WO2019100613A1 - Procédé et appareil de signature de police d'assurance électronique, dispositif informatique et support de stockage - Google Patents

Procédé et appareil de signature de police d'assurance électronique, dispositif informatique et support de stockage Download PDF

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Publication number
WO2019100613A1
WO2019100613A1 PCT/CN2018/076864 CN2018076864W WO2019100613A1 WO 2019100613 A1 WO2019100613 A1 WO 2019100613A1 CN 2018076864 W CN2018076864 W CN 2018076864W WO 2019100613 A1 WO2019100613 A1 WO 2019100613A1
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signature
character
policy
electronic
information
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Chinese (zh)
Inventor
周凡
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Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management

Definitions

  • the present application relates to the field of computer technology, and in particular, to an electronic policy signing method, device, computer device, and storage medium.
  • the insurance company has a large business volume. If all the insurance products are delivered to the customer by means of a paper policy, the cost of the policy is too high, and a large amount of paper documents will be wasted. Therefore, insurance companies provide insurance products with shorter insurance periods by electronic stamps and electronic seals. At this stage, due to the different stamp positions of different policy types, the number of policies is huge, and the policies are updated irregularly. As a result, the electronic signatures are often mixed and the signatures are incorrectly stamped, resulting in electronic signatures. The signing work has a high rework rate and low efficiency.
  • an electronic policy billing method, apparatus, computer device, and storage medium are provided.
  • An electronic policy signing method includes the following steps:
  • Obtaining a signature information table and searching, from the signature information table, a first signature identifier, a signature location information, a location check character, and a character extraction domain location information corresponding to the policy sample identifier;
  • An electronic policy billing device comprising:
  • the request receiving module is configured to receive a policy add-on request sent by the terminal and an electronic policy to be processed, where the policy add-on request carries the policy sample identifier;
  • An information search module configured to obtain a signature information table, and search for, from the signature information table, a first signature identifier, a signature location information, a location check character, and a character extraction domain location corresponding to the policy sample identifier. information;
  • a character extraction module configured to extract a first character from a corresponding position in the to-be-processed electronic policy according to the character extraction domain location information
  • a character comparison module configured to compare the first character with the position check character
  • a signing module configured to acquire an electronic signature corresponding to the first signature identifier when the first character is consistent with the location check character, and to use the electronic signature according to the signature location information The signature is stamped at the signature position of the pending electronic policy.
  • a server comprising a memory and a processor, the memory storing computer readable instructions, the computer readable instructions being executed by the processor such that the processor performs the following steps:
  • Obtaining a signature information table and searching, from the signature information table, a first signature identifier, a signature location information, a location check character, and a character extraction domain location information corresponding to the policy sample identifier;
  • One or more computer non-transitory readable storage mediums storing computer readable instructions, when executed by one or more processors, cause one or more processors to perform the steps of:
  • Obtaining a signature information table and searching, from the signature information table, a first signature identifier, a signature location information, a location check character, and a character extraction domain location information corresponding to the policy sample identifier;
  • FIG. 1 is an application environment diagram of an electronic policy billing method in an embodiment
  • FIG. 2 is a flow chart of a method for an electronic policy signing method in an embodiment
  • FIG. 3 is a flow chart of a method for an electronic policy billing method in another embodiment
  • FIG. 4 is a flowchart of a method for adding a signature information in an electronic policy billing method in an embodiment
  • FIG. 5 is a schematic structural diagram of an electronic policy billing device in an embodiment
  • FIG. 6 is a schematic diagram showing the internal structure of a computer device in an embodiment.
  • the electronic policy billing method provided in the embodiment of the present application can be applied to an application environment as shown in FIG. 1.
  • the server 102 and the terminal 104 are connected through a network.
  • the number of terminals 104 may be multiple.
  • the server 102 receives the policy plus signing request and the pending electronic policy sent by the terminal 104, and the server 102 searches for the corresponding first signature, signature location information, and location check according to the policy sample identifier carried in the received policy issuance request.
  • the character and the character extract the domain location information, and extract the first character from the to-be-processed electronic policy according to the character extraction domain location, and then process the electronic policy for the signature process when the extracted first character is consistent with the location check character.
  • the server 102 returns the electronic policy that has undergone the signing process to the terminal 104.
  • an electronic policy billing method is provided.
  • the method is applied to a server as an example, and specifically includes the following steps:
  • Step 210 Receive a policy ticketing request sent by the terminal and an electronic policy to be processed, and the policy ticketing request carries the policy sample identifier.
  • the terminal may be a terminal device of a printing system of an insurance company, a subsidiary company of an insurance company, a branch office, or a sales point.
  • the electronic policy generated by the printing system also needs to be stamped with an electronic signature to take effect.
  • the printing system terminal can collectively send the electronic policy to be signed and processed in a period of time to the server, and the server performs unified processing for the signing. For example, the terminal can periodically send a policy add-on request and a pending electronic policy to the server.
  • the terminal may also preset a policy quantity threshold. When the generated electronic policy quantity reaches the preset policy quantity threshold, the terminal sends a policy add-on request to the server.
  • the terminal may also send the electronic policy with higher priority to the server for the additional processing according to the processing priority of the electronic policy.
  • the terminal sends a pending electronic policy and a policy-adding request to the server, and the policy-adding request carries the policy sample identifier, and the policy-adding request may also carry the policy code of the pending electronic policy, wherein the policy sample identifier and the sent pending policy
  • the policy codes of the electronic policy correspond one-to-one.
  • the terminal when the terminal generates the electronic policy, the terminal searches for the insurance product identifier to which the electronic policy belongs, and then searches for the policy sample identifier corresponding to the electronic policy according to the insurance product identifier, and sends a policy sample request to the server when the policy is added to the server.
  • the identification is sent in association with the policy code of the electronic policy.
  • the policy sample identification is used to uniquely determine the policy sample of the electronic policy.
  • An insurance product or the same insurance product may correspond to a policy sample. It should be noted that when the same insurance product is sold by different agencies and branches, Due to the different signature information of each institution, the insurance policy samples of the same kind of insurance products of different institutions may also be different.
  • One insurance product or the same insurance product may correspond to one policy sample, which may correspond to multiple policy samples, but
  • the policy sample identification contains insurance product information and sales channel information, and the policy sample identification can uniquely determine the policy sample of the electronic policy.
  • the policy sample is a standard template for the electronic policy to be signed. The signature of the electronic policy and the exact signature position need to be consistent with the corresponding policy sample.
  • the server After receiving the pending electronic policy and policy add-on request sent by the terminal, the server obtains the policy sample identifier corresponding to each pending electronic policy from the policy-adding request, and treats the electronic policy one by one to perform the additional processing.
  • Step 220 Obtain a signature information table, and search for the first signature identifier, the signature location information, the location check character, and the character extraction domain location information corresponding to the policy sample identifier from the signature information table.
  • the server obtains a pre-stored signature information table.
  • the signature information table stores the signature information of each insurance product or electronic insurance policy of each insurance product currently sold by each institution.
  • the signature information may include a first signature identifier, a signature location information, a location verification character, and a character extraction domain location information, and the signature information has a one-to-one correspondence with the policy sample identifier.
  • the first signature is used to uniquely identify the electronic signature, and different insurance products of different sales organizations or different types of insurance products may use different electronic signatures.
  • the server can find the electronic signature corresponding to the electronic policy to be processed according to the first signature.
  • the "first” in the “first signature identification” here is to distinguish it from the "second” in the “second signature identification” below, and the second signature in the following is
  • the signature information carried in the signature information addition request not the signature of the insurance product already stored in the signature information table, but the "first signature identification” and the "second signature identification” are essentially It is intended to be used to uniquely identify an electronic signature.
  • the signature location information is the location information of the electronic signature that needs to be affixed to the specific location on the electronic policy, and may include the page number information of the electronic policy to be stamped, and the specific location coordinates of the electronic signature on the page where the electronic signature is stamped.
  • the specific position coordinate may be the coordinate of the center position of the electronic signature, or the coordinate set of the edge boundary of the electronic coordinate, or the coordinate set where the entire electronic signature is located, and the like.
  • the location check character is a character to be checked for the position of the electronic policy to be processed
  • the character extraction domain location information may be the coordinate of the location check character
  • the server may extract the domain location information from the to-be-processed electronic policy.
  • the position check character is output.
  • the location check character and the corresponding character extraction domain location information are stored in the server in advance, and the server extracts the character from the to-be-processed electronic policy according to the character extraction domain location information, and determines the extraction. Whether the character is consistent with the position check character, and whether the electronic policy has been updated, or whether the searched policy sample is consistent with the electronic policy.
  • the location check character may be a signature character stamped with an electronic signature, such as one or more characters in the body of the electronic policy that are covered by the electronic signature or that coincide with the electronic signature.
  • the coordinate data corresponding to the falling character is the character extraction domain position information.
  • the location check character may also be a character having a certain correspondence with the electronic signature position, and is not limited to the payment character described in this embodiment.
  • Step 230 Extract the first character from the corresponding position in the electronic policy to be processed according to the character extraction domain location information.
  • the server finds the signature information corresponding to the policy sample identifier from the signature information table, the first character is extracted from the position corresponding to the character extraction domain location information in the electronic policy to be processed.
  • the “first” here is for distinguishing from the position check character, and does not particularly mean meaning.
  • Step 240 comparing the first character with the position check character.
  • the server compares the location check characters corresponding to the policy sample identifier extracted according to the character extraction domain location information, and determines whether the first character and the location check character are the same.
  • Step 250 When the first character is consistent with the location check character, obtain an electronic signature corresponding to the first signature identifier, and stamp the electronic signature on the signature position of the electronic policy to be processed according to the signature location information. .
  • the server determines that the first character is consistent with the location check character
  • the server searches for the corresponding electronic signature according to the first signature identifier, and the server invokes the found electronic signature to stamp the electronic signature on the electronic to be processed.
  • the electronic policy that has been signed can be returned to the corresponding terminal in batches. The policy with higher priority will be processed and returned to the terminal according to the processing priority of the electronic policy.
  • a character verification failure prompt is generated, and the character verification failure prompt is returned to the corresponding terminal.
  • the policy code of the electronic policy for the specific verification failure may be indicated, and the prompt content may be, for example, "the signature of the T25903454 policy fails to be verified, please confirm whether the electronic policy has been updated" or the like.
  • the terminal checks and compares the policy sample corresponding to the policy sample identification with the electronic policy to determine whether the policy sample needs to be updated.
  • the server stores the information such as the signature identification, the signature position information, the position check character, and the character extraction domain location information of each policy sample in the signature information table in advance, and receives the policy sent by the terminal.
  • the character extraction domain location information corresponding to the policy sample identifier in the signature information table is searched, and the first character is extracted from the to-be-processed electronic policy according to the character extraction domain location information, and the first character and the pre-existing signature are obtained.
  • the position check characters in the information table are compared, and the check operation is performed when the two characters match. Therefore, the automatic verification of the position check character ensures the accuracy of the signing position, can avoid erroneous operations, and can improve the work efficiency of the signing work.
  • the foregoing electronic policy signing method may further include:
  • Step 245 When the first character is inconsistent with the location check character, send a policy sample acquisition instruction carrying the policy sample identifier to the policy platform server.
  • the server When the server determines that the first character is inconsistent with the location check character, the server sends a policy sample acquisition instruction to the policy platform server, and the policy sample acquisition instruction carries the policy sample identifier of the to-be-processed electronic policy that fails the character verification.
  • the Policy Platform Server manages the policy samples of all electronic policies, including the management of multiple updated versions of a single policy sample. Multiple updated versions of a policy sample can have different version numbers.
  • the policy platform server finds the latest version of the policy sample corresponding to the policy sample identifier and returns the latest version of the policy sample to the server.
  • Step 255 Receive a policy sample corresponding to the policy sample identifier returned by the policy platform server.
  • the server receives the policy sample corresponding to the policy sample identifier returned by the policy platform server.
  • the signature information table may also store version information of the policy sample, such as a version number, etc.
  • the server obtains the version number of the returned policy sample, and compares the obtained version number with the version number in the signature information table. To determine whether the two version numbers are consistent. When the two version numbers are inconsistent, it indicates that the policy sample has been updated and the information in the signature information table has not been updated in time. When the server determines that the two version numbers are the same, it indicates that there are other abnormal problems in the process, and generates a process abnormality result prompt and returns to the terminal that sends the policy tagging request.
  • Step 265 Acquire an electronic signature corresponding to the first signature identifier, identify the seal image in the policy sample according to the electronic signature, and obtain the position coordinates of the seal image.
  • the server obtains an electronic signature corresponding to the first signature identifier, performs image recognition on the policy sample according to the signature image of the electronic signature, and identifies and signatures the image from the policy sample.
  • the uniform seal image, the seal image is the image of the electronic signature stamped on the policy sample, and the server obtains the position coordinates of the recognized seal image.
  • the server can only obtain the coordinates of the pixel points at the edge of the seal image, the server can also obtain the coordinates of all the pixels in the seal image, and the server can also obtain the coordinates of the feature pixel points in the seal image.
  • the electronic signature stamped in different versions of the policy sample remains unchanged, but if the policy signature is updated when the policy sample is updated, the policy platform server is in the process. When the server returns the policy sample, it also sends the updated signature to the server. When the server receives the signature without storage, the server also updates the pre-stored electronic signature.
  • the specific image recognition process may adopt an identification algorithm based on the shape feature of the seal image, or an identification algorithm based on the color feature of the seal image, and an identification algorithm based on the texture feature of the seal image.
  • the method for image recognition in this embodiment is not To be limited, the server can also identify the seal image using other image recognition algorithms.
  • Step 275 affix an electronic signature to the corresponding position of the positional coordinate in the electronic policy to be processed.
  • the acquired electronic signature corresponding to the first signature is stamped at the position corresponding to the position coordinate in the electronic policy to be processed.
  • the updated policy sample may be obtained from the policy platform server, and the location coordinates of the seal image in the updated policy sample are automatically identified, according to the identified location.
  • the coordinates of the electronic policy to be processed are added, so that the electronic policy for failing the character verification can be automatically processed, which saves manual operations and improves efficiency.
  • the method further includes: calculating the position check character position coordinate according to the position coordinate of the seal image; The second character is extracted from the corresponding position of the position verification character position coordinate of the sample; the corresponding signature position information in the signature information table is updated according to the position coordinate of the seal image, and the signature information table is determined according to the position verification character position coordinate The corresponding character extraction domain location information is updated, and the location check character corresponding to the signature information table is updated according to the second character.
  • the position coordinates of the seal image have a certain relationship with the position coordinates of the position check character, for example, the position coordinate of the position position of the position check character coincides with the position coordinate of the center position of the seal image, or two center positions.
  • the position coordinate has a fixed distance length, or the position coordinate of a pixel on the stamp image coincides with the position coordinate of the position check character, or has a fixed distance length, etc., and the embodiment does not have a position coordinate between the two positions.
  • the existing positional relationship is limited.
  • the server can calculate the position check character position coordinates according to the position coordinates of the seal image and the positional relationship between the seal image and the position check character.
  • the server extracts the second character from the corresponding position of the policy sample according to the calculated position check character position coordinate, and the extracted second character is the position check character after the policy sample is updated.
  • the server updates the signature position information in the signature information table corresponding to the policy sample identifier of the electronic policy for failing the character verification, and updates the corresponding signature position information in the signature information table to the position coordinates of the recognized seal image.
  • the corresponding character extraction domain position information is updated to the calculated position check character position coordinates, the corresponding position check character is updated to the extracted second character, and the updated signature information table is saved.
  • the server automatically acquires and recognizes the position coordinates of the seal image of the updated policy sample, and also according to the position coordinates of the seal image and the position of the position check character.
  • the positional relationship of the coordinates automatically extracts the updated position check character, and updates the corresponding signature information in the signature information table according to the above identification and extraction results, so that the signature information of the policy sample can be updated in time to ensure subsequent signing The fluency of work.
  • the above electronic policy signing method further includes the following steps of adding signature information:
  • Step 280 Receive a signature information addition request sent by the policy platform server, and the signature information addition request carries the new policy sample and the second signature identifier.
  • the policy platform server When the policy platform server adds a new policy sample, the policy platform server saves the new policy sample and records the policy sample information, and the policy platform server sends a signature information addition request to the server, and the signature information addition request carries There is a new policy sample and a second signature identifier corresponding to the electronic signature in the new policy sample.
  • the server receives the signature information addition request sent by the policy platform server.
  • Step 282 Find an electronic signature corresponding to the second signature identifier.
  • the server reads the second signature identifier from the received signature information addition request, and the server locally searches for the electronic signature corresponding to the second signature identifier.
  • the server when the server does not find the electronic signature corresponding to the second signature identifier, the electronic signature in the new policy sample is added an electronic signature, and the server adds the requested service according to the signature information.
  • the information acquires a new electronic signature corresponding to the second signature identifier to the corresponding service terminal, so as to update the locally stored electronic signature.
  • Step 284 Identify the seal image in the new policy sample and obtain the seal position information of the seal image according to the electronic signature corresponding to the second signature.
  • the server identifies the seal image from the received new policy sample according to the found signature image of the electronic signature corresponding to the second signature, and obtains the seal location information of the seal image.
  • the signature position information of the seal image may be the coordinates of the pixel points at the edge of the seal image, or the coordinates of all the pixel points in the seal image, and may also be the coordinates of the feature pixel points in the seal image, which is not particularly limited herein. .
  • For the method for identifying the specific seal image refer to the embodiment described in the foregoing embodiment, and details are not described herein again.
  • Step 286 Acquire the character extraction domain location information according to the signature location information of the seal image, and extract the new location verification character from the corresponding location of the character extraction domain location information of the newly added policy sample.
  • the coordinate position of the seal image has a specific positional relationship with the coordinate position of the position check character.
  • the seal image and the position check character in all the policy samples may adopt the same positional relationship, the server acquires the pre-stored positional relationship, and calculates the position verification according to the position coordinates in the signature position information of the seal image.
  • the position coordinates of the character may adopt different positional relationships, the signature information addition request carries the position relationship data, and the server reads the position relationship data from the signature information addition request. And the position coordinates of the position check character are calculated according to the position coordinates of the seal image.
  • the character is extracted from the corresponding position of the newly added policy sample according to the position coordinate as the position check character of the new policy sample.
  • Step 288 Add the sample identifier, the second signature identifier, the signature location information, the character extraction domain location information, and the newly added location verification character of the newly added policy sample to the signature information table.
  • the server will receive the sample identification of the newly added policy sample, the second signature of the signature, and the identified signature location information, and the calculated character extraction domain location information and the extracted new location verification character are added to the signature.
  • the chapter information table updates the signature information table.
  • the server when the policy sample managed in the policy platform server is updated, the newly added policy sample and signature information are pushed to the server, and the server automatically identifies the location information of the seal image from the newly added policy sample, according to the seal.
  • the position information of the image and the preset positional relationship obtain the position information of the position check character, and extract the newly added position check character, and update the signature information of the newly added policy sample to the signature information table, so that the signature information is obtained.
  • the table can store the latest policy sample information in a timely manner.
  • the step of acquiring the character extraction domain location information according to the signature location information of the seal image, and extracting the new location verification character from the corresponding location of the character extraction domain location information of the new policy sample includes: obtaining the seal The center position coordinate of the image; the character extraction domain size corresponding to the second signature is searched; after the center position coordinate is used as the center position coordinate of the character extraction domain, the character extraction domain position information is calculated according to the center position coordinate and the character extraction domain size; The newly added position check character is extracted from the corresponding position of the character extraction domain location information of the newly added policy sample.
  • the server when calculating the position information of the character extraction field, the server reads the center position coordinates of the seal image from the signature position information of the seal image.
  • the size of the character extraction field of the corresponding position check character of the same electronic signature is fixed, and the correspondence between the signature of the electronic signature and the character extraction domain is pre-stored in the server.
  • the server searches for the corresponding character extraction domain size according to the second signature identifier.
  • the character extraction domain size is the long and high pixel size of the position check character extraction field.
  • the character extraction domain size may be 10 ⁇ 5 pixels, 8 ⁇ 4 pixels, and the like.
  • the server reads the center position coordinate of the seal image as the center position coordinate of the character extraction domain, and calculates the coordinate range of the entire character extraction field in the electronic policy according to the character extraction domain size.
  • the server determines the character extraction field in the newly added electronic policy according to the calculated coordinate range, and recognizes the characters in the character extraction domain.
  • the character recognition algorithm may employ a template matching algorithm, a neural network training algorithm, or the like. The server will recognize the recognized character as the position check character of the newly added sample.
  • the step of adding the signature information in the electronic policy signing method includes: receiving a signature information addition request sent by the policy platform server, and the signature information adding request carries the new policy sample and the second signature identifier. Finding the electronic signature image and the position verification character image corresponding to the second signature identifier; identifying the seal image and the position verification character in the new policy sample according to the electronic signature image and the position verification character image, and obtaining the seal.
  • the signature position information of the image and the character extraction domain location information of the position check character; the sample identifier of the new policy sample, the second signature of the seal, the signature position information of the seal image, and the character extraction domain position of the position check character are added.
  • the information association is added to the signature information table.
  • the difference between the signature and the step of adding the signature information in the above embodiment is that the positional relationship between the seal image and the position check character is fixed, but the character content of the position check character is based on each new policy. The specific content is extracted. However, in this embodiment, the character content of the position check character is fixed, and the position check character is unique in the policy sample, and the position check character does not have a fixed positional relationship with the seal image.
  • the identification area of the position check character is preset, and the server identifies the position check character in the identification area.
  • the electronic signature, the electronic signature image, and the position check character image are stored in advance in the server.
  • the server finds the corresponding electronic signature image and the position verification character image according to the received second signature identifier, and recognizes the seal image and the location from the newly added electronic policy according to the found electronic signature image and the position verification character image. Check the character to obtain the position information of the recognized seal image and position check character.
  • the specific steps of identifying the seal image and the position check character include converting the new electronic policy from a pdf format to a picture format, such as a jpg image format.
  • the server acquires the RGB pixel values of the four corner maps of the position check character image and all the pixel values, and acquires the RGB pixel values of the four corner maps of the electronic signature image and all the pixel values.
  • the server obtains the length and width size data of the newly added electronic policy in the picture format, and acquires the length and width size data of the electronic signature image and the position verification character image.
  • the server traverses the newly added electronic policy picture according to the preset data size according to the size data of the electronic signature image, for example, gradually shifts from the origin (0, 0) to the right by 1 pixel step, and moves to the edge of the image, and then Move down one pixel step, move down and then move to the left.
  • the server obtains the RGB pixel values of the four corner maps of the newly added electronic policy image, and compares them with the RGB pixel values of the four corner maps of the electronic signature image. If they are the same, further comparison is performed to map the range. All the points in the inside are compared with all the pixel values of the electronic signature image, and if all are identical, the coordinate data of the mapping range is acquired as the signature position information of the stamp image. If the comparison results are inconsistent, continue traversing until the mapped image with the exact same pixel value is found. After the server recognizes the electronic signature image, the position check character image is identified by the same algorithm as described above. Among them, the comparison between pixels can be compared by the RGB value of each pixel obtained by the BufferedImage object.
  • FIG. 2 is a schematic flow chart of a method according to an embodiment of the present application. It should be understood that although the various steps in the flowchart of FIG. 2 are sequentially displayed as indicated by the arrows, these steps are not necessarily performed in the order indicated by the arrows. Except as explicitly stated herein, the execution of these steps is not strictly limited, and may be performed in other sequences. Moreover, at least some of the steps in FIG. 2 may include a plurality of sub-steps or stages, which are not necessarily performed at the same time, but may be executed at different times, and the order of execution thereof is not necessarily This may be performed in sequence, but may be performed alternately or alternately with other steps or at least a portion of the sub-steps or stages of the other steps.
  • FIG. 5 is a schematic diagram of an electronic policy billing device according to an embodiment.
  • the device includes:
  • the request receiving module 510 is configured to receive the policy plus signing request and the pending electronic policy sent by the terminal, and the policy ticketing request carries the policy sample identifier.
  • the information search module 520 is configured to obtain the signature information table, and search for the first signature identifier, the signature location information, the location check character, and the character extraction domain location information corresponding to the policy sample identifier from the signature information table.
  • the character extraction module 530 is configured to extract the first character from the corresponding position in the electronic policy to be processed according to the character extraction domain location information.
  • the character comparison module 540 is configured to compare the first character with the position check character.
  • the tagging module 550 is configured to acquire an electronic signature corresponding to the first signature identifier when the first character is consistent with the location verification character, and stamp the electronic signature on the electronic security policy to be processed according to the signature location information The location of the signature.
  • the device may further include:
  • the instruction sending module is configured to send, to the policy platform server, a policy sample obtaining instruction that carries the policy sample identifier when the first character is inconsistent with the location check character.
  • the sample receiving module is configured to receive a policy sample corresponding to the policy sample identifier returned by the policy platform server.
  • the seal identification module is configured to obtain an electronic signature corresponding to the first signature identifier, identify the seal image in the policy sample according to the electronic signature, and obtain a position coordinate of the seal image.
  • the signing module is configured to stamp an electronic signature at a corresponding position of the electronic policy to be processed and the position coordinates.
  • the device may further include:
  • the coordinate calculation module is configured to calculate the position check character position coordinates according to the position coordinates of the seal image.
  • the second character extraction module is configured to extract the second character from the position corresponding to the position check character position coordinate of the policy sample.
  • the information updating module is configured to update the corresponding signature position information in the signature information table according to the position coordinate of the seal image, and update the corresponding character extraction domain position information in the signature information table according to the position verification character position coordinate, The position check character corresponding to the signature information table is updated according to the second character.
  • the device may further include:
  • the request receiving module is configured to receive a signature information addition request sent by the policy platform server, and the signature information addition request carries the new policy sample and the second signature identifier.
  • the signature search module is configured to find an electronic signature corresponding to the second signature.
  • the signature location obtaining module is configured to identify the seal image in the newly added policy sample and obtain the signature position information of the seal image according to the electronic signature corresponding to the second signature identifier.
  • a character extraction module is newly added, which is configured to obtain the location information of the character extraction domain according to the signature position information of the seal image, and extract the new location verification character from the corresponding position of the character extraction domain location information of the newly added policy sample.
  • a new information adding module is used to add the sample identifier, the second signature identifier, the signature location information, the character extraction domain location information, and the newly added location verification character of the newly added policy sample to the signature information table.
  • the newly added character extraction module may specifically include:
  • the central coordinate acquisition module is configured to acquire coordinates of a center position of the seal image.
  • the domain size search module is configured to search for a character extraction domain size corresponding to the second signature identifier.
  • the extraction domain location calculation module is configured to calculate the character extraction domain location information according to the central location coordinate and the character extraction domain size, after the central location coordinate is used as the central location coordinate of the character extraction domain.
  • an extracting module configured to extract a new location check character from a position corresponding to the character extraction domain location information of the newly added policy sample.
  • the device may further include:
  • the request receiving module is configured to receive a signature information addition request sent by the policy platform server, and the signature information addition request carries the new policy sample and the second signature identifier.
  • the image search module is configured to search for an electronic signature image and a position check character image corresponding to the second signature.
  • the image recognition module is configured to identify the seal image and the position check character in the newly added policy sample according to the electronic signature image and the position check character image, and obtain the seal position information of the seal image and the character extraction of the position check character Domain location information.
  • a new information adding module is configured to add the sample identifier of the new policy sample, the second signature identifier, the signature location information of the seal image, and the character extraction domain location information of the location check character to the signature information table.
  • Each of the above electronic policy billing devices may be implemented in whole or in part by software, hardware, and combinations thereof.
  • Each of the above modules may be embedded in or independent of the processor in the computer device, or may be stored in a memory in the computer device in a software form, so that the processor invokes the operations corresponding to the above modules.
  • the processor can be a central processing unit (CPU), a microprocessor, a microcontroller, or the like.
  • the above electronic policy billing device can be implemented in the form of a computer readable instruction.
  • a computer device which may be a server or a terminal.
  • the computer device includes a processor, memory, and network interface coupled by a system bus.
  • the processor of the computer device is used to provide computing and control capabilities.
  • the memory of the computer device includes a non-volatile storage medium, an internal memory.
  • the non-volatile storage medium stores an operating system and a computer program.
  • the internal memory provides an environment for operation of an operating system and computer programs in a non-volatile storage medium.
  • the network interface of the computer device is used to communicate with an external terminal via a network connection.
  • the computer program is executed by the processor to implement an electronic policy signing method.
  • FIG. 6 is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation of the computer device to which the solution of the present application is applied.
  • the specific computer device may It includes more or fewer components than those shown in the figures, or some components are combined, or have different component arrangements.
  • the processor when the processor executes the computer readable instructions, the following steps may be performed: receiving the policy plus signing request sent by the terminal and the pending electronic policy, and the policy ticketing request carrying the policy sample identifier; taking the signature information table, The first signature identifier, the signature location information, the location check character, and the character extraction domain location information corresponding to the policy sample identifier are searched in the signature information table; and the corresponding location in the electronic policy to be processed is extracted according to the character extraction domain location information.
  • the first character the first character is compared with the position check character; when the first character is consistent with the position check character, the electronic signature corresponding to the first signature is acquired, and the electronic is determined according to the signature position information
  • the signature is stamped at the signature of the pending electronic policy.
  • one or more computer readable non-volatile storage media having computer readable instructions, when executed by one or more processors, causing one or more processors Perform the following steps: receiving the policy add-on request sent by the terminal and the pending electronic policy, the policy ticketing request carries the policy sample identifier; taking the signature information table, and searching for the first signature corresponding to the policy sample identifier from the signature information table Chapter identification, signature location information, location check character and character extraction domain location information; extracting the first character from the corresponding position in the to-be-processed electronic policy according to the character extraction domain location information; comparing the first character with the location check character When the first character is consistent with the position check character, the electronic signature corresponding to the first signature is obtained, and the electronic signature is stamped at the signature position of the electronic policy to be processed according to the signature location information.
  • Non-volatile memory can include read only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), or flash memory.
  • Volatile memory can include random access memory (RAM) or external cache memory.
  • RAM is available in a variety of formats, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronization chain.
  • SRAM static RAM
  • DRAM dynamic RAM
  • SDRAM synchronous DRAM
  • DDRSDRAM double data rate SDRAM
  • ESDRAM enhanced SDRAM
  • Synchlink DRAM SLDRAM
  • Memory Bus Radbus
  • RDRAM Direct RAM
  • DRAM Direct Memory Bus Dynamic RAM
  • RDRAM Memory Bus Dynamic RAM

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Abstract

L'invention concerne un procédé de signature de police d'assurance électronique, comportant les étapes consistant à: recevoir une demande de signature de police d'assurance et une police d'assurance électronique à traiter envoyées par un terminal, la demande de signature de police d'assurance portant un identifiant de spécimen de police d'assurance; obtenir une table d'informations de signature, et rechercher dans la table d'informations de signature un premier identifiant de signature, des informations de position de signature, un caractère de vérification de position et des informations de position de zone d'extraction de caractère correspondant à l'identifiant de spécimen de police d'assurance; selon les informations de position de zone d'extraction de caractère, extraire un premier caractère d'une position correspondante dans la police d'assurance électronique à traiter; comparer le premier caractère au caractère de vérification de position; lorsque le premier caractère concorde avec le caractère de vérification de position, obtenir une signature électronique correspondant au premier identifiant de signature, et selon les informations de position de signature, apposer la signature électronique dans une position de signature de la police d'assurance électronique à traiter.
PCT/CN2018/076864 2017-11-23 2018-02-14 Procédé et appareil de signature de police d'assurance électronique, dispositif informatique et support de stockage Ceased WO2019100613A1 (fr)

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CN108876875A (zh) * 2018-06-15 2018-11-23 王淑芳 一种纸质道路运输证自动识别打印方法和系统
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