Insurance issuing method and device, electronic equipment and storage medium

Abstract

The embodiment of the invention provides an insurance issuing method and device, electronic equipment and a storage medium, belongs to the technical field of image processing, and is suitable for the field of financial science and technology. The method comprises the following steps: acquiring a scanning insurance policy image of a target user; performing image recognition on the scanned insurance policy image to obtain an insurance category; based on the insurance category, screening a preset initial insurance policy input workbench to obtain a target insurance policy input workbench, the target insurance policy input workbench being used for performing insurance policy input on the scanned insurance policy image; performing insurance policy input on the scanned insurance policy image based on a target insurance policy input workbench to obtain a target electronic insurance policy; information verification is carried out on the target electronic insurance policy to obtain an insurance policy information verification result, and the insurance policy information verification result is used for representing that the information of the target electronic insurance policy is correct or wrong; and performing insurance issuing on the target electronic insurance policy based on the insurance policy information verification result. According to the embodiment of the invention, the insurance issuing efficiency can be improved.

Description

Technical Field

[0001] The present application relates to the field of image processing technology, is applicable to the field of financial technology, and in particular to a method and device for issuing insurance policies, an electronic device, and a storage medium. Background Art

[0002] Insurance policy issuance includes the input, verification, and issuance of user insurance information. For example, in the pension insurance sales scenario in the financial field, by entering, verifying, and issuing policies for the pension insurance information provided by users, users can quickly obtain the policy information of their insurance.

[0003] At present, the common insurance policy issuance is usually carried out manually by entering and verifying the insurance information provided by the user, which results in a slow insurance policy issuance process, thereby reducing the user's insurance experience. Therefore, how to improve the efficiency of insurance policy issuance has become a technical problem that needs to be solved urgently. Summary of the invention

[0004] The main purpose of the embodiments of the present application is to propose a method and device for insurance policy issuance, an electronic device and a storage medium, aiming to improve the efficiency of insurance policy issuance.

[0005] To achieve the above-mentioned purpose, a first aspect of an embodiment of the present application proposes a method for applying for an insurance policy, the method comprising:

[0006] Obtain the scanned insurance policy image of the target user;

[0007] Performing image recognition on the scanned insurance policy image to obtain the insurance category;

[0008] Based on the insurance category, the preset initial insurance policy entry workbench is screened to obtain a target insurance policy entry workbench, wherein the target insurance policy entry workbench is used to enter the insurance policy for the scanned insurance policy image;

[0009] Entering the scanned policy image into the target policy entry workbench to obtain a target electronic policy;

[0010] Performing information verification on the target electronic insurance policy to obtain an insurance policy information verification result, wherein the insurance policy information verification result is used to indicate whether the information of the target electronic insurance policy is correct or incorrect;

[0011] Based on the insurance policy information verification result, the target electronic insurance policy is insured and issued.

[0012] In some embodiments, performing image recognition on the scanned insurance policy image to obtain the insurance category includes:

[0013] Performing optical character recognition on the scanned policy image to obtain text information of the policy image;

[0014] Based on the preset insurance type keywords, the insurance policy image text information is matched with the insurance type to obtain the insurance category.

[0015] In some embodiments, the step of entering the scanned policy image into the target policy entry workbench to obtain the target electronic policy includes:

[0016] Generate an initial electronic insurance policy based on the target insurance policy entry workbench;

[0017] Performing image information recognition on the scanned insurance policy image to obtain insurance policy information text;

[0018] Based on the policy information text and the target policy entry workbench, the initial electronic policy is entered to obtain the target electronic policy.

[0019] In some embodiments, the scanned insurance policy image includes a face image of the target user and an insurance policy text image, and performing image information recognition on the scanned insurance policy image to obtain the insurance policy information text includes:

[0020] Performing face recognition on the face image to obtain the policyholder identity information of the target user;

[0021] Performing image and text recognition on the insurance policy text image to obtain basic information of the insurance policy;

[0022] The insured's identity information and the basic information of the insurance policy are processed in an information-structuring manner to obtain the insurance policy information text.

[0023] In some embodiments, the step of issuing an insurance policy for the target electronic insurance policy based on the insurance policy information verification result includes:

[0024] If the policy information verification result indicates that the information of the target electronic policy is correct, screening the policy issuance information of the target electronic policy to obtain the issuance information;

[0025] Based on the order information, information feedback is provided to the target user to obtain target insurance information;

[0026] If the policy information verification result indicates that the information of the target electronic policy is incorrect, screening the target electronic policy for policy error information to obtain the incorrect information;

[0027] Based on the erroneous information, information feedback is provided to the target user to obtain insurance error information.

[0028] In some embodiments, after issuing the target electronic insurance policy based on the insurance policy information verification result, the method further includes:

[0029] Based on the insurance error information, receiving insurance correction information of the target user;

[0030] Based on the target insurance policy entry workbench, the insurance policy correction information is supplemented and the supplemented insurance policy is obtained.

[0031] In some embodiments, performing information verification on the target electronic insurance policy to obtain an insurance policy information verification result includes:

[0032] Performing data format verification on the target electronic insurance policy to obtain a format verification result, wherein the format verification result is used to indicate whether the format of the target electronic insurance policy is correct or incorrect;

[0033] Performing an information consistency check on the target electronic insurance policy to obtain a consistency check result, wherein the consistency check result is used to indicate whether the information of the target electronic insurance policy is consistent or inconsistent;

[0034] When the format check result indicates that the format of the target electronic insurance policy is correct, and the consistency check result indicates that the information of the target electronic insurance policy is consistent, a policy information check result indicating that the information of the target electronic insurance policy is correct is generated;

[0035] When the format check result indicates that the format of the target electronic insurance policy is incorrect, or the consistency check result indicates that the information of the target electronic insurance policy is inconsistent, generating a policy information check result indicating that the information of the target electronic insurance policy is incorrect;

[0036] When the format check result indicates that the format of the target electronic policy is incorrect, and the consistency check result indicates that the information of the target electronic policy is inconsistent, a policy information check result indicating that the information of the target electronic policy is incorrect is generated.

[0037] To achieve the above-mentioned purpose, a second aspect of the embodiments of the present application provides an insurance policy issuance device, the device comprising:

[0038] The insurance policy image acquisition module is used to acquire the scanned insurance policy image of the target user;

[0039] An insurance policy image recognition module, used to perform image recognition on the scanned insurance policy image to obtain the insurance category;

[0040] A workbench screening module, used for screening the preset initial policy entry workbench based on the insurance category to obtain a target policy entry workbench, wherein the target policy entry workbench is used for entering the policy for the scanned policy image;

[0041] An electronic insurance policy generating module, used to input the scanned insurance policy image based on the target insurance policy input workbench to obtain a target electronic insurance policy;

[0042] An electronic insurance policy verification module, used to verify the information of the target electronic insurance policy and obtain an insurance policy information verification result, wherein the insurance policy information verification result is used to indicate whether the information of the target electronic insurance policy is correct or incorrect;

[0043] The electronic insurance policy issuance module is used to issue insurance for the target electronic insurance policy based on the insurance policy information verification result.

[0044] To achieve the above objectives, a third aspect of an embodiment of the present application proposes an electronic device, which includes a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the method described in the first aspect is implemented.

[0045] 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.

[0046] The insurance policy issuance method and device, electronic device and storage medium proposed in the present application obtain the insurance category by performing image recognition on the scanned policy image of the target user, and then screen the preset initial policy entry workbench according to the insurance category to obtain the target policy entry workbench, and use the target policy entry workbench to enter the scanned policy image to obtain the target policy, thereby realizing intelligent processing of policy entry, reducing the manual participation in policy entry, and thus improving the efficiency of policy entry. Secondly, by performing information verification on the target policy to obtain the policy information verification result, it realizes intelligent processing of policy information verification, reduces the manual participation in policy verification, and improves the efficiency of policy verification. Finally, according to the policy information verification result, the target policy is insured and issued, realizing intelligent processing of insurance policy issuance, reducing the manual participation in policy issuance by users, and thus improving the efficiency of insurance policy issuance. BRIEF DESCRIPTION OF THE DRAWINGS

[0047] Figure 1 It is a flow chart of the insurance policy issuance method provided in the embodiment of the present application;

[0048] Figure 2 yes Figure 1 Flow chart of step S102 in FIG.

[0049] Figure 3 yes Figure 2 Flow chart of step S104 in FIG.

[0050] Figure 4 yes Figure 1 Flow chart of step S302 in FIG.

[0051] Figure 5 yes Figure 1 Flow chart of step S105 in FIG.

[0052] Figure 6 yes Figure 1 Flow chart of step S106 in FIG.

[0053] Figure 7 This is a flow chart of a method for applying for insurance and issuing a policy provided by another embodiment of the present application;

[0054] Figure 8 It is a structural schematic diagram of the insurance policy issuing device provided in an embodiment of the present application;

[0055] Fig. 9 It is a schematic diagram of the hardware structure of the electronic device provided in the embodiment of the present application. DETAILED DESCRIPTION

[0056] 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.

[0057] 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.

[0058] 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.

[0059] First, some nouns involved in this application are analyzed:

[0060] Insurance category: Insurance category refers to a series of insurance product categories designed and provided by insurance companies based on different types of risks and customer needs. Each type of insurance corresponds to specific coverage and liability clauses, such as life insurance, health insurance, property insurance, liability insurance, etc. They each cover risk protection in many aspects, from personal life safety, health care to property loss, legal liability, etc.

[0061] Optical character recognition method: Optical character recognition is a technology that converts text information in an image into electronic text. It recognizes text characters in an image through image processing and pattern recognition technology, and converts these characters into editable and searchable data formats, thereby realizing automated text entry and document management, and improving the efficiency and accuracy of information processing.

[0062] Insurance policy issuance includes the input, verification, and issuance of user insurance information. For example, in the pension insurance sales scenario in the financial field, by entering, verifying, and issuing policies for the pension insurance information provided by users, users can quickly obtain the policy information of their insurance.

[0063] At present, the common insurance policy issuance is usually carried out manually by entering and verifying the insurance information provided by the user, which results in a slow insurance policy issuance process, thereby reducing the user's insurance experience. Therefore, how to improve the efficiency of insurance policy issuance has become a technical problem that needs to be solved urgently.

[0064] Based on this, the embodiments of the present application provide a method and device for insurance policy issuance, an electronic device and a storage medium, aiming to improve the efficiency of insurance policy issuance.

[0065] The insurance policy issuance method and device, electronic device and storage medium provided in the embodiments of the present application are specifically explained through the following embodiments. First, the insurance policy issuance method in the embodiments of the present application is described.

[0066] The embodiments of the present application can acquire and process relevant data based on artificial intelligence technology. Among them, artificial intelligence (AI) is the theory, method, technology and application system that uses 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.

[0067] AI basic technologies generally include sensors, dedicated AI chips, cloud computing, distributed storage, big data processing technology, operation / interaction systems, mechatronics, etc. AI software technologies mainly include computer vision technology, robotics technology, biometrics technology, speech processing technology, natural language processing technology, and machine learning / deep learning.

[0068] The insurance policy issuance method provided in the embodiment of the present application relates to the field of image processing technology. The insurance policy issuance method provided in the embodiment of the present application can be applied to a terminal, can also be applied to a server side, and can also 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 artificial intelligence platforms; the software can be an application that implements the insurance policy issuance method, etc., but is not limited to the above forms.

[0069] 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 electronics, 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.

[0070] Figure 1 This is an optional flow chart of the insurance policy issuance method provided in the embodiment of the present application. Figure 1 The method may include but is not limited to steps S101 to S106.

[0071] Step S101, obtaining a scanned insurance policy image of a target user;

[0072] Step S102, performing image recognition on the scanned policy image to obtain the insurance category;

[0073] Step S103, based on the insurance category, the preset initial policy entry workbench is screened to obtain a target policy entry workbench, wherein the target policy entry workbench is used to enter the scanned policy image;

[0074] Step S104, generating a target insurance policy based on the target insurance policy entry workbench and the scanned insurance policy image;

[0075] Step S105, verifying the target policy information to obtain a policy information verification result, wherein the policy information verification result is used to indicate whether the target policy information is correct or incorrect;

[0076] Step S106: Based on the policy information verification result, the target policy is insured and issued.

[0077] Steps S101 to S106 shown in the embodiment of the present application perform text recognition on the scanned policy image of the target user to clarify the insurance category of the target user's insurance policy, and then select a target policy entry workbench from the pre-constructed initial policy entry workbench based on the insurance category, for entering the policy into the scanned policy image. Furthermore, the scanned policy image is entered into the policy according to the target policy entry workbench to obtain the target policy. Next, information verification is performed on the target policy to obtain a policy information verification result indicating whether the information of the target policy is correct or incorrect. Finally, based on the policy information verification result, the target policy is insured and issued, thereby achieving insurance based on the scanned policy image of the target user. Therefore, the present application obtains the insurance category by performing image recognition on the scanned policy image of the target user, and then screens the preset initial policy entry workbench according to the insurance category to obtain the target policy entry workbench, and uses the target policy entry workbench to enter the scanned policy image to obtain the target policy, thereby realizing intelligent processing of policy entry, reducing manual participation in policy entry, and thus improving the efficiency of policy entry. Secondly, by performing information verification on the target policy to obtain the policy information verification result, the present application realizes intelligent processing of policy information verification, reducing manual participation in policy verification, and improving the efficiency of policy verification. Finally, according to the policy information verification result, the target policy is insured and issued, thereby realizing intelligent processing of insurance issuance, reducing the manual participation of users in insurance issuance, and thus improving the efficiency of insurance issuance.

[0078] In step S101 of some embodiments, the target user may be a user who is taking out insurance, and the scanned policy image may be image data generated by scanning a paper policy, wherein the paper policy may be filled out by the target user. It should be noted that in order to reduce the time taken by the target user to fill out the paper policy, the target user's identity information may be replaced by the target user's facial image. Therefore, the scanned policy image includes the target user's facial image and the policy text image, wherein the policy text image refers to the area in the scanned policy image that contains the policy text.

[0079] This application can generate a scanned policy image by scanning the paper policy filled out by the target user. It should be noted that in order to avoid errors in policy entry, policy verification and insurance issuance, the clarity of the scanned policy image needs to be ensured. When the scanned policy image is not clear enough, the paper policy should be scanned again.

[0080] In step S102 of some embodiments, the insurance category may be the type of insurance purchased by the target user, and the insurance category may be medical insurance, work-related injury insurance, pension insurance, auto insurance, and the like.

[0081] The present application can extract text from a scanned policy image by means of optical character recognition to obtain text information of the policy image, and then filter out keywords related to the type of insurance from the text information of the policy image to obtain the insurance category.

[0082] For details, see Figure 2 In some embodiments, step S102 may include but is not limited to steps S201 to S202:

[0083] Step S201, performing optical character recognition on the scanned policy image to obtain text information of the policy image;

[0084] Step S202, based on the preset insurance type keywords, the insurance policy image text information is matched with the insurance type to obtain the insurance category.

[0085] In step S201 of some embodiments, the text area in the scanned insurance policy image is located through edge detection or contour analysis to obtain the insurance policy image text area, and then the text in the insurance policy image text area is segmented to form text characters, and then the shape, angle, texture and other aspects of the text characters are extracted to obtain character features. Furthermore, the character features are matched with a pre-built character library to identify the insurance policy image text information represented by the text characters.

[0086] In step S202 of some embodiments, the insurance type keyword is a keyword database containing currently known insurance types, which is used to filter out text information containing insurance type information from the text information in the insurance policy image, thereby obtaining the insurance category. For example, the insurance policy image text information obtained by performing optical character recognition on the scanned policy image contains words such as "support", "old", "insurance", "gold", "insurance", and "protection". By matching the words such as "support", "old", "insurance", "gold", "insurance", and "protection" with pre-constructed insurance type keywords, it can be obtained that the insurance category of the scanned policy image is pension insurance.

[0087] It should be noted that if the text information of the insurance policy image contains texts of multiple insurance categories, the insurance policy image text information with the highest probability of appearing and matching the insurance type keyword is used as the insurance category in the scanned insurance policy image.

[0088] In steps S201 to S202 shown in the present embodiment, optical character recognition is performed on the scanned policy image to obtain text information of the policy image, and then the insurance type is matched with the text information of the policy image according to the insurance type keywords to obtain the insurance category, which can accurately locate the insurance type purchased by the target user, thereby improving the accuracy of policy entry.

[0089] In step S103 of some embodiments, the initial policy entry workbench is provided with a number of insurance components, which can be used for constructing insurance forms, entering insurance forms, etc. It should be noted that the initial policy entry workbench corresponds to the number of types of insurance, that is, each type of insurance has a corresponding initial policy entry workbench.

[0090] After clarifying the insurance category of the scanned policy image, this application can query the insurance category corresponding to the initial policy entry workbench, and filter out the target policy entry workbench corresponding to the insurance category of the scanned policy image from the initial policy entry workbench.

[0091] In step S104 of some embodiments, after screening out the target policy entry workbench, the target policy entry workbench can be used to generate an initial electronic policy corresponding to the insurance category of the scanned policy image, and then the information in the scanned policy image can be identified through the image information recognition method to obtain the policy information text. Finally, the target policy entry workbench can be used to enter the policy information text into the above-mentioned initial electronic policy, so that the target electronic policy can be obtained.

[0092] For details, see Figure 3 In some embodiments, step S104 may include but is not limited to steps S301 to S303:

[0093] Step S301, generating an initial electronic insurance policy based on the target insurance policy entry workbench;

[0094] Step S302, performing image information recognition on the scanned insurance policy image to obtain insurance policy information text;

[0095] Step S303, based on the policy information text and the target policy entry workbench, the initial electronic policy is entered to obtain the target electronic policy.

[0096] In step S301 of some embodiments, an initial electronic insurance policy may be generated by using a policy format pre-set in a target insurance policy entry workbench.

[0097] In step S302 of some embodiments, the insured identity information of the target user can be obtained by performing face recognition on the face image in the scanned policy image, and the basic policy information of the scanned policy image can be obtained by performing image and text recognition on the policy text image in the scanned policy image. Combined with the above-mentioned policyholder identity information and basic policy information, the policy information text of the scanned policy image can be obtained.

[0098] For details, see Figure 4 In some embodiments, step S302 may include but is not limited to steps S401 to S403:

[0099] Step S401, performing face recognition on the face image to obtain the policyholder identity information of the target user;

[0100] Step S402, performing image text recognition on the insurance policy text image to obtain basic information of the insurance policy;

[0101] Step S403, structuring the information of the insured person's identity information and the basic information of the insurance policy to obtain the insurance policy information text.

[0102] In step S401 of some embodiments, facial features are obtained by performing feature recognition on facial images, and then the facial features are compared with a pre-constructed user facial feature database to obtain the identity information of the target user corresponding to the facial features, i.e., the insured person identity information. The user facial feature database refers to a database containing the user facial features of the target user, and can be constructed by sending a facial image acquisition request to the target user when the target user first comes into contact with the company's insurance product, and receiving the facial image fed back by the target user.

[0103] In step S402 of some embodiments, the text information in the insurance policy text image may be recognized by optical character recognition or image text recognition, thereby obtaining basic information of the insurance policy.

[0104] What you need to know is that the basic information of the insurance policy usually refers to the insurance purchase time, insurance limited period, insurance claims rules, etc.

[0105] In step S403 of some embodiments, the insured identity information and the basic policy information are structured so that they are neatly arranged for easy identification, thereby improving the efficiency of policy entry.

[0106] In steps S401 to S403 shown in the present embodiment, face recognition is performed on the face image to obtain the target user's policyholder identity information, and then image and text recognition is performed on the policy text image to obtain the policy basic information. Furthermore, information structuring is performed on the policyholder identity information and the policy basic information to obtain the policy information text, which can save manual labor in extracting policy information and reduce manual participation in policy information extraction, thereby improving the efficiency of policy entry.

[0107] In step S303 of some embodiments, the above-mentioned policy information text is matched with the initial electronic policy to clarify the policy information text that needs to be filled in each blank position in the initial electronic policy. When the initial electronic policy is completed, the target electronic policy can be obtained.

[0108] In steps S301 to S303 shown in the present embodiment, an initial electronic policy is generated according to a target policy entry workbench, and then image information recognition is performed on the scanned policy image to obtain a policy information text. Furthermore, based on the policy information text and the target policy entry workbench, the initial electronic policy is entered to obtain a target electronic policy, which can reduce information filling errors caused by manual entry of policy information, increase the speed of entering policy information, and thus improve the efficiency of entering policy information.

[0109] In step S105 of some embodiments, after obtaining the target electronic insurance policy, it is also necessary to verify the data format, information consistency, etc. in the target electronic insurance policy to ensure the accuracy of the target electronic insurance policy and avoid property loss of the target user due to errors in the target electronic insurance policy.

[0110] For details, see Figure 5 In some embodiments, step S105 may include but is not limited to steps S501 to S505:

[0111] Step S501, performing data format verification on the target electronic insurance policy to obtain a format verification result, wherein the format verification result is used to indicate whether the format of the target electronic insurance policy is correct or incorrect;

[0112] Step S502, performing information consistency check on the target electronic insurance policy to obtain a consistency check result, wherein the consistency check result is used to indicate whether the information of the target electronic insurance policy is consistent or inconsistent;

[0113] Step S503, when the format check result indicates that the format of the target electronic insurance policy is correct, and the consistency check result indicates that the information of the target electronic insurance policy is consistent, a policy information check result indicating that the information of the target electronic insurance policy is correct is generated;

[0114] Step S504, when the format check result indicates that the format of the target electronic insurance policy is incorrect, or the consistency check result indicates that the information of the target electronic insurance policy is inconsistent, a policy information check result indicating that the information of the target electronic insurance policy is incorrect is generated;

[0115] Step S505, when the format check result indicates that the format of the target electronic policy is incorrect and the consistency check result indicates that the information of the target electronic policy is inconsistent, a policy information check result indicating that the information of the target electronic policy is incorrect is generated.

[0116] In step S501 and step S502 of some embodiments, in order to ensure the accuracy of the target electronic insurance policy, the policy format and information consistency of the target electronic insurance policy can be checked to obtain a format check result indicating that the format of the target electronic insurance policy is correct or incorrect, and a consistency check result indicating that the information of the target electronic insurance policy is consistent or inconsistent. It should be noted that format checking includes letter case checking, Chinese font checking, etc. Format checking can avoid the appearance of font formats that cannot be output in the target electronic insurance policy, thereby improving the accuracy of insurance policy issuance. Information consistency checking includes consistency checking of identity information before and after the policy, consistency checking of insurance purchase period, etc.

[0117] In step S503 of some embodiments, when the format check result indicates that the format of the target electronic policy is correct, and the consistency check result indicates that the information of the target electronic policy is consistent, it indicates that there are no format problems and information inconsistency problems in the target electronic policy. Therefore, a policy information verification result can be generated that indicates that the information of the target electronic policy is correct.

[0118] In step S504 and step S505 of some embodiments, when the format check result indicates that the format of the target electronic policy is incorrect, or the consistency check result indicates that the information of the target electronic policy does not satisfy either or both of the consistency conditions, it indicates that the target electronic policy contains incorrect information, which may easily cause an error in issuing the target electronic policy. Therefore, it is necessary to generate a policy information verification result indicating that the information of the target electronic policy is incorrect.

[0119] In steps S501 to S505 shown in the present embodiment, a data format check is performed on the target electronic policy to obtain a format check result, and an information consistency check is performed on the target electronic policy to obtain a consistency check result. When the format check result indicates that the format of the target electronic policy is correct and the consistency check result indicates that the information of the target electronic policy is consistent, a policy information check result is generated indicating that the information of the target electronic policy is correct. When the format check result indicates that the format of the target electronic policy is incorrect, or the consistency check result indicates that the information of the target electronic policy is inconsistent, a policy information check result is generated indicating that the information of the target electronic policy is incorrect. When the format check result indicates that the format of the target electronic policy is incorrect and the consistency check result indicates that the information of the target electronic policy is inconsistent, a policy information check result is generated indicating that the information of the target electronic policy is incorrect. This can reduce the degree of manual participation in policy verification, thereby improving the speed and efficiency of policy verification.

[0120] In step S106 of some embodiments, after the policy information verification result is generated, the target electronic policy can be processed for issuance or the target user can be informed that the target electronic policy contains information errors, and insurance error information can be generated based on the information carried in the policy information verification result.

[0121] For details, see Figure 6 In some embodiments, step S106 may include but is not limited to steps S601 to S604:

[0122] Step S601: If the policy information verification result indicates that the information of the target electronic policy is correct, the policy issuance information of the target electronic policy is screened to obtain the issuance information;

[0123] Step S602: Based on the order information, information feedback is provided to the target user to obtain target insurance information;

[0124] Step S603: If the policy information verification result indicates that the target electronic policy information is incorrect, the target electronic policy is screened for policy error information to obtain the incorrect information;

[0125] Step S604: Based on the erroneous information, information feedback is provided to the target user to obtain insurance error information.

[0126] In step S601 of some embodiments, when the policy information verification result indicates that the information of the target electronic policy is correct, the policy information can be obtained by extracting the information required for policy issuance processing in the target electronic policy. Specifically, the policy information may include insurance purchase time, insurance validity period, policyholder information, beneficiary information, etc.

[0127] In step S602 of some embodiments, the extracted policy information can be fed back to the target user by means of data transmission, thereby obtaining the target insurance information so that the user can save the policy.

[0128] In step S603 and step S604 of some embodiments, when the policy information verification result indicates that the information of the target electronic policy is incorrect, the information that generates the error is found from the target electronic policy based on the policy information verification result to obtain the erroneous information, and further, the erroneous information is sent to the target user by means of data transmission, so that the target user receives the insurance error information.

[0129] In steps S601 to S604 shown in the present embodiment, when the policy information verification result indicates that the information of the target electronic policy is correct, the policy issuance information of the target electronic policy is screened to obtain the issuance information, and based on the issuance information, information feedback is provided to the target user to obtain the target insurance information. When the policy information verification result indicates that the information of the target electronic policy is incorrect, the policy error information of the target electronic policy is screened to obtain the incorrect information, and based on the incorrect information, information feedback is provided to the target user to obtain the insurance error information, thereby reducing the possibility of erroneous policy entry, thereby improving the accuracy of insurance issuance.

[0130] It is important to know that when the target electronic insurance policy is incorrect and feedback is given to the target user, in order to ensure that an accurate electronic insurance policy can be output, it is necessary to re-record the insurance correction information of the target user after the target user has modified the insurance erroneous information, so as to realize the insurance policy for the target user.

[0131] For details, see Figure 7 In some embodiments, after step S106, the insurance policy issuance method may also include but is not limited to steps S701 to S702:

[0132] Step S701, receiving insurance correction information of the target user based on the insurance error information;

[0133] Step S702, based on the target insurance policy entry workbench, supplement the insurance policy with the insurance correction information to obtain a supplementary insurance policy.

[0134] In step S701 of some embodiments, after receiving the insurance error information fed back by the insurance platform, the target user can modify the insurance error information online to obtain insurance correction information.

[0135] In step S702 of some embodiments, the target insurance policy entry workbench may be used to replace the insurance error information with the insurance correction information to achieve the re-entry of the target electronic insurance policy, thereby obtaining the re-entered insurance policy.

[0136] In steps S701 to S702 shown in the present embodiment, the target user's insurance correction information is received based on the insurance error information, and then the insurance policy is supplemented with the insurance correction information based on the target policy entry workbench to obtain a supplemented insurance policy, thereby solving the problem that the target user needs to refill the paper policy when the insurance policy is erroneous, and improving the efficiency of insurance policy issuance.

[0137] The present application obtains the insurance category by performing image recognition on the scanned policy image of the target user, and then screens the preset initial policy entry workbench according to the insurance category to obtain the target policy entry workbench, and uses the target policy entry workbench to enter the scanned policy image to obtain the target policy, thereby realizing intelligent processing of policy entry, reducing manual participation in policy entry, and thus improving the efficiency of policy entry. Secondly, by performing information verification on the target policy to obtain the policy information verification result, the application realizes intelligent processing of policy information verification, reducing manual participation in policy verification, and improving the efficiency of policy verification. Finally, according to the policy information verification result, the target policy is insured and issued, thereby realizing intelligent processing of insurance issuance, reducing the manual participation of users in insurance issuance, and thus improving the efficiency of insurance issuance.

[0138] See also Figure 8 The embodiment of the present application also provides an insurance policy issuing device, which can implement the above-mentioned insurance policy issuing method, and the device includes:

[0139] The insurance policy image acquisition module 801 is used to acquire the scanned insurance policy image of the target user;

[0140] The insurance policy image recognition module 802 is used to perform image recognition on the scanned insurance policy image to obtain the insurance category;

[0141] The workbench screening module 803 is used to screen the preset initial policy entry workbench based on the insurance category to obtain a target policy entry workbench, wherein the target policy entry workbench is used to enter the scanned policy image;

[0142] The electronic insurance policy generating module 804 is used to input the scanned insurance policy image into the target insurance policy input workbench to obtain the target electronic insurance policy;

[0143] The electronic insurance policy verification module 805 is used to verify the information of the target electronic insurance policy and obtain the insurance policy information verification result, wherein the insurance policy information verification result is used to indicate whether the information of the target electronic insurance policy is correct or incorrect;

[0144] The electronic insurance policy issuance module 806 is used to issue insurance for the target electronic insurance policy based on the insurance policy information verification result.

[0145] The specific implementation of the insurance policy issuance device is basically the same as the specific implementation of the above-mentioned insurance policy issuance method, and will not be repeated here.

[0146] The embodiment of the present application also provides an electronic device, the electronic device includes a memory and a processor, the memory stores a computer program, and the processor implements the above-mentioned insurance policy issuance method when executing the computer program. The electronic device can be any intelligent terminal including a tablet computer, a car computer, etc.

[0147] See also Fig. 9 , Fig. 9 The hardware structure of an electronic device of another embodiment is illustrated, and the electronic device includes:

[0148] The processor 901 may be implemented by a general-purpose CPU (Central Processing Unit), a microprocessor, an application-specific integrated circuit (Application Specific Integrated Circuit, ASIC), or one or more integrated circuits, and is used to execute relevant programs to implement the technical solutions provided in the embodiments of the present application;

[0149] The memory 902 can be implemented in the form of a read-only memory (ROM), a static storage device, a dynamic storage device, or a random access memory (RAM). The memory 902 can store an operating system and other application programs. When the technical solution provided in the embodiment of this specification is implemented by software or firmware, the relevant program code is stored in the memory 902, and the processor 901 calls and executes the insurance policy issuance method of the embodiment of this application;

[0150] Input / output interface 903, used to implement information input and output;

[0151] Communication interface 904, used to realize communication interaction between the device and other devices, which can be realized by wired mode (such as USB, network cable, etc.) or wireless mode (such as mobile network, WIFI, Bluetooth, etc.);

[0152] A bus 905 that transmits information between the various components of the device (e.g., the processor 901, the memory 902, the input / output interface 903, and the communication interface 904);

[0153] The processor 901 , the memory 902 , the input / output interface 903 and the communication interface 904 are connected to each other in communication within the device via a bus 905 .

[0154] An embodiment of the present application also provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, the above-mentioned insurance policy issuance method is implemented.

[0155] The memory, as a non-transient computer-readable storage medium, can be used to store non-transient software programs and non-transient computer executable programs. In addition, the memory may include a high-speed random access memory, and may also include a non-transient memory, such as at least one disk storage device, a flash memory device, or other non-transient solid-state storage device. In some embodiments, the memory may optionally include a memory remotely disposed relative to the processor, and these remote memories may be connected to the processor via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0156] The insurance policy issuance method, insurance policy issuance device, electronic device and storage medium provided in the embodiments of the present application perform text recognition on the scanned policy image of the target user to clarify the insurance category of the target user's insurance policy, and then select a target policy entry workbench from a pre-constructed initial policy entry workbench based on the insurance category, for entering the policy into the scanned policy image; further, the scanned policy image is entered into the policy according to the target policy entry workbench to obtain the target policy; then, information verification is performed on the target policy to obtain a policy information verification result indicating whether the information of the target policy is correct or incorrect; finally, based on the policy information verification result, the target policy is insured and issued, thereby achieving insurance according to the scanned policy image of the target user.

[0157] The embodiments described in the embodiments of the present application are intended to more clearly illustrate the technical solutions of the embodiments of the present application and do not constitute a limitation on the technical solutions provided in the embodiments of the present application. Those skilled in the art will appreciate that with the evolution of technology and the emergence of new application scenarios, the technical solutions provided in the embodiments of the present application are also applicable to similar technical problems.

[0158] Those skilled in the art will appreciate that the technical solutions shown in the figures do not constitute a limitation on the embodiments of the present application, and may include more or fewer steps than shown in the figures, or a combination of certain steps, or different steps.

[0159] The device embodiments described above are merely illustrative, and the units described as separate components may or may not be physically separated, that is, they may be located in one place or distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0160] Those skilled in the art will appreciate that all or some of the steps in the methods disclosed above, and the functional modules / units in the systems and devices may be implemented as software, firmware, hardware, or a suitable combination thereof.

[0161] The terms "first", "second", "third", "fourth", etc. (if any) in the specification of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0162] It should be understood that in the present application, "at least one (item)" means one or more, and "plurality" means two or more. "And / or" is used to describe the association relationship of associated objects, indicating that three relationships may exist. For example, "A and / or B" can mean: only A exists, only B exists, and A and B exist at the same time, where A and B can be singular or plural. The character " / " generally indicates that the objects associated before and after are in an "or" relationship. "At least one of the following" or similar expressions refers to any combination of these items, including any combination of single or plural items. For example, at least one of a, b or c can mean: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", where a, b, c can be single or multiple.

[0163] In the several embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of the above units is only a logical function division. There may be other division methods in actual implementation, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. The mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or units, which can be electrical, mechanical or other forms.

[0164] The units described above as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0165] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0166] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including multiple instructions to enable a computer device (which can be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of various embodiments of the present application. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (Read-Only Memory, referred to as ROM), random access memory (Random Access Memory, referred to as RAM), disk or optical disk and other media that can store programs.

[0167] The preferred embodiments of the present invention are described above with reference to the accompanying drawings, but the scope of the rights of the present invention is not limited thereto. Any modification, equivalent substitution and improvement made by a person skilled in the art without departing from the scope and essence of the present invention should be within the scope of the rights of the present invention.

Claims

1. A method for issuing an insurance policy, characterized in that: The method comprises: Obtain the scanned insurance policy image of the target user; Performing image recognition on the scanned insurance policy image to obtain the insurance category; Based on the insurance category, the preset initial insurance policy entry workbench is screened to obtain a target insurance policy entry workbench, wherein the target insurance policy entry workbench is used to enter the insurance policy for the scanned insurance policy image; Entering the scanned policy image into the target policy entry workbench to obtain a target electronic policy; Performing information verification on the target electronic insurance policy to obtain an insurance policy information verification result, wherein the insurance policy information verification result is used to indicate whether the information of the target electronic insurance policy is correct or incorrect; Based on the insurance policy information verification result, the target electronic insurance policy is insured and issued.

2. The method according to claim 1, characterized in that The performing image recognition on the scanned insurance policy image to obtain the insurance category includes: Performing optical character recognition on the scanned policy image to obtain text information of the policy image; Based on the preset insurance type keywords, the insurance policy image text information is matched with the insurance type to obtain the insurance category.

3. The method according to claim 1, characterized in that: The step of entering the scanned policy image into the target policy entry workbench to obtain the target electronic policy includes: Generate an initial electronic insurance policy based on the target insurance policy entry workbench; Performing image information recognition on the scanned insurance policy image to obtain insurance policy information text; Based on the policy information text and the target policy entry workbench, the initial electronic policy is entered to obtain the target electronic policy.

4. The method according to claim 3, characterized in that The scanned insurance policy image includes the face image of the target user and the insurance policy text image, and the image information recognition is performed on the scanned insurance policy image to obtain the insurance policy information text, including: Performing face recognition on the face image to obtain the policyholder identity information of the target user; Performing image and text recognition on the insurance policy text image to obtain basic information of the insurance policy; The insured's identity information and the basic information of the insurance policy are processed in an information-structuring manner to obtain the insurance policy information text.

5. The method according to claim 1, characterized in that The step of issuing an insurance policy for the target electronic insurance policy based on the insurance policy information verification result includes: If the policy information verification result indicates that the information of the target electronic policy is correct, screening the policy issuance information of the target electronic policy to obtain the issuance information; Based on the order information, information feedback is provided to the target user to obtain target insurance information; If the policy information verification result indicates that the information of the target electronic policy is incorrect, screening the target electronic policy for policy error information to obtain the incorrect information; Based on the erroneous information, information feedback is provided to the target user to obtain insurance error information.

6. The method according to claim 5, characterized in that After the target electronic insurance policy is insured and issued based on the insurance policy information verification result, the method further includes: Based on the insurance error information, receiving insurance correction information of the target user; Based on the target insurance policy entry workbench, the insurance policy correction information is supplemented and the supplemented insurance policy is obtained.

7. The method according to any one of claims 1 to 6, characterized in that: The step of performing information verification on the target electronic insurance policy to obtain an insurance policy information verification result includes: Performing data format verification on the target electronic insurance policy to obtain a format verification result, wherein the format verification result is used to indicate whether the format of the target electronic insurance policy is correct or incorrect; Performing an information consistency check on the target electronic insurance policy to obtain a consistency check result, wherein the consistency check result is used to indicate whether the information of the target electronic insurance policy is consistent or inconsistent; When the format check result indicates that the format of the target electronic insurance policy is correct, and the consistency check result indicates that the information of the target electronic insurance policy is consistent, a policy information check result indicating that the information of the target electronic insurance policy is correct is generated; When the format check result indicates that the format of the target electronic insurance policy is incorrect, or the consistency check result indicates that the information of the target electronic insurance policy is inconsistent, generating a policy information check result indicating that the information of the target electronic insurance policy is incorrect; When the format check result indicates that the format of the target electronic policy is incorrect, and the consistency check result indicates that the information of the target electronic policy is inconsistent, a policy information check result indicating that the information of the target electronic policy is incorrect is generated.

8. An insurance policy issuing device, characterized in that: The device comprises: The insurance policy image acquisition module is used to acquire the scanned insurance policy image of the target user; An insurance policy image recognition module, used to perform image recognition on the scanned insurance policy image to obtain the insurance category; A workbench screening module, used for screening the preset initial policy entry workbench based on the insurance category to obtain a target policy entry workbench, wherein the target policy entry workbench is used for entering the policy for the scanned policy image; An electronic insurance policy generating module, used to input the scanned insurance policy image based on the target insurance policy input workbench to obtain a target electronic insurance policy; An electronic insurance policy verification module, used to verify the information of the target electronic insurance policy and obtain an insurance policy information verification result, wherein the insurance policy information verification result is used to indicate whether the information of the target electronic insurance policy is correct or incorrect; The electronic insurance policy issuance module is used to issue insurance for the target electronic insurance policy based on the insurance policy information verification result.

9. An electronic device, characterized in that: The electronic device includes a memory and a processor, the memory stores a computer program, and the processor implements the insurance policy issuance 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 policy issuance method described in any one of claims 1 to 7 is implemented.

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