The invention discloses a character identification method of a claim settlement bill and a server. The method comprises: after a server receives a claim settlement bill image of a to-be-identified character, region segmentation is carried out according to frame line arrangement in a claim settlement bill frame format to obtain one or more segmented regions; and a pre-determined analysis model is invoked to analyze all segmented regions and character identification is carried out on all analyzed segmented regions respectively based on a pre-determined identification rule to identify characters in all segmented regions. According to the invention, with consideration of the influence on the identification precision by the claim settlement bill frame format, region segmentation is carried out based on the frame line arrangement of the claim settlement bill frame format before character identification and then character identification is carried out on all segmented regions, so that the influence and interference on character identification by the frame line in the bill during unified character identification in the claim settlement bill image are eliminated and thus the identification precision of characters in the claim settlement bill is improved.