Summary of the invention
The main purpose of the present invention is to provide a kind of risk management and control method of insurance business, device, equipment and storagesMedium, it is intended to which insurance system when being insured out list, ask by the technology that can not effectively evade control unknown risks in the prior art for solutionTopic.
To achieve the above object, the present invention provides a kind of risk management and control method of insurance business, the method includes withLower step:
Obtain user's information currently entered of insuring, several service attributes that information of insuring described in determination includes；
Validation checking is carried out to each service attribute by preset rules, obtains testing result；
Security verification is carried out to the information of insuring, and when verification passes through, according to the testing result and the throwingBreath information-preserving generates file of insuring.
Preferably, described that validation checking is carried out to each service attribute by preset rules, obtain testing result, comprising:
Each service attribute is traversed, and using the service attribute traversed as service attribute to be detected；
Determine the corresponding attribute-bit to be matched of the service attribute to be detected and type of service；
Identification information corresponding with the type of service is searched, includes that the type of service is corresponding in the identification informationService attribute mark；
The attribute-bit to be matched is matched according to the identification information；
In successful match, determine that the service attribute to be detected is effective traffic attribute, and generate and the industry to be measuredThe corresponding matching result of business attribute；
After completing traversal to each service attribute, using the corresponding matching result of each service attribute as the testing result.
It is preferably, described to search identification information corresponding with the type of service, comprising:
Identification information corresponding with the type of service is searched in mapping relations, storage has business in the mapping relationsCorresponding relationship between type and identification information.
Preferably, the method also includes:
Add instruction in response to the mark of user's input, according to the determining target service type of mark addition instruction andService attribute mark to be added；
Target identification information corresponding with the target service type is searched, and service attribute to be added mark is added toIn the target identification information.
Preferably, it is described the attribute-bit to be matched is matched according to the identification information after, the methodFurther include:
When it fails to match, determine that the service attribute to be detected is invalid service attribute；
The invalid service attribute is marked, the invalid service attribute after label is saved to default file and is pressed from both sides；
Failure prompt of insuring is generated according to the invalid service attribute after label, and the failure prompt of insuring is opened upShow.
Preferably, described that security verification is carried out to the information of insuring, and when verification passes through, tied according to the detectionFruit and the information of insuring generate file of insuring, comprising:
The personal essential information for including in information of insuring described in extraction verifies the personal essential information；
When verification passes through, the user terminal of Xiang Suoshu user sends image capture instruction, so that the user terminal is adoptedCollect and feed back the current image information of the user；
The current image information is sent to public security system and carries out online checking；
When verification passes through, file of insuring is generated according to the testing result and the information of insuring.
Preferably, described when verification passes through, according to the testing result and it is described insure information generation insure file itAfterwards, the method also includes:
The file of insuring is sent to the user terminal of the user, so that the user terminal is to the file of insuringIt is shown；
In response to the file confirmation instruction of insuring that user is inputted by the user terminal, the file of insuring is protectedIt deposits.
In addition, to achieve the above object, the present invention also proposes a kind of risk management and control device of insurance business, described device packetInclude: attribute obtains module, detection of attribute module and file generating module；
The attribute obtains module, and for obtaining user's information currently entered of insuring, information of insuring described in determination includesSeveral service attributes；
The detection of attribute module obtains detection knot for carrying out validation checking to each service attribute by preset rulesFruit；
The file generating module, for carrying out security verification to the information of insuring, and when verification passes through, according toThe testing result and the information of insuring generate file of insuring.
In addition, to achieve the above object, the present invention also proposes a kind of risk management and control equipment of insurance business, the equipment packetIt includes: memory, processor and the risk pipe for being stored in the insurance business that can be run on the memory and on the processorProgram is controlled, the risk management and control program of the insurance business is arranged for carrying out the risk management and control method of insurance business as described aboveThe step of.
In addition, to achieve the above object, the present invention also proposes a kind of storage medium, insurance is stored on the storage mediumThe risk management and control program of business, the risk management and control program of the insurance business realize guarantor as described above when being executed by processorThe step of risk management and control method of dangerous business.
The present invention determines several business categories that information of insuring includes by obtaining user's information currently entered of insuringProperty；Validation checking is carried out to each service attribute by preset rules, obtains testing result；To insuring, information carries out safety schoolIt tests, and when verification passes through, according to testing result and information of insuring generates file of insuring, and realizes file generated in the process to notKnow evading for risk, improve the safety of insurance system, ensure that the safety of user's proprietary information.
Specific embodiment
It should be appreciated that described herein, specific examples are only used to explain the present invention, is not intended to limit the present invention.
Referring to Fig.1, Fig. 1 is that the risk management and control of the insurance business for the hardware running environment that the embodiment of the present invention is related to is setStandby structural schematic diagram.
As shown in Figure 1, the risk management and control equipment of the insurance business may include: processor 1001, such as CPU, communication is totalLine 1002, user interface 1003, network interface 1004, memory 1005.Wherein, communication bus 1002 is for realizing these componentsBetween connection communication.User interface 1003 may include display screen (Display), input unit such as keyboard(Keyboard), optional user interface 1003 can also include standard wireline interface and wireless interface.Network interface 1004 is optionalMay include standard wireline interface and wireless interface (such as WI-FI interface).Memory 1005 can be high speed RAM memory,It is also possible to stable memory (non-volatile memory), such as magnetic disk storage.Memory 1005 optionally may be used alsoTo be independently of the storage device of aforementioned processor 1001.
The risk management and control of insurance business is set it will be understood by those skilled in the art that structure shown in Fig. 1 is not constitutedStandby restriction may include perhaps combining certain components or different component layouts than illustrating more or fewer components.
As shown in Figure 1, as may include operating system, data storage mould in a kind of memory 1005 of storage mediumBlock, network communication module, Subscriber Interface Module SIM and insurance business risk management and control program.
In the risk management and control equipment of insurance business shown in Fig. 1, network interface 1004 is mainly used for and background serverCarry out data communication；User interface 1003 is mainly used for carrying out data interaction with user；The risk management and control of insurance business of the present inventionProcessor 1001, memory 1005 in equipment can be set in the risk management and control equipment of insurance business, the insurance businessRisk management and control equipment the risk management and control program of insurance business stored in memory 1005 is called by processor 1001, and holdThe step of risk management and control method of row insurance business provided in an embodiment of the present invention.
The embodiment of the invention provides a kind of risk management and control methods of insurance business, are that the present invention is a kind of referring to Fig. 2, Fig. 2The flow diagram of the risk management and control method first embodiment of insurance business.
In the present embodiment, it the described method comprises the following steps:
Step S10: user's information currently entered of insuring, several business categories that information of insuring described in determination includes are obtainedProperty.
It should be noted that the executing subject of the present embodiment method can be the risk management and control equipment of above-mentioned insurance business,The equipment can be a kind of calculating service equipment with data processing, storage and communication function, such as the core of insurance systemServer etc..Below by taking server as an example, the present embodiment and following each embodiments are illustrated.
In the concrete realization, server receiving terminal (such as: mobile phone, tablet computer, PC) passes through external collaborationThe information of insuring that the network platform (such as: wechat, microblogging, Alipay etc. insure channel) of partner is sent.The information of insuring canIt include: at least one of identity information, phone number, age, occupation, income, insured items of insurer etc..Insured itemsDifference, corresponding information of insuring is not also identical, for example, if insure delayed flight danger, it is only necessary to obtain the identity information of user, the identity information of user is for one user of unique identification.
It should be noted that service attribute described in the present embodiment can include: mechanism of insuring, channel of insuring, insurance kind of insuring(such as business risk, compulsory insurance for traffic accident of motor-drivenvehicle), systemic origin (source of the external system i.e. outside insurance company's core system) etc., such as: visitorFamily A has purchased safety juvenile's accident health insurance by Alipay platform, then the insurance system of Ping An Insurance Company is core systemSystem, the corresponding system of Alipay platform is external system, the systemic origin, that is, Alipay platform.
Step S20: validation checking is carried out to each service attribute by preset rules, obtains testing result.
It should be noted that the preset rules can be the preset inspection detected to different service attributesSurvey mode or detection order.The validation checking can be to detect whether each service attribute is legal effective, such as:Whether the channel of insuring for detecting user is regular channel of insuring, and whether mechanism of insuring is regular mechanism of insuring of state approval etc..
In the concrete realization, the server can carry out validity to each service attribute according to preset detected ruleDetection, and obtain the testing result of validation checking.
Step S30: security verification is carried out to the information of insuring, and when verification passes through, according to the testing resultFile of insuring is generated with the information of insuring.
It should be understood that the throwing in the file of insuring that server can also submit user before the file of insuring for generating userBreath information-preserving carries out safety detection, and the classification of safety detection includes but is not limited to identity information, occupation, payment information, historyRecord, phone number, insured amount and/or this discount for insuring enjoyed of insuring are preferential etc..
In the concrete realization, after carrying out security verification to information of insuring and passing through, the server will can be obtained in advanceEach service attribute validation checking result as insuring file generated foundation, be the visitor according to the information of insuring that client submitsFamily generates file of insuring.
The present embodiment determines several business categories that information of insuring includes by obtaining user's information currently entered of insuringProperty；Validation checking is carried out to each service attribute by preset rules, obtains testing result；To insuring, information carries out safety schoolIt tests, and when verification passes through, according to testing result and information of insuring generates file of insuring, and realizes during insuring file generatedControl unknown risks are evaded, have ensured the safety of insurance system.
With reference to Fig. 3, Fig. 3 is a kind of flow diagram of the risk management and control method second embodiment of insurance business of the present invention.
Based on above-mentioned first embodiment, the step S20 be may particularly include in the present embodiment:
Step S201: traversing each service attribute, and using the service attribute traversed as service attribute to be detected.
It will be appreciated that since the information of insuring that each order of insuring is related to is not identical, for the ease of to letter of insuringCease the validation checking that more order of insuring carries out service attribute, it, can be by the throwing of currently submitting user in the present embodimentSeveral service attributes information-preserving that included that cease extract, and then carry out validity inspection to it by the way of traversing one by oneIt surveys.
In the concrete realization, server can traverse each service attribute, and the service attribute currently traversed is madeFor the service attribute next to be detected, i.e., the described service attribute to be detected.
Step S202: the corresponding attribute-bit to be matched of the service attribute to be detected and type of service are determined.
It should be noted that attribute-bit can be the mark letter that this service attribute can be different to other service attributesBreath, such as character, title, number.The type of service can be class of service belonging to different business attribute, such as: it is to be checkedSurvey service attribute be Alipay platform, then corresponding attribute-bit to be matched can be it is preconfigured as ZFB, zhifubao,The attribute-bits such as Alipay, the class of service are channel of insuring.
Specifically, server can first determine the service attribute to be detected after obtaining the service attribute to be detectedType of service belonging to corresponding attribute-bit to be matched and the service attribute to be detected.
Step S203: searching identification information corresponding with the type of service, includes the business in the identification informationThe corresponding service attribute mark of type.
It should be noted that detecting whether different service attributes is to have to realize the risk management and control to insurance businessThe service attribute of effect can configure corresponding identification information to effective service attribute in advance, which, which can be, all kinds of hasThe set of service attribute mark is imitated, such as: it can be by the mark of the platforms such as regular channel Alipay of insuring, safety gold house keeper, wechatKnow information, is respectively configured as the characters such as ZFB, PAJGJ, WX.
Further, in order to realize server after determining the corresponding type of service of service attribute to be detected, realize toThe quick lookup of the corresponding identification information of the type of service.In the present embodiment, a business can be established in the server in advanceDynamic mapping between type and identification information, and staff can also be according to actual needs to the business category for including in identification informationProperty mark modify, update or delete at any time etc. and operate.Specifically, the server can be searched in mapping relations with it is describedThe corresponding identification information of type of service, storage has the corresponding relationship between type of service and identification information in the mapping relations.
Certainly, it in actual conditions, needs to add to the corresponding service attribute mark of some type of service in staffIt added-time, then can be by sending mark addition instruction to server, so that the server is added in response to the mark that user inputsIt instructs, adds to instruct determining that target service type and service attribute to be added are identified according to the mark, then lookup and instituteThe corresponding target identification information of target service type is stated, and service attribute to be added mark is added to the target identification informationIn.
Step S204: the attribute-bit to be matched is matched according to the identification information.
In the present embodiment, the server find with after corresponding identification information, can be according in the identification informationThe service attribute mark for including matches the attribute-bit to be matched, that is, detects whether the attribute-bit to be matched is depositedIt is in the identification information.
Step S205: in successful match, determine that the service attribute to be detected is effective traffic attribute, and generation and instituteState the corresponding matching result of service attribute to be measured.
If detect that the attribute-bit to be matched is present in the identification information, show successful match, at this timeIt is determined that the service attribute to be detected is effective traffic attribute, and generate matching knot corresponding with the service attribute to be measuredFruit.
Certainly, in actual conditions, there may be invalid service attribute in the information of insuring that user submits, such as: it usesFamily has purchased insurance by the channel B that insures, but the channel of insuring that the channel B that insures is not effective, it may be possible to some criminalsThe illegal channel of insuring established, in order to the proprietary information of client is stolen, therefore, in order to avoid this kind of situation,The risk management and control method of insurance business provided in this embodiment is after the step S204 further include: when it fails to match, sentencesThe fixed service attribute to be detected is invalid service attribute；The invalid service attribute is marked, it will be invalid after labelService attribute is saved to default file and is pressed from both sides；Failure prompt of insuring is generated according to the invalid service attribute after label, and to the throwingUnsuccessfully prompt is protected to be shown.Wherein, default file folder, can be pre-establish be used to store the invalid business categoryThe file of property, to facilitate the subsequent authenticity for further verifying these invalid service attributes of staff.
Step S206: after completing traversal to each service attribute, using the corresponding matching result of each service attribute as described inTesting result.
According to aforesaid way, server traverses each service attribute, detects the validity of each service attribute respectively, ifDetect that each service attribute is effective, then obtain the corresponding matching result of each service attribute, and using the matching result of acquisition asThe result of validation checking.
The present embodiment carries out validation checking by each service attribute for including in the information of insuring submitted to user, and is examiningSurvey by when obtain corresponding testing result, so as to guarantee that user insures the validity of information, in guarantee insurance systemWhile normal operation, the property safety of user has also been ensured.
With reference to Fig. 4, Fig. 4 is a kind of flow diagram of the risk management and control method 3rd embodiment of insurance business of the present invention.
Based on the various embodiments described above, step S30 described in the present embodiment be may particularly include:
Step S301: the personal essential information for including in information of insuring described in extraction carries out the personal essential informationIt verifies；
It will be appreciated that individual's essential information may include name, gender, age, the home address, identity of userThe essential informations such as card number.
In the concrete realization, server can extract the above-mentioned personal essential information in the information of insuring that user submits, and rightThese information are verified.
Step S302: when verification passes through, the user terminal of Xiang Suoshu user sends image capture instruction, so that the useFamily terminal acquires and feeds back the current image information of the user；
When verification passes through, in order to guarantee currently to submit the artificial user for information of insuring.The present embodiment server is alsoIn vivo detection can be carried out to user, specifically, server can send image capture instruction to the user terminal of the user, so thatThe user terminal acquires and feeds back the current image information of the user, wherein the user terminal can be with imageAcquire the user equipment of function, such as mobile phone, tablet computer and PC.The present embodiment is without limitation.
Step S303: the current image information is sent to public security system and carries out online checking；
It will be appreciated that the current image information in order to guarantee user and the personal essential information phase in file of currently insuringSymbol, the current image information that user terminal is fed back can be sent to public security system and carry out online checking by the server, to guaranteeVerify the accuracy and authority of result.
Step S304: when verification passes through, file of insuring is generated according to the testing result and the information of insuring.
In the concrete realization, public security system can verify the result letter that pass through after verification passes through to the server feedbackBreath, when server receive it is described verify pass through result information when, can using the testing result as insure file generated according toAccording in blank file of insuring being extracted from database, by the information solicitation extracted from information of insuring to described wait fill outThe file of insuring write, to generate final file of insuring.
Further, in order to guarantee the authentic and valid of file of insuring.In the present embodiment, the server is being generated finallyIt insures after file, the file of insuring can be also sent to the user terminal of the user, so that the user terminal is to describedFile of insuring is shown, and in response to the file confirmation instruction of insuring that user is inputted by the user terminal, to the throwingFile is protected to be saved.
The information of insuring that the present embodiment server is submitted when ultimately generating and insuring file by verifying user, after ensure thatThe authenticity and validity of continuous file generated of insuring, have further ensured the property safety of client.
In addition, the embodiment of the present invention also proposes a kind of storage medium, the wind of insurance business is stored on the storage mediumDanger control program, the risk management and control program of the insurance business realize insurance described in embodiment as above when being executed by processorThe step of risk management and control method of business.
With reference to Fig. 5, Fig. 5 is a kind of structural block diagram of the risk management and control device first embodiment of insurance business of the present invention.
As shown in figure 5, a kind of risk management and control device for insurance business that the present embodiment proposes includes: that attribute obtains module101, detection of attribute module 102 and file generating module 103；
The attribute obtains module 101, for obtaining the information of insuring of user's input, insures what information included described in determinationSeveral service attributes.
The information of insuring can include: the identity information of insurer, phone number, age, occupation, income, insured itemsAt least one of Deng.The difference of insured items, corresponding information of insuring is not also identical, for example, if insuring delayed flight danger, onlyNeed to obtain the identity information of user, the identity information of user is used for one user of unique identification.
It should be noted that service attribute described in the present embodiment can include: mechanism of insuring, channel of insuring, insurance kind of insuring(such as business risk, compulsory insurance for traffic accident of motor-drivenvehicle), systemic origin (source of the external system i.e. outside insurance company's core system) etc., such as: visitorFamily A has purchased safety juvenile's accident health insurance by Alipay platform, then the insurance system of Ping An Insurance Company is core systemSystem, the corresponding system of Alipay platform is external system, the systemic origin, that is, Alipay platform.
The detection of attribute module 102 obtains detection for carrying out validation checking to each service attribute by preset rulesAs a result.
It should be noted that the preset rules can be the preset inspection detected to different service attributesSurvey mode or detection order.The validation checking can be to detect whether each service attribute is legal effective, such as:Whether the channel of insuring for detecting user is regular channel of insuring, and whether mechanism of insuring is regular mechanism of insuring of state approval etc..
The file generating module 103, for carrying out security verification to the information of insuring, and when verification passes through,File of insuring is generated according to the testing result and the information of insuring.
It should be understood that before the file of insuring for generating user, it is also necessary to insuring in the file of insuring submitted to userInformation carries out safety detection, and the classification of safety detection includes but is not limited to identity information, occupation, payment information, history throwingProtect record, phone number, insured amount and/or this discount for insuring enjoyed or preferential etc..
In the concrete realization, after carrying out security verification to information of insuring and passing through, the file generating module 103 can be incited somebody to actionThe validation checking result of each service attribute obtained in advance is as file generated foundation of insuring, the letter of insuring submitted according to clientBreath is that the client generates file of insuring.
The information of insuring that the present embodiment is inputted by obtaining user determines several service attributes that information of insuring includes；Validation checking is carried out to each service attribute by preset rules, obtains testing result；Security verification is carried out to information of insuring, andWhen verification passes through, according to testing result and information of insuring generates file of insuring, and realizes file generated of insuring in the process to notKnow evading for risk, ensures the safety of insurance system.
The other embodiments or specific implementation of the risk management and control device of insurance business of the present invention can refer to above-mentioned each sideMethod embodiment, details are not described herein again.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-rowHis property includes, so that the process, method, article or the system that include a series of elements not only include those elements, andAnd further include other elements that are not explicitly listed, or further include for this process, method, article or system institute it is intrinsicElement.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to doThere is also other identical elements in the process, method of element, article or system.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment sideMethod can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many casesThe former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior artThe part contributed out can be embodied in the form of software products, which is stored in a storage mediumIn (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that a terminal device (can be mobile phone, computer, clothesBusiness device, air conditioner or the network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hairEquivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skillsArt field, is included within the scope of the present invention.