Insurance claim settlement method and device, equipment and storage medium
Through the Financial Certification Center, the legality verification and payment certification of insured enterprises has been solved, which solves the problems of long manual review cycles and fraud risks, and improves the efficiency and safety of insurance claims.
Patent Information
- Application Number
- CN202411552158.X
- Authority / Receiving Office
- CN · China
- Patent Type
- Applications(China)
- Current Assignee / Owner
- Filing Date
- 2024-10-31
- Publication Date
- 2025-02-18
AI Technical Summary
During the existing insurance claims process, the manual review and certification cycle is long, which affects efficiency and has the safety problem of fraud claims.
Through the Financial Certification Center, the insured enterprises are verified, the certification page is loaded, the account information is obtained, the payment is certified, and insurance claims services are provided after passing the certification.
It improves the certification efficiency of insured enterprises, ensures the rigor and safety of certification, and avoids the risk of fraudulent claims.
Smart Images
Figure CN119477563A_ABST
Abstract
Description
Technical Field
[0001] The present application relates to the fields of financial technology and business security technology, and in particular to an insurance claims method, apparatus, equipment and storage medium. Background Art
[0002] Insurance claims for insured enterprises refer to the act of the insurance institution fulfilling its liability to compensate the enterprise by paying insurance claims according to the terms of the insurance policy when the enterprise suffers losses or an accident occurs after purchasing insurance.
[0003] At present, when an insured company's insurance subject is in danger, it needs to submit relevant information of the insured company for the auditors of the insurance institution to manually review and certify the insured company before insurance claims can be settled. However, the manual review and certification cycle is long, which affects the efficiency of the certification of the insured company and is prone to security issues such as fraudulent claims.
[0004] Therefore, how to improve the efficiency of certification of insured companies and avoid the security issues of false claims has become a technical problem that needs to be solved urgently. Summary of the invention
[0005] The main purpose of the embodiments of the present application is to propose an insurance claims method, device, equipment and storage medium, aiming to improve the efficiency of authentication of insured enterprises and avoid the security issues of fraudulent claims.
[0006] To achieve the above-mentioned purpose, a first aspect of an embodiment of the present application provides an insurance claim settlement method, the method comprising:
[0007] In response to the insurance claim service request of the insured enterprise, the legality of the insured enterprise is verified through the financial authentication center;
[0008] If the insured enterprise passes the legality verification, loading a certification page for the insured enterprise;
[0009] Obtaining the account of the insured enterprise entered on the authentication page;
[0010] The financial authentication center transfers money to the account, and authenticates the payment to the insured enterprise based on the payment amount;
[0011] When the insured enterprise passes the payment authentication, insurance claim settlement service will be provided to the insured enterprise.
[0012] To achieve the above-mentioned purpose, a second aspect of an embodiment of the present application provides an insurance claims settlement device, the device comprising:
[0013] A legality verification module, used to respond to the insurance claim service request of the insured enterprise and conduct legality verification on the insured enterprise through the financial certification center;
[0014] A page loading module, used to load an authentication page for the insured enterprise if the insured enterprise passes the legality verification;
[0015] An account acquisition module, used to acquire the account of the insured enterprise entered on the authentication page;
[0016] A payment authentication module, used to transfer funds to the account through the financial authentication center, and perform payment authentication on the insured enterprise based on the payment amount of the payment;
[0017] The claim service module is used to provide insurance claim services to the insured enterprise when the insured enterprise passes the payment authentication.
[0018] To achieve the above-mentioned purpose, the third aspect of an embodiment of the present application proposes a computer device, which includes a memory and a processor, the memory stores a computer program, and the processor implements the method described in the first aspect when executing the computer program.
[0019] To achieve the above-mentioned purpose, the fourth aspect of an embodiment of the present application proposes a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method described in the first aspect is implemented.
[0020] The insurance claim settlement method, device, equipment and storage medium proposed in the present application, the insurance claim settlement method, in response to the insurance claim settlement service request of the insured enterprise, performs a legality check on the insured enterprise through the financial certification center; when the insured enterprise passes the legality check, loads the authentication page for the insured enterprise; obtains the account of the insured enterprise entered on the authentication page; makes a payment to the account through the financial certification center, and performs payment authentication on the insured enterprise based on the payment amount; when the insured enterprise passes the payment authentication, provides insurance claim settlement service to the insured enterprise. In this way, by performing a legality check on the insured enterprise through the authoritative financial certification center, it can provide security guarantee for the payment authentication of the insured enterprise, so that the financial certification center can safely make a payment to the account of the insured enterprise, and authenticate the payment of the insured enterprise based on the payment amount, thereby indirectly realizing the security authentication of the insured enterprise, ensuring the rigor and security of the authentication of the insured enterprise, avoiding the security problem of fraudulent claims, and improving the authentication flexibility of the insured enterprise. Compared with manual review and authentication, it greatly improves the authentication efficiency of the insured enterprise. BRIEF DESCRIPTION OF THE DRAWINGS
[0021] Figure 1 is a flow chart of the insurance claims method provided by an embodiment of the present application;
[0022] Figure 2 yes Figure 1 Flow chart of step S104 in FIG.
[0023] Figure 3 This is an example flow chart of the insurance claims settlement method provided in the embodiment of the present application;
[0024] Figure 4 is a schematic block diagram of an insurance claims settlement device provided in an embodiment of the present application;
[0025] Figure 5 It is a schematic block diagram of the structure of the computer device provided in the embodiment of the present application. DETAILED DESCRIPTION
[0026] In order to make the purpose, technical solution and advantages of the present application more clearly understood, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.
[0027] It should be noted that, although the functional modules are divided in the device schematic diagram and the logical order is shown in the flowchart, in some cases, the steps shown or described may be performed in a different order than the module division in the device or the order in the flowchart. The terms "first", "second", etc. in the specification, claims and the above drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence.
[0028] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as those commonly understood by those skilled in the art to which this application belongs. The terms used herein are only for the purpose of describing the embodiments of this application and are not intended to limit this application.
[0029] First, some nouns involved in this application are analyzed:
[0030] Insured enterprise: refers to an enterprise that purchases insurance from an insurance institution in order to obtain insurance protection. In the insurance contract, the insured enterprise acts as the policyholder and obtains protection from the insurance institution by paying insurance premiums to prevent potential risks and losses.
[0031] Financial Certification Center: It can be an authoritative certification body in the financial industry. The main responsibility of the Financial Certification Center is to provide security certification services to ensure the security and reliability of financial transactions. The Financial Certification Center can provide an open API (Application Programming Interface) for financial institutions to call to support the needs of financial institutions in terms of security certification. For example, the Financial Certification Center is the China Financial Certification Authority (CFCA).
[0032] RSA (Rivest Shamir Adleman) algorithm: is a public key encryption algorithm that provides a pair of keys - a public key and a private key. The public key is used for encryption and the private key is used for decryption. It is suitable for secure data transmission.
[0033] Message Queue (MQ): is a communication method that allows different systems or applications to exchange information asynchronously. MQ messages are an effective way to achieve asynchronous communication and decoupling of different systems or applications.
[0034] Based on this, the embodiments of the present application provide an insurance claims method, apparatus, device and storage medium, which aim to improve the efficiency of authentication of insured enterprises and avoid the security issues of fraudulent claims.
[0035] The insurance claims settlement method, apparatus, device and storage medium provided in the embodiments of the present application are specifically described through the following embodiments. First, the insurance claims settlement method in the embodiments of the present application is described.
[0036] The embodiments of the present application can acquire and process relevant data based on business security technology. Among them, business security (Artificial Intelligence, AI) is the theory, method, technology and application system of using digital computers or machines controlled by digital computers to simulate, extend and expand human intelligence, perceive the environment, acquire knowledge and use knowledge to obtain the best results.
[0037] Business security basic technologies generally include sensors, dedicated business security chips, cloud computing, distributed storage, big data processing technology, operation / interaction systems, mechatronics, etc. Business security software technologies mainly include computer vision technology, robotics technology, biometrics technology, speech processing technology, natural language processing technology, and machine learning / deep learning.
[0038] The insurance claims settlement method provided in the embodiment of the present application relates to the fields of financial technology and business security technology. The insurance claims settlement method provided in the embodiment of the present application can be applied to a terminal, can be applied to a server side, or can be software running in a terminal or a server side. In some embodiments, the terminal can be a smart phone, a tablet computer, a laptop computer, a desktop computer, etc.; the server side can be configured as an independent physical server, or can be configured as a server cluster or a distributed system composed of multiple physical servers, and can also be configured as a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, CDN, and big data and business security platforms; the software can be an application that implements the insurance claims settlement method, such as an insurance service platform for corporate customers developed by a financial institution, but is not limited to the above forms.
[0039] It should be noted that in each specific implementation of the present application, when it comes to the need to perform relevant processing based on data related to user identity or characteristics such as user information, user behavior data, user historical data, and user location information, the user's permission or consent will be obtained first, and the collection, use, and processing of these data will comply with relevant laws, regulations, and standards. In addition, when the embodiment of the present application needs to obtain the user's sensitive personal information, the user's separate permission or consent will be obtained through a pop-up window or by jumping to a confirmation page. After clearly obtaining the user's separate permission or consent, the necessary user-related data for the normal operation of the embodiment of the present application will be obtained.
[0040] Figure 1 is an optional flow chart of the insurance claims method provided in the embodiment of the present application. Figure 1 The method may include but is not limited to steps S101 to S105.
[0041] Step S101, in response to the insurance claim service request of the insured enterprise, the legality of the insured enterprise is verified by the financial certification center.
[0042] Taking the application in the insurance service platform as an example, the insurance claims settlement method provided in the embodiment of the present application is described in detail.
[0043] The insurance claims settlement method provided in the embodiments of the present application enables the insurance service platform to conduct payment authentication for the insured enterprise through an authoritative financial authentication center, thereby indirectly realizing security authentication for the insured enterprise, so as to provide insurance claims settlement services for the insured enterprise.
[0044] Specifically, users such as relevant staff in the insured enterprise who are responsible for insurance affairs can trigger the insured enterprise's insurance claim service request on the insurance service platform.
[0045] In response to the insurance claim service request from the insured enterprise, the insurance service platform can call the financial certification center through the open API provided by the financial certification center to first conduct a legality verification on the insured enterprise, thereby providing security protection for the payment authentication of the insured enterprise.
[0046] Step S102: When the insured enterprise passes the legality verification, a certification page is loaded for the insured enterprise.
[0047] When the insured enterprise passes the legality verification of the Financial Certification Center, the Financial Certification Center generates a prompt message that the insured enterprise has passed the legality verification.
[0048] The prompt information carries a link to the authentication page, which is used to remind the users of the insured enterprise that the insured enterprise has passed the legitimacy verification and can access the link to the authentication page to log in to the authentication page without a password and promote subsequent payment authentication.
[0049] The authentication page may be an H5-format authentication page, which facilitates obtaining data entered on the authentication page.
[0050] The Financial Certification Center can return the prompt information to the insurance service platform in the form of a pop-up window, so that users of the insured enterprise can access the link to the certification page.
[0051] When the insurance service platform receives a request from a user of the insured enterprise to access the link, it loads an authentication page for the user of the insured enterprise to log in without a password.
[0052] Step S103, obtaining the account of the insured enterprise entered on the authentication page.
[0053] After the user of the insured enterprise logs in to the authentication page without a password, he or she can enter the account of the insured enterprise on the authentication page, such as the public bank account number of the insured enterprise and the name of the opening bank.
[0054] The insurance service platform obtains the account of the insured enterprise entered on the authentication page.
[0055] Step S104: The account is remitted through the financial authentication center, and the insured enterprise is authenticated based on the remittance amount.
[0056] The insurance service platform continues to call the Financial Certification Center to make payments to the accounts of insured companies.
[0057] It can be understood that since the Financial Certification Center transfers money to the account of the insured enterprise in order to authenticate the payment to the insured enterprise, the payment amount is a random small amount and may not exceed the preset amount threshold. For example, the payment amount is 0.078 yuan and does not exceed 0.1 yuan.
[0058] In this way, the Financial Certification Center can authenticate the payment of the insured enterprise based on the payment amount.
[0059] Step S105: Provide insurance claim settlement service to the insured enterprise when the insured enterprise passes the payment authentication.
[0060] Once the insured enterprise passes the payment certification of the Financial Certification Center, the insurance service platform can provide insurance claims services for the insured enterprise.
[0061] Therefore, by utilizing the authoritative financial certification center, payment certification for the insured enterprises is achieved, ensuring the rigor and security of the certification of the insured enterprises, avoiding the security issues of false claims, and improving the flexibility of certification for the insured enterprises. Compared with manual review and certification, the efficiency of certification for the insured enterprises is greatly improved.
[0062] The insurance claim settlement method provided in the above embodiment responds to the insurance claim settlement service request of the insured enterprise, performs a legality check on the insured enterprise through the financial certification center; if the insured enterprise passes the legality check, loads the authentication page for the insured enterprise; obtains the account of the insured enterprise entered on the authentication page; makes a payment to the account through the financial certification center, and performs payment authentication on the insured enterprise based on the payment amount; if the insured enterprise passes the payment authentication, provides insurance claim settlement service to the insured enterprise. In this way, by performing a legality check on the insured enterprise through an authoritative financial certification center, security protection can be provided for the payment authentication of the insured enterprise, so that the financial certification center can safely make a payment to the account of the insured enterprise, and authenticate the payment of the insured enterprise based on the payment amount, thereby indirectly realizing the security authentication of the insured enterprise, ensuring the rigor and security of the authentication of the insured enterprise, avoiding the security problem of fraudulent claims, and improving the authentication flexibility of the insured enterprise. Compared with manual review and authentication, the authentication efficiency of the insured enterprise is greatly improved.
[0063] In step S101 of some embodiments, the legality of the insured enterprise is verified by the financial authentication center, which may be to obtain the identity information of the insured enterprise; and the legality of the insured enterprise is verified by the financial authentication center based on the identity information.
[0064] When a user of an insured enterprise triggers an insurance claim service request of the insured enterprise on the insurance service platform, the user needs to submit the identity information of the insured enterprise on the insurance service platform.
[0065] The identity information of the insured enterprise includes the name of the insured enterprise, certificates (such as business license, organization code certificate, tax registration certificate or industry license, etc.) and corporate elements such as legal person information.
[0066] The insurance service platform obtains the identity information of the insured enterprise, and sends a legality verification request for the insured enterprise to the financial certification center through the open API provided by the financial certification center. The legality verification request carries the identity information of the insured enterprise.
[0067] Among them, the financial certification center can connect to the industrial and commercial system, in which the legal identity information of legal enterprises is recorded.
[0068] The Financial Certification Center receives the legality verification request, extracts the identity information of the insured enterprise from the legality verification request, and queries the industrial and commercial system to see whether there is legal identity information that is consistent with the identity information of the insured enterprise.
[0069] When the Financial Certification Center finds legal identity information that is consistent with the identity information of the insured enterprise in the industrial and commercial system, it can confirm that the insured enterprise has passed the legality verification, generate a prompt message that the insured enterprise has passed the legality verification, and return the prompt message to the insurance service platform.
[0070] It can be understood that only when the enterprise elements in the identity information are consistent, such as the name, certificate and legal person information, can it be said that the insured enterprise has passed the legality verification.
[0071] Therefore, through the authoritative financial certification center, the legality verification of the insured enterprise is realized, the effectiveness of the legality verification is improved, and thus a security guarantee is provided for payment authentication.
[0072] In some embodiments, after the insured enterprise is verified for legality by the financial authentication center, the following may also be included: encrypting the identity information to obtain encrypted identity information; and storing the encrypted identity information in a database server.
[0073] Since the identity information of the insured enterprise is one of the bases for payment authentication of the insured enterprise, and considering that the users of the insured enterprise may be unable to cooperate in promoting payment authentication in a timely manner, in order to ensure the security of the insured enterprise's identity information and to reduce the consumption of its own resources, the insurance service platform can encrypt the identity information of the insured enterprise, obtain the encrypted identity information, and then store the encrypted identity information in the database server.
[0074] For example, the insurance service platform may encrypt the identity information of the insured enterprise by using a preset RSA algorithm, and then store the encrypted identity information in a Redis server.
[0075] In order to save storage space on the database server, a storage validity period can be set for the encrypted identity information of the insured enterprise. If the storage period of the encrypted identity information in the database server exceeds the storage validity period, it will become invalid and be cleared. For example, if the storage validity period is set to three days, the encrypted identity information will become invalid and be cleared if the storage period of the encrypted identity information in the database server exceeds three days, which means that the payment authentication for the insured enterprise is terminated.
[0076] In some embodiments, loading an authentication page for the insured enterprise may be by receiving a prompt message returned by a financial authentication center indicating that the insured enterprise has passed the legality check, wherein the prompt message carries a link to the authentication page; in response to an access request to the link, obtaining the encrypted identity information from a database server; decrypting the encrypted identity information to obtain the identity information; adding the identity information to the authentication page; and loading the authentication page.
[0077] The insurance service platform receives a prompt message from the financial certification center indicating that the insured enterprise has passed the legality verification. The prompt message carries a link to the certification page for users of the insured enterprise to access.
[0078] When the insurance service platform receives a request from the user of the insured enterprise to access the link, it responds to the user's request to access the link by first obtaining the encrypted identity information of the insured enterprise from the database server, then decrypting the encrypted identity information to obtain the identity information of the insured enterprise, adding the identity information of the insured enterprise to the authentication page, and then loading the authentication page for the user of the insured enterprise to verify whether the identity information of the insured enterprise is correct.
[0079] When the user of the insured enterprise verifies that the identity information of the insured enterprise is correct, he or she can enter the account of the insured enterprise on the authentication page to ensure that the account of the insured enterprise is entered on the authentication page.
[0080] Through the above method, the security of the insured enterprise's identity information and the security of the insured enterprise's account are ensured.
[0081] See also Figure 2 In some embodiments, step S104 may include but is not limited to steps S1041 to S1044.
[0082] Step S1041, sending a payment authentication request carrying the account to the financial authentication center, wherein the payment authentication request is used by the financial authentication center to transfer funds to the account.
[0083] After the insurance service platform obtains the account of the insured enterprise entered on the authentication page, it sends a payment authentication request to the financial authentication center. The payment authentication request carries the account of the insured enterprise and is used by the financial authentication center to make payments to the account of the insured enterprise.
[0084] Step S1042, upon receiving the payment response returned by the financial authentication center, load the payment verification page.
[0085] The Financial Certification Center receives the payment authentication request sent by the insurance service platform, makes a payment to the account of the insured enterprise, and returns a payment response to the insurance service platform after the payment is completed.
[0086] The insurance service platform receives the payment response returned by the financial certification center, generates and loads a payment verification page for the insured enterprise's users to enter the payment information for the insured enterprise's account.
[0087] Step S1043, obtaining the payment information of the account entered on the payment verification page.
[0088] The insurance service platform obtains the payment finance of the insured enterprise's account input by the user of the insured enterprise.
[0089] Step S1044, through the financial authentication center, the insured enterprise is authenticated based on the payment amount and the receiving finance.
[0090] The insurance service platform conducts payment certification for insured enterprises through the Financial Certification Center based on the payment amount and payment finance.
[0091] In this way, with the help of the Financial Certification Center, payment certification is carried out on the insured enterprises based on the payment amount and the payment finance, which greatly improves the rigor and accuracy of the payment certification.
[0092] In step S1044 of some embodiments, a payment verification request carrying the payment amount may be sent to a financial certification center, wherein the payment verification request is used by the financial certification center to verify the consistency between the payment amount and the payment amount; a payment verification response returned by the financial certification center is received; and when the payment verification response indicates that the payment amount and the payment amount have passed the consistency check, it is determined that the insured enterprise has passed the payment authentication.
[0093] After the insurance service platform obtains the payment information of the insured enterprise's account entered by the user of the insured enterprise, it can send a payment verification request to the financial certification center. The payment verification request carries the payment information of the insured enterprise's account, which is used by the financial certification center to verify the consistency between the payment amount and the payment amount.
[0094] The financial authentication center receives the payment verification request, extracts the receiving financial information of the insured enterprise's account from the payment verification request, compares the receiving financial information with the payment amount paid to the insured enterprise's account, and if the receiving financial information is consistent with the payment amount, it is determined that the insured enterprise has passed the payment authentication, and returns a payment verification response to the insurance service platform, which indicates that the receiving amount and the payment amount have passed the consistency check.
[0095] The insurance service platform receives the payment verification response, confirms that the payment verification response indicates that the payment amount has passed the consistency check with the payment amount, and thus confirms that the insured enterprise has passed the payment authentication.
[0096] Through the above method, the rationality of payment authentication can be improved.
[0097] In some embodiments, in order to ensure the reliability and security of the payment authentication, a validity period can be set for the link of the authentication page. Once the validity period expires, the link of the authentication page will become invalid and inaccessible. The validity period set for the link of the authentication page can be consistent with the storage validity period of the encrypted identity information of the insured enterprise.
[0098] In some embodiments, in order to ensure the reliability and security of payment authentication, the number of payment authentications may also be limited. For example, for an insured enterprise, a maximum of three payment authentications are allowed per day to avoid payment authentication errors caused by too many payment authentication retries.
[0099] For a better understanding of the above embodiments, please refer to Figure 3 , Figure 3 The example flow chart of the insurance claim settlement method provided in the embodiment of the present application can be as follows Figure 3 The illustrated steps a1 to a14 are to perform insurance claims.
[0100] a1. The user of the insured enterprise triggers the insurance claim service request of the insured enterprise on the insurance service platform, and the insurance service platform receives the insurance claim service request;
[0101] a2, the insurance service platform responds to the insurance claim service request of the insured enterprise and obtains the identity information of the insured enterprise;
[0102] a3. The insurance service platform sends a request for the legitimacy verification of the insured enterprise to the financial authentication center, and the request carries the identity information of the insured enterprise. The financial authentication center receives the request for the legitimacy verification, extracts the identity information of the insured enterprise from the request for the legitimacy verification, and queries the connected industrial and commercial system for legal identity information that is consistent with the identity information of the insured enterprise. If legal identity information that is consistent with the identity information of the insured enterprise is found, it is confirmed that the insured enterprise has passed the legality verification, and a prompt message is generated indicating that the insured enterprise has passed the legality verification. The prompt message is returned to the insurance service platform, and the prompt message carries a link to the authentication page.
[0103] a4, the insurance service platform receives the prompt information returned by the financial authentication center, and the prompt information carries a link to the authentication page for users of the insured enterprise to access;
[0104] a5. The insurance service platform encrypts the identity information of the insured enterprise, obtains the encrypted identity information, and stores the encrypted identity information in the Redis server;
[0105] a6, the insurance service platform responds to the insured enterprise's user's access request to the link of the authentication page, obtains the encrypted identity information from the Redis server, decrypts the encrypted identity information, and obtains the insured enterprise's identity information;
[0106] a7. The insurance service platform adds the identity information of the insured enterprise on the authentication page and loads the authentication page;
[0107] a8. The user of the insured enterprise verifies that the identity information of the insured enterprise provided on the authentication page is correct, enters the account of the insured enterprise on the authentication page, and the insurance service platform obtains the account of the insured enterprise;
[0108] a9, the insurance service platform sends a payment authentication request to the financial authentication center, which carries the account of the insured enterprise; the financial authentication center receives the payment authentication request, transfers money to the account of the insured enterprise, and returns a payment response to the insurance service platform;
[0109] a10, the insurance service platform receives the payment response and loads the payment verification page;
[0110] a11. The user of the insured enterprise enters the receiving financial information of the insured enterprise's account on the payment verification page, and the insurance service platform obtains the receiving financial information;
[0111] a12, the insurance service platform sends a payment verification request to the financial authentication center, and the payment verification request carries the payment amount; the financial authentication center receives the payment verification request, verifies the consistency between the payment amount and the payment amount, and returns a payment verification response to the insurance service platform if the consistency verification passes, indicating that the payment amount and the payment amount have passed the consistency check;
[0112] a13, the insurance service platform receives the payment verification response. If the payment verification response indicates that the payment amount and the payment amount have passed the consistency check, it is confirmed that the insured enterprise has passed the payment authentication, and the security authentication of the insured enterprise has passed;
[0113] a14. The insurance service platform provides insurance claim services to insured enterprises.
[0114] Among them, the insurance service platform can send relevant requests and responses to the financial certification center through MQ messaging to ensure the reliability of the transmission of relevant requests and responses.
[0115] Therefore, with the help of the authoritative financial certification center, the payment certification of the insured enterprises is realized, ensuring the rigor and security of the certification of the insured enterprises, avoiding the security issues of false claims, and improving the flexibility of certification for the insured enterprises. Compared with manual review and certification, it greatly improves the certification efficiency of the insured enterprises.
[0116] See also Figure 4 , Figure 4 It is a schematic block diagram of an insurance claim settlement device provided in an embodiment of the present application. The insurance claim settlement device can be configured in a computer device to execute the aforementioned insurance claim settlement method.
[0117] like Figure 4 As shown, the insurance claim settlement device 400 includes: a legality verification module 401, a page loading module 402, an account acquisition module 403, a payment authentication module 404 and a claim settlement service module 405.
[0118] A legality verification module, used to respond to the insurance claim service request of the insured enterprise and conduct legality verification on the insured enterprise through the financial certification center;
[0119] A page loading module, used to load an authentication page for the insured enterprise if the insured enterprise passes the legality verification;
[0120] An account acquisition module, used to acquire the account of the insured enterprise entered on the authentication page;
[0121] A payment authentication module, used to transfer funds to the account through the financial authentication center, and perform payment authentication on the insured enterprise based on the payment amount of the payment;
[0122] The claim service module is used to provide insurance claim services to the insured enterprise when the insured enterprise passes the payment authentication.
[0123] In one embodiment, the payment authentication module 404 is further used to:
[0124] Sending a payment authentication request carrying the account to the financial authentication center, wherein the payment authentication request is used by the financial authentication center to transfer money to the account;
[0125] Upon receiving the payment response returned by the financial authentication center, loading the payment verification page;
[0126] Obtaining the payment information of the account received entered on the payment verification page;
[0127] Through the financial authentication center, the insured enterprise is authenticated for payment based on the payment amount and the payment receiving financial information.
[0128] In one embodiment, the payment authentication module 404 is further used to:
[0129] Sending a payment verification request carrying the payment amount to the financial authentication center, wherein the payment verification request is used by the financial authentication center to verify the consistency between the payment amount and the payment amount;
[0130] Receiving a payment verification response returned by the financial authentication center;
[0131] When the payment verification response indicates that the received amount and the payment amount have passed the consistency check, it is determined that the insured enterprise has passed the payment authentication.
[0132] In one embodiment, the legality verification module 401 is further used to:
[0133] Obtaining identity information of the insured enterprise;
[0134] Through the financial authentication center, the legality of the insured enterprise is verified based on the identity information.
[0135] In one embodiment, the insurance claim settlement device 400 further includes an information encryption module, and the information encryption module is used to:
[0136] Encrypting the identity information to obtain encrypted identity information;
[0137] The encrypted identity information is stored in a database server.
[0138] In one embodiment, the page loading module 402 is further used to:
[0139] Receiving a prompt message returned by the financial authentication center indicating that the insured enterprise has passed the legality verification, wherein the prompt message carries a link to the authentication page;
[0140] obtaining the encrypted identity information from the database server in response to a request for access to the link;
[0141] decrypting the encrypted identity information to obtain the identity information;
[0142] Add the identity information on the authentication page;
[0143] The authentication page is loaded.
[0144] In one embodiment, the insurance claim settlement device 400 further includes a validity period setting module, and the validity period setting module is used to:
[0145] Sets an expiration date for the link.
[0146] Among them, each module in the above-mentioned insurance claim settlement device 400 corresponds to each step in the above-mentioned insurance claim settlement method embodiment, and its functions and implementation processes will not be repeated here one by one.
[0147] The insurance claim settlement device 400 can execute the insurance claim settlement method provided in the embodiment of the present application, and therefore can achieve the beneficial effects that can be achieved by the insurance claim settlement method provided in the embodiment of the present application. Please refer to the previous embodiment for details and will not be repeated here.
[0148] The method and apparatus of the present application can be used in many general or special computer system environments or configurations. For example: personal computers, server computers, handheld or portable devices, tablet devices, multiprocessor systems, microprocessor-based systems, set-top boxes, programmable consumer electronic devices, network PCs, minicomputers, mainframe computers, distributed computing environments including any of the above systems or devices, etc. The present application can be described in the general context of computer-executable instructions executed by a computer, such as program modules. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types. The present application can also be practiced in distributed computing environments, in which tasks are performed by remote processing devices connected through a communication network. In a distributed computing environment, program modules can be located in local and remote computer storage media including storage devices.
[0149] Exemplarily, the above method and apparatus may be implemented in the form of a computer program. The computer program may be implemented in the form of a computer program. Figure 5 Runs on the computer device shown.
[0150] See also Figure 5 , Figure 5 It is a schematic block diagram of the structure of a computer device provided in an embodiment of the present application.
[0151] See also Figure 5 The computer device includes a processor and a memory connected via a system bus, wherein the memory may include a non-volatile storage medium and an internal memory.
[0152] The processor is used to provide computing and control capabilities and support the operation of the entire computer equipment.
[0153] The internal memory provides an environment for the operation of the computer program in the non-volatile storage medium. When the computer program is executed by the processor, the processor can execute any insurance claim settlement method.
[0154] It should be understood that the processor may be a central processing unit (CPU), and the processor may also be other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. Among them, the general-purpose processor may be a microprocessor or the processor may also be any conventional processor, etc.
[0155] In one embodiment, the processor is used to run a computer program stored in the memory to implement the following steps:
[0156] In response to the insurance claim service request of the insured enterprise, the legality of the insured enterprise is verified through the financial authentication center;
[0157] If the insured enterprise passes the legality verification, loading a certification page for the insured enterprise;
[0158] Obtaining the account of the insured enterprise entered on the authentication page;
[0159] The financial authentication center transfers money to the account, and authenticates the payment to the insured enterprise based on the payment amount;
[0160] When the insured enterprise passes the payment authentication, insurance claim settlement service will be provided to the insured enterprise.
[0161] In one embodiment, when the processor implements the payment to the account through the financial authentication center and performs payment authentication on the insured enterprise based on the payment amount of the payment, it is used to implement:
[0162] Sending a payment authentication request carrying the account to the financial authentication center, wherein the payment authentication request is used by the financial authentication center to transfer money to the account;
[0163] Upon receiving the payment response returned by the financial authentication center, loading the payment verification page;
[0164] Obtaining the payment information of the account received entered on the payment verification page;
[0165] Through the financial authentication center, the insured enterprise is authenticated for payment based on the payment amount and the payment receiving financial information.
[0166] In one embodiment, when the processor implements the payment authentication of the insured enterprise through the financial authentication center according to the payment amount and the payment receiving finance, it is used to implement:
[0167] Sending a payment verification request carrying the payment amount to the financial authentication center, wherein the payment verification request is used by the financial authentication center to verify the consistency between the payment amount and the payment amount;
[0168] Receiving a payment verification response returned by the financial authentication center;
[0169] When the payment verification response indicates that the received amount and the payment amount have passed the consistency check, it is determined that the insured enterprise has passed the payment authentication.
[0170] In one embodiment, when implementing the legitimacy verification of the insured enterprise by the financial certification center, the processor is used to implement:
[0171] Obtaining identity information of the insured enterprise;
[0172] Through the financial authentication center, the legality of the insured enterprise is verified based on the identity information.
[0173] In one embodiment, after implementing the legitimacy verification of the insured enterprise by the financial certification center, the processor is further used to implement:
[0174] Encrypting the identity information to obtain encrypted identity information;
[0175] The encrypted identity information is stored in a database server.
[0176] In one embodiment, when implementing the loading of the authentication page for the insured enterprise, the processor is used to implement:
[0177] Receiving a prompt message returned by the financial authentication center indicating that the insured enterprise has passed the legality verification, wherein the prompt message carries a link to the authentication page;
[0178] obtaining the encrypted identity information from the database server in response to a request for access to the link;
[0179] decrypting the encrypted identity information to obtain the identity information;
[0180] Add the identity information on the authentication page;
[0181] The authentication page is loaded.
[0182] In one embodiment, the processor is used to run a computer program stored in the memory, and further implements the following steps:
[0183] Sets an expiration date for the link.
[0184] The computer device can execute the insurance claim settlement method provided in the embodiment of the present application, and therefore can achieve the beneficial effects that can be achieved by the insurance claim settlement method provided in the embodiment of the present application. Please refer to the previous embodiment for details and will not be repeated here.
[0185] An embodiment of the present application also provides a computer-readable storage medium.
[0186] The computer-readable storage medium of the present application stores a computer program, and when the computer program is executed by a processor, the steps of the insurance claim settlement method as described above are implemented.
[0187] The computer-readable storage medium may be an internal storage unit of the insurance claim settlement device or computer device described in the above embodiments, such as a hard disk or memory of the insurance claim settlement device or computer device. The computer-readable storage medium may also be an external storage device of the insurance claim settlement device or computer device, such as a plug-in hard disk, a smart memory card (Smart Media Card, SMC), a secure digital card (Secure Digital Card, SD Card), a flash card (Flash Card), etc., equipped on the insurance claim settlement device or computer device.
[0188] Since the computer program stored in the computer-readable storage medium can execute any one of the insurance claims settlement methods provided in the embodiments of the present application, the beneficial effects that can be achieved by any one of the insurance claims settlement methods provided in the embodiments of the present application can be achieved. Please refer to the previous embodiments for details and will not be repeated here.
[0189] Furthermore, the computer-readable storage medium may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application required for at least one function, etc.; the data storage area may store data created according to the use of the blockchain node, etc.
[0190] The blockchain referred to in this application is a new application model of computer technologies such as distributed data storage, peer-to-peer transmission, consensus mechanism, encryption algorithm, etc. Blockchain is essentially a decentralized database, a string of data blocks generated by cryptographic methods. Each data block contains a batch of network transaction information, which is used to verify the validity of its information (anti-counterfeiting) and generate the next block. Blockchain can include the underlying blockchain platform, platform product service layer, and application service layer.
[0191] It should be noted that, in this article, the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, article or system including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, article or system. In the absence of further restrictions, an element defined by the sentence "comprises a ..." does not exclude the existence of other identical elements in the process, method, article or system including the element.
[0192] The above description is only a specific implementation mode 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 substitutions within the technical scope disclosed in the present application, and these modifications or substitutions should be included in the protection scope of the present application.
Claims
1. An insurance claim settlement method, characterized in that: The method comprises: In response to the insurance claim service request of the insured enterprise, the legality of the insured enterprise is verified through the financial authentication center; If the insured enterprise passes the legality verification, loading a certification page for the insured enterprise; Obtaining the account of the insured enterprise entered on the authentication page; The financial authentication center transfers money to the account, and authenticates the payment to the insured enterprise based on the payment amount; When the insured enterprise passes the payment authentication, insurance claim settlement service will be provided to the insured enterprise.
2. The method according to claim 1, characterized in that The step of transferring money to the account through the financial authentication center and authenticating the payment to the insured enterprise based on the payment amount of the payment includes: Sending a payment authentication request carrying the account to the financial authentication center, wherein the payment authentication request is used by the financial authentication center to transfer money to the account; Upon receiving the payment response returned by the financial authentication center, loading the payment verification page; Obtaining the payment information of the account received entered on the payment verification page; Through the financial authentication center, the insured enterprise is authenticated for payment based on the payment amount and the payment receiving financial information.
3. The method according to claim 2, characterized in that The financial authentication center performs payment authentication on the insured enterprise according to the payment amount and the payment receiving financial information, including: Sending a payment verification request carrying the payment amount to the financial authentication center, wherein the payment verification request is used by the financial authentication center to verify the consistency between the payment amount and the payment amount; Receiving a payment verification response returned by the financial authentication center; When the payment verification response indicates that the received amount and the payment amount have passed the consistency check, it is determined that the insured enterprise has passed the payment authentication.
4. The method according to claim 1, characterized in that The legality verification of the insured enterprise by the Financial Certification Center includes: Obtaining identity information of the insured enterprise; Through the financial authentication center, the legality of the insured enterprise is verified based on the identity information.
5. The method according to claim 4, characterized in that After the financial certification center verifies the legality of the insured enterprise, it also includes: Encrypting the identity information to obtain encrypted identity information; The encrypted identity information is stored in a database server.
6. The method according to claim 5, characterized in that The method of loading the authentication page for the insured enterprise includes: Receiving a prompt message returned by the financial authentication center indicating that the insured enterprise has passed the legality verification, wherein the prompt message carries a link to the authentication page; obtaining the encrypted identity information from the database server in response to a request for access to the link; decrypting the encrypted identity information to obtain the identity information; Add the identity information on the authentication page; The authentication page is loaded.
7. The method according to claim 6, characterized in that The method further comprises: Sets an expiration date for the link.
8. An insurance claim settlement device, characterized in that: The device comprises: A legality verification module, used to respond to the insurance claim service request of the insured enterprise and conduct legality verification on the insured enterprise through the financial certification center; A page loading module, used to load an authentication page for the insured enterprise if the insured enterprise passes the legality verification; An account acquisition module, used to acquire the account of the insured enterprise entered on the authentication page; A payment authentication module, used to transfer funds to the account through the financial authentication center, and perform payment authentication on the insured enterprise based on the payment amount of the payment; The claim service module is used to provide insurance claim services to the insured enterprise when the insured enterprise passes the payment authentication.
9. A computer device, characterized in that: The computer device includes a memory and a processor, the memory stores a computer program, and the processor implements the insurance claim settlement method according to any one of claims 1 to 7 when executing the computer program.
10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the insurance claim settlement method according to any one of claims 1 to 7 is implemented.