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

Abstract

The embodiment of the present application discloses an identity authentication method for an insured person, an insurance institution server and a terminal, wherein the method comprises: receiving an identity authentication request from a 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 a request generated by the terminal according to an operation instruction input by a second user; obtaining the qualification authentication information of the first user according to the identity information, and if the qualification authentication information indicates that the first user is qualified to collect the insurance money identified by the type identifier, obtaining the disability information of the first user and sending the disability information to the terminal so that the terminal can perform liveness recognition on the second user according to the disability information; receiving a facial image sent by the terminal when determining that the second user is alive, and performing identity authentication on the second user according to the facial image; and sending the identity authentication result to the terminal. 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 terminal. Background Art

[0002] In order to prevent someone 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 liveness recognition. In the liveness recognition process, the user is generally recognized through a fixed recognition method, that is, the actions that each user needs to perform are the same; or the recognition method is randomly selected to recognize the user, that is, the actions that each user needs to perform are random. However, some disabled users are not convenient to perform certain actions (for example, retirees who receive pensions are elderly people who may suffer from cervical spondylosis, etc., and it is not convenient to perform liveness recognition through actions such as tilting the head and nodding. For another example, users with eye disabilities are not convenient to be recognized through blinking actions), so it may take multiple attempts to successfully recognize, resulting in low recognition efficiency. 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 terminal generates an identity authentication request according to the operation instruction input by the second user, wherein the identity authentication request includes the identity information of the first user and the type identifier of the insurance money to be collected by the first user, and the terminal includes a user terminal or an insurance institution terminal;

[0006] The terminal sends the identity authentication request to the insurance institution server;

[0007] The insurance institution server obtains, according to the identity information, qualification authentication information corresponding to the first user and the type identifier;

[0008] 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 the disability information of the first user;

[0009] The insurance agency server sends the disability information to the terminal;

[0010] The terminal obtains a facial image of the second user according to the disability information, and performs liveness recognition on the second user according to the facial image;

[0011] If it is determined that the second user is alive, the terminal sends the facial image to the insurance agency server;

[0012] The insurance agency server performs identity authentication on the second user according to the facial image and the identity information of the first user to obtain an identity authentication result, wherein the identity authentication result is used to indicate whether the second user is the same user as the first user;

[0013] The insurance agency server sends the identity authentication result to the terminal.

[0014] 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:

[0015] Receiving an identity authentication request from a terminal, the identity authentication request including identity information of a first user and a type identifier of insurance money to be collected by the first user, the identity authentication request being a request generated by the terminal according to an operation instruction input by a second user, the terminal including a user terminal or an insurance institution terminal;

[0016] According to the identity information, obtaining qualification authentication information of the first user corresponding to the type identifier, if the qualification authentication information indicates that the first user is qualified to receive the insurance money identified by the type identifier, obtaining disability information of the first user, and sending the disability information to the terminal so that the terminal performs liveness recognition on the second user according to the disability information;

[0017] receiving a facial image of the second user sent by the terminal when determining that the second user is alive, and performing identity authentication on the second user according to the facial image and the identity information of the first user to obtain an identity authentication result, wherein the identity authentication result is used to indicate whether the second user is the same user as the first user;

[0018] The identity authentication result is sent to the terminal.

[0019] As an optional implementation manner, obtaining, according to the identity information, qualification authentication information corresponding to the first user and the type identifier includes:

[0020] According to the identity information, determining whether the first user is the insured of the insurance money identified by the type identifier;

[0021] If so, obtain the qualification authentication information of the first user corresponding to the type identifier.

[0022] As an optional implementation manner, performing identity authentication on the second user according to the facial image and the identity information of the first user to obtain an identity authentication result includes:

[0023] extracting feature information from the facial image as facial feature information of the second user;

[0024] Acquire facial feature information of the first user according to the identity information;

[0025] matching the facial feature information of the second user with the facial feature information of the first user;

[0026] Generate an identity authentication result based on the matching result.

[0027] As an optional implementation manner, generating an identity authentication result according to the matching result includes:

[0028] 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;

[0029] 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.

[0030] In a third aspect, an embodiment of the present application provides an identity authentication method for an insured person, which is applied to a terminal, and the method includes:

[0031] generating an identity authentication request according to the operation instruction input by the second user, and sending 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 to be collected by the first user, so that the insurance institution server obtains the disability information of the first user when determining, according to the identity information, that the first user is eligible to collect the insurance money identified by the type identifier;

[0032] receiving the disability information from the insurance institution server, acquiring a facial image of the second user according to the disability information, and performing liveness recognition on the second user according to the facial image;

[0033] If it is determined that the second user is alive, 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 and the identity information of the first user to obtain an identity authentication result, wherein the identity authentication result is used to indicate whether the second user is the same user as the first user;

[0034] Receive the identity authentication result returned by the insurance institution server.

[0035] As an optional implementation manner, acquiring a facial image of the second user according to the disability information, and performing liveness recognition on the second user according to the facial image includes:

[0036] Determining, according to the disability information, a specified action that the second user needs to perform during liveness recognition;

[0037] Outputting an action execution reminder message, wherein the action execution reminder message is used to prompt the second user to execute the specified action;

[0038] acquiring a facial image of the second user according to the action execution reminder message, and determining action information of the second user from the facial image;

[0039] If the action information indicates that the second user has performed the designated action, it is determined that the second user is alive.

[0040] 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.

[0041] In a fifth aspect, an embodiment of the present application provides a terminal, which includes modules and units for executing the method of the third aspect above.

[0042] 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.

[0043] In the seventh aspect, an embodiment of the present application provides another terminal, 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 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.

[0044] 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.

[0045] 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.

[0046] In the embodiment of the present application, by performing liveness recognition on the insured, it is possible to prevent someone from using the insured's image for identity authentication to falsely claim insurance money. In addition, the terminal can select a suitable liveness recognition method for the insured according to the insured's disability information, which can improve the efficiency of the terminal in performing liveness recognition on the insured, thereby improving the efficiency of the insurance institution server in performing identity authentication on the insured. BRIEF DESCRIPTION OF THE DRAWINGS

[0047] 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.

[0048] 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;

[0049] 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;

[0050] 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;

[0051] Figure 4 is a schematic block diagram of an insurance institution server provided in an embodiment of the present application;

[0052] Figure 5 is a schematic block diagram of a terminal provided in an embodiment of the present application;

[0053] Figure 6 is a schematic block diagram of another insurance institution server provided in an embodiment of the present application;

[0054] Figure 7 It is a schematic block diagram of another terminal provided in an embodiment of the present application. DETAILED DESCRIPTION

[0055] The embodiments of the present application will be described below in conjunction with the drawings in the embodiments of the present application.

[0056] 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:

[0057] S11. The terminal generates an identity authentication request according to an operation instruction input by a second user.

[0058] The terminal may be a user terminal or an insurance institution terminal. The insurance institution terminal is a self-service terminal installed in an insurance institution, and the user terminal may be, for example, a mobile phone (such as an iOS phone, an Android phone, etc.), a tablet computer, a desktop computer, etc.

[0059] When the terminal is a user terminal, the operation instruction input by the second user may be an identity authentication instruction input by the second user into a client installed in the user terminal and opened by the second user. The identity authentication instruction includes the identity information of the first user, the type identifier of the insurance money to be collected by the first user, and the identifier of the insurance institution, where the insurance institution 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.

[0060] 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.

[0061] 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 to be collected by the first user, and the identifier of the insurance institution.

[0062] When the terminal is an insurance agency terminal, the insurance agency terminal can output an insurance money collection icon. When the second user's selection operation for the insurance money collection icon is received, the insurance agency terminal can output an identity information input interface, and the second user can enter the identity information of the first user in the identity information input interface. Furthermore, the insurance agency terminal can also output an insurance money type selection interface, and the insurance money type selection interface can include icons corresponding to multiple types of insurance money. When the second user's selection operation for an icon corresponding to a certain type of insurance money is received, the insurance agency terminal can generate an identity authentication request. Among them, the identity authentication request includes the identity information of the first user and the type identifier of the insurance money to be collected by the first user. The insurance money to be collected by the first user is the insurance money selected by the second user in the insurance money type selection interface.

[0063] S12. The terminal sends the identity authentication request to the insurance institution server.

[0064] 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.

[0065] S13. The insurance institution server obtains qualification authentication information corresponding to the first user and the type identifier based on the identity information.

[0066] Specifically, when the type of insurance money to be collected by the first user is different, the required qualification authentication information may also be different.

[0067] 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.

[0068] 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.

[0069] 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.

[0070] 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.

[0071] 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.

[0072] 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 institution server obtains the disability information of the first user.

[0073] 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.

[0074] 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 disability information of the first user.

[0075] The disability information may include the insured's medical record information, disability certificate information and other health status information pre-stored in the insurance agency's server, as well as injury assessment materials submitted by the insured.

[0076] S15. The insurance agency server sends the disability information to the terminal.

[0077] S16. The terminal obtains a facial image of the second user according to the disability information, and performs living body recognition on the second user according to the facial image.

[0078] Specifically, the terminal performs liveness recognition on the second user based on the facial image to determine whether the facial image is a facial image captured from a living person.

[0079] The disability information is used to determine the method of performing liveness recognition on the second user, that is, the disability information is used to determine the specified action that the second user needs to perform during liveness recognition.

[0080] S17: If it is determined that the second user is alive, the terminal sends the facial image to the insurance agency server.

[0081] S18. The insurance agency server performs identity authentication on the second user based on the facial image and the identity information of the first user to obtain an identity authentication result.

[0082] The identity authentication result is used to indicate whether the second user is the same user as the first user.

[0083] Specifically, the insurance agency server may obtain the facial image of the second user from the terminal, and extract feature information (ie, facial feature information) from the facial image.

[0084] 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 determining 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.

[0085] 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.

[0086] 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.

[0087] S19. The insurance agency server sends the identity authentication result to the terminal.

[0088] The terminal can output the identity authentication result, so that the second user can view the identity authentication result through the terminal.

[0089] 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.

[0090] 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.

[0091] Furthermore, the financial institution server deducts the insurance amount from the payment account and transfers it to the receiving account.

[0092] In the embodiment of the present application, by performing liveness recognition on the insured, it is possible to prevent someone from using the insured's image for identity authentication to falsely claim insurance money. In addition, the terminal can select a suitable liveness recognition method for the insured according to the insured's disability information, which can improve the efficiency of the terminal in performing liveness recognition on the insured, thereby improving the efficiency of the insurance institution server in performing identity authentication on the insured.

[0093] 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:

[0094] S21. Receive an identity authentication request from a terminal.

[0095] The terminal may be a user terminal or an insurance institution terminal, and the insurance institution terminal is a self-service terminal installed in an insurance institution.

[0096] The identity authentication request includes the identity information of the first user and the type identifier of the insurance money to be collected by the first user. The identity authentication request is a request generated by the terminal according to the operation instruction input by the second user.

[0097] S22. Acquire qualification authentication information corresponding to the first user and the type identifier according to the identity information.

[0098] Specifically, when the type of insurance money to be collected by the first user is different, the required qualification authentication information may also be different.

[0099] 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.

[0100] 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.

[0101] 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.

[0102] 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.

[0103] 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 is understandable that an insured can purchase one or more types of insurance money from the insurance agency. Thus, based on the identity information of the first user, the insurance agency server may determine the type identifier set of the insurance money purchased by the first user from the insurance agency. If the type identifier set includes the type identifier of the insurance money to be collected by the first user, the insurance agency server may determine that the first user is the insured of the insurance money identified by the type identifier.

[0104] S23. If the qualification authentication information indicates that the first user is qualified to receive the insurance money identified by the type identifier, obtaining the disability information of the first user and sending the disability information to the terminal.

[0105] Specifically, the insurance agency server also needs to obtain the insurance policy information of the first user according to the identity information of the first user. Thus, according to 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 disability information of the first user.

[0106] The disability information may include the insured's medical record information, disability certificate information and other health status information pre-stored in the insurance agency's server, as well as injury assessment materials submitted by the insured.

[0107] Specifically, when the type of insurance money to be received by the first user is pension, the insurance agency server may use the acquired health status information of the first user as the disability information of the first user.

[0108] When the type of insurance money to be received by the first user is work-related injury compensation, the insurance agency server may use the acquired health status information and injury assessment materials of the first user as the disability information of the first user.

[0109] Furthermore, the insurance agency server sends the disability information to the terminal. When receiving the disability information, the terminal can perform liveness recognition on the second user according to the disability information. The disability information is used to determine the method for performing liveness recognition on the second user, that is, the disability information is used to determine the specified action that the second user needs to perform during liveness recognition.

[0110] Specifically, the terminal may obtain the facial image of the second user according to the disability information, and perform liveness recognition on the second user according to the facial image, wherein the terminal performs liveness recognition on the second user according to the facial image to determine whether the facial image is a facial image captured from a living person.

[0111] When it is determined that the second user is alive, the terminal may send the facial image to the insurance agency server.

[0112] S24: receiving a facial image of the second user sent by the terminal when determining that the second user is alive, and performing identity authentication on the second user according to the facial image and the identity information of the first user to obtain an identity authentication result.

[0113] The identity authentication result is used to indicate whether the second user is the same user as the first user.

[0114] In an embodiment of the present application, the insurance agency server performs identity authentication on the second user based on the facial image and the identity information of the first user 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.

[0115] 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 determining 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.

[0116] 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.

[0117] 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.

[0118] 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.

[0119] S25. Send the identity authentication result to the terminal.

[0120] The terminal can output the identity authentication result, so that the second user can view the identity authentication result through the terminal.

[0121] In the embodiment of the present application, by performing liveness recognition on the insured, it is possible to prevent someone from using the insured's image for identity authentication to falsely claim insurance money. In addition, the terminal can select a suitable liveness recognition method for the insured according to the insured's disability information, which can improve the efficiency of the terminal in performing liveness recognition on the insured, thereby improving the efficiency of the insurance institution server in performing identity authentication on the insured.

[0122] 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 terminal, which can be a user terminal or an insurance institution terminal. Figure 3 The methods of identity verification of the insured person shown may include:

[0123] S31. Generate an identity authentication request according to the operation instruction input by the second user, and send the identity authentication request to the insurance institution server.

[0124] Among them, the identity authentication request includes the identity information of the first user and the type identifier of the insurance money to be collected by the first user, so that the insurance agency server can obtain the disability information of the first user when it determines that the first user is eligible to collect the insurance money identified by the type identifier based on the identity information.

[0125] 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.

[0126] 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 disability information of the first user.

[0127] The disability information may include the insured's medical record information, disability certificate information and other health status information pre-stored in the insurance agency's server, as well as injury assessment materials submitted by the insured.

[0128] S32. Receive the disability information from the insurance agency server, obtain a facial image of the second user based on the disability information, and perform liveness recognition on the second user based on the facial image.

[0129] As an optional implementation, the terminal (such as a mobile phone or a tablet computer) may have a built-in camera. Thus, the terminal may collect the user's facial image through the built-in camera.

[0130] As another optional implementation, the terminal (such as a desktop computer, a terminal of a medical institution) can be connected to an external camera. Thus, the terminal can control the external camera to collect the user's face image and send the collected face image to the terminal.

[0131] In an embodiment of the present application, the terminal obtains a facial image of the second user based on the disability information, and performs liveness recognition on the second user based on the facial image, which may specifically include: determining a specified action that the second user needs to perform during liveness recognition based on the disability information; outputting an action execution reminder message, wherein the action execution reminder message is used to prompt the second user to perform the specified action; obtaining the facial image of the second user based on the action execution reminder message, and determining the action information of the second user from the facial image; if the action information indicates that the second user has performed the specified action, determining that the second user is alive.

[0132] In the embodiment of the present application, an action set may be pre-stored in the terminal.

[0133] As an optional implementation, when receiving the disability information, the terminal can determine the action that is inconvenient for the first user to perform based on the disability information, and delete the inconvenient action from the action set to update the action set. Further, the terminal can select one or more actions from the updated action set to determine as the designated action that the second user needs to perform during liveness recognition.

[0134] For example, when the action set includes actions such as nodding, blinking, opening the mouth, tilting the head to the left, and tilting the head to the right, and the disability information indicates that the first user has an eye disability, the terminal can determine blinking as an action that is inconvenient for the first user to perform, and select one or more actions from the actions of nodding, opening the mouth, tilting the head to the left, and tilting the head to the right as the designated actions that the second user needs to perform during liveness recognition.

[0135] As another optional implementation, when the disability information is received, the terminal can determine the actions that are convenient for the first user to perform based on the disability information, and determine one or more of the convenient actions as the designated actions that the second user needs to perform during liveness recognition.

[0136] For example, when the action set includes nodding, blinking, opening the mouth, tilting the head to the left, tilting the head to the right, and the disability information indicates that the first user has cervical spondylosis, the terminal can determine blinking and opening the mouth as actions that are convenient for the first user to perform, and determine blinking and / or opening the mouth as designated actions that the second user needs to perform during liveness recognition.

[0137] Furthermore, the terminal can output an action execution reminder message on its display screen to prompt the second user to complete the specified action. Thus, the terminal can perform liveness recognition on the second user according to the completion status of the specified action.

[0138] The terminal may output a text reminder message or a voice reminder message, such as "nod" or "wink", to prompt the second user to perform the action specified in the text reminder message or the voice reminder message. Alternatively, the terminal may output a video reminder message, which includes a demonstration action, to prompt the second user to perform the demonstration action in the video reminder message. Of course, the terminal may also output a text reminder message and a video reminder message at the same time, and the embodiment of the present application does not impose any restrictions on the specific reminder method.

[0139] As an optional implementation, the 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 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.

[0140] As another optional implementation, the terminal may perform action recognition on the face video, so that the terminal may determine whether the second user has performed a specified action according to the result of the action recognition.

[0141] S33: If it is determined that the second user is alive, the facial image is sent to the insurance agency server.

[0142] When receiving the facial image, the insurance agency server may perform identity authentication on the second user based on the facial image to obtain an identity authentication result.

[0143] The identity authentication result is used to indicate whether the second user is the same user as the first user.

[0144] S34. Receive the identity authentication result returned by the insurance institution server.

[0145] The terminal can output the identity authentication result, so that the second user can view the identity authentication result through the terminal.

[0146] In the embodiment of the present application, by performing liveness recognition on the insured, it is possible to prevent someone from using the insured's image for identity authentication to falsely claim insurance money. In addition, the terminal can improve the efficiency of the terminal's liveness recognition of the insured based on the insured's disability information, thereby improving the efficiency of the insurance institution server's identity authentication of the insured.

[0147] 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 4 The insurance agency server 40 shown may include: a receiving module 41 , a first obtaining module 42 , a second obtaining module 43 , a sending module 44 and an authentication module 45 .

[0148] The receiving module 41 is used to receive an identity authentication request from a 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 to be collected by the first user. The identity authentication request is a request generated by the terminal according to the operation instruction input by the second user, and the terminal includes a user terminal or an insurance institution terminal.

[0149] 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.

[0150] As an optional implementation, the first acquisition module 42 may include a judgment unit 421 and a first acquisition unit 422 .

[0151] 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.

[0152] 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.

[0153] The second acquisition module 43 is used to acquire the disability information of the first user when the qualification authentication information indicates that the first user is qualified to receive the insurance money identified by the type identifier.

[0154] The sending module 44 is used to send the disability information to the terminal so that the terminal can perform living body recognition on the second user according to the disability information.

[0155] The receiving module 41 is further configured to receive a facial image of the second user sent by the terminal when the terminal determines that the second user is alive.

[0156] The authentication module 45 is used to perform identity authentication on the second user according to the face image and the identity information of the first user to obtain an identity authentication result. In an embodiment of the present application, the identity authentication result is used to indicate whether the second user is the same user as the first user.

[0157] As an optional implementation, the authentication module 45 may include: an extraction unit 451 , a second acquisition unit 452 , a matching unit 453 and a generation unit 454 .

[0158] The extraction unit 451 is used to extract feature information from the face image as the face feature information of the second user.

[0159] The second acquisition unit 452 is used to acquire the facial feature information of the first user according to the identity information.

[0160] The matching unit 453 is used to match the facial feature information of the second user with the facial feature information of the first user.

[0161] The generating unit 454 is used to generate an identity authentication result according to the matching result.

[0162] As an optional implementation, the generating unit 454 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, wherein the first identity authentication result is a successful identity authentication, indicating that the second user is the same user as the first user.

[0163] As another optional implementation, the generating unit 454 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.

[0164] The sending module 44 is further configured to send the identity authentication result to the terminal.

[0165] 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.

[0166] In the embodiment of the present application, by performing liveness recognition on the insured, it is possible to prevent someone from using the insured's image for identity authentication to falsely claim insurance money. In addition, the terminal can select a suitable liveness recognition method for the insured according to the insured's disability information, which can improve the efficiency of the terminal in performing liveness recognition on the insured, thereby improving the efficiency of the insurance institution server in performing identity authentication on the insured.

[0167] The present application also provides a terminal, which includes a terminal for executing the present application. Figure 3 Modules and units of the method shown. Specifically, see Figure 5 , is a schematic block diagram of a terminal 50 provided in an embodiment of the present application. Figure 5 The 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 .

[0168] The generating module 51 is used to generate an identity authentication request according to the operation instruction input by 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 to be collected by the first user.

[0169] The sending module 52 is used to send the identity authentication request to the insurance agency server, so that the insurance agency server obtains the disability information of the first user when determining that the first user is eligible to receive the insurance money identified by the type identifier based on the identity information;

[0170] The receiving module 53 is used to receive the disability information from the insurance agency server.

[0171] The acquisition module 54 is used to acquire the facial image of the second user according to the disability information.

[0172] The recognition module 55 is used to perform living body recognition on the second user according to the face image.

[0173] As an optional implementation, the acquisition module 54 may include: a first determination unit 541 , an output unit 542 , and an acquisition unit 543 .

[0174] The first determining unit 541 is used to determine the specified action that the second user needs to perform during liveness recognition according to the disability information.

[0175] The output unit 542 is used to output an action execution reminder message, wherein the action execution reminder message is used to prompt the second user to execute the specified action.

[0176] The acquisition unit 543 is configured to acquire the facial image of the second user according to the action execution reminder message.

[0177] In this implementation, the identification module 55 may include: a second determination unit 551 and a third determination unit 552 .

[0178] The second determining unit 551 is used to determine the action information of the second user from the face image.

[0179] The third determining unit 552 is configured to determine that the second user is alive when the action information indicates that the second user has performed the designated action.

[0180] The sending module 52 is further configured to send the facial image to the insurance agency server when it is determined that the second user is alive, so that the insurance agency server performs identity authentication on the second user based on the facial image and the identity information of the first user to obtain an identity authentication result. In an embodiment of the present application, the identity authentication result is used to indicate whether the second user is the same user as the first user.

[0181] The receiving module 53 is further configured to receive the identity authentication result returned by the insurance institution server.

[0182] It should be noted that for the specific working process of the 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.

[0183] In the embodiment of the present application, by performing liveness recognition on the insured, it is possible to prevent someone from using the insured's image for identity authentication to falsely claim insurance money. In addition, the terminal can select a suitable liveness recognition method for the insured according to the insured's disability information, which can improve the efficiency of the terminal in performing liveness recognition on the insured, thereby improving the efficiency of the insurance institution server in performing identity authentication on the insured.

[0184] 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 terminals).

[0185] Specifically, the processor 61 is configured to call the program instruction to execute:

[0186] Receiving an identity authentication request from a terminal, the identity authentication request including identity information of a first user and a type identifier of insurance money to be collected by the first user, the identity authentication request being a request generated by the terminal according to an operation instruction input by a second user, the terminal including a user terminal or an insurance institution terminal;

[0187] According to the identity information, obtaining qualification authentication information of the first user corresponding to the type identifier, if the qualification authentication information indicates that the first user is qualified to receive the insurance money identified by the type identifier, obtaining disability information of the first user, and sending the disability information to the terminal so that the terminal performs liveness recognition on the second user according to the disability information;

[0188] receiving a facial image of the second user sent by the terminal when determining that the second user is alive, and performing identity authentication on the second user according to the facial image and the identity information of the first user to obtain an identity authentication result, wherein the identity authentication result is used to indicate whether the second user is the same user as the first user;

[0189] The identity authentication result is sent to the terminal.

[0190] As an optional implementation manner, the processor 61 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:

[0191] According to the identity information, determining whether the first user is the insured of the insurance money identified by the type identifier;

[0192] If so, obtain the qualification authentication information of the first user corresponding to the type identifier.

[0193] As an optional implementation manner, the processor 61 is configured to call the program instruction to execute the identity authentication of the second user according to the facial image and the identity information of the first user to obtain the identity authentication result and specifically perform:

[0194] extracting feature information from the facial image as facial feature information of the second user;

[0195] Acquire facial feature information of the first user according to the identity information;

[0196] matching the facial feature information of the second user with the facial feature information of the first user;

[0197] Generate an identity authentication result based on the matching result.

[0198] As an optional implementation, the processor 61 is configured to call the program instruction to execute the specific execution of generating the identity authentication result according to the matching result:

[0199] 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;

[0200] 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.

[0201] In the embodiment of the present application, the processor 61 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.

[0202] In the embodiment of the present application, by performing liveness recognition on the insured, it is possible to prevent someone from using the insured's image for identity authentication to falsely claim insurance money. In addition, the terminal can select a suitable liveness recognition method for the insured according to the insured's disability information, which can improve the efficiency of the terminal in performing liveness recognition on the insured, thereby improving the efficiency of the insurance institution server in performing identity authentication on the insured.

[0203] 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 61 is configured to call the program instructions to execute the present application. Figure 2The insured person’s identity authentication method is shown.

[0204] 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 memory card (Smart Media Card, SMC), a secure digital (Secure Digital, SD) card, a flash card (Flash Card), etc., equipped on the insurance institution server.

[0205] See also Figure 7 , is a schematic block diagram of another terminal 70 provided in an embodiment of the present application. Figure 7 The 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 terminal 70 and other devices (such as an insurance agency server).

[0206] Specifically, the processor 71 is configured to call the program instruction to execute:

[0207] generating an identity authentication request according to the operation instruction input by the second user, and sending 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 to be collected by the first user, so that the insurance institution server obtains the disability information of the first user when determining, according to the identity information, that the first user is eligible to collect the insurance money identified by the type identifier;

[0208] receiving the disability information from the insurance institution server, acquiring a facial image of the second user according to the disability information, and performing liveness recognition on the second user according to the facial image;

[0209] If it is determined that the second user is alive, 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 and the identity information of the first user to obtain an identity authentication result, wherein the identity authentication result is used to indicate whether the second user is the same user as the first user;

[0210] Receive the identity authentication result returned by the insurance institution server.

[0211] As an optional implementation manner, the processor 71 is configured to call the program instruction to execute the step of acquiring a facial image of the second user according to the disability information, and performing liveness recognition on the second user according to the facial image:

[0212] Determining, according to the disability information, a specified action that the second user needs to perform during liveness recognition;

[0213] Outputting an action execution reminder message, wherein the action execution reminder message is used to prompt the second user to execute the specified action;

[0214] acquiring a facial image of the second user according to the action execution reminder message, and determining action information of the second user from the facial image;

[0215] If the action information indicates that the second user has performed the designated action, it is determined that the second user is alive.

[0216] In the embodiment of the present application, the processor 71 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.

[0217] In the embodiment of the present application, by performing liveness recognition on the insured, it is possible to prevent someone from using the insured's image for identity authentication to falsely claim insurance money. In addition, the terminal can select a suitable liveness recognition method for the insured according to the insured's disability information, which can improve the efficiency of the terminal in performing liveness recognition on the insured, thereby improving the efficiency of the insurance institution server in performing identity authentication on the insured.

[0218] 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 71 is configured to call the program instructions to execute the present application. Figure 3 The insured person’s identity authentication method is shown.

[0219] The computer-readable storage medium may be an internal storage unit of the terminal described in any of the foregoing embodiments, such as a hard disk or memory of the terminal. The computer-readable storage medium may also be an external storage device of the terminal, such as a plug-in hard disk, SMC, SD card, flash memory card, etc. equipped on the terminal.

[0220] 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, characterized in that: The method comprises: Receiving an identity authentication request from a terminal, the identity authentication request including identity information of a first user and a type identifier of insurance money to be collected by the first user, the identity authentication request being a request generated by the terminal according to an operation instruction input by a second user, the terminal including a user terminal or an insurance institution terminal; According to the identity information, obtaining the qualification authentication information of the first user corresponding to the type identifier, if the qualification authentication information indicates that the first user is qualified to receive the insurance money identified by the type identifier, obtaining the disability information of the first user, and sending the disability information to the terminal, so that the terminal determines the designated action that the second user needs to perform during liveness recognition according to the disability information, the terminal outputs an action execution reminder message, the action execution reminder message is used to prompt the second user to perform the designated action, the terminal obtains the face image of the second user according to the action execution reminder message, and determines the action information of the second user from the face image, if the action information indicates that the second user has performed the designated action, the terminal determines that the second user is a live body; receiving a facial image of the second user sent by the terminal when determining that the second user is alive, and performing identity authentication on the second user according to the facial image and the identity information of the first user to obtain an identity authentication result, wherein the identity authentication result is used to indicate whether the second user is the same user as the first user; The identity authentication result is sent to the terminal.

2. The method according to claim 1, 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.

3. The method according to claim 1 or 2, characterized in that: The performing identity authentication on the second user according to the facial image and the identity information of the first user to obtain an identity authentication result includes: 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; Generate an identity authentication result based on the matching result.

4. The method according to claim 3, characterized in that Generating an identity authentication result according to the matching result includes: 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.

5. A method for authenticating the identity of an insured person, characterized in that: The method comprises: generating an identity authentication request according to the operation instruction input by the second user, and sending 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 to be collected by the first user, so that the insurance institution server obtains the disability information of the first user when determining, according to the identity information, that the first user is eligible to collect the insurance money identified by the type identifier; receiving the disability information from the insurance institution server, and determining, according to the disability information, a designated action that the second user needs to perform during liveness recognition; Outputting an action execution reminder message, wherein the action execution reminder message is used to prompt the second user to execute the specified action; acquiring a facial image of the second user according to the action execution reminder message, and determining action information of the second user from the facial image; If the action information indicates that the second user has performed the specified action, determining that the second user is alive; If it is determined that the second user is alive, 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 and the identity information of the first user to obtain an identity authentication result, wherein the identity authentication result is used to indicate whether the second user is the same user as the first user; Receive the identity authentication result returned by the insurance institution server.

6. An insurance institution server, characterized in that: The method comprises modules and / or units for executing the method according to any one of claims 1 to 4.

7. A terminal, characterized in that: Comprises modules for performing the method of claim 5.

8. 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 executes the method according to any one of claims 1 to 4.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, which includes program instructions. When the program instructions are executed by a processor, the processor is caused to perform the method according to claim 5 .

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