Medical insurance data analysis method and system

Abstract

The present invention relates to the technical field of medical insurance data processing, and discloses a medical insurance data analysis method and system, the system comprising a medical insurance purchaser information collection module, a medical insurance purchaser qualification management module, and a medical insurance purchase demand and handling management module. Based on the identity information of the relatives of the medical insurance purchaser, the medical insurance purchaser can cooperate with a mobile terminal to accurately collect the opinion information of the relatives of the medical insurance purchaser online and remotely; at the same time, the relatives of the medical insurance purchaser can be combined with the keyword parameters agreed by the relatives of the medical insurance purchaser to perform a precise qualification analysis of the willingness of the relatives of the medical insurance purchaser, so as to realize the intelligent evaluation of the willingness and qualification of the relatives of the medical insurance purchaser, realize the comprehensive and scientific evaluation of the purchase qualification of the medical insurance purchaser, and realize the humanized and safe service of medical insurance business handling.

Description

Technical Field

[0001] The present invention relates to the technical field of medical insurance data processing, and in particular to a medical insurance data analysis method and system. Background Art

[0002] Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. Through the payment of employers and individuals, a medical insurance fund is established. After the insured person incurs medical expenses when he or she is sick, the medical insurance agency will provide him or her with certain financial compensation. The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members. With the government's funding, it can enable sick social members to obtain necessary material assistance from the society, reduce the burden of medical expenses, and prevent sick social members from "falling into poverty due to illness". The existing medical insurance purchase process relies on insurance personnel to manually recommend appropriate medical insurance types according to the basic conditions and needs of the insured. It cannot achieve scientific and strict analysis of the medical insurance purchase qualifications of the purchaser, nor can it accurately match the medical insurance type based on the actual conditions and needs of the purchaser, which reduces the service quality and efficiency of medical insurance business handling.

[0003] A Chinese invention patent application with publication number CN106095863A discloses a multi-dimensional data query and storage system, which realizes classified and accurate query of insurance business data by setting an interface, a cache unit, an analysis front-end unit, a search engine, a database unit and multi-dimensional key-value routing, and realizes efficient and reliable search of insurance business data by cooperating with the database, routing data and cache data; however, the above technical scheme cannot accurately evaluate and screen the purchasing qualifications and actual needs of people who want to purchase insurance, which reduces the efficiency and service quality of online handling of insurance business. Summary of the invention

[0004] 1. Technical issues to be resolved

[0005] In order to solve the problem that the existing medical insurance purchasing process relies on insurance personnel to manually recommend appropriate medical insurance types according to the basic conditions and needs of the insured, and cannot achieve scientific and strict analysis of the medical insurance purchasing qualifications of the purchaser, nor can it accurately match the medical insurance type based on the actual conditions and needs of the purchaser, thereby reducing the service quality and efficiency of medical insurance business handling, the above purposes of independently judging the age qualifications of the medical insurance purchaser, scientifically analyzing the mental state qualifications of the medical insurance purchaser, accurately identifying the qualifications of the relatives of the medical insurance purchaser, customized screening of the medical insurance type required by the purchaser, intelligent generation of medical insurance contract documents, and efficient and accurate signing of medical insurance contracts are achieved.

[0006] (II) Technical solution

[0007] The present invention is implemented by the following technical solution: a medical insurance data analysis method, the method comprising the following steps:

[0008] S1. Collecting text data of the identity of the person to be purchased for medical insurance and the identity of the relatives of the person to be purchased for medical insurance;

[0009] S2. Analyze and process the age qualification of the medical insurance purchaser based on the identity text data of the medical insurance purchaser and the standard age range for medical insurance purchase, and generate analysis data of the age qualification of the medical insurance purchaser. If the age qualification is not met, directly terminate the medical insurance purchase transaction operation;

[0010] S3. When the age is acceptable, the sanity test questions and answer data of the medical insurance buyer are searched and processed based on the identity text data of the medical insurance buyer and the sanity test question data of the medical insurance buyer, the sanity test question data selected by the medical insurance buyer is generated, and the sanity test question is output and displayed;

[0011] S4, collecting answer data of the mental state test questions selected by the medical insurance purchaser, and performing mental state qualification judgment processing on the mental state test questions selected by the medical insurance purchaser, generating mental state qualification judgment data of the medical insurance purchaser, and directly ending the medical insurance purchase transaction operation when the mental state fails;

[0012] S5. When the person is mentally qualified, the operation of collecting the opinions of the relatives of the medical insurance purchaser on the medical insurance purchase event is performed based on the identity text data of the relatives of the medical insurance purchaser, generating the text data of the opinions of the relatives of the medical insurance purchaser, and performing the willingness and qualification analysis processing of the relatives of the medical insurance purchaser with the keyword data of the relatives of the medical insurance purchaser to generate the willingness and qualification analysis data of the relatives of the medical insurance purchaser, and when the willingness is not qualified, the operation of purchasing the medical insurance transaction is directly terminated;

[0013] S6. When the willingness is approved, the text data of the medical insurance demand characteristics of the person to be purchased is collected and the text data of the characteristics of different types of medical insurance are used to screen the type of medical insurance required by the person to be purchased, and generate the target medical insurance type data of the person to be purchased;

[0014] S7. Search and process the contract document object of the medical insurance type required by the purchaser based on the target medical insurance type data of the purchaser and the different types of medical insurance contract document data, generate the target medical insurance contract document data of the purchaser and execute the medical insurance contract signing operation.

[0015] Preferably, the steps for collecting the identity text data of the person to be purchased for medical insurance and the identity text data of the relatives of the person to be purchased for medical insurance are as follows:

[0016] S11. The medical insurance purchaser enters personal identity information online through the data collection dialog box and generates the medical insurance purchaser's identity text data The identity text data of the person to be purchased of the medical insurance includes the name, ID number, educational background information, age and contact information of the person to be purchased of the medical insurance;

[0017] The medical insurance buyer enters the relative identity feature information online through the data collection dialog box and generates the medical insurance buyer's relative identity text data The text data of the identity of the relatives of the person to be purchased of the medical insurance includes the name, ID number, age and contact information of the relatives of the person to be purchased of the medical insurance, and the contact information includes any one of a mobile phone number, WeChat account, and QQ account.

[0018] Preferably, the age qualification analysis of the medical insurance purchaser is performed based on the identity text data of the medical insurance purchaser and the standard age range for medical insurance purchase, and the age qualification analysis data of the medical insurance purchaser is generated. When the age is not qualified, the operation steps of directly ending the medical insurance purchase transaction operation are as follows:

[0019] S21. Establish a standard age range for purchasing medical insurance ,in and Respectively represent the standard age range for purchasing medical insurance The minimum age data and the maximum age data of the medical insurance purchase standard, wherein the medical insurance purchase standard age range represents the standard age range of the person who is qualified to purchase the medical insurance;

[0020] S22: The identity text data of the medical insurance buyer is sent to Age data of people who want to purchase Chinese medical insurance and the standard age range for purchasing medical insurance The minimum age for purchasing medical insurance as stated in and the maximum age data for purchasing medical insurance Perform age value comparison and generate age qualification analysis data of the person to be purchasing medical insurance based on the age value comparison results ;

[0021] when ∈ , indicating that the age of the person to be purchased meets the medical insurance purchase qualifications, then the age qualification analysis data of the person to be purchased is output Passed for age;

[0022] when ∉ , indicating that the age of the person to be purchased does not meet the medical insurance purchase qualifications, then the age qualification analysis data of the person to be purchased is output If the age requirement is not met, the medical insurance purchase transaction will be terminated directly.

[0023] Preferably, when the age is passed, the steps of searching and processing the sanity test questions and answer data of the medical insurance buyer based on the identity text data of the medical insurance buyer and the sanity test question data of the medical insurance buyer are performed, generating the sanity test question data selected by the medical insurance buyer and outputting and displaying the sanity test question are as follows:

[0024] S31. Establishing a data set of mental sanity test questions for medical insurance buyers , ;in Indicates The mental health test questions data of the medical insurance buyer corresponding to the identity information type of the medical insurance buyer, Indicates the maximum number of identity information types of the medical insurance buyer, the identity information type of the medical insurance buyer indicates the identity information type generated by the combination of the education level and age of the medical insurance buyer; the mental state test question data of the medical insurance buyer indicates the questions and question answer combination data for testing the mental state of the buyer set according to the standard of the combination of the education level and age of the medical insurance buyer;

[0025] S32: When the age qualification analysis data of the medical insurance buyer is When the age is passed, the XGBoost algorithm is used to convert the identity text data of the medical insurance buyer A data set of mental sanity test questions for the medical insurance buyer Data on mental sanity test questions for persons seeking to purchase medical insurance According to the identity information data, search for the identity text data of the person to be purchased by the medical insurance Corresponding data of mental sanity test questions for the medical insurance buyer , and construct a data set for selecting mental health test questions for medical insurance buyers ;

[0026] S33, the mental test question data selected by the medical insurance buyer The corresponding mental test question information is output and displayed online through the touch display screen.

[0027] Preferably, the steps of collecting the answer data of the sanity test questions selected by the medical insurance purchaser and performing the sanity qualification judgment processing on the sanity test questions selected by the medical insurance purchaser to generate the sanity qualification judgment data of the medical insurance purchaser, and directly ending the medical insurance purchase transaction operation when the sanity is not passed are as follows:

[0028] S41, collecting mental test topic data selected by the medical insurance buyer online through the touch screen Corresponding sanity test question answer data and generating sanity test question answer data selected by the medical insurance purchaser ;

[0029] S42, the answer data of the mental test questions selected by the medical insurance purchaser Data on mental sanity test questions selected by the medical insurance purchaser The corresponding answers to the questions are matched with the characters of the answers to the sanity test questions, and the sanity status qualification judgment data of the medical insurance purchaser is generated based on the character matching results of the answers to the sanity test questions. ;

[0030] when and If the answer to the sanity test is matched successfully, it means that the sanity of the medical insurance buyer meets the medical insurance purchase qualifications, and the sanity qualification judgment data of the medical insurance buyer is output. For sanity to pass;

[0031] when and If the answer to the sanity test fails to match the characters, it means that the sanity of the medical insurance buyer does not meet the medical insurance purchase qualifications, then the sanity qualification judgment data of the medical insurance buyer is output. If the person is not mentally competent, the medical insurance purchase transaction will be terminated immediately.

[0032] Preferably, when the mental state is passed, the opinion information collection operation of the relatives of the medical insurance to be purchased on the medical insurance purchase event is performed according to the identity text data of the relatives of the medical insurance to be purchased, the opinion text data of the relatives of the medical insurance to be purchased is generated, and the willingness and qualification analysis processing of the relatives of the medical insurance to be purchased is performed with the keyword data of the relatives of the medical insurance to be purchased to generate the willingness and qualification analysis data of the relatives of the medical insurance to be purchased. When the willingness is not passed, the operation steps of directly ending this medical insurance purchase transaction operation are as follows:

[0033] S51, when the mental status qualification judgment data of the medical insurance purchaser If the person is mentally competent, the medical insurance management platform will use the identity text data of the relatives of the medical insurance buyer to The contact information of the relatives of the person to be purchased includes the event of the person to be purchased purchasing medical insurance and the identity text data of the person to be purchased Push feedback to the relatives of the person to be purchased, and collect text information of the relatives' opinions on the purchase of medical insurance by the person to be purchased through the mobile terminal, and generate text data of the relatives' opinions on medical insurance , the mobile terminal includes any one of a smart phone, a notebook, and a tablet computer;

[0034] S52. Establishing a keyword data set for relatives of the person to be purchased of medical insurance , ;in Indicates The relatives of the medical insurance buyer agree to the keyword data. It indicates the maximum value of the number of keywords approved by the relatives of the medical insurance buyer. The keyword data of the relatives of the medical insurance buyer include agree, promise, promise, allow, formulate, agree, permit, allow, permit, approve and approve;

[0035] S52, using a unified cost search algorithm to search the text data of the relatives' opinions of the medical insurance buyer A keyword data set that agrees with the relatives of the person to be purchased of the medical insurance The relatives of the person to be purchased of the medical insurance mentioned in the contract agree to the keyword data Perform keyword matching to generate qualification analysis data on the relatives of the medical insurance purchaser based on the matching results ;

[0036] when and Agree that the keyword match is successful, indicating that the qualifications of the relatives of the medical insurance purchaser meet the qualifications for purchasing medical insurance, and the analysis data of the qualifications of the relatives of the medical insurance purchaser is output. Pass for the will;

[0037] when and If the keyword "agree" is not matched successfully, it means that the qualifications of the relatives of the medical insurance purchaser do not meet the qualifications for purchasing medical insurance, then the analysis data of the qualifications of the relatives of the medical insurance purchaser will be output. If the intention is not approved, the medical insurance purchase transaction will be terminated directly.

[0038] Preferably, when the willingness is approved, the steps of collecting the characteristic text data of the medical insurance demand of the person to be purchased and screening the type of medical insurance required by the person to be purchased with the characteristic text data of different types of medical insurance to generate the target medical insurance type data of the person to be purchased are as follows:

[0039] S61. When the qualification analysis data of the relatives of the medical insurance buyer is When the intention is approved, the medical insurance buyer enters the characteristic information of the medical insurance demand online through the data collection dialog box, and generates the text data of the medical insurance demand characteristics of the buyer The text data of medical insurance demand characteristics of the person to be purchased includes text data of medical insurance price, text data of medical insurance coverage, text data of medical insurance reimbursement ratio and text data of medical insurance time regulations;

[0040] S62. Establishing characteristic text data sets of different types of medical insurance , ;in Indicates Different types of medical insurance feature text data corresponding to the types of medical insurance, Indicates the maximum number of medical insurance types. The characteristic text data of different types of medical insurance indicates the characteristic text information of medical insurance requirements of the insured persons corresponding to different types of medical insurance. Medical insurance types include general medical insurance, accidental injury medical insurance, hospitalization medical insurance, surgical medical insurance and special disease insurance.

[0041] S63: The text data of the medical insurance demand characteristics of the person to be purchased is Different types of medical insurance feature text data sets Text data on the characteristics of different types of medical insurance as described in Perform character matching of medical insurance demand characteristics to search for text data that matches the characteristics of the medical insurance demand of the person to be purchased Matching the different types of medical insurance feature text data Corresponding medical insurance types, and construct the target medical insurance type data of the person to be purchased , execute to generate target medical insurance type data for the purchaser The specific steps are as follows:

[0042] S631, parameter initialization: medical insurance type identification bat population size is , maximum number of iterations T, objective function F, medical insurance type identification of bat individuals In the different types of medical insurance feature text data sets Searching for positions in space , ; and speed , sound wave frequency , sound wave loudness and frequency ;

[0043] S632: In the different types of medical insurance feature text data sets Search for medical insurance types in the search space to identify the optimal medical insurance type in the bat population and identify the individual locations of bats , that is, medical insurance type identification bat population in the different types of medical insurance feature text data sets Search the search space to find the text data related to the medical insurance demand characteristics of the person to be purchased The most matching text data of the different types of medical insurance characteristics The speed and position are updated according to the following formulas: , ,in Indicates the type of medical insurance to identify individual bats exist After iterations, the characteristic text data sets of different types of medical insurance The speed in the search space, Indicates the type of medical insurance to identify individual bats exist After iterations, the characteristic text data sets of different types of medical insurance Speed ​​in the search space; Indicates the type of medical insurance to identify individual bats exist After iterations, the characteristic text data sets of different types of medical insurance The position in the search space, Indicates the type of medical insurance to identify individual bats exist After iterations, the characteristic text data sets of different types of medical insurance Position in the search space;

[0044] S633, generate a random number rand1, rand1 is a random number in the interval [0, 1]. When rand1> , select an optimal medical insurance type identification bat individual from the optimal medical insurance type identification bat individual, that is, in the different types of medical insurance feature text data sets Search the search space to find the text data related to the medical insurance demand characteristics of the person to be purchased Matched text data of different types of medical insurance characteristics The position of the optimal medical insurance type is near the selected bat individual, through the formula , , Generate a local solution, that is, in the different types of medical insurance feature text data sets Search the search space to find the text data related to the medical insurance demand characteristics of the person to be purchased The most matching text data of the different types of medical insurance characteristics ,in Indicates the type of medical insurance to identify individual bats exist After iterations, the characteristic text data sets of different types of medical insurance The loudness of the sound waves in the search space, Indicates the type of medical insurance to identify individual bats exist After iterations, the characteristic text data sets of different types of medical insurance The frequency in the search space, Indicates the type of medical insurance to identify individual bats exist After iterations, the characteristic text data sets of different types of medical insurance The initial frequency in the search space; otherwise, according to the formula , , update the medical insurance type identification bat position, that is, in the different types of medical insurance feature text data sets Update the search space to search for text data related to the medical insurance demand characteristics of the person to be purchased Matching the different types of medical insurance feature text data The location of Indicates the type of medical insurance to identify individual bats exist After iterations, the characteristic text data sets of different types of medical insurance The loudness of the sound waves in the search space, Indicates the type of medical insurance to identify individual bats exist After iterations, the characteristic text data sets of different types of medical insurance The frequency in the search space, Indicates value The random function of and is a constant and 0﹤ ﹤1, >0;

[0045] S634, generate another random number rand2, rand2 is a random number on [0, 1]; when rand2< , and the fitness of the objective function F is better than the new solution in S633, that is, in the different types of medical insurance feature text data sets Search the search space to find the text data related to the medical insurance demand characteristics of the person to be purchased Matching the different types of medical insurance feature text data The fitness is better than the different types of medical insurance feature text data matched in S633 , then accept the different types of medical insurance feature text data In the different types of medical insurance feature text data sets Search the position of the space and update the position. The position update formula is as follows: , and according to the formula , , synchronous adjustment and ;in Indicates the type of medical insurance to identify individual bats In the different types of medical insurance feature text data sets New positions in the search space, Indicates the type of medical insurance to identify individual bats In the different types of medical insurance feature text data sets The old position in the search space, It represents any number in the range [-1, 1];

[0046] S635, sort the fitness values ​​of all individuals in the bat population identified by the medical insurance type, and find the current best , that is, in the different types of medical insurance feature text data sets Search the search space to find the text data related to the medical insurance demand characteristics of the person to be purchased Matching the different types of medical insurance feature text data location;

[0047] S636, repeating S632 to S635, when the maximum number of iterations T is met, outputting the text data of the medical insurance demand characteristics of the person to be purchased Matching the different types of medical insurance feature text data ;

[0048] S637: Based on the text data outputted in step S636 and related to the characteristics of the medical insurance demand of the person to be purchased Matching the different types of medical insurance feature text data Corresponding medical insurance type information, and construct the target medical insurance type data of the person to be purchased .

[0049] Preferably, the steps of searching for the contract file object of the medical insurance type required by the purchaser according to the target medical insurance type data of the purchaser and the medical insurance contract file data of different types, generating the target medical insurance contract file data of the purchaser and executing the medical insurance contract signing operation are as follows:

[0050] S71. Establish data sets of different types of medical insurance contract documents ,in No. Different types of medical insurance contract file data corresponding to the medical insurance types, wherein the different types of medical insurance contract file data represent medical insurance contract file data corresponding to different types of medical insurance;

[0051] S72, using an iterative deepening search algorithm to search the target medical insurance type data of the person to be purchased A data set of different types of medical insurance contract documents Data of different types of medical insurance contract documents as described in According to the medical insurance type data matching, search for the target medical insurance type data of the person to be purchased Corresponding to the different types of medical insurance contract file data , and generate the target medical insurance contract file data of the purchaser through data identification ;

[0052] S73: The target medical insurance contract file data of the purchaser The touch screen is used to display the output and prompt the person who is to purchase the medical insurance to sign the medical insurance contract document.

[0053] A medical insurance data analysis system, used to implement the medical insurance data analysis method, the system includes a medical insurance purchaser information collection module, a medical insurance purchaser qualification management module, and a medical insurance purchase demand and handling management module;

[0054] The medical insurance to-be-purchased person information collection module includes a medical insurance to-be-purchased person identity information collection unit and a medical insurance to-be-purchased person relative identity information collection unit;

[0055] The medical insurance to-be-purchased person identity information collection unit collects the medical insurance to-be-purchased person identity text data through a data collection dialog box; the medical insurance to-be-purchased person relative identity information collection unit collects the medical insurance to-be-purchased person relative identity text data through a data collection dialog box;

[0056] The medical insurance candidate qualification management module includes a medical insurance purchase standard age range storage unit, a medical insurance candidate age qualification analysis unit, a medical insurance candidate mental sanity test question storage unit, a specific medical insurance candidate mental sanity test question search and output unit, a specific medical insurance candidate mental sanity test question answer information collection unit, a medical insurance candidate mental sanity status qualification judgment unit, a medical insurance candidate relative opinion collection unit, a medical insurance candidate relative approval keyword storage unit, and a medical insurance candidate relative willingness qualification analysis unit;

[0057] The medical insurance purchase standard age interval storage unit is used to store the medical insurance purchase standard age interval; the medical insurance candidate age qualification analysis unit performs age qualification analysis on the medical insurance candidate based on the medical insurance candidate identity text data and the medical insurance purchase standard age interval, and generates age qualification analysis data on the medical insurance candidate; the medical insurance candidate mental sanity test topic storage unit is used to store the medical insurance candidate mental sanity test topic data; the specific medical insurance candidate mental sanity test topic search and output unit performs mental sanity test topic and topic answer data search on the medical insurance candidate based on the medical insurance candidate identity text data and the medical insurance candidate mental sanity test topic data, generates the medical insurance candidate selected mental sanity test topic data and outputs the mental sanity test topic; the specific medical insurance candidate mental sanity test topic answer information collection unit collects the medical insurance candidate selected mental sanity test topic answer data through the touch display screen answer data; the medical insurance candidate's mental state qualification judgment unit performs a medical insurance candidate's mental state qualification judgment process based on the medical insurance candidate's selected mental state test question answer data and the medical insurance candidate's selected mental state test question data, and generates medical insurance candidate's mental state qualification judgment data; the medical insurance candidate's relatives' opinion collection unit performs a medical insurance candidate's relatives' opinion information collection operation on the medical insurance purchase event based on the medical insurance candidate's relatives' identity text data, and generates medical insurance candidate's relatives' opinion text data; the medical insurance candidate's relatives' approval keyword storage unit is used to store medical insurance candidate's relatives' approval keyword data; the medical insurance candidate's relatives' willingness qualification analysis unit performs a medical insurance candidate's relatives' willingness qualification analysis process based on the medical insurance candidate's relatives' opinion text data and the medical insurance candidate's relatives' approval keyword data, and generates medical insurance candidate's relatives' willingness qualification analysis data;

[0058] The medical insurance purchase demand and handling management module includes a medical insurance demand feature collection unit for the purchaser, a different type of medical insurance feature storage unit, a target medical insurance type screening unit for the purchaser, a different type of medical insurance contract file storage unit, a target medical insurance contract file search unit for the purchaser, and a medical insurance contract signing execution unit;

[0059] The unit for collecting characteristics of medical insurance needs of the person to be purchased collects text data of characteristics of medical insurance needs of the person to be purchased through a data collection dialog box; the unit for storing characteristics of different types of medical insurance is used to store text data of characteristics of different types of medical insurance; the unit for screening target medical insurance types of the person to be purchased performs screening processing of the required medical insurance types of the person to be purchased based on the text data of the medical insurance needs characteristics of the person to be purchased and the text data of characteristics of different types of medical insurance, and generates target medical insurance type data of the person to be purchased; the unit for storing files of different types of medical insurance contracts is used to store file data of different types of medical insurance contracts; the unit for searching target medical insurance contract files of the person to be purchased performs search processing of contract file objects of the required medical insurance types of the person to be purchased based on the target medical insurance type data of the person to be purchased and the file data of different types of medical insurance contracts, and generates target medical insurance contract file data of the person to be purchased; the unit for executing medical insurance contract signing executes the medical insurance contract signing operation based on the target medical insurance contract file data of the person to be purchased.

[0060] (III) Beneficial effects

[0061] The present invention provides a medical insurance data analysis method and system, which has the following beneficial effects:

[0062] 1. Accurately collect the identity information of the person to be purchased and their relatives through the data collection dialog box, provide reliable data support for the subsequent accurate and safe assessment of the insurance purchasing qualifications of the person to be purchased, and improve the efficiency of medical insurance business handling.

[0063] 2. Scientifically analyze whether the age of the person to be purchased of medical insurance meets the medical insurance purchase standards based on numerical analysis, and realize independent and accurate analysis of the age qualifications of the person to be purchased of medical insurance; accurately screen the matching mental state test questions based on the identity information of the person to be purchased of medical insurance and output them in a visual feedback manner, and use the touch screen to calculate the answer result parameters of the mental state test questions of the person to be purchased of medical insurance online, so as to realize the accurate online acquisition of the mental state test questions and answer results of the person to be purchased of medical insurance; intelligently judge the mental state qualifications of the person to be purchased of medical insurance based on the answer parameters of the mental state test questions selected by the person to be purchased of medical insurance and the parameters of the mental state test questions selected by the person to be purchased of medical insurance, so as to realize scientific and efficient analysis of the mental state qualifications of the person to be purchased of medical insurance; accurately collect the opinion information of the relatives of the person to be purchased of medical insurance based on the identity information of the relatives of the person to be purchased of medical insurance in cooperation with the mobile terminal online; at the same time, accurately analyze the willingness of the relatives of the person to be purchased of medical insurance in combination with the keyword parameters agreed by the relatives of the person to be purchased of medical insurance, realize intelligent evaluation of the willingness qualifications of the relatives of the person to be purchased of medical insurance, realize comprehensive and scientific evaluation of the purchasing qualifications of the person to be purchased of medical insurance, and realize humanized and safe services for the handling of medical insurance business.

[0064] 3. Through combining the medical insurance demand information of the prospective purchaser with intelligent recognition algorithms and scientifically preset different types of medical insurance information, the type of medical insurance required by the prospective purchaser can be accurately screened, and customized screening services for the type of medical insurance required by the prospective purchaser can be realized; based on the intelligent search algorithm, the target medical insurance type parameters of the prospective purchaser and the standard stored different types of medical insurance contract document parameters can be used to intelligently search for the contract documents of the type of medical insurance required by the prospective purchaser, and at the same time, the touch display screen can be used to efficiently and accurately execute the signing of medical insurance contract documents, thereby improving the service quality and efficiency of medical insurance business handling. BRIEF DESCRIPTION OF THE DRAWINGS

[0065] Figure 1 A schematic diagram of a module of a medical insurance data analysis system provided by the present invention;

[0066] Figure 2 The present invention provides a flowchart of a medical insurance data analysis method. DETAILED DESCRIPTION

[0067] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0068] The embodiments of the medical insurance data analysis method and system are as follows: Example

[0069] See also Figure 1 - Figure 2 , a medical insurance data analysis method, the method comprising the following steps:

[0070] S1. Collecting text data of the identity of the person to be purchased for medical insurance and the identity of the relatives of the person to be purchased for medical insurance;

[0071] S2. Analyze and process the age qualification of the medical insurance purchaser based on the identity text data of the medical insurance purchaser and the standard age range of medical insurance purchase, and generate the age qualification analysis data of the medical insurance purchaser. If the age is not qualified, directly end the medical insurance purchase transaction operation;

[0072] S3. When the age is passed, the sanity test questions and answer data of the medical insurance buyer are searched and processed based on the identity text data of the medical insurance buyer and the sanity test question data of the medical insurance buyer, the sanity test question data selected by the medical insurance buyer is generated, and the sanity test question is output and displayed;

[0073] S4, collecting the answer data of the mental state test questions selected by the medical insurance buyer, and performing mental state qualification judgment processing on the mental state test questions selected by the medical insurance buyer, generating mental state qualification judgment data of the medical insurance buyer, and directly ending the medical insurance purchase transaction operation when the mental state fails;

[0074] S5. When the person is mentally qualified, the information collection operation of the opinions of the relatives of the medical insurance purchaser on the medical insurance purchase event is performed based on the identity text data of the relatives of the medical insurance purchaser, the text data of the opinions of the relatives of the medical insurance purchaser is generated, and the willingness and qualification analysis processing of the relatives of the medical insurance purchaser is performed with the keyword data of the relatives of the medical insurance purchaser to generate the willingness and qualification analysis data of the relatives of the medical insurance purchaser; when the willingness is not qualified, the medical insurance purchase transaction operation is directly terminated;

[0075] S6. When the willingness is approved, the text data of the medical insurance demand characteristics of the person to be purchased is collected and the text data of the characteristics of different types of medical insurance are used to screen the type of medical insurance required by the person to be purchased, and generate the target medical insurance type data of the person to be purchased;

[0076] S7. Search and process the contract document object of the medical insurance type required by the purchaser based on the target medical insurance type data of the purchaser and the different types of medical insurance contract document data, generate the target medical insurance contract document data of the purchaser and execute the medical insurance contract signing operation.

[0077] For further information, see Figure 1 - Figure 2 The steps for collecting the identity text data of the medical insurance buyer and the identity text data of the relatives of the medical insurance buyer are as follows:

[0078] S11. The medical insurance purchaser enters personal identity information online through the data collection dialog box and generates the medical insurance purchaser's identity text data , the identity text data of the person to be purchased of medical insurance includes the name, ID number, educational information, age and contact information of the person to be purchased of medical insurance;

[0079] The medical insurance buyer enters the relative identity feature information online through the data collection dialog box and generates the medical insurance buyer's relative identity text data The identity text data of the relatives of the person to be purchased of the medical insurance includes the name, ID number, age and contact information of the relatives of the person to be purchased of the medical insurance. The contact information includes any one of a mobile phone number, WeChat account, and QQ account.

[0080] Through the cooperation between the medical insurance potential purchaser's identity information collection unit and the medical insurance potential purchaser's relative identity information collection unit, the data collection dialog box is used to accurately collect the identity information of the medical insurance potential purchaser and the relative of the medical insurance potential purchaser, providing reliable data support for the subsequent accurate and safe assessment of the medical insurance potential purchaser's insurance purchasing qualifications, thereby improving the efficiency of medical insurance business handling.

[0081] For further information, see Figure 1 - Figure 2 , perform age qualification analysis on the medical insurance purchaser based on the identity text data of the medical insurance purchaser and the standard age range of medical insurance purchase, generate age qualification analysis data of the medical insurance purchaser, and directly end the medical insurance purchase transaction operation if the age fails to pass the test. The following are the steps:

[0082] S21. Establish a standard age range for purchasing medical insurance ,in and Represents the standard age range for purchasing medical insurance The minimum age data and the maximum age data of the medical insurance purchase standard are provided. The standard age range of the medical insurance purchase standard indicates the standard age range of the people who are qualified to purchase medical insurance.

[0083] S22. The identity text data of the person to be purchased of medical insurance Age data of people who want to purchase medical insurance and the standard age range for purchasing medical insurance Minimum age data for purchasing medical insurance and the maximum age data for purchasing medical insurance Perform age value comparison and generate age qualification analysis data of the person to be purchasing medical insurance based on the age value comparison results ;

[0084] when ∈ , indicating that the age of the person to be purchased meets the medical insurance purchase qualifications, then the age qualification analysis data of the person to be purchased is output Passed for age;

[0085] when ∉ , indicating that the age of the person to be purchased does not meet the medical insurance purchase qualifications, then the age qualification analysis data of the person to be purchased is output If the age requirement is not met, the medical insurance purchase transaction will be terminated directly.

[0086] When the age is passed, the medical insurance buyer's mental sanity test questions and question answer data are searched and processed based on the medical insurance buyer's identity text data and the medical insurance buyer's mental sanity test question data, and the operation steps of generating the medical insurance buyer's selected mental sanity test question data and outputting the mental sanity test question are as follows:

[0087] S31. Establishing a data set of mental sanity test questions for medical insurance buyers , ;in Indicates The mental health test questions data of the medical insurance buyer corresponding to the identity information type of the medical insurance buyer, Indicates the maximum number of identity information types of the medical insurance buyer, the identity information type of the medical insurance buyer indicates the identity information type generated by the combination of the education and age information of the medical insurance buyer; the mental state test question data of the medical insurance buyer indicates the questions and question answer combination data used to test the mental state of the buyer according to the standard of the combination of the education and age information type of the medical insurance buyer;

[0088] S32. Age and qualification analysis data of the person to purchase medical insurance When the age is passed, the XGBoost algorithm is used to convert the identity text data of the medical insurance buyer Data collection of mental sanity test questions for people who want to buy medical insurance Data on mental sanity test questions for prospective purchasers of China Medical Insurance According to the identity information data matching, search for the identity text data of the person to purchase medical insurance Corresponding data on mental health test questions for people who are planning to purchase medical insurance , and construct a data set for selecting mental health test questions for medical insurance buyers ;

[0089] S33. Data on mental health test questions selected by the person to be purchasing medical insurance The corresponding mental test question information is output and displayed online through the touch display screen.

[0090] The answer data of the sanity test questions selected by the medical insurance buyer are collected and the sanity qualification of the medical insurance buyer is judged based on the sanity test questions selected by the medical insurance buyer to generate the sanity qualification judgment data of the medical insurance buyer. If the sanity is not passed, the operation steps of directly ending this medical insurance purchase transaction are as follows:

[0091] S41, collecting mental test questions data selected by the medical insurance prospective purchaser through the touch screen online Corresponding sanity test question answer data and generating sanity test question answer data selected by the medical insurance purchaser ;

[0092] S42. Data on the answers to the mental test questions selected by the person to be purchasing medical insurance Data on mental health test questions selected by medical insurance prospective purchasers The corresponding answers to the questions are matched with the characters of the answers to the sanity test questions, and the sanity status qualification judgment data of the medical insurance purchaser is generated based on the character matching results of the answers to the sanity test questions. ;

[0093] when and If the answer to the sanity test is matched successfully, it means that the sanity of the medical insurance buyer meets the medical insurance purchase qualifications, and the sanity qualification judgment data of the medical insurance buyer is output. For sanity to pass;

[0094] when and If the answer to the sanity test fails to match the characters, it means that the sanity of the medical insurance buyer does not meet the medical insurance purchase qualifications, then the sanity qualification judgment data of the medical insurance buyer is output. If the person is not mentally competent, the medical insurance purchase transaction will be terminated immediately.

[0095] When the person is mentally qualified, the information collection operation of the relatives of the medical insurance purchaser on the medical insurance purchase event is performed based on the identity text data of the relatives of the medical insurance purchaser, and the text data of the opinions of the relatives of the medical insurance purchaser is generated. The willingness and qualification analysis processing of the relatives of the medical insurance purchaser is performed with the keyword data of the relatives of the medical insurance purchaser to generate the willingness and qualification analysis data of the relatives of the medical insurance purchaser. When the willingness is not qualified, the operation steps of directly ending this medical insurance purchase transaction operation are as follows:

[0096] S51. Data on the mental status and qualifications of the person to be purchased for medical insurance If the person is mentally ill, the medical insurance management platform will use the identity text data of the relatives of the medical insurance buyer to The contact information of the relatives of the person to be purchased will include the person to be purchased medical insurance event and the identity text data of the person to be purchased medical insurance Push feedback to the relatives of the person to be purchased, and collect text information of the relatives' opinions on the purchase of medical insurance by the person to be purchased through the mobile terminal, and generate text data of the relatives' opinions on medical insurance , the mobile terminal includes any one of a smart phone, a notebook, and a tablet computer;

[0097] S52. Establishing a keyword data set for relatives of the person to be purchased of medical insurance , ;in Indicates The relatives of the medical insurance buyer agree to the keyword data. It indicates the maximum value of the number of keywords approved by the relatives of the medical insurance buyer. The keyword data of the relatives of the medical insurance buyer include agree, promise, promise, allow, formulate, agree, permit, allow, permit, approve and approve;

[0098] S52, using a unified cost search algorithm to convert the text data of the relatives' opinions of the medical insurance buyer Keyword data set that agrees with relatives of the person who wants to purchase medical insurance Keywords data approved by relatives of the person to be purchased by China Medical Insurance Perform keyword matching to generate qualification analysis data on the relatives of the medical insurance purchaser based on the matching results ;

[0099] Dangdang and Agree that the keyword match is successful, indicating that the qualifications of the relatives of the medical insurance purchaser meet the qualifications for purchasing medical insurance, and the analysis data of the qualifications of the relatives of the medical insurance purchaser is output. Pass for the will;

[0100] when and If the keyword "agree" is not matched successfully, it means that the qualifications of the relatives of the medical insurance purchaser do not meet the qualifications for purchasing medical insurance, then the analysis data of the qualifications of the relatives of the medical insurance purchaser will be output. If the intention is not approved, the medical insurance purchase transaction will be terminated directly.

[0101] Through the age qualification analysis unit of the medical insurance candidate, whether the age of the medical insurance candidate meets the medical insurance purchase standard is scientifically analyzed based on numerical analysis, so as to realize independent and accurate analysis of the age qualification of the medical insurance candidate; the specific medical insurance candidate's mental state test question search and output unit and the specific medical insurance candidate's mental state test question answer information collection unit cooperate with each other, accurately screen the matching mental state test questions based on the identity information of the medical insurance candidate and output them visually, and use the touch screen to calculate the answer result parameters of the mental state test questions of the medical insurance candidate online, so as to realize the online accurate acquisition of the mental state test questions and answer results of the medical insurance candidate; the medical insurance candidate's mental state qualification judgment unit selects the mental state test questions according to the medical insurance candidate's identity information. The test question answer parameters and the parameters of the mental state test questions selected by the medical insurance candidate are used to make an intelligent judgment on the mental state qualifications of the medical insurance candidate, so as to realize scientific and efficient analysis of the mental state qualifications of the medical insurance candidate; the medical insurance candidate's relatives' opinion collection unit and the medical insurance candidate's relatives' willingness qualification analysis unit, based on the medical insurance candidate's relatives' identity information, cooperate with the mobile terminal to accurately collect the medical insurance candidate's relatives' opinion information online and remotely; at the same time, the medical insurance candidate's relatives' consent keyword parameters are combined to perform a precise qualification analysis on the willingness of the medical insurance candidate's relatives, so as to realize intelligent evaluation of the willingness qualifications of the medical insurance candidate's relatives, realize comprehensive and scientific evaluation of the medical insurance candidate's purchasing qualifications, and realize humanized and safe services for medical insurance business handling.

[0102] For further information, see Figure 1 - Figure 2 When the willingness is passed, the text data of the medical insurance demand characteristics of the person to be purchased is collected and the required medical insurance type of the person to be purchased is screened with the text data of the characteristics of different types of medical insurance. The operation steps for generating the target medical insurance type data of the person to be purchased are as follows:

[0103] S61. Qualification analysis data of relatives’ willingness of the person to purchase medical insurance When the intention is approved, the medical insurance buyer enters the characteristic information of the medical insurance demand online through the data collection dialog box, and generates the text data of the medical insurance demand characteristics of the buyer , the text data of medical insurance demand characteristics of the person to be purchased includes text data of medical insurance price, text data of medical insurance coverage, text data of medical insurance reimbursement ratio and text data of medical insurance time regulations;

[0104] S62. Establishing characteristic text data sets of different types of medical insurance , ;in Indicates Different types of medical insurance feature text data corresponding to the types of medical insurance, Indicates the maximum number of medical insurance types. The characteristic text data of different types of medical insurance indicates the characteristic text information of medical insurance requirements of the insured persons corresponding to different types of medical insurance. Medical insurance types include general medical insurance, accidental injury medical insurance, hospitalization medical insurance, surgical medical insurance and special disease insurance.

[0105] S63. Text data of medical insurance demand characteristics of the person to be purchased A collection of text data with different types of medical insurance characteristics Different types of medical insurance feature text data Perform character matching of medical insurance demand characteristics to search for text data related to the medical insurance demand characteristics of the purchaser Matching different types of medical insurance feature text data Corresponding medical insurance types, and construct the target medical insurance type data of the person to be purchased , execute to generate target medical insurance type data for the purchaser The specific steps are as follows:

[0106] S631, parameter initialization: medical insurance type identification bat population size is , maximum number of iterations T, objective function F, medical insurance type identification of bat individuals In the different types of medical insurance feature text data sets Searching for positions in space , ; and speed , sound wave frequency , sound wave loudness and frequency ;

[0107] S632. Collection of text data on different types of medical insurance characteristics Search for medical insurance types in the search space to identify the optimal medical insurance type in the bat population and identify the individual locations of bats , that is, medical insurance type identification bat population in different types of medical insurance feature text data sets Search the search space to find the text data related to the medical insurance demand characteristics of the person to be purchased The most matching text data of different types of medical insurance characteristics The speed and position are updated according to the following formulas: , ,in Indicates the type of medical insurance to identify individual bats exist After iterations, different types of medical insurance feature text data sets The speed in the search space, Indicates the type of medical insurance to identify individual bats exist After iterations, the feature text data sets of different types of medical insurance Speed ​​in the search space; Indicates the type of medical insurance to identify individual bats exist After iterations, different types of medical insurance feature text data sets The position in the search space, Indicates the type of medical insurance to identify individual bats exist After iterations, the feature text data sets of different types of medical insurance Position in the search space;

[0108] S633, generate a random number rand1, rand1 is a random number in the interval [0, 1]. When rand1> , select an optimal medical insurance type identification bat individual from the optimal medical insurance type identification bat individual, that is, in different types of medical insurance feature text data sets Search the search space to find the text data related to the medical insurance demand characteristics of the person to be purchased The most matching text data of different types of medical insurance characteristics The position of the optimal medical insurance type is near the selected bat individual, through the formula , , Generate a local solution, that is, a collection of text data with different types of medical insurance features Search the search space to find the text data related to the medical insurance demand characteristics of the person to be purchased The most matching text data of different types of medical insurance characteristics ,in Indicates the type of medical insurance to identify individual bats exist After iterations, the feature text data sets of different types of medical insurance The loudness of the sound waves in the search space, Indicates the type of medical insurance to identify individual bats exist After iterations, different types of medical insurance feature text data sets The frequency in the search space, Indicates the type of medical insurance to identify individual bats exist After iterations, different types of medical insurance feature text data sets The initial frequency in the search space; otherwise, according to the formula , , update the medical insurance type recognition bat position, that is, in different types of medical insurance feature text data sets Update the search space to search for text data related to the characteristics of the medical insurance needs of the person to be purchased Matching different types of medical insurance feature text data The location of Indicates the type of medical insurance to identify individual bats exist After iterations, different types of medical insurance feature text data sets The loudness of the sound waves in the search space, Indicates the type of medical insurance to identify individual bats exist After iterations, different types of medical insurance feature text data sets The frequency in the search space, Indicates value The random function of and is a constant and 0﹤ ﹤1, >0;

[0109] S634, generate another random number rand2, rand2 is a random number on [0, 1]; when rand2< , and the fitness of the objective function F is better than the new solution in S633, that is, in different types of medical insurance feature text data sets Search the search space to find the text data related to the medical insurance demand characteristics of the person to be purchased Matching different types of medical insurance feature text data The fitness is better than the different types of medical insurance feature text data matched in S633 , then accept different types of medical insurance feature text data In the collection of text data of different types of medical insurance characteristics Search the position of the space and update the position. The position update formula is as follows: , and according to the formula , , synchronous adjustment and ;in Indicates the type of medical insurance to identify individual bats In the collection of text data of different types of medical insurance characteristics The new position in the search space, Indicates the type of medical insurance to identify individual bats In the collection of text data of different types of medical insurance characteristics The old position in the search space, It represents any number in the range [-1, 1];

[0110] S635, sort the fitness values ​​of all individuals in the bat population identified by the medical insurance type, and find the current best , that is, a collection of text data on different types of medical insurance features Search the search space to find the text data related to the medical insurance demand characteristics of the person to be purchased Matching different types of medical insurance feature text data location;

[0111] S636, repeat S632 to S635, and when the maximum number of iterations T is met, output the text data of the medical insurance demand characteristics of the person to be purchased. Matching different types of medical insurance feature text data ;

[0112] S637: Based on the text data output in step S636 and the characteristics of the medical insurance demand of the person to be purchased Matching different types of medical insurance feature text data Corresponding medical insurance type information, and construct the target medical insurance type data of the person to be purchased .

[0113] The steps for searching and processing the contract file object of the medical insurance type required by the purchaser based on the target medical insurance type data of the purchaser and the medical insurance contract file data of different types are as follows:

[0114] S71. Establish data sets of different types of medical insurance contract documents ,in No. Different types of medical insurance contract file data corresponding to the medical insurance types, the different types of medical insurance contract file data representing medical insurance contract file data corresponding to different types of medical insurance;

[0115] S72, using iterative deepening search algorithm to obtain the target medical insurance type data of the person to be purchased Data collection of different types of medical insurance contract documents Data of different types of medical insurance contract documents According to the matching of medical insurance type data, search for the target medical insurance type data of the person to be purchased Corresponding data of different types of medical insurance contract documents , and generate the target medical insurance contract file data of the purchaser through data identification ;

[0116] S73. Send the target medical insurance contract file data of the purchaser The touch screen is used to display the output and prompt the person who is to purchase the medical insurance to sign the medical insurance contract document.

[0117] Through the target medical insurance type screening unit for the purchaser, the medical insurance type required by the purchaser is accurately screened according to the medical insurance demand information of the purchaser combined with the intelligent recognition algorithm and the scientifically preset different types of medical insurance information, so as to realize the customized screening service of the medical insurance type required by the purchaser; the target medical insurance contract document search unit for the purchaser and the medical insurance contract signing and execution unit, based on the intelligent search algorithm, according to the target medical insurance type parameters of the purchaser and the standard stored different types of medical insurance contract document parameters, intelligently search for the contract document of the medical insurance type required by the purchaser, and at the same time cooperate with the touch display screen to efficiently and accurately execute the signing of medical insurance contract documents, so as to improve the service quality and efficiency of medical insurance business handling.

[0118] Embodiment 2:

[0119] See also Figure 1 - Figure 2 , a medical insurance data analysis system, used to implement a medical insurance data analysis method, the system includes a medical insurance to-be-purchased person information collection module, a medical insurance to-be-purchased person qualification management module, and a medical insurance purchase demand and handling management module;

[0120] The medical insurance purchaser information collection module includes a medical insurance purchaser identity information collection unit and a medical insurance purchaser relative identity information collection unit;

[0121] The medical insurance to-be-purchased person identity information collection unit collects the medical insurance to-be-purchased person identity text data through a data collection dialog box; the medical insurance to-be-purchased person relative identity information collection unit collects the medical insurance to-be-purchased person relative identity text data through a data collection dialog box;

[0122] The medical insurance purchaser qualification management module includes a medical insurance purchase standard age range storage unit, a medical insurance purchaser age qualification analysis unit, a medical insurance purchaser mental sanity test question storage unit, a specific medical insurance purchaser mental sanity test question search output unit, a specific medical insurance purchaser mental sanity test question answer information collection unit, a medical insurance purchaser mental sanity status qualification judgment unit, a medical insurance purchaser relative opinion collection unit, a medical insurance purchaser relative approval keyword storage unit, and a medical insurance purchaser relative willingness qualification analysis unit;

[0123] A medical insurance purchase standard age interval storage unit is used to store the medical insurance purchase standard age interval; a medical insurance candidate age qualification analysis unit performs age qualification analysis on the medical insurance candidate based on the medical insurance candidate identity text data and the medical insurance purchase standard age interval, and generates medical insurance candidate age qualification analysis data; a medical insurance candidate mental sanity test topic storage unit is used to store the medical insurance candidate mental sanity test topic data; a specific medical insurance candidate mental sanity test topic search and output unit performs mental sanity test topic and topic answer data search on the medical insurance candidate based on the medical insurance candidate identity text data and the medical insurance candidate mental sanity test topic data, generates the medical insurance candidate selected mental sanity test topic data and outputs the mental sanity test topic display; a specific medical insurance candidate mental sanity test topic answer information collection unit collects the medical insurance candidate selected mental sanity test topic data through a touch display screen answer data; a medical insurance candidate's mental state qualification judgment unit, which performs a medical insurance candidate's mental state qualification judgment process based on the medical insurance candidate's selected mental state test question answer data and the medical insurance candidate's selected mental state test question data, and generates medical insurance candidate's mental state qualification judgment data; a medical insurance candidate's relatives' opinion collection unit, which performs a medical insurance candidate's relatives' opinion information collection operation on the medical insurance purchase event based on the medical insurance candidate's relatives' identity text data, and generates medical insurance candidate's relatives' opinion text data; a medical insurance candidate's relatives' approval keyword storage unit, which is used to store medical insurance candidate's relatives' approval keyword data; a medical insurance candidate's relatives' willingness qualification analysis unit, which performs a medical insurance candidate's relatives' willingness qualification analysis process based on the medical insurance candidate's relatives' opinion text data and the medical insurance candidate's relatives' approval keyword data, and generates medical insurance candidate's relatives' willingness qualification analysis data;

[0124] The medical insurance purchase demand and handling management module includes a unit for collecting characteristics of medical insurance demand of the purchaser, a unit for storing characteristics of different types of medical insurance, a unit for screening the target medical insurance type of the purchaser, a unit for storing contract documents of different types of medical insurance, a unit for searching the contract documents of the target medical insurance of the purchaser, and a unit for signing and executing medical insurance contracts;

[0125] A unit for collecting characteristics of medical insurance needs of a person to be purchased is used to collect text data of characteristics of medical insurance needs of a person to be purchased through a data collection dialog box; a unit for storing characteristics of different types of medical insurance is used to store text data of characteristics of different types of medical insurance; a unit for screening target medical insurance types of a person to be purchased is used to screen the type of medical insurance required by the person to be purchased based on the text data of the characteristics of medical insurance needs of the person to be purchased and the text data of characteristics of different types of medical insurance, and generate target medical insurance type data of the person to be purchased; a unit for storing files of different types of medical insurance contracts is used to store file data of different types of medical insurance contracts; a unit for searching target medical insurance contract files of a person to be purchased is used to search for contract file objects of the type of medical insurance required by the person to be purchased based on the target medical insurance type data of the person to be purchased and the file data of different types of medical insurance contracts, and generate target medical insurance contract file data of the person to be purchased; a unit for executing medical insurance contract signing is used to execute the medical insurance contract signing operation based on the target medical insurance contract file data of the person to be purchased.

[0126] Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that various changes, modifications, substitutions and variations may be made to the embodiments without departing from the principles and spirit of the present invention, and that the scope of the present invention is defined by the appended claims and their equivalents.

Claims

1. A medical insurance data analysis method, characterized in that: The method comprises the following steps: S1. Collecting text data of the identity of the person to be purchased for medical insurance and the identity of the relatives of the person to be purchased for medical insurance; S2. Analyze and process the age qualification of the medical insurance purchaser based on the identity text data of the medical insurance purchaser and the standard age range for medical insurance purchase, and generate analysis data of the age qualification of the medical insurance purchaser. If the age qualification is not met, directly terminate the medical insurance purchase transaction operation; S3. When the age is acceptable, the sanity test questions and answer data of the medical insurance buyer are searched and processed based on the identity text data of the medical insurance buyer and the sanity test question data of the medical insurance buyer, the sanity test question data selected by the medical insurance buyer is generated, and the sanity test question is output and displayed; S4, collecting answer data of the mental state test questions selected by the medical insurance purchaser, and performing mental state qualification judgment processing on the mental state test questions selected by the medical insurance purchaser, generating mental state qualification judgment data of the medical insurance purchaser, and directly ending the medical insurance purchase transaction operation when the mental state fails; S5. When the person is mentally qualified, the operation of collecting the opinions of the relatives of the medical insurance purchaser on the medical insurance purchase event is performed based on the identity text data of the relatives of the medical insurance purchaser, generating the text data of the opinions of the relatives of the medical insurance purchaser, and performing the willingness and qualification analysis processing of the relatives of the medical insurance purchaser with the keyword data of the relatives of the medical insurance purchaser to generate the willingness and qualification analysis data of the relatives of the medical insurance purchaser, and when the willingness is not qualified, the operation of purchasing the medical insurance transaction is directly terminated; S6. When the willingness is approved, the text data of the medical insurance demand characteristics of the person to be purchased is collected and the text data of the characteristics of different types of medical insurance are used to screen the type of medical insurance required by the person to be purchased, and generate the target medical insurance type data of the person to be purchased; S7. Search and process the contract document object of the medical insurance type required by the purchaser based on the target medical insurance type data of the purchaser and the different types of medical insurance contract document data, generate the target medical insurance contract document data of the purchaser and execute the medical insurance contract signing operation.

2. A medical insurance data analysis method according to claim 1, characterized in that: The S1 comprises the following steps: S11. The medical insurance purchaser enters personal identity information online through the data collection dialog box and generates the medical insurance purchaser's identity text data ; The medical insurance buyer enters the relative identity feature information online through the data collection dialog box and generates the medical insurance buyer's relative identity text data .

3. A medical insurance data analysis method according to claim 2, characterized in that: The S2 comprises the following steps: S21. Establish a standard age range for purchasing medical insurance ,in and Respectively represent the standard age range for purchasing medical insurance The minimum age data and the maximum age data of the medical insurance purchase standard; S22, the The age data of the people who are going to purchase the medical insurance is the same as that As stated in and stated Perform age value comparison and generate age qualification analysis data of the person to be purchasing medical insurance based on the age value comparison results ; when ∈ , then output the age qualification analysis data of the person to purchase medical insurance Passed for age; when ∉ , then output the age qualification analysis data of the person to purchase medical insurance If the age requirement is not met, the medical insurance purchase transaction will be terminated directly.

4. A medical insurance data analysis method according to claim 3, characterized in that: The S3 comprises the following steps: S31. Establishing a data set of mental sanity test questions for medical insurance buyers , ;in Indicates The data of mental health test questions for medical insurance buyers corresponding to the identity information types of medical insurance buyers represent the maximum number of the identity information types of medical insurance buyers; Indicates the maximum number of identity information types of the person to purchase medical insurance; S32, when the When the age is passed, the XGBoost algorithm is used to With the As stated in According to the identity information data matching, search for the The corresponding , and construct a data set for selecting mental health test questions for medical insurance buyers ; S33, the mental test question data selected by the medical insurance buyer The corresponding mental test question information is output and displayed online through the touch display screen.

5. A medical insurance data analysis method according to claim 4, characterized in that: The S4 comprises the following steps: S41, collecting mental test topic data selected by the medical insurance buyer online through the touch screen Corresponding sanity test question answer data and generating sanity test question answer data selected by the medical insurance purchaser ; S42, the With the The corresponding answers to the questions are matched with the characters of the answers to the sanity test questions, and the sanity status qualification judgment data of the medical insurance purchaser is generated based on the character matching results of the answers to the sanity test questions. ; when and If the characters of the answers to the sanity test questions match successfully, the sanity status qualification judgment data of the medical insurance purchaser will be output For sanity to pass; when and If the answer to the sanity test fails to match the characters, the sanity status qualification judgment data of the medical insurance purchaser will be output. If the person is not mentally competent, the medical insurance purchase transaction will be terminated immediately.

6. A medical insurance data analysis method according to claim 5, characterized in that: The S5 comprises the following steps: S51, when the If the patient is mentally ill, the medical insurance management platform will The contact information of the relatives of the person to be purchased will include the event of the person to be purchased medical insurance and the Push feedback to the relatives of the person to be purchased, and collect text information of the relatives' opinions on the purchase of medical insurance by the person to be purchased through the mobile terminal, and generate text data of the relatives' opinions on medical insurance ; S52. Establishing a keyword data set for relatives of the person to be purchased of medical insurance , ;in Indicates The keyword data of the relatives of the medical insurance buyer agrees with, β represents the maximum number of keywords agreed with by the relatives of the medical insurance buyer; S52, using a unified cost search algorithm to With the As stated in Perform keyword matching to generate qualification analysis data on the relatives of the medical insurance purchaser based on the matching results ; when and If the keyword match is successful, the qualification analysis data of the relatives of the person to purchase medical insurance will be output. Pass for the will; when and If the keyword "agree" is not matched successfully, the qualification analysis data of the relatives of the person to purchase medical insurance will be output. If the intention is not approved, the medical insurance purchase transaction will be terminated directly.

7. A medical insurance data analysis method according to claim 6, characterized in that: The S6 comprises the following steps: S61, when the When the intention is approved, the medical insurance buyer enters the characteristic information of the medical insurance demand online through the data collection dialog box, and generates the text data of the medical insurance demand characteristics of the buyer ; S62. Establishing characteristic text data sets of different types of medical insurance , ;in Indicates Different types of medical insurance feature text data corresponding to the types of medical insurance, Indicates the maximum number of medical insurance types; S63, the With the As stated in Perform character matching of medical insurance demand characteristics to search for Matching the Corresponding medical insurance types, and construct the target medical insurance type data of the person to be purchased , execute to generate target medical insurance type data for the purchaser The specific steps are as follows: S631, parameter initialization: medical insurance type identification bat population size is Maximum number of iterations Maximum number of iterations T, objective function F, medical insurance type identification bat individual In the Searching for positions in space , ; and speed , sound wave frequency , sound wave loudness and frequency ; S632, in the Search for medical insurance types in the search space to identify the optimal medical insurance type in the bat population and identify the individual locations of bats , i.e., medical insurance type identification of bat populations in the Search the search space for The best match for The position of and updates the speed and position; S633, generate a random number rand1, rand1 is a random number in the interval [0, 1]. , select an optimal medical insurance type identification bat individual from the optimal medical insurance type identification bat individual, that is, in the Search the search space for The best match for The position of the medical insurance type identification bat is updated to generate a local solution near the selected optimal medical insurance type identification bat individual; otherwise, the position of the medical insurance type identification bat is updated; S634, generate another random number rand2, rand2 is a random number on [0, 1]; when rand2< , and the fitness of the objective function F is better than the new solution in S633, that is, in the Search the search space for Matching the The fitness is better than that matched in S633 , then accept the In the Search the position of the space and update the position; S635, sort the fitness values ​​of all individuals in the bat population identified by the medical insurance type, and find the current best , that is, in the Search the search space for Matching the location; S636, repeat S632 to S635, and when the maximum number of iterations T is met, output Matching the ; S637, according to the output in step S636 and the Matching the Corresponding medical insurance type information, and construct the target medical insurance type data of the person to be purchased .

8. A medical insurance data analysis method according to claim 7, characterized in that: The S7 comprises the following steps: S71. Establish data sets of different types of medical insurance contract documents ,in No. Different types of medical insurance contract document data corresponding to different types of medical insurance; S72, using an iterative deepening search algorithm to With the As stated in According to the medical insurance type data matching, search for the The corresponding , and generate the target medical insurance contract file data of the purchaser through data identification ; S73, the The touch screen is used to display the output and prompt the person who is to purchase the medical insurance to sign the medical insurance contract document.

9. A medical insurance data analysis system, used to implement a medical insurance data analysis method according to any one of claims 1 to 8, characterized in that: The system includes a module for collecting information of persons to be purchased by medical insurance, a module for managing the qualifications of persons to be purchased by medical insurance, and a module for managing the purchase demand and handling of medical insurance.

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