Invention content
Based on this, it is necessary to for it is above-mentioned take time and effort, the problem that risk covered is high, the present invention, which proposes one kind, to dropLow risk covered and method, apparatus, computer equipment and the storage medium of time saving and energy saving verification of insuring.
A method of verification of insuring, the method includes：Reception is insured application, is carried in application of insuring described in extractionUser information；Customer number corresponding with the user information is searched, the customer number is used for one user of unique mark；RootProduct information of insuring corresponding with the application of insuring is extracted according to the application of insuring；According to it is described insure product information determine withThe corresponding classification of insuring of the product information of insuring；Verification corresponding with the product information of insuring is determined according to the classification of insuringRange；Declaration form corresponding with the customer number is searched in the verification range according to the customer number；If having searched pairThe declaration form answered, then application of insuring described in refusal.
Classification of insuring described in the basis in one of the embodiments, determines school corresponding with the product information of insuringRange is tested, including：Search Sales Channel corresponding with the classification of insuring, product type and product attribute；According to the saleChannel, product type and product attribute determine verification range corresponding with the product information of insuring.
Classification of insuring described in the basis in one of the embodiments, determines school corresponding with the product information of insuringRange is tested, including：Search Sales Channel corresponding with the classification of insuring, product type and product attribute；It is insured according to describedClassification determines region of search corresponding with the classification of insuring；According to the Sales Channel, product type and product attribute and searchRope region determines verification range corresponding with the product information of insuring.
It is described according to the Sales Channel, product type and product attribute and the field of search in one of the embodiments,Domain determines verification range corresponding with the product information of insuring, including：Determine Sales Channel corresponding with described search region；It is determined and the product letter of insuring according to the product type, product attribute and Sales Channel corresponding with described search regionCease corresponding verification range.
The user information includes name, gender, type of credential, certificate number and date of birth in one of the embodiments,Phase；Described to search customer number corresponding with the user information, the customer number is used for one user of unique mark, packetIt includes：The first result set corresponding with name is filtered out according to the user information, is filtered out in first result set and propertyNot corresponding second result set, filters out third result corresponding with type of credential and certificate number in second result setCollection determines customer number corresponding with the date of birth in third result set.
A kind of device for verification of insuring, described device include：First extraction module extracts institute for receiving application of insuringState the user information carried in insuring application；Number searching module, for searching customer number corresponding with the user information,The customer number is used for one user of unique mark；Second extraction module, for according to described in insure application extraction with it is describedIt insures and applies for corresponding product information of insuring；Category determination module is determined for product information of insuring according to and is insured with thisThe corresponding classification of insuring of product information；Range determination module determines and the product letter of insuring for classification of insuring according toCease corresponding verification range；Search module is compiled for being searched in the verification range according to the customer number with the clientNumber corresponding declaration form；Refuse module, if for having searched corresponding declaration form, application of insuring described in refusal.
The range determination module is additionally operable to search sale corresponding with the classification of insuring in one of the embodiments,Channel, product type and product attribute determine and the product of insuring according to the Sales Channel, product type and product attributeThe corresponding verification range of information.
The range determination module includes in one of the embodiments,：Searching module, for searching and the class of insuringNot corresponding Sales Channel, product type and product attribute；Area determination module is determined and is somebody's turn to do for classification of insuring according toThe corresponding region of search of classification of insuring；Range determination module is verified, for according to the Sales Channel, product type and product categoryProperty and region of search determine corresponding with the product information of insuring verification range.
It is corresponding with described search region to be additionally operable to determination for the verification range determination module in one of the embodiments,Sales Channel, according to the product type, product attribute and Sales Channel corresponding with described search region determine with it is describedThe corresponding verification range of product information of insuring.
The user information includes name, gender, type of credential, certificate number and date of birth in one of the embodiments,Phase；The number searching module is additionally operable to filter out the first result set corresponding with name according to the user information, describedThe second result set corresponding with gender is filtered out in first result set, filtered out in second result set with type of credential andThe corresponding third result set of certificate number determines customer number corresponding with the date of birth in third result set.
A kind of computer equipment, the computer equipment include memory, processor and are stored on the memory simultaneouslyThe computer program that can be run on the processor, the processor realize following steps when executing the computer program：Reception is insured application, the user information carried in application of insuring described in extraction；Client corresponding with the user information is searched to compileNumber, the customer number is used for one user of unique mark；It is corresponding with the application of insuring according to the application extraction of insuringIt insures product information；Classification of insuring corresponding with the product information of insuring is determined according to the product information of insuring；According to describedClassification of insuring determines verification range corresponding with the product information of insuring；According to the customer number in the verification rangeSearch declaration form corresponding with the customer number；If having searched corresponding declaration form, application of insuring described in refusal.
A kind of computer readable storage medium, is stored thereon with computer instruction, which realizes when being executed by processorFollowing steps：Reception is insured application, the user information carried in application of insuring described in extraction；It searches corresponding with the user informationCustomer number, the customer number be used for one user of unique mark；According to application extraction and the Shen of insuring of insuringCorresponding please insure product information；Classification of insuring corresponding with the product information of insuring is determined according to the product information of insuring；Verification range corresponding with the product information of insuring is determined according to the classification of insuring；According to the customer number in the schoolTest search declaration form corresponding with the customer number in range；If having searched corresponding declaration form, application of insuring described in refusal.
Method, apparatus, computer equipment and the storage medium of above-mentioned verification of insuring, by the Shen of insuring for receiving userPlease, the user information carried in insuring application is extracted, customer number corresponding with the user information is searched, is determined and product of insuringThe corresponding classification of insuring of information, according to insuring, classification determines verification range corresponding with product information of insuring, according to customer numberDeclaration form corresponding with the customer number is searched within the scope of the verification refuses above-mentioned insure if having searched corresponding declaration formApplication.The method achieve whole process, and verification is performed fully automatic, time saving and energy saving, and the range for verification of insuring is from original needleFor single product, the classification of insuring that the product belongs to is extended to, the range by expanding verification of insuring, which reduces, subsequently holdsThe risk of guarantor.
Specific implementation mode
In order to make the purpose , technical scheme and advantage of the present invention be clearer, with reference to the accompanying drawings and embodiments, rightThe present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, andIt is not used in the restriction present invention.
As shown in Figure 1, for the internal structure schematic diagram of one embodiment Computer equipment.The computer equipment can beTerminal can also be server.Terminal can be personal computer or mobile electronic device, mobile electronic device include mobile phone,At least one of tablet computer, personal digital assistant or Wearable etc..Server can be independent server,It can be server cluster.Referring to Fig.1, which includes the processor connected by system bus, non-volatile depositsStorage media, built-in storage, network interface.Wherein, the non-volatile memory medium of the computer equipment can storage program area andComputer-readable instruction, the computer-readable instruction are performed, and processor may make to execute a kind of method for verification of insuring.It shouldThe processor of computer equipment supports the operation of entire computer equipment for providing calculating and control ability.The built-in storageIn can store computer-readable instruction, when which is executed by processor, processor may make to execute one kindIt insures the method for verification.The network interface of computer equipment is for carrying out network communication.It will be understood by those skilled in the art that figureStructure shown in 1 is not constituted and is answered application scheme only with the block diagram of the relevant part-structure of application schemeWith the restriction of computer equipment thereon, specific computer equipment may include than more or fewer portions as shown in the figurePart either combines certain components or is arranged with different components.
As shown in Fig. 2, in one embodiment it is proposed that a kind of method for verification of insuring, this method can be applied to endIn end or server, following steps are specifically included：
Step 202, application of insuring is received, the user information carried in insuring application is extracted.
In the present embodiment, application of insuring refers to the request of insuring for some insurance products, includes in the request of insuringThere is corresponding product information of insuring, and carry the user information of the user that insures, wherein user information includes name, propertyNot, type of credential, certificate number and date of birth.Wherein, there are many type of credential, such as identity card, passport, officer's identity card etc., it usesThe acquisition of family information can be received the interface of user information input by terminal display after receiving and insuring request, pass throughThe interface receives user information input by user.
Step 204, customer number corresponding with user information is searched, customer number is used for one user of unique mark.
In the present embodiment, it after getting user information, needs to be searched according to the user information corresponding with the user informationCustomer number, customer number be insurance company be insurer distribution unique mark, be used for one user of unique mark.And it is objectiveFamily number is corresponding with user information, wherein user information includes name, gender, type of credential, certificate number and date of birthPhase.That is, customer number is corresponding with multiple information such as name, type of credential, certificate number and date of birth, that is, searchIt is needed when customer number while meeting multiple conditions.In one embodiment, the process of customer number is searched according to user informationThe algorithm of searching loop may be used, for example, the data result collection Z1 for meeting " name " condition is filtered out first, then in Z1 collectionIt is middle traverse meet " gender " condition obtain data result collection Z2, concentrate traversal type of credential and certificate number to obtain in Z2 laterData result collection Z3 meets the result set of all conditions to get to the customer number of the user until finding.If do not looked intoThe customer number for finding the user illustrates that the client did not throw guarantor before, the secondary behavior insured also just is not present.
Step 206, product information of insuring corresponding with application of insuring is extracted according to application of insuring.
In the present embodiment, application of insuring is the request of insuring for being directed to some product, so can according to application of insuringTo extract product information of insuring corresponding with the application of insuring.Product information of insuring includes the title of product, the insurance kind of productAttribute, product identification etc., wherein the insurance kind attribute of product refers to which insurance kind product belongs to, for example, health insurance or accident insuranceRefer to the mark for being uniquely product distribution Deng, product identification, for this product of unique mark.
Step 208, classification of insuring corresponding with the product information of insuring is determined according to product information of insuring.
In the present embodiment, it since there are many similar products of insurance products, if is searched for as traditional approachWhether user has insured the product of insuring of this application before, and such search result too limits, and is unfavorable for control and insuresRisk, so need the range of search is enlarged, by search be expanded in the range generic with the product of insuring.Further, in order to more accurately carry out verification of insuring, the range of search should include having accepted insurance declaration form and insuringDeclaration form.Specifically, after getting and insuring product information, classification of insuring accordingly is determined according to the product information of insuring.It insuresClassification of insuring belonging to product divides in advance, and specific division methods may be used multivariate classification algorithm and classify.For example,It can be classified to insurance products according to product type and product attribute, wherein product type is divided into personal type and groupTwo class of type, product attribute refer to the insurance kind type belonging to the product, for example, belong to health insurance or accident insurance or other.The corresponding product type of each product and product attribute are all unique, it is possible to while according to product type and product categoryProperty classifies to corresponding product.For example, it is assumed that product type is divided into 2 kinds, and insurance kind type is divided into 6 kinds, then passing throughDifferent products can be divided into 12 classes by permutation and combination.In addition, insurance company includes there are many Sales Channel, Sales Channel isRefer to a variety of marketing methods such as the mode, including bank's sale, business personnel's sale, online sales promotion of product sale.Due to differenceThe corresponding Sales Channel of classification of insuring is often different, and same classification of insuring tends not to corresponding all Sales Channels, for example,If one shares 6 kinds of Sales Channels, certain one kind insure classification product may only corresponding wherein 2 kinds of Sales Channels, soIt, can also will be corresponding after having been determined according to product type and product attribute and insuring classification in order to improve the speed of subsequent searchesSales Channel carry out corresponding storage with the classification of insuring, i.e., the classification that will insure and product attribute, product type and Sales ChannelCarry out corresponding storage together, it is follow-up once it is determined that classification of insuring, is equivalent to that product corresponding with the classification of insuring is determinedAttribute, product type and Sales Channel.
Step 210, verification range corresponding with product information of insuring is determined according to classification of insuring.
In the present embodiment, verification model corresponding with product information of insuring is determined according to the classification of insuring insured belonging to productIt encloses, wherein classification of insuring is divided previously according to multiple factors, if for example, pre- before this according to product type and productWhat attribute was divided, then the classification that can be insured according to this determines corresponding product type and product attribute, it then will productionCategory type and product attribute determine corresponding verification range as the restrictive condition of search.If pre- will insure before this classification and productType, product attribute and Sales Channel are associated storage, then being assured that corresponding pin according to classification of insuringSell channel (may be a variety of), product type (personal or group) and product attribute (insurance kind type), by by Sales Channel, produceThe restrictive condition of category type and product attribute as search is searched for corresponding with customer number subsequently in the case of the restrictive conditionDeclaration form.
Step 212, declaration form corresponding with the customer number is searched in verification range according to customer number.
In the present embodiment, it in order to improve the speed of search, first, is carried out according to classification is insured to verifying range accordinglyLimitation, in this way can be quickly found out according to customer number within the scope of the verification of the limitation and the matched guarantor of customer numberIt is single.In one embodiment, classification of insuring is, an insure classification corresponding with Sales Channel, product attribute and product typeMultiple Sales Channels can be corresponded to, so when being scanned for according to customer number, fuzzy matching algorithm may be used in Sales ChannelIt is screened, what product type and product attribute were to determine, it is possible to be screened using exact matching algorithm.According to visitorFamily number scans for corresponding with the customer number in the range of being limited by product type, product attribute and Sales ChannelDeclaration form.Wherein, declaration form includes the declaration form accepted insurance and the declaration form insured.
Step 214, if having searched corresponding declaration form, refuse application of insuring.
In the present embodiment, if having been searched within the scope of the verification of limitation by customer number corresponding with customer numberDeclaration form illustrates that the user has been directed to identical product or same class product was insured before, this time application of insuring belongs toIt is secondary to insure, so refusing this application of insuring.Otherwise do not search, then illustrate be not it is secondary insure, can receive correspondingApplication of insuring.By carrying out verification of insuring to the product information of insuring that application is directed to of insuring, secondary throwing can effectively preventThe behavior of guarantor effectively prevents the behavior that malice is insured, greatly reduces follow-up peril insured against, it refers to insurance to accept insurancePeople thinks to meet underwriting conditions and agrees to receive insurer's application, undertake declaration form after insurer proposes to protect request through auditThe behavior of contracted insurance responsibility.
In the present embodiment, by receiving the application of insuring of user, the user information carried in insuring application is extracted, is searchedCustomer number corresponding with the user information determines classification of insuring corresponding with product information of insuring, and according to insuring, classification determinesVerification range corresponding with product information of insuring is searched for according to customer number within the scope of the verification corresponding with the customer numberDeclaration form refuses above-mentioned application of insuring if having searched corresponding declaration form.The method achieve whole process, and school is performed fully automaticIt tests, it is time saving and energy saving, and the range for verification of insuring is insured from original just in single product, extend to that the product belongs toClassification, the range by expanding verification of insuring reduce follow-up peril insured against.
As shown in figure 3, in one embodiment, according to insuring, classification determines verification range corresponding with product information of insuringStep 210 include：
Step 210A searches Sales Channel corresponding with classification of insuring, product type and product attribute.
In the present embodiment, classify in advance to product, each product can be corresponding with corresponding classification of insuring, and throwIt protects classification to be divided according to product type, product attribute and corresponding Sales Channel, product type refers to group or aPeople, product attribute refer to the insurance kind belonging to the product, for example, being health insurance or accident insurance or vehicle insurance etc..Sell canalRoad refers to the marketing method insured corresponding to the product of classification, for example, be promoted by online sales or business personnel or itsHis marketing method a, wherein classification of insuring can correspond to multiple Sales Channels.There are many kinds of total Sales Channels, and eachClassification may only correspond to one of those or two, by the way that Sales Channel corresponding with classification of insuring is arranged, is conducive to improve and searchThe speed of rope.For example, during total Sales Channel has 12, the product of a certain classification only corresponds to wherein 2 kinds of Sales Channels, then subsequentlyOnly need to search in 2 kinds of Sales Channels when searching can, avoid and carried out in other 10 kinds of Sales ChannelsSearch, improves the efficiency of search.
Step 210B determines verification corresponding with product information of insuring according to Sales Channel, product type and product attributeRange.
In the present embodiment, after Sales Channel corresponding with classification of insuring, product type and product attribute is determined, justVerification range can be limited according to the Sales Channel, product type and product attribute.For example, if it is determined that sale canalRoad has only corresponded to online sales and bank's sale, and product type is individual, and product attribute is health insurance, then can be according to thisA little conditions limit verification range, and corresponding search efficiency is improved when convenient for subsequently being searched according to customer number.
As shown in figure 4, in one embodiment, according to insuring, classification determines verification range corresponding with product information of insuringStep 210 include：
Step 210a searches Sales Channel corresponding with classification of insuring, product type and product attribute.
Step 210b, according to insuring, classification determines region of search corresponding with the classification of insuring.
Step 210c is determined and product letter of insuring according to Sales Channel, product type and product attribute and region of searchCease corresponding verification range.
In the present embodiment, due to the development in each area difference, different regions are suitble to the product of sale will be different,The product of certain classifications is only suitable for specific region, is not appropriate for all areas.So for different classifications of insuring product itsIt is corresponding with different sales regions.In order to improve the speed of search, Sales Channel corresponding with classification of insuring, product are being foundAfter type and product attribute, it is also necessary to determine corresponding region of search (i.e. sales region) according to classification of insuring, then willSales Channel, product type, product attribute and corresponding region of search determine and product information of insuring together as restrictive conditionCorresponding verification range.For example, the product of some classifications of insuring be only suitable for a line city sell, for example, Beijing, onSea, Shenzhen and Guangzhou etc., then with regard to only needing to be searched in the range of a line city when subsequently being scanned for according to customer numberRope, and without traversing each area, the time of search is greatly saved.
As shown in figure 5, in one embodiment, according to Sales Channel, product type and product attribute and region of searchDetermine that the step 210c of verification range corresponding with product information of insuring includes：
Step 502, Sales Channel corresponding with region of search is determined；
Step 504, it determines and insures according to product type and product attribute and Sales Channel corresponding with region of searchThe corresponding verification range of product information.
In the present embodiment, due to the difference in each area, not all Sales Channel all adapts to each area.SoIn order to further increase subsequent search efficiency, region of search corresponding with product information of insuring is being determined according to classification of insuringAfterwards, it is also necessary to filter out the Sales Channel for meeting each region of search, then according to the corresponding Sales Channel in each region of search,Product attribute and product type determine verification range corresponding with product information of insuring.For example, it is assumed that insure with determiningThere are three the corresponding regions of search of classification, for example, Beijing, Shanghai, Shenzhen.It is suitble to the Sales Channel of Beijing area that may have threeA, there are four the Sales Channel possibility for being suitble to sea region, is suitble to the Sales Channel in Shenzhen region that may there was only two, soWhen search, it can determine and insure in conjunction with product attribute and product type according to the corresponding Sales Channel in each region of searchThe corresponding verification range of product information.It specifically, can be by adding some constraintss on the basis of original search formulaIt realizes, original search formula is expressed as：S=g (z, y, h (r1,r2,r3)), wherein z indicates that customer number, y indicate the field of searchDomain, h (r1,r2,r3) indicate classification of insuring, r1Indicate Sales Channel, r2Indicate product type, r3Indicate product attribute.It is increasedConstraints can be expressed as：m(r1, y) and ＞ 0, m (r2, y) and ＞ 0.Wherein, the principle of m functions is：If in the region of search memoryThen it is being more than 0.So final search formula can be expressed as：S=g (z, y, h (r1,r2,r3),m(r1, y) and ＞ 0, m (r2,y)＞ 0).
In one embodiment, user information includes name, gender, type of credential, certificate number and date of birth；Search withThe corresponding customer number of user information, step 204 of the customer number for one user of unique mark include：According to user informationThe first result set corresponding with name is filtered out, the second result set corresponding with gender is filtered out in the first result set,Third result set corresponding with type of credential and certificate number is filtered out in two result sets, the determining and date of birth in third result setPhase corresponding customer number.
In the present embodiment, user information includes name, gender, type of credential, certificate number and date of birth.Pass through cycleErgodic algorithm filters out the first result set corresponding with name successively, is then searched in first result set corresponding with genderSecond result set searches for third result set corresponding with type of credential and certificate number, in third result in the second result setIt concentrates and searches for customer number corresponding with the date of birth.That is, customer number is and name, gender, type of credential, certificateNumber and the date of birth this five information it is one-to-one, can be with unique match a to customer number according to this five information.ToolBody, pass through z=f (x1,x2,x3,x4,x5) obtain customer number, wherein x1, x2, x3, x4And x5Respectively indicate name, gender,Type of credential, certificate number and date of birth, principle are：It is x first to filter out name1Data result collection Z1, Z1 concentrate traverseGender is x2, data result collection Z2, such searching loop are obtained, meets all conditions x until finding1, x2, x3, x4, x5ResultCollection.
In one embodiment, in the step for determining Sales Channel corresponding with classification of insuring, product type and product attributeBefore rapid, further include：Classified to product according to Sales Channel, product type and product attribute, is determined and each productThe corresponding classification of insuring of information, and stored.
In the present embodiment, in order to which the accuracy and raising that improve verification of insuring are insured the efficiency of verification, first, according toSales Channel, product type and product attribute classify to each product, determine insure corresponding with each product informationClassification, and determining classification and Sales Channel of insuring, product type and product attribute are subjected to corresponding storage.Wherein, canal is soldRoad includes a variety of Sales Channel modes such as bank's sale, business personnel's sale, online sales promotion, and product type is group or aPeople, product attribute refer to insurance kind type.Wherein, the product with like products attribute and product type is divided into one kind, isConvenient for the follow-up efficiency for improving search, by corresponding with the product attribute and product type Sales Channel together as production of insuringThe class condition of product carries out corresponding storage.
As shown in fig. 6, in one embodiment it is proposed that a kind of device for verification of insuring, the device include：
First extraction module 602, for receiving application of insuring, the user information carried in application of insuring described in extraction；
Number searching module 604, for searching customer number corresponding with the user information, the customer number is used forOne user of unique mark；
Second extraction module 606 extracts product of insuring corresponding with the application of insuring for application of insuring according toInformation；
Category determination module 608 determines throwing corresponding with the product information of insuring for product information of insuring according toProtect classification；
Range determination module 610 determines verification corresponding with the product information of insuring for classification of insuring according toRange；
Search module 612, it is corresponding with the customer number for being searched in the verification range according to the customer numberDeclaration form；
Refuse module 614, if for having searched corresponding declaration form, application of insuring described in refusal.
In one embodiment, the range determination module 610 is additionally operable to search sale corresponding with the classification of insuringChannel, product type and product attribute determine and product information of insuring according to the Sales Channel, product type and product attributeCorresponding verification range.
As shown in fig. 7, in one embodiment, range determination module 610 includes：
Searching module 610A, for searching Sales Channel corresponding with the classification of insuring, product type and product attribute；
Area determination module 610B determines region of search corresponding with the classification of insuring for classification of insuring according to；
Range determination module 610C is verified, for according to the Sales Channel, product type and product attribute and searchRegion determines verification range corresponding with the product information of insuring.
In one embodiment, it is corresponding with described search region to be additionally operable to determination by the verification range determination module 610CSales Channel, according to the product type and product attribute and Sales Channel corresponding with described search region determine with it is describedThe corresponding verification range of product information of insuring.
In one embodiment, the user information includes name, gender, type of credential, certificate number and date of birth；InstituteIt states number searching module 604 to be additionally operable to filter out the first result set corresponding with name according to the user information, describedThe second result set corresponding with gender is filtered out in one result set, is filtered out in second result set and type of credential and cardThe corresponding third result set of piece number determines customer number corresponding with the date of birth in third result set.
In one embodiment it is proposed that a kind of computer equipment, the computer equipment include memory, processor andIt is stored in the computer program that can be run on the memory and on the processor, the processor executes the computerFollowing steps are realized when program：Reception is insured application, the user information carried in application of insuring described in extraction；It searches and the useThe corresponding customer number of family information, the customer number are used for one user of unique mark；According to it is described insure application extraction withThe corresponding product information of insuring of application of insuring；It is determined according to the product information of insuring corresponding with the product information of insuringIt insures classification；Verification range corresponding with the product information of insuring is determined according to the classification of insuring；It is compiled according to the clientDeclaration form corresponding with the customer number is searched for number in the verification range；If having searched corresponding declaration form, described in refusalIt insures application.
In one embodiment, classification of insuring described in the basis performed by the processor determines and the product letter of insuringCorresponding verification range is ceased, including：Search Sales Channel corresponding with the classification of insuring, product type and product attribute；RootVerification range corresponding with the product information of insuring is determined according to the Sales Channel, product type and product attribute.
In one embodiment, classification of insuring described in the basis performed by the processor determines and the product letter of insuringCorresponding verification range is ceased, including：Search Sales Channel corresponding with the classification of insuring, product type and product attribute；RootRegion of search corresponding with the classification of insuring is determined according to the classification of insuring；According to the Sales Channel, product type and productAttribute and region of search determine verification range corresponding with the product information of insuring.
In one embodiment, performed by the processor according to the Sales Channel, product type and product attributeAnd region of search determines verification range corresponding with the product information of insuring, including：Determination is corresponding with described search regionSales Channel；According to the product type, product attribute and Sales Channel corresponding with described search region determination and instituteState the corresponding verification range of product information of insuring.
In one embodiment, the user information includes name, gender, type of credential, certificate number and date of birth；InstituteThe lookup customer number corresponding with the user information performed by processor is stated, the customer number is used for unique mark oneUser, including：The first result set corresponding with name is filtered out according to the user information, is screened in first result setGo out the second result set corresponding with gender, third corresponding with type of credential and certificate number is filtered out in second result setResult set determines customer number corresponding with the date of birth in third result set.
In one embodiment it is proposed that a kind of computer readable storage medium, is stored thereon with computer instruction, this refers toFollowing steps are realized when order is executed by processor：Reception is insured application, the user information carried in application of insuring described in extraction；It looks intoCustomer number corresponding with the user information, the customer number is looked for be used for one user of unique mark；It is insured according to describedProduct information of insuring corresponding with the application of insuring is extracted in application；It is determined and the product of insuring according to the product information of insuringThe corresponding classification of insuring of information；Verification range corresponding with the product information of insuring is determined according to the classification of insuring；According toThe customer number searches for declaration form corresponding with the customer number in the verification range；If having searched corresponding declaration form,Then insure application described in refusal.
In one embodiment, classification of insuring described in the basis performed by the processor determines and the product letter of insuringCorresponding verification range is ceased, including：Search Sales Channel corresponding with the classification of insuring, product type and product attribute；RootVerification range corresponding with the product information of insuring is determined according to the Sales Channel, product type and product attribute.
In one embodiment, classification of insuring described in the basis performed by the processor determines and the product letter of insuringCorresponding verification range is ceased, including：Search Sales Channel corresponding with the classification of insuring, product type and product attribute；RootRegion of search corresponding with the classification of insuring is determined according to the classification of insuring；According to the Sales Channel, product type and productAttribute and region of search determine verification range corresponding with the product information of insuring.
In one embodiment, performed by the processor according to the Sales Channel, product type and product attributeAnd region of search determines verification range corresponding with the product information of insuring, including：Determination is corresponding with described search regionSales Channel；According to the product type, product attribute and Sales Channel corresponding with described search region determination and instituteState the corresponding verification range of product information of insuring.
In one embodiment, the user information includes name, gender, type of credential, certificate number and date of birth；InstituteThe lookup customer number corresponding with the user information performed by processor is stated, the customer number is used for unique mark oneUser, including：The first result set corresponding with name is filtered out according to the user information, is screened in first result setGo out the second result set corresponding with gender, third corresponding with type of credential and certificate number is filtered out in second result setResult set determines customer number corresponding with the date of birth in third result set.
One of ordinary skill in the art will appreciate that realizing all or part of flow in above-described embodiment method, being can be withRelevant hardware is instructed to complete by computer program, which can be stored in a computer-readable storage and be situated betweenIn matter, the program is when being executed, it may include such as the flow of the embodiment of above-mentioned each method.Wherein, storage medium above-mentioned can beThe non-volatile memory mediums such as magnetic disc, CD, read-only memory (Read-Only Memory, ROM) or random storage noteRecall body (Random Access Memory, RAM) etc..
Each technical characteristic of embodiment described above can be combined arbitrarily, to keep description succinct, not to above-mentioned realityIt applies all possible combination of each technical characteristic in example to be all described, as long as however, the combination of these technical characteristics is not depositedIn contradiction, it is all considered to be the range of this specification record.
Several embodiments of the invention above described embodiment only expresses, the description thereof is more specific and detailed, but simultaneouslyIt cannot therefore be construed as limiting the scope of the patent.It should be pointed out that coming for those of ordinary skill in the artIt says, without departing from the inventive concept of the premise, various modifications and improvements can be made, these belong to the protection of the present inventionRange.Therefore, the protection domain of patent of the present invention should be determined by the appended claims.