CREDIT-BASED CLAIM SETTLEMENT IMPLEMENTING METHOD AND DEVICE

1 . A credit-based claim settlement implementing method, comprising:

receiving a claim settlement request from a user terminal of a user;

in response to receiving the claim settlement request, determining credit information of the user;

when the credit information of the user satisfies a credit constraint condition, prompting the user to upload images of claim settlement materials from the user terminal;

detecting, using a living body detection technology, whether uploading the images of claim settlement materials is performed by uploading a photograph taken in real time from the user terminal;

in response to detecting that uploading the images of claim settlement materials is performed by uploading a photograph taken in real time from the user terminal, determining whether the claim settlement materials are authentic; and

in response to determining that the claim settlement materials are authentic, determining a claim settlement amount based on the claim settlement materials.

2 . The method according to claim 1 , wherein the determining credit information of the user comprises:

authenticating an identity of the user; and

in response to the identity of the user being authenticated, determining the credit information of the user.

3 . The method according to claim 1 , wherein when the claim settlement materials include a payment invoice, the determining whether the claim settlement materials are authentic comprises:

identifying invoice information of the payment invoice using an artificial intelligence technology; and

determining whether the payment invoice is authentic according to the invoice information.

4 . The method according to claim 1 , further comprising:

when the claim settlement amount does not exceed a self-service claim settlement limit, initiating transfer of fund in the claim settlement amount to the user.

5 . The method according to claim 1 , further comprising:

negatively updating the credit information of the user if the claim settlement materials are determined unauthentic.

6 . The method according to claim 1 , wherein the prompting the user to upload images of claim settlement materials from the user terminal comprises:

sending the user a message for uploading the images of claim settlement materials;

receiving a confirmation of the message from the user; and

acquiring the images of claim settlement materials obtained with a camera of the user terminal.

7 . The method according to claim 1 , wherein the determining credit information of the user comprises:

determining the credit information of the user according to at least asset information, claim settlement frequencies, or a credit history of the user.

8 . A non-transitory computer-readable storage medium, comprising at least a computer instruction stored in a memory and executed by a processor, to cause the processor to perform operations comprising:

receiving a claim settlement request from a user terminal of a user;

in response to receiving the claim settlement request, determining credit information of the user;

when the credit information of the user satisfies a credit constraint condition, prompting the user to upload images of claim settlement materials from the user terminal;

detecting, using a living body detection technology, whether uploading the images of claim settlement materials is performed by uploading a photograph taken in real time from the user terminal;

in response to detecting that uploading the images of claim settlement materials is performed by uploading a photograph taken in real time from the user terminal, determining whether the claim settlement materials are authentic; and

in response to determining that the claim settlement materials are authentic, determining a claim settlement amount based on the claim settlement materials.

9 . The non-transitory computer-readable storage medium according to claim 8 , wherein the operations further comprise:

authenticating an identity of the user; and

in response to the identity of the user being authenticated, determining the credit information of the user.

10 . The non-transitory computer-readable storage medium according to claim 9 , wherein the operations further comprise:

when the claim settlement materials comprise a payment invoice,

identifying invoice information of the payment invoice using an artificial intelligence technology; and

determining whether the payment invoice is authentic according to the invoice information.

11 . The non-transitory computer-readable storage medium according to claim 8 , wherein the operations further comprise:

when the claim settlement amount does not exceed a self-service claim settlement limit, initiating transfer of fund in the claim settlement amount to the user.

12 . The non-transitory computer-readable storage medium according to claim 8 , wherein the operations further comprise:

negatively updating the credit information of the user if the claim settlement materials are determined unauthentic.

13 . The non-transitory computer-readable storage medium according to claim 8 , wherein the operations further comprise:

sending the user a message for uploading the images of claim settlement materials;

receiving a confirmation of the message from the user; and

acquiring the images of claim settlement materials obtained with a camera of the user terminal.

14 . A credit-based claim settlement implementing device, comprising:

a processor; and

a memory storing machine-executable instructions, wherein the instructions are executable to cause the processor to perform operations including:

receiving a claim settlement request from a user terminal of a user;

in response to receiving the claim settlement request, determining credit information of the user;

when the credit information of the user satisfies a credit constraint condition, prompting the user to upload images of claim settlement materials from the user terminal;

detecting, using a living body detection technology, whether uploading the images of claim settlement materials is performed by uploading a photograph taken in real time from the user terminal;

in response to detecting that uploading the images of claim settlement materials is performed by uploading a photograph taken in real time from the user terminal, determining whether the claim settlement materials are authentic; and

in response to determining that the claim settlement materials are authentic, determining a claim settlement amount based on the claim settlement materials.

15 . The apparatus according to claim 14 , wherein the operations further comprise:

authenticating an identity of the user; and

in response to the identity of the user being authenticated, determining the credit information of the user.

16 . The apparatus according to claim 15 , wherein the operations further comprise:

when the claim settlement materials comprise a payment invoice,

identifying invoice information of the payment invoice using an artificial intelligence technology; and

determining whether the payment invoice is authentic according to the invoice information.

17 . The apparatus according to claim 14 , wherein the operations further comprise:

when the claim settlement amount does not exceed a self-service claim settlement limit, initiating transfer of fund in the claim settlement amount to the user.

18 . The apparatus according to claim 14 , wherein the operations further comprise:

negatively updating the credit information of the user if the claim settlement materials are determined unauthentic.

19 . The apparatus according to claim 14 , wherein the operations further comprise:

sending the user a message for uploading the images of claim settlement materials;

receiving a confirmation of the message from the user; and

acquiring the images of claim settlement materials obtained with a camera of the user terminal.

20 . The apparatus according to claim 14 , wherein the operations further comprise:

determining the credit information of the user according to at least asset information, claim settlement frequencies, or a credit history of the user.