Insured person's identity authentication method, insurance institution server and user terminal

Abstract

The embodiment of the present application discloses an identity authentication method for an insured person, an insurance institution server and a user terminal, wherein the method comprises: receiving an identity authentication request from a user terminal, the identity authentication request includes the identity information of a first user and the type identifier of the insurance money to be collected, and the identity authentication request is generated by the user terminal according to the operation of a second user; obtaining the qualification authentication information corresponding to the type identifier of the first user according to the identity information, if the qualification authentication information indicates that the first user is qualified to collect the insurance money identified by the type identifier, then obtaining the face image of the second user, performing identity authentication on the second user according to the face image to obtain an identity authentication result and sending the identity authentication result to the user terminal, the identity authentication result is used to indicate whether the second user is the same user as the first user. The embodiment of the present application can improve the efficiency of identity authentication for insured persons.

Description

Technical Field

[0001] The present invention relates to the field of medical technology, and in particular to an identity authentication method for an insured person, an insurance institution server and a user terminal. Background Art

[0002] In order to prevent people from falsely claiming pensions, work-related injury compensation and other insurance benefits, the insured person needs to go to the insurance agency in person for identity authentication, which makes the authentication efficiency extremely low. Specifically, on the one hand, the insured person needs to suffer from running around to successfully receive the insurance benefits, and the retirees who receive pensions are all elderly people. It is not good for the health of the retirees to run around to the insurance agency every year for unified identity authentication. Or the employees who receive work-related injury compensation are all injured, and going to the insurance agency in person for identity authentication is not conducive to the physical recovery of the injured. On the other hand, waiting in line for identity authentication one by one will also waste a lot of the insured person's time. Summary of the invention

[0003] The technical problem to be solved by this application is how to improve the efficiency of identity authentication for insured persons.

[0004] In a first aspect, an embodiment of the present application provides a method for authenticating the identity of an insured person, the method comprising:

[0005] The user terminal generates an identity authentication request according to the operation of the second user, and sends the identity authentication request to the insurance institution server, wherein the identity authentication request includes the identity information of the first user and the type identifier of the insurance money that the first user needs to collect;

[0006] The insurance institution server obtains, according to the identity information, qualification authentication information corresponding to the first user and the type identifier;

[0007] If the qualification authentication information indicates that the first user is qualified to receive the insurance money identified by the type identifier, the insurance institution server obtains a facial image of the second user, and performs identity authentication on the second user based on the facial image to obtain an identity authentication result;

[0008] The insurance agency server sends the identity authentication result to the user terminal, where the identity authentication result is used to indicate whether the second user is the same user as the first user.

[0009] In a second aspect, an embodiment of the present application provides an identity authentication method for an insured person, which is applied to an insurance institution server, and the method includes:

[0010] Receiving an identity authentication request from a user terminal, the identity authentication request including identity information of a first user and a type identifier of insurance money that the first user needs to receive, the identity authentication request being generated by the user terminal according to an operation of a second user;

[0011] Acquire the qualification authentication information of the first user corresponding to the type identifier according to the identity information; if the qualification authentication information indicates that the first user is qualified to receive the insurance money identified by the type identifier, acquire the face image of the second user, and perform identity authentication on the second user according to the face image to obtain an identity authentication result;

[0012] The identity authentication result is sent to the user terminal, where the identity authentication result is used to indicate whether the second user and the first user are the same user.

[0013] As an optional implementation manner, obtaining the facial image of the second user includes:

[0014] Generate a facial image acquisition instruction, and send the facial image acquisition instruction to the user terminal, so that the user terminal acquires the facial image of the second user;

[0015] Receive the face image returned by the user terminal.

[0016] As an optional implementation manner, obtaining, according to the identity information, qualification authentication information corresponding to the first user and the type identifier includes:

[0017] According to the identity information, determining whether the first user is the insured of the insurance money identified by the type identifier;

[0018] If so, obtain the qualification authentication information of the first user corresponding to the type identifier.

[0019] As an optional implementation manner, the performing identity authentication on the second user according to the facial image to obtain an identity authentication result includes:

[0020] extracting feature information from the facial image as facial feature information of the second user;

[0021] Acquire facial feature information of the first user according to the identity information;

[0022] matching the facial feature information of the second user with the facial feature information of the first user;

[0023] Generate an identity authentication result based on the matching result.

[0024] As an optional implementation manner, generating an identity authentication result according to the matching result includes:

[0025] If the facial feature information of the second user matches the facial feature information of the first user, a first identity authentication result is generated, where the first identity authentication result is a successful identity authentication, indicating that the second user is the same user as the first user;

[0026] If the facial feature information of the second user does not match the facial feature information of the first user, a second identity authentication result is generated, and the second identity authentication result is an identity authentication failure, which is used to indicate that the second user is not the same user as the first user.

[0027] In a third aspect, an embodiment of the present application provides an identity authentication method for an insured person, which is applied to a user terminal, and the method includes:

[0028] generating an identity authentication request according to the operation of the second user, and sending the identity authentication request to the insurance agency server, wherein the identity authentication request includes the identity information of the first user and the type identifier of the insurance money that the first user needs to receive, so that when the insurance agency server determines that the first user is eligible to receive the insurance money identified by the type identifier according to the identity information, the second user is authenticated according to the face image of the second user to obtain an identity authentication result;

[0029] The identity authentication result returned by the insurance agency server is received, where the identity authentication result is used to indicate whether the second user and the first user are the same user.

[0030] As an optional implementation, the method further includes:

[0031] receiving a facial image acquisition instruction sent by the insurance institution server, wherein the facial image acquisition instruction is used to instruct acquisition of the facial image of the second user;

[0032] In response to the facial image acquisition instruction, the facial image of the second user is acquired, and the facial image is sent to the insurance agency server, so that the insurance agency server performs identity authentication on the second user according to the facial image of the second user to obtain an identity authentication result.

[0033] As an optional implementation manner, before sending the facial image to the insurance institution server, the method further includes:

[0034] Performing liveness recognition on the second user according to the facial image;

[0035] If it is determined that the second user is alive, the step of sending the facial image to the insurance agency server is performed.

[0036] In a fourth aspect, an embodiment of the present application provides an insurance institution server, wherein the insurance institution server includes modules and units for executing the method of the second aspect.

[0037] In a fifth aspect, an embodiment of the present application provides a user terminal, which includes a module for executing the method of the third aspect above.

[0038] In the sixth aspect, an embodiment of the present application provides another insurance agency server, which includes a bus, a processor, and a memory, wherein the processor and the memory are interconnected via the bus, wherein the memory is used to store a computer program that supports the insurance agency server to execute the above method, and the computer program includes program instructions, and the processor is configured to call the program instructions to execute the method of the above second aspect.

[0039] In the seventh aspect, an embodiment of the present application provides another user terminal, which includes a bus, a processor, and a memory, wherein the processor and the memory are interconnected through the bus, wherein the memory is used to store a computer program that supports the user terminal to execute the above method, and the computer program includes program instructions, and the processor is configured to call the program instructions to execute the method of the third aspect above.

[0040] In an eighth aspect, an embodiment of the present application provides a computer-readable storage medium, wherein the computer 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 executes the method of the second aspect.

[0041] In a ninth aspect, an embodiment of the present application provides a computer-readable storage medium, wherein the computer 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 executes the method of the third aspect above.

[0042] In the embodiment of the present application, the insured can use a user terminal (such as a mobile phone, tablet computer, etc.) to perform identity authentication through face recognition to receive insurance money (such as pension, work injury compensation, etc.) without having to go to the insurance agency in person for identity authentication, so that the insured can receive insurance money even if they stay at home, eliminating the insured's hard work and running around, saving the insured's time, and improving the efficiency of identity authentication for the insured (or the efficiency of the insured receiving insurance money). In addition, by authenticating the insured's identity, it is possible to prevent someone from falsely claiming insurance money. BRIEF DESCRIPTION OF THE DRAWINGS

[0043] 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.

[0044] Figure 1 It is a schematic flow chart of an identity authentication method for an insured person provided in an embodiment of the present application;

[0045] Figure 2 is a schematic flow chart of another method for authenticating the identity of an insured person provided in an embodiment of the present application;

[0046] Figure 3 is a schematic flow chart of another method for authenticating the identity of an insured person provided in an embodiment of the present application;

[0047] Figure 4 is a schematic block diagram of an insurance institution server provided in an embodiment of the present application;

[0048] Figure 5 is a schematic block diagram of a user terminal provided in an embodiment of the present application;

[0049] Figure 6 is a schematic block diagram of another insurance institution server provided in an embodiment of the present application;

[0050] Figure 7 It is a schematic block diagram of another user terminal provided in an embodiment of the present application. DETAILED DESCRIPTION

[0051] The embodiments of the present application will be described below in conjunction with the drawings in the embodiments of the present application.

[0052] First see Figure 1 , Figure 1 FIG. 1 is a schematic flow chart of a method for authenticating the identity of an insured person provided in an embodiment of the present application. Figure 1 The methods of identity verification of the insured person shown may include:

[0053] S11. The user terminal generates an identity authentication request according to an operation of the second user.

[0054] Specifically, the operation of the second user may be to open a client installed in the user terminal for the second user, and input an identity authentication instruction in the client. The identity authentication instruction includes the identity information of the first user, the type identifier of the insurance money that the first user needs to collect, and the identifier of the insurance institution, which is the insurance institution from which the first user purchased the insurance money. The identity authentication instruction is used to instruct the user terminal to perform identity authentication on the second user to determine whether the second user is the same user as the first user.

[0055] The client may be a web browser, instant messaging software or special insurance software installed in the user terminal. Thus, the second user may find a web page for identity authentication of the insured person in the web browser and input an identity authentication instruction in the web page; or find a public account or mini program for identity authentication of the insured person in the instant messaging software and input an identity authentication instruction in the public account or mini program; or log in to the special insurance software and input an identity authentication instruction in the insurance software.

[0056] When receiving the identity authentication instruction input through the client, the user terminal may generate an identity authentication request, wherein the identity authentication request includes the identity information of the first user, the type identifier of the insurance money that the first user needs to collect, and the identifier of the insurance institution.

[0057] S12. The user terminal sends the identity authentication request to the insurance agency server.

[0058] The insurance institution server is a server set up in the insurance institution, and the identity authentication request is used to request the insurance institution server to authenticate the second user to determine whether the second user is the same user as the first user. In an embodiment of the present application, the insurance institution server can specifically authenticate the second user by executing steps S13 to S15.

[0059] S13. The insurance institution server obtains qualification authentication information corresponding to the first user and the type identifier based on the identity information.

[0060] Specifically, when the type of insurance money that the first user needs to receive is different, the required qualification authentication information may also be different.

[0061] For example, when the first user needs to receive a pension, the required qualification authentication information may be only the identity information of the first user, that is, only the identity information can be used to know whether the first user has bought pension insurance and the insurance amount and other insurance information.

[0062] For another example, when the first user needs to receive compensation for work-related injuries, the required qualification authentication information includes not only the identity information of the first user, but also the injury assessment materials of the first user. In this case, the insurance agency server not only needs to detect whether the first user has purchased work-related injury insurance based on the identity information of the first user, but also needs to identify whether the injury assessment materials submitted by the first user are authentic and valid. If the first user has purchased work-related injury insurance and the submitted injury assessment materials are authentic and valid, the insurance agency server can determine that the first user is qualified to receive the insurance money identified by the type identifier; otherwise, the insurance agency server can determine that the first user is not qualified to receive the insurance money identified by the type identifier.

[0063] In an embodiment of the present application, the insurance institution server pre-associatedly stores the identity information of the insured of the insurance institution and the qualification certification materials submitted by the insured for receiving insurance money, wherein the qualification certification materials may include, for example, injury assessment materials.

[0064] In addition, the insurance agency server also pre-associatedly stores the type identification of the insurance money and a list of qualification authentication information required to collect the insurance money identified by the type identification.

[0065] Thus, the insurance agency server can first obtain the qualification authentication information list required for collecting the insurance money identified by the type identifier according to the type identifier. If the qualification authentication information list includes the name of the qualification authentication material, the insurance agency server can obtain the qualification authentication material with the name submitted by the first user for collecting the insurance money according to the identity information of the first user, and use the obtained qualification authentication material as the qualification authentication information.

[0066] S14. If the qualification authentication information indicates that the first user is qualified to receive the insurance money identified by the type identifier, the insurance agency server obtains the facial image of the second user, and performs identity authentication on the second user based on the facial image to obtain an identity authentication result.

[0067] Specifically, the insurance institution server also needs to obtain the first user's insurance policy information based on the first user's identity information. The insurance policy information includes insurance policy identification information (such as insurance policy number, name, etc.), insurance policy type information (such as personal life insurance, group insurance, etc.), insurance policy type information, insurance policy insured amount information, insurance policy liability details information (such as the claim ratio of various expenses, claim scope, claim limit, claim conditions, etc.), etc.

[0068] Thus, based on the policy information and the qualification authentication information, the insurance agency server can determine whether the first user is qualified to receive the insurance money identified by the type identifier. When it is determined that the first user is qualified to receive the insurance money identified by the type identifier, the insurance agency server can further obtain the face image of the second user, and perform identity authentication on the second user based on the face image to obtain an identity authentication result.

[0069] The identity authentication result is used to indicate whether the second user and the first user are the same user.

[0070] Specifically, the insurance agency server may obtain the facial image of the second user from the user terminal, and extract feature information (ie, facial feature information) from the facial image.

[0071] In the embodiment of the present application, the insurance institution server pre-associatedly stores the identity information and facial feature information of the insured of the insurance institution, that is, the insurance institution server pre-associatedly stores the identity information of the first user and the facial feature information of the first user. Thus, by judging whether the feature information in the facial image matches the facial feature information of the first user, the insurance institution server can determine whether the second user is the same user as the first user.

[0072] Specifically, if the feature information in the facial image matches the facial feature information of the first user, the insurance agency server can determine that the second user is the same user as the first user and generate a first identity authentication result; if the feature information in the facial image does not match the facial feature information of the first user, the insurance agency server can determine that the second user is not the same user as the first user and generate a second identity authentication result.

[0073] If the second user is the same user as the first user, the insurance agency server can further determine the insurance amount that the first user can receive based on the qualification authentication information and the claim scope, claim ratio, claim limit, etc. in the policy information.

[0074] S15. The insurance institution server sends the identity authentication result to the user terminal.

[0075] The user terminal can output the identity authentication result through the client, so that the second user can view the identity authentication result from the client.

[0076] In an embodiment of the present application, the insurance institution server also stores the identity information and the payment account number of the insured of the insurance institution in advance. Therefore, after the insurance institution server generates the first identity authentication result, the insurance institution server can also obtain the payment account number of the first user according to the identity information of the first user.

[0077] Furthermore, the insurance agency server may pay the insurance amount to the payment account. Specifically, the insurance agency server may generate an insurance payment request and send the insurance payment request to the financial institution server. The insurance payment request includes the payment account, the insurance amount, and the payment account of the insurance agency. The financial institution server may be a server set up in the financial institution that opened the payment account or the financial institution that opened the payment account.

[0078] Furthermore, the financial institution server deducts the insurance amount from the payment account and transfers it to the receiving account.

[0079] In the embodiment of the present application, the insured can use the user terminal to perform identity authentication through face recognition to collect insurance money, so that the insured can collect insurance money even if they stay at home, eliminating the insured's hard work and running around, saving the insured's time, and improving the efficiency of identity authentication for the insured (or the efficiency of the insured to collect insurance money). In addition, by authenticating the insured's identity, it is possible to prevent someone from falsely collecting insurance money.

[0080] See also Figure 2 , is a schematic flow chart of another method for authenticating the identity of an insured person provided in an embodiment of the present application. In a specific implementation, each step included in the method can be executed by an insurance institution server. Figure 2 The methods of identity verification of the insured person shown may include:

[0081] S21. Receive an identity authentication request from a user terminal.

[0082] The identity authentication request includes the identity information of the first user and the type identifier of the insurance money that the first user needs to collect, and the identity authentication request is generated by the user terminal according to the operation of the second user.

[0083] Specifically, the operation of the second user may be that the second user opens the client of the user terminal and enters an identity authentication instruction in the client. The identity authentication instruction may also include an identifier of an insurance institution, which is the insurance institution from which the first user purchased the insurance money. The identity authentication instruction is used to instruct the user terminal to perform identity authentication on the second user to determine whether the second user is the same user as the first user.

[0084] The client may be a web browser, instant messaging software or special insurance software installed in the user terminal.

[0085] When receiving the identity authentication instruction inputted by the client, the user terminal may generate an identity authentication request and send it to the insurance institution server, wherein the identity authentication request includes the identity information of the first user, the type identifier of the insurance money that the first user needs to collect, and the identifier of the insurance institution.

[0086] The insurance institution server is a server set up in the insurance institution, and the identity authentication request is used to request the insurance institution server to perform identity authentication on the second user to determine whether the second user is the same user as the first user.

[0087] S22. Acquire qualification authentication information corresponding to the first user and the type identifier according to the identity information.

[0088] Specifically, when the type of insurance money that the first user needs to receive is different, the required qualification authentication information may also be different.

[0089] In an embodiment of the present application, the insurance institution server pre-associatedly stores the identity information of the insured of the insurance institution and the qualification certification materials submitted by the insured for receiving insurance money, wherein the qualification certification materials may include, for example, injury assessment materials.

[0090] In addition, the insurance agency server also pre-associatedly stores the type identification of the insurance money and a list of qualification authentication information required to collect the insurance money identified by the type identification.

[0091] Thus, the insurance agency server can first obtain the qualification authentication information list required for collecting the insurance money identified by the type identifier according to the type identifier. If the qualification authentication information list includes the name of the qualification authentication material, the insurance agency server can obtain the qualification authentication material with the name submitted by the first user for collecting the insurance money according to the identity information of the first user, and use the obtained qualification authentication material as the qualification authentication information.

[0092] In an embodiment of the present application, the insurance institution server obtains the qualification authentication information corresponding to the first user and the type identifier based on the identity information, which may specifically include: judging whether the first user is the insured of the insurance money identified by the type identifier based on the identity information; if so, obtaining the qualification authentication information corresponding to the first user and the type identifier.

[0093] Among them, the insurance agency server may pre-associate and store the identity information of the insured of the insurance agency and the type identifier of the insurance money purchased by the insured. It can be understood that an insured can purchase one or more types of insurance money of the insurance agency. Therefore, based on the identity information of the first user, the insurance agency server can determine the type identifier set of the insurance money purchased by the first user in the insurance agency. If the type identifier set includes the type identifier of the insurance money that the first user needs to collect, the insurance agency server can determine that the first user is the insured of the insurance money identified by the type identifier.

[0094] S23. If the qualification authentication information indicates that the first user is qualified to receive the insurance money identified by the type identifier, a facial image of the second user is obtained, and identity authentication is performed on the second user based on the facial image to obtain an identity authentication result.

[0095] Specifically, the insurance agency server also needs to obtain the insurance policy information of the first user based on the identity information of the first user. Thus, based on the insurance policy information and the qualification authentication information, the insurance agency server can determine whether the first user is qualified to receive the insurance money identified by the type identifier. When it is determined that the first user is qualified to receive the insurance money identified by the type identifier, the insurance agency server can further obtain the facial image of the second user, and perform identity authentication on the second user based on the facial image to obtain an identity authentication result.

[0096] The identity authentication result is used to indicate whether the second user and the first user are the same user.

[0097] In an embodiment of the present application, the insurance agency server performs identity authentication on the second user based on the facial image to obtain an identity authentication result, which may specifically include: extracting feature information in the facial image as facial feature information of the second user; obtaining facial feature information of the first user based on the identity information; matching the facial feature information of the second user with the facial feature information of the first user; and generating an identity authentication result based on the matching result.

[0098] In the embodiment of the present application, the insurance institution server pre-associatedly stores the identity information and facial feature information of the insured of the insurance institution, that is, the insurance institution server pre-associatedly stores the identity information of the first user and the facial feature information of the first user. Thus, by judging whether the facial feature information of the second user matches the facial feature information of the first user, the insurance institution server can determine whether the second user is the same user as the first user.

[0099] Specifically, the insurance institution server may pre-acquire identity information and facial feature information of multiple insured persons of the insurance institution, and associate and store the acquired identity information and facial feature information. The identity information and facial feature information of the insured persons stored in the insurance institution server have a one-to-one correspondence.

[0100] As an optional implementation, the insurance agency server may obtain the facial feature information of the medical insurance participant from the medical insurance participant's ID card photo or social security card photo.

[0101] In this embodiment, the insurance agency server generates an identity authentication result based on the matching result, which may specifically include: if the facial feature information of the second user matches the facial feature information of the first user, a first identity authentication result is generated, and the first identity authentication result is a successful identity authentication, which is used to indicate that the second user is the same user as the first user; if the facial feature information of the second user does not match the facial feature information of the first user, a second identity authentication result is generated, and the second identity authentication result is a failed identity authentication, which is used to indicate that the second user is not the same user as the first user.

[0102] In an embodiment of the present application, the insurance agency server obtaining the facial image of the second user may specifically include: generating a facial image obtaining instruction, and sending the facial image obtaining instruction to the user terminal so that the user terminal obtains the facial image of the second user; and receiving the facial image returned by the user terminal.

[0103] Specifically, when it is determined that the first user is eligible to receive the insurance money identified by the type identifier, the insurance agency server can generate a facial image acquisition instruction and send the facial image acquisition instruction to the user terminal.

[0104] When receiving the facial image acquisition instruction, the user terminal may capture the facial image of the second user through a camera, and send the captured facial image to the insurance agency server.

[0105] S24. Send the identity authentication result to the user terminal.

[0106] The user terminal can output the identity authentication result through the client, so that the second user can view the identity authentication result from the client.

[0107] In the embodiment of the present application, the insured can use the user terminal to perform identity authentication through face recognition to collect insurance money, so that the insured can collect insurance money even if they stay at home, eliminating the insured's hard work and running around, saving the insured's time, and improving the efficiency of identity authentication for the insured (or the efficiency of the insured to collect insurance money). In addition, by authenticating the insured's identity, it is possible to prevent someone from falsely collecting insurance money.

[0108] See also Figure 3 , is a schematic flow chart of another method for authenticating the identity of an insured person provided in an embodiment of the present application. In a specific implementation, each step included in the method can be executed by a user terminal. Figure 3 The methods of identity verification of the insured person shown may include:

[0109] S31. Generate an identity authentication request according to the operation of the second user, and send the identity authentication request to the insurance institution server.

[0110] Among them, the identity authentication request includes the identity information of the first user and the type identifier of the insurance money that the first user needs to collect, so that when the insurance agency server determines that the first user is eligible to collect the insurance money identified by the type identifier based on the identity information, the second user is authenticated according to the facial image of the second user to obtain an identity authentication result.

[0111] Specifically, the operation of the second user may be to open a client installed in the user terminal for the second user, and input an identity authentication instruction in the client. The identity authentication instruction includes the identity information of the first user, the type identifier of the insurance money that the first user needs to collect, and the identifier of the insurance institution, which is the insurance institution from which the first user purchased the insurance money. The identity authentication instruction is used to instruct the user terminal to perform identity authentication on the second user to determine whether the second user is the same user as the first user.

[0112] The client may be a web browser, instant messaging software or special insurance software installed in the user terminal.

[0113] When receiving the identity authentication instruction input through the client, the user terminal may generate an identity authentication request, wherein the identity authentication request includes the identity information of the first user, the type identifier of the insurance money that the first user needs to collect, and the identifier of the insurance institution.

[0114] The insurance institution server is a server set up in the insurance institution, and the identity authentication request is used to request the insurance institution server to perform identity authentication on the second user to determine whether the second user is the same user as the first user.

[0115] When receiving the identity authentication request, the insurance agency server may obtain the qualification authentication information of the first user corresponding to the type identifier based on the identity information of the first user. When it is determined that the first user is qualified to receive the insurance money identified by the type identifier (or the qualification authentication information indicates that the first user is qualified to receive the insurance money identified by the type identifier), the insurance agency server may further obtain the facial image of the second user, and perform identity authentication on the second user based on the facial image to obtain an identity authentication result.

[0116] The identity authentication result is used to indicate whether the second user and the first user are the same user.

[0117] In the embodiments of the present application, Figure 3 The identity authentication method for the insured person shown may also include: receiving a facial image acquisition instruction sent by the insurance agency server, the facial image acquisition instruction is used to instruct the acquisition of the facial image of the second user; in response to the facial image acquisition instruction, acquiring the facial image of the second user, and sending the facial image to the insurance agency server, so that the insurance agency server performs identity authentication on the second user based on the facial image of the second user to obtain an identity authentication result.

[0118] As an optional implementation, the user terminal (such as a mobile phone or a tablet computer) may have a built-in camera. In this implementation, when receiving the face image acquisition instruction, the user terminal may capture the user's face image through the built-in camera.

[0119] As another optional implementation, the user terminal (such as a desktop computer) can be connected to an external camera. In this implementation, when receiving the facial image acquisition instruction, the user terminal can control the external camera to capture the user's facial image and send the captured facial image to the user terminal.

[0120] In an embodiment of the present application, before the user terminal sends the facial image to the insurance agency server, Figure 3 The illustrated method for authenticating the insured person's identity may further include: performing liveness recognition on the second user based on the facial image.

[0121] Specifically, the user terminal can output an action execution prompt message on its display screen to prompt the second user to complete the specified action. Thus, the user terminal can perform liveness recognition on the second user according to the completion status of the specified action.

[0122] Among them, the user terminal can output a text prompt message or a voice prompt message, such as "nod" or "wink", to prompt the second user to perform the action specified by the text prompt message or the voice prompt message. Alternatively, the user terminal can output a video prompt message, which includes a demonstration action, to prompt the second user to perform the demonstration action in the video prompt message. Of course, the user terminal can also output a text prompt message and a video prompt message at the same time, and the embodiment of the present application does not impose any restrictions on the specific prompt method.

[0123] As an optional implementation, the user terminal can obtain multiple face images of the second user from the face video in a time-ordered order. Each face image can be used to present a state of the face. Thus, the user terminal can determine whether the second user has performed a specified action based on the state changes of the face presented by the multiple face images.

[0124] As another optional implementation, the user terminal may perform action recognition on the face video, so that the user terminal may determine whether the second user has performed a specified action according to the result of the action recognition.

[0125] Furthermore, if it is determined that the second user is alive, the user terminal may execute the step of sending the facial image to the insurance agency server.

[0126] S32. Receive the identity authentication result returned by the insurance institution server.

[0127] The user terminal can output the identity authentication result through the client, so that the second user can view the identity authentication result from the client.

[0128] In the embodiment of the present application, the insured can use the user terminal to perform identity authentication through face recognition to collect insurance money, so that the insured can collect insurance money even if they stay at home, eliminating the insured's hard work and running around, saving the insured's time, and improving the efficiency of identity authentication for the insured (or the efficiency of the insured to collect insurance money). In addition, by performing liveness recognition and identity authentication on the insured, it is possible to prevent someone from falsely collecting insurance money.

[0129] The embodiment of the present application also provides an insurance institution server, which includes a server for executing the present application. Figure 2 Modules and units of the method shown. Specifically, see Figure 4 , is a schematic block diagram of an insurance institution server 40 provided in an embodiment of the present application. Figure 4The insurance agency server 40 shown may include: a receiving module 41 , a first obtaining module 42 , a second obtaining module 43 , an authentication module 44 and a sending module 45 .

[0130] The receiving module 41 is used to receive an identity authentication request from a user terminal. In an embodiment of the present application, the identity authentication request includes the identity information of the first user and the type identifier of the insurance money that the first user needs to collect, and the identity authentication request is generated by the user terminal according to the operation of the second user.

[0131] The first acquisition module 42 is used to acquire the qualification authentication information of the first user corresponding to the type identifier according to the identity information.

[0132] As an optional implementation, the first acquisition module 42 may include a judgment unit 421 and a first acquisition unit 422 .

[0133] The judgment unit 421 is used to judge whether the first user is the insured of the insurance money identified by the type identifier based on the identity information.

[0134] The first acquisition unit 422 is used to acquire the qualification authentication information of the first user corresponding to the type identifier when the first user is the insured of the insurance money identified by the type identifier.

[0135] The second acquisition module 43 is used to acquire the facial image of the second user when the qualification authentication information indicates that the first user is qualified to receive the insurance money identified by the type identifier.

[0136] As an optional implementation, the second acquisition module 43 may include: a first generating unit 431 , a sending unit 432 and a receiving unit 433 .

[0137] Wherein, the first generating unit 431 is used to generate a face image acquisition instruction.

[0138] The sending unit 432 is used to send the facial image acquisition instruction to the user terminal, so that the user terminal acquires the facial image of the second user.

[0139] The receiving unit 433 is configured to receive the face image returned by the user terminal.

[0140] The authentication module 44 is used to perform identity authentication on the second user according to the facial image to obtain an identity authentication result.

[0141] As an optional implementation, the authentication module 44 may include: an extraction unit 441 , a second acquisition unit 442 , a matching unit 443 and a second generation unit 444 .

[0142] The extraction unit 441 is used to extract feature information from the face image as the face feature information of the second user.

[0143] The second acquisition unit 442 is used to acquire the facial feature information of the first user according to the identity information.

[0144] The matching unit 443 is used to match the facial feature information of the second user with the facial feature information of the first user.

[0145] The second generating unit 444 is configured to generate an identity authentication result according to the matching result.

[0146] As an optional implementation, the second generation unit 444 is specifically configured to generate a first identity authentication result when the facial feature information of the second user matches the facial feature information of the first user. The first identity authentication result is a successful identity authentication, indicating that the second user is the same user as the first user.

[0147] As another optional implementation, the second generation unit 444 is specifically configured to generate a second identity authentication result when the facial feature information of the second user does not match the facial feature information of the first user. The second identity authentication result is an identity authentication failure, indicating that the second user is not the same user as the first user.

[0148] The sending module 45 is used to send the identity authentication result to the user terminal, wherein the identity authentication result is used to indicate whether the second user and the first user are the same user.

[0149] It should be noted that for the specific working process of the insurance institution server 40 provided in the embodiment of the present application, please refer to the method process part provided in the embodiment of the present application, which will not be repeated here.

[0150] In the embodiment of the present application, the insured can use the user terminal to perform identity authentication through face recognition to collect insurance money, so that the insured can collect insurance money even if they stay at home, eliminating the insured's hard work and running around, saving the insured's time, and improving the efficiency of identity authentication for the insured (or the efficiency of the insured to collect insurance money). In addition, by authenticating the insured's identity, it is possible to prevent someone from falsely collecting insurance money.

[0151] The present application also provides a user terminal, which includes a user terminal for executing the present application. Figure 3 Specifically, see Figure 5 , is a schematic block diagram of a user terminal 50 provided in an embodiment of the present application. Figure 5 The user terminal 50 shown may include: a generating module 51 , a sending module 52 , a receiving module 53 , an acquiring module 54 and an identifying module 55 .

[0152] The generating module 51 is used to generate an identity authentication request according to the operation of the second user. In the embodiment of the present application, the identity authentication request includes the identity information of the first user and the type identifier of the insurance money that the first user needs to collect.

[0153] The sending module 52 is used to send the identity authentication request to the insurance agency server, so that when the insurance agency server determines that the first user is eligible to receive the insurance money identified by the type identifier based on the identity information, the second user is authenticated according to the facial image of the second user to obtain an identity authentication result.

[0154] The receiving module 53 is used to receive the identity authentication result returned by the insurance institution server, where the identity authentication result is used to indicate whether the second user and the first user are the same user.

[0155] The receiving module 53 is further configured to receive a facial image acquisition instruction sent by the insurance agency server, wherein the facial image acquisition instruction is configured to instruct acquisition of the facial image of the second user.

[0156] The acquisition module 54 is configured to acquire the facial image of the second user in response to the facial image acquisition instruction.

[0157] The sending module 52 is further configured to send the facial image to the insurance agency server, so that the insurance agency server performs identity authentication on the second user according to the facial image of the second user to obtain an identity authentication result.

[0158] The recognition module 55 is used to perform living body recognition on the second user according to the face image.

[0159] The sending module 52 is specifically configured to send the facial image to the insurance agency server when it is determined that the second user is alive.

[0160] It should be noted that for the specific working process of the user terminal 50 provided in the embodiment of the present application, please refer to the method process part provided in the embodiment of the present application, which will not be repeated here.

[0161] In the embodiment of the present application, the insured can use the user terminal to perform identity authentication through face recognition to collect insurance money, so that the insured can collect insurance money even if they stay at home, eliminating the insured's hard work and running around, saving the insured's time, and improving the efficiency of identity authentication for the insured (or the efficiency of the insured to collect insurance money). In addition, by performing liveness recognition and identity authentication on the insured, it is possible to prevent someone from falsely collecting insurance money.

[0162] See also Figure 6 , is a schematic block diagram of another insurance institution server 60 provided in an embodiment of the present application. Figure 6 The insurance agency server 60 in the embodiment shown may include: a bus 61, a processor 62, a memory 63 and an input / output interface 64. The bus 61 is used to connect the processor 62, the memory 63 and the input / output interface 64 to each other and enable the above elements to communicate with each other. The memory 63 is used to store one or more computer programs, and the computer program includes program instructions. The input / output interface 64 is used to control the communication connection between the insurance agency server 60 and other devices (such as user terminals).

[0163] Specifically, the processor 62 is configured to call the program instructions to execute:

[0164] Receiving an identity authentication request from a user terminal, the identity authentication request including identity information of a first user and a type identifier of insurance money that the first user needs to receive, the identity authentication request being generated by the user terminal according to an operation of a second user;

[0165] Acquire the qualification authentication information of the first user corresponding to the type identifier according to the identity information; if the qualification authentication information indicates that the first user is qualified to receive the insurance money identified by the type identifier, acquire the face image of the second user, and perform identity authentication on the second user according to the face image to obtain an identity authentication result;

[0166] The identity authentication result is sent to the user terminal, where the identity authentication result is used to indicate whether the second user and the first user are the same user.

[0167] As an optional implementation, the processor 62 is configured to call the program instruction to execute the step of obtaining the facial image of the second user and specifically perform:

[0168] Generate a facial image acquisition instruction, and send the facial image acquisition instruction to the user terminal, so that the user terminal acquires the facial image of the second user;

[0169] Receive the face image returned by the user terminal.

[0170] As an optional implementation manner, the processor 62 is configured to call the program instruction to execute the step of obtaining the qualification authentication information corresponding to the first user and the type identifier according to the identity information:

[0171] According to the identity information, determining whether the first user is the insured of the insurance money identified by the type identifier;

[0172] If so, obtain the qualification authentication information of the first user corresponding to the type identifier.

[0173] As an optional implementation, the processor 62 is configured to call the program instruction to execute the identity authentication of the second user according to the face image to obtain the identity authentication result and specifically perform:

[0174] extracting feature information from the facial image as facial feature information of the second user;

[0175] Acquire facial feature information of the first user according to the identity information;

[0176] matching the facial feature information of the second user with the facial feature information of the first user;

[0177] Generate an identity authentication result based on the matching result.

[0178] As an optional implementation, the processor 62 is configured to call the program instruction to execute the specific execution of generating the identity authentication result according to the matching result:

[0179] If the facial feature information of the second user matches the facial feature information of the first user, a first identity authentication result is generated, where the first identity authentication result is a successful identity authentication, indicating that the second user is the same user as the first user;

[0180] If the facial feature information of the second user does not match the facial feature information of the first user, a second identity authentication result is generated, and the second identity authentication result is an identity authentication failure, which is used to indicate that the second user is not the same user as the first user.

[0181] In the embodiment of the present application, the processor 62 may be any type of processor, for example, a central processing unit (CPU), a digital signal processor (DSP), an application specific integrated circuit (ASIC), a field programmable gate array (FPGA), etc. The memory 63 may be any type of memory, for example, a read-only memory (ROM), a random access memory (RAM), a non-volatile random access memory, etc.

[0182] In the embodiment of the present application, the insured can use the user terminal to perform identity authentication through face recognition to collect insurance money, so that the insured can collect insurance money even if they stay at home, eliminating the insured's hard work and running around, saving the insured's time, and improving the efficiency of identity authentication for the insured (or the efficiency of the insured to collect insurance money). In addition, by authenticating the insured's identity, it is possible to prevent someone from falsely collecting insurance money.

[0183] In an embodiment of the present application, a computer-readable storage medium is further provided, wherein the computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and the processor 62 is configured to call the program instructions to execute the present application. Figure 2 The insured person’s identity authentication method is shown.

[0184] The computer-readable storage medium may be an internal storage unit of the insurance institution server described in any of the aforementioned embodiments, such as a hard disk or memory of the insurance institution server. The computer-readable storage medium may also be an external storage device of the insurance institution server, such as a plug-in hard disk, a smart media card (SMC), a secure digital (SD) card, a flash card, etc., equipped on the insurance institution server.

[0185] See also Figure 7 , is a schematic block diagram of another user terminal 70 provided in an embodiment of the present application. Figure 7The user terminal 70 in the embodiment shown may include: a bus 71, a processor 72, a memory 73 and an input / output interface 74. The bus 71 is used to connect the processor 72, the memory 73 and the input / output interface 74 to each other and enable the above elements to communicate with each other. The memory 73 is used to store one or more computer programs, and the computer program includes program instructions. The input / output interface 74 is used to control the communication connection between the user terminal 70 and other devices (such as an insurance agency server).

[0186] Specifically, the processor 72 is configured to call the program instructions to execute:

[0187] generating an identity authentication request according to the operation of the second user, and sending the identity authentication request to the insurance agency server, wherein the identity authentication request includes the identity information of the first user and the type identifier of the insurance money that the first user needs to receive, so that when the insurance agency server determines that the first user is eligible to receive the insurance money identified by the type identifier according to the identity information, the second user is authenticated according to the face image of the second user to obtain an identity authentication result;

[0188] The identity authentication result returned by the insurance agency server is received, where the identity authentication result is used to indicate whether the second user and the first user are the same user.

[0189] As an optional implementation, the processor 72 is configured to call the program instruction to further execute:

[0190] receiving a facial image acquisition instruction sent by the insurance institution server, wherein the facial image acquisition instruction is used to instruct acquisition of the facial image of the second user;

[0191] In response to the facial image acquisition instruction, the facial image of the second user is acquired, and the facial image is sent to the insurance agency server, so that the insurance agency server performs identity authentication on the second user according to the facial image of the second user to obtain an identity authentication result.

[0192] As an optional implementation, the processor 72 is configured to call the program instruction to execute the step of sending the facial image to the insurance agency server before further executing:

[0193] Performing liveness recognition on the second user according to the facial image;

[0194] If it is determined that the second user is alive, the step of sending the facial image to the insurance agency server is performed.

[0195] In the embodiment of the present application, the processor 72 may be any type of processor, such as a CPU, DSP, ASIC, FPGA, etc. The memory 73 may be any type of memory, such as a ROM, RAM, and non-volatile random access memory, etc.

[0196] In the embodiment of the present application, the insured can use the user terminal to perform identity authentication through face recognition to collect insurance money, so that the insured can collect insurance money even if they stay at home, eliminating the insured's hard work and running around, saving the insured's time, and improving the efficiency of identity authentication for the insured (or the efficiency of the insured to collect insurance money). In addition, by performing liveness recognition and identity authentication on the insured, it is possible to prevent someone from falsely collecting insurance money.

[0197] In an embodiment of the present application, a computer-readable storage medium is further provided, wherein the computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and the processor 72 is configured to call the program instructions to execute the present application. Figure 3 The insured person’s identity authentication method is shown.

[0198] The computer-readable storage medium may be an internal storage unit of the user terminal described in any of the foregoing embodiments, such as a hard disk or memory of the user terminal. The computer-readable storage medium may also be an external storage device of the user terminal, such as a plug-in hard disk, SMC, SD card, flash memory card, etc. equipped on the user terminal.

[0199] The above is only part of the implementation of the present application, but the protection scope of the present application is not limited thereto. Any technician familiar with the technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed in the present application, and these modifications or replacements should be included in the protection scope of the present application. Therefore, the protection scope of the present application shall be based on the protection scope of the claims.

Claims

1. A method for authenticating the identity of an insured person, It is characterized in that The method comprises: Receiving an identity authentication request from a user terminal, the identity authentication request including identity information of a first user and a type identifier of insurance money that the first user needs to receive, the identity authentication request being generated by the user terminal according to an operation of a second user; The qualification authentication information of the first user corresponding to the type identifier is obtained according to the identity information. If the qualification authentication information indicates that the first user is qualified to receive the insurance money identified by the type identifier, a facial image of the second user is obtained, and the identity authentication result is obtained by performing identity authentication on the second user according to the facial image and the facial feature information of the first user obtained based on the identity information. If the type of insurance money that the first user needs to receive is different, the corresponding qualification authentication information required is also different. When the first user needs to receive work-related injury compensation, the corresponding qualification authentication information required includes the identity information of the first user and the injury assessment materials of the first user. If the If the first user has purchased work-related injury insurance and the injury assessment materials submitted are valid, it is determined that the first user is eligible to receive the insurance money identified by the type identifier; the facial image is sent by the user terminal based on the liveness recognition of the second user and the determination that the second user is alive, and the liveness recognition includes: obtaining multiple facial images of the second user from the facial video in a time-ordered order, each facial image is used to present a state of the face; judging whether the second user has performed a specified action based on the state changes of the faces presented by the multiple facial images, and if it is determined that the second user has completed the specified action, the second user is determined to be alive; Sending the identity authentication result to the user terminal, the identity authentication result is used to indicate whether the second user and the first user are the same user; The method for obtaining the identity authentication result is as follows: extracting feature information from the facial image as facial feature information of the second user; Acquire facial feature information of the first user according to the identity information; matching the facial feature information of the second user with the facial feature information of the first user; If the facial feature information of the second user matches the facial feature information of the first user, a first identity authentication result is generated, where the first identity authentication result is a successful identity authentication, indicating that the second user is the same user as the first user; If the facial feature information of the second user does not match the facial feature information of the first user, a second identity authentication result is generated, and the second identity authentication result is an identity authentication failure, which is used to indicate that the second user is not the same user as the first user.

2. The method according to claim 1, It is characterized in that The acquiring the facial image of the second user includes: Generate a facial image acquisition instruction, and send the facial image acquisition instruction to the user terminal, so that the user terminal acquires the facial image of the second user; Receive the face image returned by the user terminal.

3. The method according to claim 1 or 2, It is characterized in that The acquiring, according to the identity information, qualification authentication information corresponding to the first user and the type identifier includes: According to the identity information, determining whether the first user is the insured of the insurance money identified by the type identifier; If so, obtain the qualification authentication information of the first user corresponding to the type identifier.

4. A method for authenticating the identity of an insured person, It is characterized in that The method comprises: An identity authentication request is generated according to the operation of the second user, and the identity authentication request is sent to the insurance agency server, wherein the identity authentication request includes the identity information of the first user and the type identifier of the insurance money that the first user needs to collect, so that when the insurance agency server determines that the first user is qualified to collect the insurance money identified by the type identifier based on the identity information, the second user is authenticated according to the face image of the second user and the face feature information of the first user obtained based on the identity information to obtain an identity authentication result; wherein, if the type of insurance money that the first user needs to collect is different, the corresponding qualification authentication information required is also different; when the first user needs to collect work-related injury compensation, the corresponding qualification authentication information required includes the first user's identity information and injury assessment materials of the first user; if the first user has purchased work-related injury insurance and the submitted injury assessment materials are valid, it is determined that the first user is eligible to receive the insurance money identified by the type identifier; the facial image is sent to the insurance agency server by the user terminal based on the liveness recognition of the second user and the determination that the second user is alive, the liveness recognition includes: obtaining multiple facial images of the second user from the facial video in chronological order from front to back, each facial image is used to present a state of the face; judging whether the second user has performed a specified action based on the state changes of the faces presented by the multiple facial images, and if it is determined that the second user has completed the specified action, it is determined that the second user is alive; receiving the identity authentication result returned by the insurance institution server, wherein the identity authentication result is used to indicate whether the second user is the same user as the first user; Among them, the method for obtaining the identity authentication result is as follows: extract the feature information in the facial image as the facial feature information of the second user; obtain the facial feature information of the first user based on the identity information; match the facial feature information of the second user with the facial feature information of the first user; if the facial feature information of the second user matches the facial feature information of the first user, generate a first identity authentication result, and the first identity authentication result is a successful identity authentication, which is used to indicate that the second user is the same user as the first user; if the facial feature information of the second user does not match the facial feature information of the first user, generate a second identity authentication result, and the second identity authentication result is a failed identity authentication, which is used to indicate that the second user is not the same user as the first user.

5. The method according to claim 4, It is characterized in that The method further comprises: receiving a facial image acquisition instruction sent by the insurance institution server, wherein the facial image acquisition instruction is used to instruct acquisition of the facial image of the second user; In response to the facial image acquisition instruction, the facial image of the second user is acquired, and the facial image is sent to the insurance agency server, so that the insurance agency server performs identity authentication on the second user according to the facial image of the second user to obtain an identity authentication result.

6. An insurance institution server, It is characterized in that The insurance institution server comprises: A receiving module, configured to receive an identity authentication request from a user terminal, wherein the identity authentication request includes the identity information of the first user and the type identifier of the insurance money that the first user needs to receive, and the identity authentication request is generated by the user terminal according to the operation of the second user; A first acquisition module, configured to acquire, according to the identity information, qualification authentication information corresponding to the first user and the type identifier; The second acquisition module is used to acquire the facial image of the second user when the qualification authentication information indicates that the first user is qualified to receive the insurance money identified by the type identifier; wherein, if the type of insurance money that the first user needs to receive is different, the corresponding qualification authentication information required is also different; when the first user needs to receive work-related injury compensation, the required corresponding qualification authentication information includes the identity information of the first user and the injury assessment materials of the first user; if the first user has purchased work-related injury insurance and the submitted injury assessment materials are valid, it is determined that the first user is qualified to receive the insurance money identified by the type identifier; the facial image is sent by the user terminal based on the liveness recognition of the second user and the determination that the second user is alive, and the liveness recognition includes: acquiring multiple facial images of the second user from the facial video in chronological order from front to back, each facial image is used to present a state of the face; judging whether the second user has performed a specified action based on the change in the state of the face presented by the multiple facial images, and if it is determined that the second user has completed the specified action, the second user is determined to be alive; an authentication module, configured to perform identity authentication on the second user according to the facial image and the facial feature information of the first user obtained based on the identity information to obtain an identity authentication result; wherein the identity authentication result is obtained in the following manner: extracting feature information in the facial image as facial feature information of the second user; obtaining facial feature information of the first user according to the identity information; matching the facial feature information of the second user with the facial feature information of the first user; if the facial feature information of the second user matches the facial feature information of the first user, a first identity authentication result is generated, and the first identity authentication result is a successful identity authentication, indicating that the second user is the same user as the first user; if the facial feature information of the second user does not match the facial feature information of the first user, a second identity authentication result is generated, and the second identity authentication result is a failed identity authentication, indicating that the second user is not the same user as the first user; A sending module is used to send the identity authentication result to the user terminal, where the identity authentication result is used to indicate whether the second user and the first user are the same user.

7. The insurance agency server according to claim 6, It is characterized in that The second acquisition module includes: A first generating unit, used to generate a face image acquisition instruction; A sending unit, configured to send the face image acquisition instruction to the user terminal, so that the user terminal acquires the face image of the second user; A receiving unit is used to receive the face image returned by the user terminal.

8. The insurance institution server according to claim 6 or 7, It is characterized in that The first acquisition module includes: a judgment unit, configured to judge, based on the identity information, whether the first user is the insured of the insurance money identified by the type identifier; The first acquisition unit is used to acquire the qualification authentication information of the first user corresponding to the type identifier when the first user is the insured of the insurance money identified by the type identifier.

9. A user terminal, It is characterized in that The user terminal comprises: A generating module, configured to generate an identity authentication request according to an operation of the second user, wherein the identity authentication request includes the identity information of the first user and a type identifier of the insurance money that the first user needs to collect; A sending module, used for sending the identity authentication request to the insurance agency server, so that when the insurance agency server determines that the first user is qualified to receive the insurance money identified by the type identifier based on the identity information, the second user is authenticated according to the facial image of the second user and the facial feature information of the first user obtained based on the identity information to obtain an identity authentication result; wherein, if the type of insurance money that the first user needs to receive is different, the corresponding qualification authentication information required is also different; when the first user needs to receive work-related injury compensation, the required corresponding qualification authentication information includes the identity information of the first user and the injury assessment materials of the first user; if the first user has purchased work-related injury insurance and the submitted injury assessment materials are valid, it is determined that the first user is qualified to receive the insurance money identified by the type identifier; the facial image is sent to the insurance agency server by the user terminal based on the liveness recognition of the second user and the determination that the second user is alive, and the liveness recognition includes: obtaining the second user from the face video in chronological order from front to back; multiple face images of a user, each face image is used to present a state of a face; judging whether the second user has performed a specified action according to the state changes of the faces presented by the multiple face images, and if it is determined that the second user has completed the specified action, determining that the second user is a living body; wherein the method for obtaining the identity authentication result is as follows: extracting feature information in the face image as the face feature information of the second user; obtaining the face feature information of the first user according to the identity information; matching the face feature information of the second user with the face feature information of the first user; if the face feature information of the second user matches the face feature information of the first user, generating a first identity authentication result, the first identity authentication result is a successful identity authentication, used to indicate that the second user is the same user as the first user; if the face feature information of the second user does not match the face feature information of the first user, generating a second identity authentication result, the second identity authentication result is a failed identity authentication, used to indicate that the second user is not the same user as the first user; A receiving module is used to receive the identity authentication result returned by the insurance institution server, and the identity authentication result is used to indicate whether the second user and the first user are the same user.

10. The user terminal according to claim 9, It is characterized in that The receiving module is further used to receive a facial image acquisition instruction sent by the insurance institution server, wherein the facial image acquisition instruction is used to instruct to acquire the facial image of the second user; The user terminal also includes: an acquisition module, configured to acquire the facial image of the second user in response to the facial image acquisition instruction; The sending module is further used to send the facial image to the insurance agency server, so that the insurance agency server performs identity authentication on the second user according to the facial image of the second user to obtain an identity authentication result.

11. A computer-readable storage medium, It is 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 5.

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