A method and device for determining student insurance qualification

Abstract

The embodiment of the present application discloses a method and device for determining the qualification of school insurance, wherein the method includes: receiving a target user's school insurance subscription request, the school insurance subscription request includes the target user's identity, and sending an information acquisition request to a social security information system, the information acquisition request includes the identity, the information acquisition request is used to request the social security information system to return the educational background information corresponding to the identity, receiving the educational background information returned by the social security information system for the information acquisition request, detecting whether the educational background information matches the preset user information, and if the educational background information matches the preset user information, determining that the target user has passed the school insurance qualification. By adopting the embodiment of the present application, non-students can be prevented from purchasing school insurance, and the stable operation of the insurance fund can be ensured.

Description

Technical Field

[0001] The present application relates to the field of insurance technology, and in particular to a method and device for determining student insurance qualification. Background Art

[0002] With the improvement of people's insurance awareness, many families now have insurance, whether it is the elderly, middle-aged people or children in the family, they are all equipped with corresponding insurance. Among them, school insurance is a type of personal accident insurance, and also a type of group insurance. It is mainly an insurance for primary and secondary school students. Students often voluntarily purchase insurance when they enter school. The school collects the insurance premium on behalf of the insured, and the insured only needs to pay a few dozen yuan in premiums to obtain multiple protections including accidental injuries, accidental injury medical treatment and hospitalization medical treatment. School insurance is the most widely insured and most common insurance for children and teenagers. However, school insurance is only for underage students, and people who are not students or adults cannot buy it. Because school insurance is cheap and has a wide coverage, the identity of students must be strictly reviewed when participating in the insurance. At present, the identity of students is manually confirmed, or the school purchases it uniformly. For insurance companies, they cannot effectively monitor whether the school or the insured person is cheating. In addition, if non-students find that they do not meet the conditions for protection after purchasing and request a refund, it is easy to cause disputes between the insurance company and the insured, and it will also affect the stable operation of the insurance fund. Summary of the invention

[0003] The embodiments of the present application provide a method and device for determining the qualifications of student insurance, aiming to solve the problem that the prior art cannot effectively monitor student insurance. The present application can prevent non-students from purchasing student insurance and ensure the stable operation of the insurance fund.

[0004] In a first aspect, an embodiment of the present application provides a method for determining student insurance eligibility, the method comprising:

[0005] Receive a student insurance subscription request from a target user, where the student insurance subscription request includes an identity identifier of the target user;

[0006] Sending an information acquisition request to the social security information system, the information acquisition request including the identity identifier of the target user, the information acquisition request being used to request the social security information system to return the educational background information corresponding to the identity identifier of the target user;

[0007] Receiving the educational background information returned by the social security information system in response to the information acquisition request;

[0008] Check whether the target user's educational background information matches the preset user information;

[0009] If the educational background information matches the preset user information, it is determined that the target user has passed the education insurance qualification certification.

[0010] In combination with the first aspect, in a possible implementation, the preset user information includes a target age range and a target field. Detecting whether the educational background information of the target user matches the preset user information includes:

[0011] The age of the target user is obtained from the educational information of the target user; whether the age of the target user is within the target age range, and whether the educational information of the target user includes the target field; if the age of the target user is within the target age range and the educational information of the target user includes the target field, it is determined that the educational information matches the preset user information.

[0012] In combination with the first aspect, in a possible implementation, the method also includes: if the age of the target user is within the target age range and the academic information does not include the target field, obtaining the place of study entered by the target user; obtaining student information corresponding to the identity of the target user from the academic database corresponding to the place of study, the student information including the academic status; if it is detected that the academic status in the student information is the target status, determining that the target user has passed the academic insurance qualification certification.

[0013] In combination with the first aspect, in a possible implementation, the method also includes: if it is detected that the student status in the student information is not the target status, obtaining the first school and the first student number input by the target user; obtaining the second student number corresponding to the identity identifier of the target user from the student information system corresponding to the first school; detecting whether the second student number is the same as the first student number; if the second student number is the same as the first student number, determining that the target user has passed the student insurance qualification certification.

[0014] In combination with the first aspect, in a possible implementation, before sending an information acquisition request to the social security information system, the method also includes: acquiring at least one first facial image associated with the identity identification of the target user; acquiring a second facial image of the target user captured; detecting whether there is a first facial image matching the second facial image in the at least one first facial image; if there is a first facial image matching the second facial image in the at least one first facial image, executing the step of sending an information acquisition request to the social security information system.

[0015] In combination with the first aspect, in a possible implementation, before receiving the target user's request to subscribe for school insurance, the method also includes: obtaining original identity data input by the target user, the original identity data including the identity identifier of the target user; if the data format of the original identity data is an image data format, converting the original identity data in the image data format into target identity data in a text data format; and extracting the identity identifier of the target user from the target identity data in the text data format.

[0016] In a second aspect, an embodiment of the present application provides a device for determining student insurance qualification, the device comprising:

[0017] A receiving module, configured to receive a student insurance subscription request from a target user, wherein the student insurance subscription request includes an identity identifier of the target user;

[0018] A sending module, used for sending an information acquisition request to the social security information system, wherein the information acquisition request includes the identity identifier, and the information acquisition request is used for requesting the social security information system to return the educational background information corresponding to the identity identifier of the target user;

[0019] The receiving module is further used to receive the educational background information of the target user returned by the social security information system in response to the information acquisition request;

[0020] The first detection module is used to detect whether the educational background information of the target user matches the preset user information;

[0021] The determination module is used to determine whether the target user has passed the student insurance qualification certification when the academic information matches the preset user information.

[0022] In conjunction with the second aspect, in a possible implementation, the preset user information includes a target age range and a target field. The first detection module is specifically used to: obtain the age of the target user from the educational information of the target user; detect whether the age of the target user is within the target age range, and detect whether the educational information of the target user includes the target field; if the age of the target user is within the target age range, and the educational information of the target user includes the target field, then determine that the educational information matches the preset user information.

[0023] In combination with the second aspect, in a possible implementation, the device also includes: a first acquisition module, used to obtain the school location entered by the target user when the age of the target user is within the target age range and the academic information does not include the target field; a second acquisition module, used to obtain student information corresponding to the identity of the target user from the school database corresponding to the school location, the student information including the school status; the above-mentioned determination module is also used to determine that the target user has passed the school insurance qualification certification when it is detected that the school status in the student information is the target status.

[0024] In combination with the second aspect, in a possible implementation, the device also includes: a third acquisition module, used to obtain the first school and first student number input by the target user when it is detected that the student status in the student information is not the target status; a fourth acquisition module, used to obtain the second student number corresponding to the identity identifier of the target user from the student information system corresponding to the first school; a second detection module, used to detect whether the second student number is the same as the first student number; the above-mentioned determination module is also used to determine that the target user has passed the student insurance qualification certification when the second student number is the same as the first student number.

[0025] In combination with the second aspect, in a possible implementation, the device also includes: a fifth acquisition module, used to acquire at least one first facial image associated with the identity identification of the target user; the fifth acquisition module is also used to acquire the collected second facial image of the target user; a third detection module, used to detect whether there is a first facial image matching the second facial image in the at least one first facial image; the above-mentioned sending module is specifically used to send an information acquisition request to the social security information system when there is a first facial image matching the second facial image in the at least one first facial image.

[0026] In combination with the second aspect, in a possible implementation, the device also includes: a sixth acquisition module, used to obtain the original identity data input by the target user, the original identity data including the identity identifier of the target user; a conversion module, used to convert the original identity data in the image data format into the target identity data in the text data format when the data format of the original identity data is an image data format; and an extraction module, used to extract the identity identifier of the target user from the target identity data in the text data format.

[0027] In a third aspect, an embodiment of the present application provides a terminal comprising a processor, an input device, an output device and a memory, wherein the processor, input device, output device and memory are interconnected, wherein the memory is used to store a computer program that supports the terminal to execute the above-mentioned method, and the computer program comprises program instructions, and the processor is configured to call the program instructions to execute the student insurance qualification certification method of the above-mentioned first aspect.

[0028] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, which stores a computer program, and the computer program includes program instructions, which, when executed by a processor, enable the processor to execute the student insurance qualification certification method of the first aspect mentioned above.

[0029] The embodiment of the present application receives a student insurance subscription request from a target user, the student insurance subscription request includes an identity identifier of the target user, and sends an information acquisition request to a social security information system, the information acquisition request includes the identity identifier, the information acquisition request is used to request the social security information system to return the educational background information corresponding to the identity identifier, receives the educational background information returned by the social security information system in response to the information acquisition request, and detects whether the educational background information matches the preset user information. If the educational background information matches the preset user information, it is determined that the target user has passed the student insurance qualification certification, which can prevent non-students from purchasing student insurance and ensure the stable operation of the insurance fund. BRIEF DESCRIPTION OF THE DRAWINGS

[0030] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0031] Figure 1 It is a schematic flow chart of a method for determining student insurance qualifications provided in an embodiment of the present application;

[0032] Figure 2 is another schematic flow chart of a method for determining student insurance qualifications provided by an embodiment of the present application;

[0033] Figure 3 It is a schematic block diagram of a device for determining student insurance qualification provided by an embodiment of the present application;

[0034] Figure 4 It is a schematic block diagram of a terminal provided in an embodiment of the present application. DETAILED DESCRIPTION

[0035] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0036] It should be understood that the terms "first", "second", etc. in the specification and claims of the present application and the drawings are used to distinguish different objects rather than to describe a specific order. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes a series of steps or units is not limited to the listed steps or units, but may optionally include steps or units that are not listed, or may optionally include other steps or units that are inherent to these processes, methods, products or devices.

[0037] It should also be understood that reference to an "embodiment" herein means that a particular feature, structure, or characteristic described in conjunction with the embodiment may be included in at least one embodiment of the present application. The presentation of the phrase at various locations in the specification does not necessarily refer to the same embodiment, nor is it an independent or alternative embodiment that is mutually exclusive with other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments.

[0038] It should be further understood that the term “and / or” used in the specification and appended claims refers to any combination and all possible combinations of one or more of the associated listed items, and includes these combinations.

[0039] The following will be combined Figures 1 to 4 , the student insurance qualification certification method and device provided in the embodiment of the present application are described.

[0040] See also Figure 1 , is a schematic flow chart of a method for determining student insurance qualifications provided by an embodiment of the present application, such as Figure 1 As shown, the student insurance qualification determination method may include the steps of:

[0041] S101, a terminal receives a student insurance subscription request from a target user.

[0042] In some feasible implementations, the target user can input an identity identifier on the client of the terminal to log in, and can select the school insurance on the client after logging in, and the terminal can receive the school insurance subscription request generated when the target user selects the school insurance. The school insurance subscription request can include the identity identifier of the target user, and the identity identifier can be the ID card number of the target user.

[0043] In some feasible implementations, before the terminal receives the target user's request to subscribe to the school insurance, the target user can input the original identity data on the client of the terminal, and the terminal can obtain the original identity data input by the target user, and the original data includes the identity of the target user. The terminal can detect whether the data format of the original identity data is an image data format. When the data format of the original identity data is an image data format, the terminal can use optical character recognition (OCR) to convert the original identity data in the image data format into the target identity data in the text data format. The terminal can then extract the identity of the target user from the target identity data in the text data format, and can use the identity of the target user to log in on the client of the terminal. When the target user selects school insurance on the client after logging in, the terminal can receive the subscription request for school insurance containing the identity of the target user.

[0044] S102: The terminal sends an information acquisition request to the social security information system.

[0045] S103, the terminal receives the educational background information returned by the social security information system in response to the information acquisition request.

[0046] In some feasible implementations, the terminal may send an information acquisition request to the social security information system, and the information acquisition request may include the identity of the target user. The social security information system may receive the information acquisition request sent by the terminal, and may extract the identity from the information acquisition request, and then may obtain the educational background information corresponding to the identity. The social security information system may send the educational background information corresponding to the identity to the terminal. The terminal may receive the educational background information returned by the social security information system in response to the information acquisition request.

[0047] In some feasible implementations, before sending an information acquisition request to the social security information system, the terminal may obtain at least one first facial image associated with the above-mentioned identity identifier from the information system of the public security bureau. The first facial image may be a facial image of a direct relative of the target user, such as the target user's parents, brothers and sisters. The terminal may start the front camera to capture the current second facial image, and may detect whether there is a first facial image in the at least one first facial image whose similarity value with the second facial image is greater than the target similarity threshold (such as 95%). When there is a first facial image in the at least one first facial image whose similarity value with the second facial image is greater than the target similarity threshold, it indicates that the current owner of the terminal is a direct relative of the target user, and the terminal may send an information acquisition request to the social security information system. Before sending an information acquisition request, the embodiment of the present application detects whether there is a first facial image matching the currently collected second facial image in at least one first facial image associated with the target user's identity identifier, which can prevent the target user's information from being leaked and improve the security of the information.

[0048] In some feasible implementations, the terminal may parse the above-mentioned identity identifier before sending an information acquisition request to the social security information system. Take the identity identifier as an ID card number as an example, because the ID card number consists of a six-digit address code, an eight-digit date of birth code, a three-digit sequence code and a one-digit check code. The terminal can obtain the first six digits of the address code of the ID card number, and can obtain the area identified by the six-digit address code. The terminal can send an information acquisition request to the social security information system of the area. For example, the ID card number is 500108xxxxxxxxx, the terminal extracts the first six digits of the ID card number "500108", and finds the address corresponding to "500108" in the address library as Nan'an District, Chongqing. The terminal finds the social security interface of Chongqing through the "12333" social security query network, and sends an information acquisition request to the social security information system of Chongqing.

[0049] In some feasible implementations, before sending an information acquisition request to the social security information system, the terminal can call the global positioning system GPS module for positioning to determine the current location of the terminal, and can send an information acquisition request to the social security information system at the current location of the terminal.

[0050] S104, the terminal detects whether the educational background information matches the preset user information.

[0051] In some feasible implementations, the terminal may obtain preset user information, which may include a target age range and a target field, the target field may be at least one of a student ID, a school, a class, and a grade, and the target age range may be 5-16 years old. The terminal may obtain the age of the target user from the educational background information, and may detect whether the age of the target user is within the target age range, and whether the educational background information includes the target field. When the age of the target user is within the target age range, and the educational background information includes the target field, it may be determined that the educational background information matches the preset user information. When the age of the target user is outside the target age range, and the educational background information does not include the target field, it may be determined that the educational background information does not match the preset user information.

[0052] S105, if the educational background information matches the preset user information, the terminal determines that the target user has passed the education insurance qualification certification.

[0053] In some feasible implementations, if the above-mentioned educational information matches the above-mentioned preset user information, indicating that the target user is a primary or secondary school student, the terminal can determine that the target user has passed the qualification certification for school insurance, that is, the target user is qualified to purchase school insurance. If the above-mentioned educational information does not match the above-mentioned preset user information, indicating that the target user is not a primary or secondary school student, the terminal can determine that the target user has not passed the qualification certification for school insurance, that is, the target user is not qualified to purchase school insurance. The embodiment of the present application determines whether the target user is qualified to purchase school insurance by judging whether the educational information matches the preset user information, which can prevent non-students from purchasing school insurance and ensure the stable operation of the insurance fund.

[0054] In an embodiment of the present application, the terminal receives a student insurance subscription request from a target user, the student insurance subscription request includes an identity identifier of the target user, and sends an information acquisition request to a social security information system, the information acquisition request includes the identity identifier, the information acquisition request is used to request the social security information system to return the educational background information corresponding to the identity identifier, receives the educational background information returned by the social security information system in response to the information acquisition request, and detects whether the educational background information matches the preset user information. If the educational background information matches the preset user information, it is determined that the target user has passed the student insurance qualification certification, which can prevent non-students from purchasing student insurance and ensure the stable operation of the insurance fund.

[0055] See also Figure 2 , is another schematic flow chart of a method for determining student insurance qualifications provided by an embodiment of the present application, such as Figure 2 As shown, the student insurance qualification determination method may include the steps of:

[0056] S201, the terminal receives a student insurance subscription request from a target user.

[0057] S202: The terminal sends an information acquisition request to the social security information system.

[0058] S203, the terminal receives the educational background information returned by the social security information system in response to the information acquisition request.

[0059] In some feasible implementations, steps S201 to S203 in the embodiments of the present application can refer to Figure 1 The implementation method of step S101 to step S103 of the illustrated embodiment will not be repeated here.

[0060] S204, the terminal obtains the age of the target user from the educational background information.

[0061] S205, the terminal detects whether the age of the target user is within the target age range, and detects whether the educational background information includes a target field.

[0062] S206: If the age of the target user is within the target age range and the educational background information includes a target field, the terminal determines that the target user has passed the student insurance qualification certification.

[0063] In some feasible implementations, the terminal can obtain preset user information, which may include a target age range and a target field. The target field may be at least one of a student number, a school, a class, and a grade, and the target age range may be 5-16 years old. The terminal may obtain the age of the above-mentioned target user from the educational information, and may detect whether the age of the target user is within the target age range, and detect whether the educational information includes the target field. When the age of the target user is within the target age range, and the educational information includes the target field, it indicates that the target user is a primary or secondary school student, and the terminal may determine that the target user has passed the qualification certification of school insurance, that is, the target user is qualified to purchase school insurance. When the age of the target user is outside the target age range, and the educational information does not include the target field, it indicates that the target user is not a primary or secondary school student, and the terminal may determine that the target user has not passed the qualification certification of school insurance, that is, the target user is not qualified to purchase school insurance. When the age of the target user is within the target age range, and the educational information does not include the target field, the terminal cannot determine whether the target user has passed the qualification certification of school insurance. This is because the above-mentioned social security information system may not have entered the school information of the target user.

[0064] S207: If the age of the target user is within the target age range and the educational background information does not include a target field, the terminal obtains the school location input by the target user.

[0065] S208, the terminal obtains the student information corresponding to the identity identifier from the student registration database corresponding to the student registration location.

[0066] S209: If the terminal detects that the student status in the student information is the target status, it determines that the target user has passed the student insurance qualification certification.

[0067] In some feasible implementations, when the age of the target user is within the target age range and the target field is not included in the educational background information, the terminal may output a first prompt message, which may be used to prompt the target user to enter the place of study. The terminal may obtain the place of study entered by the target user, and may obtain the student information corresponding to the above-mentioned identity from the place of study database corresponding to the place of study. The student information may include the school and the student status. The terminal may detect whether the student status in the student information is the target status. If the student status in the student information is the target status, it means that the target user is a primary or secondary school student, and it may be determined that the target user has passed the qualification certification for school insurance, that is, the target user is qualified to purchase school insurance. Among them, the student status database corresponding to the place of study may be the student status database of the education bureau of the place of study. The student status may include the status of being enrolled, graduated, dropped out of school, suspended, etc. The target status may be the enrolled status. In the case where it is impossible to determine whether the target user has passed the school insurance qualification certification (that is, the target user's age is within the target age range and the academic qualification information does not include the target field), the embodiment of the present application determines whether the target user has passed the school insurance qualification certification by querying the student status corresponding to the target user's identity identifier and judging whether the student status is in a reading state, thereby providing a more detailed school insurance qualification certification scheme, thereby improving the accuracy and diversity of school insurance qualification certification.

[0068] S210: If the terminal detects that the student status in the student information is not the target status, the terminal obtains the first school and the first student number input by the target user.

[0069] S211, the terminal obtains the second student number corresponding to the identity identifier from the student information system of the first school.

[0070] S212, the terminal detects whether the second student number is the same as the first student number.

[0071] S213, if the second student number is the same as the first student number, the terminal determines that the target user has passed the student insurance qualification certification.

[0072] In some feasible implementations, since the student status may not be updated in time in the student status database of the education bureau where the student status is located, when the terminal detects that the student status in the student information is not the target status, it cannot directly determine that the target user is not qualified to purchase school insurance, so the terminal can obtain more information for further judgment. Specifically, the terminal can output a second prompt message when it detects that the student status in the student information is not the target status, and the second prompt message can be used to prompt the target user to enter the school and student number information. The terminal can obtain the first school and the first student number entered by the target user, and can obtain the second student number corresponding to the above identity from the student information system of the first school. The terminal can detect whether the second student number is the same as the first student number entered by the target user. If the second student number is the same as the first student number, it means that the target user is a student of the first school, and the terminal can determine that the target user has passed the school insurance qualification certification, that is, the target user is qualified to purchase school insurance. If the second student number is different from the first student number, it means that the target user is not a student of the first school, and the terminal can determine that the target user has not passed the student insurance qualification certification, that is, the target user is not qualified to purchase student insurance. In response to the situation where the student status database fails to update the student status in a timely manner, the embodiment of the present application obtains the first student number and the first school input by the target user, obtains the second student number corresponding to the target user's identity identifier from the student information system of the first school, and determines whether the target user has passed the student insurance qualification certification by comparing whether the first student number and the second student number are the same. A solution is proposed to further determine whether the target user is qualified to purchase student insurance, further improving the accuracy of student insurance qualification certification and increasing the diversity of solutions.

[0073] In an embodiment of the present application, the terminal receives a student insurance subscription request from a target user, sends an information acquisition request to a social security information system, receives the educational background information returned by the social security information system in response to the information acquisition request, obtains the age of the target user from the educational background information, detects whether the age of the target user is within a target age range, and detects whether the educational background information includes a target field. When the age of the target user is within the target age range and the educational background information includes the target field, it is determined that the target user has passed the student insurance qualification certification. When the age of the target user is within the target age range and the educational background information does not include the target field, it is determined that the target user has passed the student insurance qualification certification. When the target field is entered, the school location entered by the target user is obtained, and the student information corresponding to the identity identifier is obtained from the school database corresponding to the school location. If the student status in the student information is detected to be the target status, the target user is determined to have passed the school insurance qualification certification. If the student status in the student information is detected to be not the target status, the first school and the first student number entered by the target user are obtained, and the second student number corresponding to the identity identifier is obtained from the student information system of the first school. It is detected whether the second student number is the same as the first student number. If the second student number is the same as the first student number, the target user is determined to have passed the school insurance qualification certification. A more specific school insurance qualification certification plan can be provided for different situations, preventing non-students from purchasing school insurance and ensuring the stable operation of the insurance fund.

[0074] See also Figure 3 , is a schematic block diagram of a device for determining student insurance qualification provided by an embodiment of the present application. Figure 3 As shown, the school insurance qualification certification device of the embodiment of the present application includes:

[0075] A receiving module 31 is used to receive a student insurance subscription request from a target user, where the student insurance subscription request includes an identity identifier of the target user;

[0076] A sending module 32 is used to send an information acquisition request to the social security information system, wherein the information acquisition request includes the identity identifier, and the information acquisition request is used to request the social security information system to return the educational background information corresponding to the identity identifier of the target user;

[0077] The receiving module 31 is further used to receive the educational background information of the target user returned by the social security information system in response to the information acquisition request;

[0078] The first detection module 33 is used to detect whether the educational background information of the target user matches the preset user information;

[0079] The determination module 34 is used to determine that the target user has passed the student insurance qualification certification when the educational background information matches the preset user information.

[0080] In some feasible implementations, the preset user information includes a target age range and a target field. The first detection module 33 is specifically used to: obtain the age of the target user from the educational information of the target user; detect whether the age of the target user is within the target age range, and detect whether the educational information of the target user includes the target field; if the age of the target user is within the target age range, and the educational information of the target user includes the target field, then determine that the educational information matches the preset user information.

[0081] In some feasible implementations, the device further includes a first acquisition module 35 and a second acquisition module 36 .

[0082] The first acquisition module 35 is used to obtain the place of study input by the target user when the age of the target user is within the target age range and the academic information does not include the target field; the second acquisition module 36 is used to obtain student information corresponding to the identity of the target user from the academic database corresponding to the place of study, and the student information includes the academic status; the above-mentioned determination module 34 is also used to determine that the target user has passed the academic insurance qualification certification when it is detected that the academic status in the student information is the target status.

[0083] In some feasible implementations, the device further includes a third acquisition module 37 , a fourth acquisition module 38 and a second detection module 39 .

[0084] The third acquisition module 37 is used to obtain the first school and the first student number input by the target user when it is detected that the student status in the student information is not the target status; the fourth acquisition module 38 is used to obtain the second student number corresponding to the identity identifier of the target user from the student information system corresponding to the first school; the second detection module 39 is used to detect whether the second student number is the same as the first student number; the above-mentioned determination module 34 is also used to determine that the target user has passed the student insurance qualification certification when the second student number is the same as the first student number.

[0085] In some feasible implementations, the device further includes a fifth acquisition module 40 and a third detection module 41 .

[0086] The fifth acquisition module 40 is used to acquire at least one first facial image associated with the identity identification of the target user; the fifth acquisition module is also used to acquire the collected second facial image of the target user; the third detection module 41 is used to detect whether there is a first facial image matching the second facial image in the at least one first facial image; the above-mentioned sending module 32 is specifically used to send an information acquisition request to the social security information system when there is a first facial image matching the second facial image in the at least one first facial image.

[0087] In some feasible implementations, the device further includes a sixth acquisition module 42 , a conversion module 43 and an extraction module 44 .

[0088] The sixth acquisition module 42 is used to obtain the original identity data input by the target user, and the original identity data includes the identity identifier of the target user; the conversion module 43 is used to convert the original identity data in the image data format into the target identity data in the text data format when the data format of the original identity data is the image data format; the extraction module 44 is used to extract the identity identifier of the target user from the target identity data in the text data format.

[0089] In a specific implementation, the above-mentioned student insurance qualification certification device can execute the above-mentioned Figure 1 or Figure 2 The implementation methods provided in each step of the implementation method provided implement the functions implemented in the above embodiments. For details, please refer to the above Figure 1 or Figure 2 The corresponding descriptions provided in each step of the method embodiment shown are not repeated here.

[0090] In an embodiment of the present application, a device for determining the qualification of school insurance receives a target user's school insurance subscription request, which includes the target user's identity, and sends an information acquisition request to a social security information system, which includes the identity, and the information acquisition request is used to request the social security information system to return the educational background information corresponding to the identity, receives the educational background information returned by the social security information system in response to the information acquisition request, and detects whether the educational background information matches the preset user information. If the educational background information matches the preset user information, it is determined that the target user has passed the school insurance qualification determination, which can prevent non-students from purchasing school insurance and ensure the stable operation of the insurance fund.

[0091] See also Figure 4 , is a schematic block diagram of a terminal provided in an embodiment of the present application. Figure 4 As shown, the terminal in the embodiment of the present application may include: one or more processors 401; one or more input devices 402, one or more output devices 403 and a memory 404. The processor 401, the input device 402, the output device 403 and the memory 404 are connected via a bus 405. The memory 404 is used to store a computer program, the computer program includes program instructions, and the processor 401 is used to execute the program instructions stored in the memory 404.

[0092] Among them, the above-mentioned input device 402 is used to receive the target user's school insurance subscription request, and the school insurance subscription request includes the target user's identity. The above-mentioned output device 403 is used to send an information acquisition request to the social security information system, and the information acquisition request includes the identity. The information acquisition request is used to request the social security information system to return the educational information corresponding to the target user's identity. The above-mentioned input device 402 is also used to receive the educational information of the target user returned by the social security information system in response to the information acquisition request. The above-mentioned processor 401 is configured to call the program instruction to execute a detection of whether the educational information of the target user matches the preset user information; if the educational information matches the preset user information, it is determined that the target user has passed the school insurance qualification certification.

[0093] It should be understood that in some feasible implementations, the processor 401 may be a central processing unit (CPU), and the processor may also be other general-purpose processors, digital signal processors (DSP), application specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. A general-purpose processor may be a microprocessor or the processor may also be any conventional processor, etc.

[0094] The input device 402 may include a touch pad, a camera, a microphone, etc., and the output device 403 may include a display (LCD, etc.), a speaker, a transmitter, etc.

[0095] The memory 404 may include a read-only memory and a random access memory, and provide instructions and data to the processor 401. A portion of the memory 404 may also include a non-volatile random access memory. For example, the memory 404 may also store information about the device type.

[0096] In a specific implementation, the processor 401, input device 402, and output device 403 described in the embodiment of the present application can execute the implementation method described in the student insurance qualification certification method provided in the embodiment of the present application, and can also execute the implementation method of the student insurance qualification certification device described in the embodiment of the present application, which will not be repeated here.

[0097] The present application also provides a computer-readable storage medium storing a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a processor, Figure 1 or Figure 2 For details, please refer to the method for determining the eligibility of school insurance shown in Figure 1 or Figure 2 The description of the illustrated embodiment will not be repeated here.

[0098] The above-mentioned computer-readable storage medium can be the internal storage unit of the student insurance qualification certification device or electronic device described in any of the aforementioned embodiments, such as a hard disk or memory of an electronic device. The computer-readable storage medium can also be an external storage device of the electronic device, such as a plug-in hard disk, a smart memory card (smartmedia card, SMC), a secure digital (secure digital, SD) card, a flash card (flash card), etc. equipped on the electronic device. Further, the computer-readable storage medium can also include both the internal storage unit of the electronic device and an external storage device. The computer-readable storage medium is used to store the computer program and other programs and data required by the electronic device. The computer-readable storage medium can also be used to temporarily store data that has been output or is to be output.

[0099] Those of ordinary skill in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the composition and steps of each example have been generally described in terms of function in the above description. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered to be beyond the scope of this application.

[0100] The present application is described with reference to the flowcharts and / or block diagrams of the methods, devices (terminals) and computer program products of the embodiments of the present application. It should be understood that each process and / or box in the flowchart and / or block diagram, as well as the combination of the processes and / or boxes in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor or other programmable data processing device to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0101] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0102] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0103] Although the present application has been described in conjunction with specific features and embodiments thereof, it is obvious that various modifications and combinations may be made thereto without departing from the spirit and scope of the present application. Accordingly, this specification and the drawings are merely exemplary illustrations of the present application as defined by the appended claims, and are deemed to have covered any and all modifications, variations, combinations or equivalents within the scope of the present application. Obviously, those skilled in the art may make various modifications and variations to the present application without departing from the spirit and scope of the present application. Thus, if these modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is also intended to include these modifications and variations.

Claims

1. A method for determining student insurance qualifications, characterized in that: The method comprises: Receiving a student insurance subscription request from a target user, wherein the student insurance subscription request includes an identity identifier of the target user; Obtaining at least one first facial image associated with the identity identifier from the information system of the public security bureau, wherein the first facial image is a facial image of a direct relative of the target user; starting a front camera to capture the current second facial image, and detecting whether there is a first facial image in the at least one first facial image whose similarity value with the second facial image is greater than a target similarity threshold; When there is a first face image in the at least one first face image whose similarity value with the second face image is greater than a target similarity threshold, parsing the identity identifier, the identity identifier being an identity card number; Obtain the first six digits of the address code of the ID number, and obtain the region identified by the six digits of the address code, search for the interface of the social security information system of the region through the social security query network, and send an information acquisition request to the social security information system of the region through the interface, wherein the information acquisition request includes the identity identifier, and the information acquisition request is used to request the social security information system to return the educational background information corresponding to the identity identifier of the target user; Receiving the educational background information of the target user returned by the social security information system in response to the information acquisition request; Detecting whether the educational background information of the target user matches the preset user information, wherein the preset user information includes a target age range and a target field; The detecting whether the educational background information of the target user matches the preset user information includes: obtaining the age of the target user from the educational background information of the target user; detecting whether the age of the target user is within the target age range, and detecting whether the educational background information of the target user includes the target field; if the age of the target user is within the target age range, and the educational background information of the target user includes the target field, determining that the educational background information matches the preset user information; If the educational background information matches the preset user information, it is determined that the target user has passed the education insurance qualification certification.

2. The method according to claim 1, characterized in that The method further comprises: If the target user's age is within the target age range and the educational background information does not include the target field, then obtaining the school location input by the target user; Acquire student information corresponding to the identity identifier of the target user from a student registration database corresponding to the student registration location, wherein the student information includes the student registration status; If it is detected that the student status in the student information is the target status, it is determined that the target user has passed the student insurance qualification certification.

3. The method according to claim 2, characterized in that The method further comprises: If it is detected that the student status in the student information is not the target status, obtaining the first school and the first student number input by the target user; Acquire a second student number corresponding to the identity identifier of the target user from a student information system corresponding to the first school; Detecting whether the second student number is the same as the first student number; If the second student ID is the same as the first student ID, it is determined that the target user has passed the student insurance qualification certification.

4. The method according to any one of claims 1 to 3, characterized in that: Before receiving the student insurance subscription request from the target user, the method further includes: Acquire original identity data input by the target user, wherein the original identity data includes an identity identifier of the target user; If the data format of the original identity data is an image data format, converting the original identity data in the image data format into target identity data in a text data format; The identity identifier of the target user is extracted from the target identity data in the text data format.

5. A device for determining the qualification of student insurance, characterized in that: include: A receiving module, configured to receive a student insurance subscription request from a target user, wherein the student insurance subscription request includes an identity identifier of the target user; A fifth acquisition module is used to acquire at least one first face image associated with the identity identifier from the information system of the public security bureau, wherein the first face image is a face image of a direct relative of the target user; and to start the front camera to capture the current second face image; A third detection module is used to detect whether there is a first face image in the at least one first face image whose similarity value with the second face image is greater than a target similarity threshold; when there is a first face image in the at least one first face image whose similarity value with the second face image is greater than the target similarity threshold, the identity identifier is parsed, and the identity identifier is an identity card number; The fifth acquisition module is further used to obtain the first six digits of the address code of the ID card number, and obtain the area identified by the six digits of the address code, and search the interface of the social security information system of the area through the social security query network. A sending module, used for sending an information acquisition request to the social security information system of the region through the interface, wherein the information acquisition request includes the identity identifier, and the information acquisition request is used to request the social security information system to return the educational background information corresponding to the identity identifier of the target user; The receiving module is further used to receive the educational background information of the target user returned by the social security information system in response to the information acquisition request; A first detection module is used to detect whether the educational background information of the target user matches the preset user information, wherein the preset user information includes a target age range and a target field; The first detection module is specifically used to: obtain the age of the target user from the educational background information of the target user; detect whether the age of the target user is within the target age range, and detect whether the educational background information of the target user includes the target field; If the age of the target user is within the target age range, and the educational background information of the target user includes the target field, determining that the educational background information matches the preset user information; A determination module is used to determine whether the target user has passed the student insurance qualification certification when the educational background information matches the preset user information.

6. A terminal, characterized in that: The method comprises a processor, an input device, an output device and a memory, wherein the processor, the input device, the output device and the memory are interconnected, wherein the memory is used to store a computer program, the computer program comprises program instructions, and the processor is configured to call the program instructions to execute the method according to any one of claims 1 to 4.

7. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and when the program instructions are executed by a processor, the processor is caused to perform the method according to any one of claims 1 to 4.

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