from spirit or essential attributes of the invention, the present invention can be realized in other specific forms.Therefore, no matter From the point of view of which point, the present embodiments are to be considered as illustrative and not restrictive, and the scope of the present invention is by appended power Benefit requires rather than above description limits, it is intended that all by what is fallen within the meaning and scope of the equivalent elements of the claims Variation is included in the present invention.Any reference signs in the claims should not be construed as limiting the involved claims.This Outside, it is clear that one word of " comprising " is not excluded for other modules or step, and odd number is not excluded for plural number.It is stated in electronic equipment claim Multiple modules or electronic equipment can also be implemented through software or hardware by the same module or electronic equipment.The first, the Second-class word is used to indicate names, and is not indicated any particular order.

Finally it should be noted that the above examples are only used to illustrate the technical scheme of the present invention and are not limiting, although reference Preferred embodiment describes the invention in detail, those skilled in the art should understand that, it can be to of the invention Technical solution is modified or equivalent replacement, without departing from the spirit and scope of the technical solution of the present invention.

Claims

1. a kind of from core verification method, which is characterized in that the described method includes:

It is generated according to the user information, personal document information and the insurance agreement template file corresponding with the user information Insurance agreement file；

Receive the confirmation operation of user's input；

2. as described in claim 1 from core verification method, which is characterized in that test packet to the insurance agreement file It includes:

Judge whether the insured amount paid needed for user meets the requirements, and is calculated when determining that insured amount is undesirable Satisfactory insured amount.

3. as claimed in claim 2 from core verification method, which is characterized in that test to the insurance agreement file and also wrap It includes: the type of credential information that the age information and user that user is obtained from the insurance agreement file provide；Judge user's Whether the age is in the age bracket of the pending insurance kind defined；And whether the type of credential for judging that user provides is described pending The type of credential of insurance kind defined.

4. as claimed in claim 2 from core verification method, which is characterized in that the method also includes:

The healthy notification parsed is compared with the user's medical information found, and judges that the health informs letter It ceases whether consistent with user's medical information；

When the healthy notification parsed and the inconsistent user's medical information found, the health shape of user is judged Whether condition meets the requirements；

Prompting message is issued when the physical condition of user is undesirable reminds user not have the purchase pending danger The qualification of kind；And

When the physical condition of user meets the requirements, output prompting message is reminded strong in insurance agreement file described in user Health notification is inconsistent with the user's medical information found out and user is reminded to modify the health informing in insurance agreement file Information.

5. as described in claim 1 from core verification method, which is characterized in that the method also includes:

The personal document information that user inputs is obtained from the document input interface that the user terminal provides, wherein the text Shelves input interface includes upload button and uploads path field, and user can pass through the upload path column of the document input interface Position selection store personal authentication's file under one path of user terminal and user click upload button when upload described in Personal authentication's file is as personal document information.

6. as described in claim 1 from core verification method, which is characterized in that the method also includes:

Obtain the electronic signature information of business personnel；

Obtain user's signature information；And

According to the electronic signature information of user, the electronic signature information of business personnel, electronic insurance policy model agreement file and the guarantor Dangerous document of agreement generates electronic insurance policy.

7. as described in claim 1 from core verification method, which is characterized in that the acquisition user's signature information includes:

The signature selection mode of user's electronic signature is obtained, wherein the signature selection mode includes that local acquisition and strange land are obtained It takes；

When determining signature scheme is local obtain, the signature inputted in business personnel's terminal according to user is generated to application The electronic signature information at family；And

8. a kind of from veritifying card device, which is characterized in that described device includes:

First acquisition module is for obtaining user information；

Insurance agreement file generating module is used for according to the user information, personal document information and insurance agreement template text Part generates insurance agreement file corresponding with the user information；

The confirmation operation that correction verification module is used to be inputted according to user tests to the insurance agreement file and exports inspection knot Fruit；And

9. a kind of electronic equipment, it is characterised in that: the electronic equipment includes processor, and the processor is for executing memory It realizes as described in any one of claim 1-7 when the computer program of middle storage from core verification method.

10. a kind of computer readable storage medium, is stored thereon with computer program, it is characterised in that: the computer program It realizes as described in any one of claim 1-7 when being executed by processor from core verification method.