Insurance risk management and control method based on biometric identification technology

A biometric and technical technology, applied in the field of insurance risk management and control, can solve the problems of low probabilistic security, low collection efficiency, low efficiency, etc., and achieve the effect of improving the level of informatization

Inactive Publication Date: 2016-01-06
PEOPLE'S INSURANCE COMPANY OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] Existing risk control technologies have not innovated on the encryption of the policyholder's biometric features, and a single feature collection method, such as fingerprint collection, often encounters problems such as inaccurate collection and low collection efficiency, and fingerprint collection is als

Method used

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  • Insurance risk management and control method based on biometric identification technology
  • Insurance risk management and control method based on biometric identification technology
  • Insurance risk management and control method based on biometric identification technology

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Experimental program
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Embodiment Construction

[0035] Such as figure 1 As shown, when the policyholder applies for insurance, the operator collects the biological information of the policyholder through the biometric collection device, and the biometric collection device collects the biological characteristics of the policyholder by obtaining the collection rules in the database server. Next, configure the collection rules of the database server. This configuration includes selecting the sampling sequence of biometric features, the number of sampling times, and the encryption method after sampling. Sampling is carried out, and the collected biological characteristics of the policyholder are first stored in the temporary storage area of ​​the biological characteristic collection device, and then transmitted to the database server through the network after being confirmed by the operator. The biological characteristic collection device includes a specific machine code, and the device is connected to the database server Verif...

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PUM

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Abstract

The invention provides an insurance risk management and control method based on a biometric identification technology. A collection area is used for collecting and recording biometric features and associated data of a user. A transfer area circulates and transfers the data recorded by the collection area and transfers the data to a database server. An authentication area which is used for comparing the biometric features and a storage area according to established rules. If authentication is passed, a corresponding result is returned according to the rules, and at the same time the biometric features are updated to the storage area. If authentication fails, failed authentication is returned. The storage area is used for storing all biometric feature data of the user and storing the structured data in a database. A rule area is used for pre-setting the rules and acquiring corresponding rules for the transfer area and the authentication area. According to the invention, limitations of existing insurance risk management and control equipment, area, budget and the like are broken; the biometric feature data are intelligently stored; and insurance risk management and control information level is effectively enhanced.

Description

technical field [0001] The invention relates to an insurance risk management and control method based on biometric identification technology, and belongs to the technical field of insurance risk management and control. Background technique [0002] The risk management and control of insurance companies means that the risk managers of insurance companies take various measures and methods to control the risks of policyholders to help eliminate or reduce the various possibilities of risk events, and reduce the risk caused by risk events. loss. [0003] The unique identification and accurate identification of insurance policyholders and insured persons is crucial to the risk management of insurance companies, and it is also an important means and technical guarantee to prevent various moral risks and credit risks; in view of the above technical problems, only To identify the identity of the policyholder with a single technical means, in the process, it needs to consume a lot of...

Claims

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Application Information

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IPC IPC(8): G06Q40/08G06K17/00
Inventor 邵利铎孙杰平刘晗
Owner PEOPLE'S INSURANCE COMPANY OF CHINA
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