Looking for breakthrough ideas for innovation challenges? Try Patsnap Eureka!

Extensible commercial insurance intelligent service all-in-one machine and method based on cloud service

A technology of intelligent service and service method, which is applied in the field of cloud-based scalable business insurance intelligent service all-in-one machine, which can solve the problems of increasing the workload of insurance companies and increasing troubles for users, so as to reduce workload, reduce troubles, and ensure authenticity Effect

Pending Publication Date: 2022-04-08
上海保链科技有限公司
View PDF0 Cites 0 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

On the one hand, this method requires the user to manually enter the documents, which adds trouble to the user; on the other hand, the insurance company needs to confirm the authenticity of the documents, which also increases the workload of the insurance company.

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Extensible commercial insurance intelligent service all-in-one machine and method based on cloud service
  • Extensible commercial insurance intelligent service all-in-one machine and method based on cloud service
  • Extensible commercial insurance intelligent service all-in-one machine and method based on cloud service

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0052] In view of the problems mentioned above in the background technology, this embodiment 1 provides a cloud service-based scalable business insurance intelligent service method, figure 1 It is a block flow diagram of a cloud service-based extensible commercial insurance intelligent service method provided by an embodiment of the present invention, such as figure 1 As shown, the service method generally includes the following steps:

[0053] S10: Obtain user identity information, and verify the user identity information;

[0054] The identification of user identity information can be completed by obtaining ID card information through a card reader, obtaining face information through a face recognizer, identifying fingerprint information through a fingerprint recognizer, recognizing iris information through an iris recognizer, or passing a mobile phone SMS verification code. Of course, ID card information, face information, fingerprint information and iris information can a...

Embodiment 2

[0080] The cloud-based scalable commercial insurance intelligent service method provided by this application can not only provide users with claim settlement services, but also provide health assessment services, figure 2 It is a block flow diagram of a cloud service-based scalable commercial insurance intelligent service method provided by another embodiment of the present invention, such as figure 2 As shown, specifically, if the service type requested by the user is a health assessment service, after extracting the historical medical information corresponding to the user preset at the hospital according to the user identity information, the service method further includes:

[0081] S21: Obtain the biometric information of the user;

[0082] Wherein, the biometric information includes at least one of height, weight, heart rate, body fat, blood pressure, and voice.

[0083] S31: Input both the biometric information and the historical visit information into a preset medical...

Embodiment 3

[0087] In addition to the above-mentioned claim settlement service and health assessment service, the cloud service-based scalable commercial insurance intelligent service method provided by this application can also provide users with insurance recommendation services. Specifically, if the service type requested by the user is an insurance recommendation service, After inputting both the biometric information and the historical visit information into the preset medical model and the preset rule engine to obtain the corresponding health assessment results of the user, the service method further includes:

[0088] Recommendations for insurance products are made according to the health assessment results and the historical medical information.

[0089] Through the collection of biometric information, more complete user physiological information can be mastered, and more refined insurance product recommendations can be made. Specifically, for users with good health conditions, reg...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

Abstract

The invention discloses an extensible commercial insurance intelligent service all-in-one machine and method based on cloud service, and relates to the technical field of insurance service. The service method comprises the following steps: acquiring user identity information, and verifying the user identity information; if the user identity information passes verification, obtaining a service type of the user request; if the service type of the user request is a claim settlement service, extracting historical doctor seeing information which is preset at a hospital end and corresponds to the user according to the user identity information; obtaining a health risk corresponding to the user according to the historical doctor seeing information and a preset algorithm model, and judging whether automatic claim settlement can be performed according to the health risk; and if automatic claim settlement can be carried out, calculating a claim amount according to a claim settlement rule corresponding to the user, and carrying out claim settlement according to the claim amount. According to the invention, user troubles can be reduced and the workload of insurance companies can be reduced.

Description

technical field [0001] The present invention relates to the technical field of insurance services, in particular to a cloud service-based extensible commercial insurance intelligent service all-in-one machine and method. Background technique [0002] There are two existing commercial insurance payment methods: offline payment and online payment. In recent years, with the development of the Internet, online payment has gradually become the mainstream payment method. A common online payment method is: the user enters the documents required for claim settlement on the terminal (mobile phone or computer), and the insurance company will review it after receiving it, and determine whether to pay and the amount of compensation based on the review results. On the one hand, this method requires the user to manually input the documents, which adds trouble to the user; on the other hand, the insurance company needs to confirm the authenticity of the documents, which also increases the ...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/08G16H50/30
Inventor 龚快快
Owner 上海保链科技有限公司
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Patsnap Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Patsnap Eureka Blog
Learn More
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic, Popular Technical Reports.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap|About US| Contact US: help@patsnap.com