CN106600428B

CN106600428B - Policy generation method and device

Info

Publication number: CN106600428B
Application number: CN201611208091.3A
Authority: CN
Inventors: 刘尚超
Original assignee: Taikang Insurance Group Co Ltd
Current assignee: Taikang Insurance Group Co Ltd
Priority date: 2016-12-23
Filing date: 2016-12-23
Publication date: 2020-05-08
Anticipated expiration: 2036-12-23
Also published as: CN106600428A

Abstract

The disclosure relates to a policy generation method and a device, wherein the method comprises the following steps: configuring a dangerous item bank and a security element bank; receiving an application request sent by a request initiator, responding to the application request and automatically matching policy elements in the policy element library related to the application request according to the policy types contained in the application request; and automatically matching the dangerous seed terms in the dangerous seed term library associated with the insurance request according to the dangerous seed contained in the insurance request; an electronic policy is generated based on policy elements associated with the application request, the item of the risk category associated with the application request, and the raw policy data in the application request. The method can reduce time cost.

Description

Policy generation method and device

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a policy generation method and a policy generation device.

Background

With the advent of internet wave, it has become more common for consumers to purchase insurance directly on the internet, and the form of sending insurance policies to consumers has also been changed from the first offline paper insurance policy to the later online electronic insurance policy in Html (hypertext markup language) web page format.

Referring to fig. 1, after the Html (hypertext markup language) web page format electronic policy is made manually through a line, a technician is required to perform secondary processing; the electronic insurance policy can be put into the system for use after the processing is finished, and one product on each online section of the system needs to be manufactured with the electronic insurance policy template again, and then the electronic insurance policy of each insurance policy is generated in the mode of the template. Thus, a significant amount of time and maintenance costs are wasted, while overall efficiency is reduced.

It is to be noted that the information disclosed in the above background section is only for enhancement of understanding of the background of the present disclosure, and thus may include information that does not constitute prior art known to those of ordinary skill in the art.

Disclosure of Invention

An object of the present disclosure is to provide a policy generation method and a policy generation apparatus, thereby overcoming, at least to some extent, one or more problems due to limitations and disadvantages of the related art.

According to an aspect of the present disclosure, there is provided a policy generation method including:

configuring a dangerous item bank and a security element bank;

receiving an application request sent by a request initiator, responding to the application request and automatically matching policy elements in the policy element library related to the application request according to the policy types contained in the application request; and

automatically matching the dangerous seed terms in the dangerous seed term library associated with the insurance request according to the dangerous seed contained in the insurance request;

an electronic policy is generated based on policy elements associated with the application request, the item of the risk category associated with the application request, and the raw policy data in the application request.

In an exemplary embodiment of the present disclosure, the policy generation method further includes:

marking the electronic insurance policy to generate a complete electronic insurance policy; and

and sending the complete electronic insurance policy to the request initiator.

In an exemplary embodiment of the present disclosure, configuring a library of risky terms includes:

acquiring a first format of the dangerous item, and converting the dangerous item from the first format to a second format;

storing the dangerous item in the second format in a catalogue of a fixed item library;

storing the address of the fixed clause library in a database;

wherein, the dangerous seed clause library comprises the clauses related to all insurance policies.

In an exemplary embodiment of the present disclosure, configuring a pool of security elements comprises:

acquiring policy elements and storing the policy elements in a database;

classifying the policy elements according to their categories;

wherein the policy element library includes elements related to all policies.

In an exemplary embodiment of the present disclosure, the policy generation methods are all implemented in a JOB manner.

According to an aspect of the present disclosure, there is provided a policy generation apparatus including:

a clause library and element library configuration module: for configuring a library of terms of the risk and a library of security elements;

policy element matching module: the system comprises a request initiator, a policy element library and a policy database, wherein the request initiator is used for receiving an application request sent by the request initiator, responding to the application request and automatically matching policy elements in the policy element library, which are related to the application request, according to policy types contained in the application request;

the dangerous seed item matching module: the insurance policy management system is used for automatically matching insurance policy terms in the insurance policy term library and associated with the insurance request according to the insurance policy contained in the insurance request;

electronic policy generation module: for generating an electronic policy based on policy elements associated with the application request, items of an insurance risk associated with the application request, and raw policy data in the application request.

In an exemplary embodiment of the present disclosure, the policy generation apparatus further includes:

electronic policy marking module: the electronic insurance policy is marked to generate a complete electronic insurance policy;

electronic insurance policy sending module: for sending the complete electronic insurance policy to the request originator.

storing the address of the fixed clause library in a database;

acquiring policy elements and storing the policy elements in a database;

classifying the policy elements according to their categories;

wherein the policy element library includes elements related to all policies.

In an exemplary embodiment of the present disclosure, the policy generation means are each implemented in a JOB.

The method and the device for generating the policy are characterized in that a dangerous item bank and a policy element bank are configured; then automatically matching policy elements in the policy element library associated with the application request according to the policy types contained in the application request; automatically matching the dangerous case clauses contained in the insurance request with the dangerous case clauses in the dangerous case clause library associated with the insurance request; finally, generating an electronic policy according to the policy element, the dangerous seed clause and the original policy data; on one hand, the dangerous seed clause library and the policy element library are configured and then automatically matched according to the requirements of users, so that secondary development is avoided, the development and maintenance cost and the time cost are reduced, and the overall efficiency is improved; on the other hand, the electronic insurance policy is automatically generated by the system to form a uniform format, so that the readability of the user is enhanced, and the satisfaction of the user is improved; on the other hand, the system is automatically generated, so that manual participation is avoided, and the labor cost is reduced.

According to the policy generation method and device, the electronic policy is marked, so that the anti-counterfeiting performance and the security of the electronic policy are improved, and the user experience is improved.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and together with the description, serve to explain the principles of the disclosure. It is to be understood that the drawings in the following description are merely exemplary of the disclosure, and that other drawings may be derived from those drawings by one of ordinary skill in the art without the exercise of inventive faculty.

FIG. 1 schematically illustrates an example diagram of an electronic policy generation format in an Html web page format.

FIG. 2 schematically illustrates a flow chart of a policy generation method.

FIG. 3 schematically illustrates a flow chart of a method of configuring a library of risk type terms.

FIG. 4 schematically illustrates an example catalog diagram for a clause library.

FIG. 5 schematically shows a flow chart of a method of configuring a pool of security elements.

Fig. 6 schematically illustrates an example diagram of an electronic policy.

FIG. 7 schematically illustrates a flow chart of another policy generation method.

Fig. 8 schematically shows a block diagram of a policy generation apparatus.

Fig. 9 schematically shows a block diagram of an electronic device.

Detailed Description

Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art. The described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to give a thorough understanding of embodiments of the disclosure. One skilled in the relevant art will recognize, however, that the subject matter of the present disclosure can be practiced without one or more of the specific details, or with other methods, components, devices, steps, and the like. In other instances, well-known technical solutions have not been shown or described in detail to avoid obscuring aspects of the present disclosure.

Furthermore, the drawings are merely schematic illustrations of the present disclosure and are not necessarily drawn to scale. The same reference numerals in the drawings denote the same or similar parts, and thus their repetitive description will be omitted. Some of the block diagrams shown in the figures are functional entities and do not necessarily correspond to physically or logically separate entities. These functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor devices and/or microcontroller devices.

The present exemplary embodiment first provides a policy generation method. Referring to fig. 2, the policy generation method may include the steps of:

step S210, configuring a dangerous item bank and a security element bank.

Step S220, receiving an application request sent by a request initiator, responding to the application request and automatically matching policy elements in the policy element library related to the application request according to the policy types contained in the application request.

And step S230, automatically matching the dangerous seed terms in the dangerous seed term library associated with the insurance request according to the dangerous seed contained in the insurance request.

Step S240, an electronic insurance policy is generated according to the insurance policy element related to the application request, the item of the risk category related to the application request and the original insurance policy data in the application request.

In the policy generation method, on one hand, the dangerous item bank and the policy element bank are configured and then automatically matched according to the requirements of users, so that secondary development is avoided, development and maintenance cost and time cost are reduced, and the overall efficiency is improved; on the other hand, the electronic insurance policy is automatically generated by the system to form a uniform format, so that the readability of the user is enhanced, and the satisfaction of the user is improved; on the other hand, the system is automatically generated, so that manual participation is avoided, and the labor cost is reduced.

Hereinafter, each step of the above-described software upgrading method in the present exemplary embodiment will be described in detail.

In step S210, a library of terms of risk and a pool of security elements are configured. Referring to FIG. 3, configuring a library of terms of a risk type may include steps S310 to S330, wherein:

in step S310, a first format of the dangerous item is obtained, and the dangerous item is converted from the first format to a second format.

In this example embodiment, the first format may include html,. doc,. docx, xls,. xlsx,. ppt,. pptx,. txt, etc.; the second format may include. pdf,. JPEG, PNG,. BMP, etc.; the terms of the aforementioned risk category may include terms related to all policy, and may include, for example: the terms of the "XX company's guaranteed procurement of group annual insurance", "XX company's new life accident fracture integrated medical insurance", "XX company's disease disabling medical insurance", "XX company's additional hundred million series casualty trauma injury medical insurance", "XX company's additional new life accident medical insurance", "XX company's additional new life children accident injury medical insurance", "XX company's additional new life vehicle accident medical insurance", "XX company's accidental burn medical insurance", "XX company's female health group disease insurance", "XX company's additional disease medical insurance", "XX company's additional student disease medical insurance", "XX company's additional hospital group medical insurance of the century, and" XX company's XX company's group medical insurance of the group, and so on. For example: the format of ' 2009 ' 138 th-2 ' XX company guarantee to receive group annuity insurance ' clause.doc ' is obtained, and then ' 2009 ' 138 th-2 ' XX company guarantee to receive group annuity insurance ' clause.doc ' is converted into ' 2009 ' 138 th-2 ' XX company guarantee to receive group annuity insurance ' clause.pdf '. In addition, in other exemplary embodiments of the present disclosure, other definitions may be made for the first format and the second format according to actual situations, and this is not particularly limited in this exemplary embodiment.

In step S320, the terms of the risk category in the second format are stored in a catalog of a fixed term library.

In the present exemplary embodiment, as shown with reference to fig. 4, "[ 2009] No. 138-2" XX corporation guarantees to pick up group annuity insurance ". pdf" is stored in a catalog of a fixed clause library; fig. 4 also shows the storage status of other terms, and no one list of other terms shown in fig. 4 is provided here.

In step S330, the address of the fixed clause database is stored in a database.

In the present exemplary embodiment, in order to save the space of the database, facilitate the query and improve the overall speed of the system, the address of the fixed clause library may be stored in the database, forming the aforesaid dangerous seed clause library.

Referring to FIG. 5, configuring a pool of security elements may include steps S510 and S520, wherein:

in step S510, policy elements are obtained and stored in a database.

In this exemplary embodiment, the policy elements include all policy related elements, and may include, for example: product name, required cost, insurance period, number of purchased copies, order number, policy number, and other remark information, etc.; in this example, the element data information for all the application uses provided by the demand department is obtained and configured into the database.

In step S520, the policy elements are categorized according to their categories.

In the embodiment of the present invention, in order to improve the efficiency of automatic matching, save time and cost, and improve user experience, classification and arrangement may be performed according to the category of policy elements.

In step S220, an application request sent by a request initiator is received, and the policy elements associated with the application request in the policy element library are automatically matched according to the policy type included in the application request in response to the application request. For example:

receiving an insurance application request about 'XX company elder filial piety card', responding to the insurance application request, and automatically matching insurance policy elements in the insurance policy element library associated with the request, such as matched elements, in a JOB mode according to the insurance policy typeThe method can comprise the following steps: the product name, the policy number, the insurance period, etc., and may also include the number of purchased copies, the required fee, etc., and this embodiment is not particularly limited. Wherein the above-mentioned JOB can be understood as a regular execution of a certain entity provided by Oracle, for exampleStoring procedureOr the function of the bag body; at the time of execution, it is necessary to set a start time, an interval time, an execution target, and the like of the execution in the JOB. In addition, in other embodiments of this example, automatic matching may also be performed in other manners according to actual situations, for example, the automatic matching may be performed in a Hibernate (object relationship mapping framework) manner, and the present example embodiment does not particularly limit this.

In step S230, the insurance policy terms associated with the insurance request in the insurance policy term library are automatically matched according to the insurance policy contained in the insurance request. For example:

automatically matching the insurance type terms associated with the request in the insurance type term library by means of JOB according to the insurance type, for example, the matched insurance type terms may include: the term "XX company adds new life accident medical insurance" or "XX company adds new life accident allowance medical insurance", etc., and the present embodiment is not particularly limited thereto.

In step S240, an electronic policy is generated based on the policy element associated with the application request, the item of the risk category associated with the application request, and the raw policy data in the application request.

In this exemplary embodiment, the original policy data may include, for example: the name of the applicant, the sex of the applicant, the type of the applicant's certificate, the number of the applicant's certificate, the date of birth of the applicant, the relationship with the insured, the name of the insured, the sex of the insured, the type of the insured certificate, the number of the insured certificate, the date of birth of the insured, the beneficiary of the insurant, etc. may be adjusted according to the actual situation, and the embodiment is not limited thereto. Specifically, the method comprises the following steps:

the electronic insurance policy as shown in fig. 6 is automatically generated by the Fop in Apache in the mode of JOB according to the automatically matched elements, the item of the risk and the original insurance data. In addition, other contents such as insurance responsibility, special appointment and the like can be included in the policy according to actual needs, and this example does not limit this specifically. Among them, Apache is an open source Web server of Apache software foundation, can be run in most computer operating systems, and is one of the most popular Web server side software because its multi-platform and security are widely used; the method is quick and reliable, and can compile interpreters such as Perl/Python into a server through simple API extension; the Apache Fop can convert xml files into pdf, mif, pcl and txt formats and output directly to a printer, and supports the description of graphics using SVG.

The embodiment of the example also provides a policy generation method. Referring to fig. 7, the policy generation method may further include step S710 and step S720, where:

in step S710, the electronic policy is marked to generate a complete electronic policy.

In the present exemplary embodiment, the mark may be an electronic signature or other marks (e.g., digital signature, etc.) with anti-counterfeiting and marking functions, which is not limited in this embodiment; for example:

in order to ensure the accuracy and the safety of the electronic insurance policy, the electronic insurance policy is stamped and then a complete electronic insurance policy is generated.

In step S720, the complete electronic insurance policy is sent to the request originator.

In this exemplary embodiment, after the complete electronic policy has been generated, the system may send the policy to the request originator (applicant) in the form of an email. In addition, in other exemplary embodiments of the present disclosure, the complete electronic insurance policy may also be sent to the applicant in other manners according to actual situations, for example, cloud sharing may be used, and the like, which is not particularly limited in this exemplary embodiment.

Moreover, although the steps of the methods of the present disclosure are depicted in the drawings in a particular order, this does not require or imply that the steps must be performed in this particular order, or that all of the depicted steps must be performed, to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions, etc.

The present exemplary embodiment further provides a policy generation apparatus, as shown in fig. 8, the policy generation apparatus may include: a clause library and element library configuration module 810, a policy element matching module 820, an insurance policy clause matching module 830, and an electronic policy generation module 840. Wherein:

the clause library and element library configuration module 810 may be used to configure a risk clause library and a policy element library.

The policy element matching module 820 may be configured to receive an application request from a request originator, respond to the application request, and automatically match policy elements in the policy element library associated with the application request according to a policy type included in the application request.

The insurance policy terms matching module 830 can be used for automatically matching insurance policy terms associated with the insurance request in the insurance policy terms library according to the insurance policy contained in the insurance request.

The electronic policy generation module 840 may be configured to generate an electronic policy based on policy elements associated with the application request, the terms of the risk category associated with the application request, and the raw policy data in the application request.

In this exemplary embodiment, the policy generation device further includes:

the electronic policy marking module may be used to mark the electronic policy to generate a complete electronic policy.

An electronic policy transmission module may be used to transmit the complete electronic policy to the request originator.

In this example embodiment, configuring a library of terms of a risky type includes:

acquiring a first format of the dangerous item, and converting the dangerous item from the first format to a second format; storing the dangerous item in the second format in a catalogue of a fixed item library; and storing the address of the fixed clause library in a database.

In this exemplary embodiment, configuring a pool of security elements comprises:

acquiring policy elements and storing the policy elements in a database; classifying the policy elements according to their categories.

Wherein the policy element library includes elements related to all policies.

In the present exemplary embodiment, the policy generation means is implemented by JOB.

The details of each module in the policy generation apparatus have been described in detail in the corresponding policy generation method, and therefore are not described herein again.

It should be noted that although in the above detailed description several modules or units of the device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functionality of two or more modules or units described above may be embodied in one module or unit, according to embodiments of the present disclosure. Conversely, the features and functions of one module or unit described above may be further divided into embodiments by a plurality of modules or units.

Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiments of the present disclosure may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (which may be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which may be a personal computer, a server, a mobile terminal, or a network device, etc.) to execute the method according to the embodiments of the present disclosure.

Fig. 9 shows a schematic diagram of an electronic device 400 in an example embodiment according to the present disclosure. For example, the electronic device 400 may be provided as a server. Referring to fig. 4, electronic device 400 includes a processing component 422 that further includes one or more processors, and memory resources, represented by memory 432, for storing instructions, such as applications, that are executable by processing component 422. The application programs stored in memory 432 may include one or more modules that each correspond to a set of instructions. Further, the processing component 422 is configured to execute instructions to perform the above-described methods.

Electronic device 400 may also include a power component 426 configured to perform power management of electronic device 400, a wired or wireless network interface 450 configured to connect electronic device 400 to a network, and an input output (I/O) interface 458. The electronic device 400 may operate based on an operating system stored in the memory 432, such as Windows Server, Mac OSXTM, UnixTM, LinuxTM, FreeBSDTM, or the like.

Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This application is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.

Claims

1. A policy generation method, comprising:

configuring a dangerous item bank and a security element bank;

wherein the configuring a library of terms of a risk type comprises: acquiring a first format of the dangerous item, and converting the dangerous item from the first format to a second format; storing the dangerous item in the second format in a catalogue of a fixed item library; storing the address of the fixed clause library in a database; wherein the dangerous seed clause library comprises the clauses related to all insurance policies;

configuring a pool of security elements comprising: acquiring policy elements and storing the policy elements in a database; classifying the policy elements according to their categories; wherein the policy element library comprises elements related to all policies;

2. The policy generation method according to claim 1, further comprising:

and sending the complete electronic insurance policy to the request initiator.

3. The policy generation method according to any one of claims 1 to 2, wherein the policy generation method is implemented by JOB.

4. An insurance policy generation apparatus, comprising:

the configuring a dangerous item library comprises: acquiring a first format of the dangerous item, and converting the dangerous item from the first format to a second format; storing the dangerous item in the second format in a catalogue of a fixed item library; storing the address of the fixed clause library in a database; wherein the dangerous seed clause library comprises the clauses related to all insurance policies;

5. The policy generation apparatus according to claim 4, wherein said policy generation apparatus further comprises:

6. The policy generation device according to any one of claims 4 to 5, wherein the policy generation device is implemented by way of a JOB.