CN108268593B

CN108268593B - Method, device, server and storage medium for processing credit card insurance information

Info

Publication number: CN108268593B
Application number: CN201711298511.6A
Authority: CN
Inventors: 聂志高; 陈真
Original assignee: Ping An Property and Casualty Insurance Company of China Ltd
Current assignee: Ping An Property and Casualty Insurance Company of China Ltd
Priority date: 2017-12-08
Filing date: 2017-12-08
Publication date: 2020-12-29
Anticipated expiration: 2037-12-08
Also published as: CN108268593A

Abstract

The invention relates to a credit card insurance information processing method, a credit card insurance information processing device, a credit card insurance information processing server and a credit card insurance information processing storage medium. The method comprises the following steps: receiving an application file, wherein the application file records a plurality of credit card identifications and corresponding credit card information; the credit card information comprises a bank identification and a credit card type; acquiring an underwriting file, wherein the underwriting file records the combination of various bank identifications and credit card types, corresponding underwriting conditions and corresponding insurance policy templates; and generating an underwriting task by using the application files and the underwriting files, sending the underwriting task to other underwriting servers in the affiliated cluster, verifying whether corresponding credit card information corresponding to different credit card identifications in the application files meets the inquired underwriting conditions by the other underwriting servers, calling multiple threads to generate a plurality of corresponding insurance policies by using insurance policy templates corresponding to the different credit card identifications when the verification is passed, and sending the plurality of insurance policies to the application server. The method can improve the processing efficiency of the credit card insurance information.

Description

Method, device, server and storage medium for processing credit card insurance information

Technical Field

The invention relates to the technical field of computers, in particular to a credit card insurance information processing method, a credit card insurance information processing device, a credit card insurance information server and a storage medium.

Background

Currently, the use of credit for up-front consumption has become a fashion consumer concept. Many credit cards are given insurance products, i.e., credit card gifts (e.g., unexpected health risks, etc.). As the number of credit card holders increases, so does the number of customers who make insurance based on credit cards. The insurance company carries out the underwriting on the information of the credit card application, and when agreeing to accept the application of the applicant, the insurance company carries out underwriting operation, i.e. draws up a policy contract and undertakes insurance responsibility specified by the policy contract.

In the traditional mode, insurance companies manually carry out underwriting processing on insurance application requests of mass credit card holders. However, in practical operation, the insurance policy period and the insurance amount of the credit card gifts corresponding to the credit cards issued by different banks are different in insurance acceptance manner such as payment manner, and the insurance acceptance manner of the credit card gifts corresponding to different credit cards issued by the same bank is different. The complicated underwriting modes are manually distinguished, so that underwriting efficiency is low.

Disclosure of Invention

In view of the above, it is desirable to provide a method, an apparatus, a server, and a storage medium for processing credit card application information, which can improve the efficiency of underwriting a credit card application.

A credit card application information processing method comprises the following steps:

the underwriting server receives an application file sent by the application server, wherein the application file records a plurality of credit card identifications and corresponding credit card information; the credit card information comprises a bank identification and a credit card type;

the underwriting server acquires an underwriting file, wherein the underwriting file records the combination of various bank identifications and credit card types, corresponding underwriting conditions and a corresponding insurance policy template;

the underwriting server generates underwriting tasks by utilizing the application files and the underwriting files, sends the underwriting tasks to other underwriting servers in the affiliated cluster, enables the other underwriting servers to inquire corresponding underwriting conditions in the underwriting files according to bank identifications and credit card types corresponding to different credit card identifications in the application files, verifies whether corresponding credit card information meets the inquired underwriting conditions, calls multiple threads to inquire corresponding policy templates in the underwriting files according to different credit card identifications when the verification is passed, generates a plurality of policies in batches by utilizing the corresponding credit card information and the inquired policy templates, and sends the policies to the application servers.

In one embodiment, the application file comprises a plurality of files; the method comprises the following steps that the underwriting server generates an underwriting task by using the application files and the underwriting files, and sends the underwriting task to other underwriting servers in the cluster to which the underwriting task belongs, and the method comprises the following steps:

the underwriting server calculates the data volume corresponding to the plurality of application files according to the number of the credit card identifications recorded in the application files;

monitoring the loads of other underwriting servers in the cluster to which the server belongs;

acquiring an optimal matching file of a preset data volume and load, and determining the total data volume of the insurable files which can be processed by a plurality of underwriting servers in the cluster according to the optimal matching file;

grouping a plurality of insurable files according to the total data volume;

and respectively generating corresponding underwriting tasks by using the underwriting files and the groups of application files, and respectively distributing the underwriting tasks to corresponding underwriting servers in the cluster.

In one embodiment, after the step of generating the corresponding plurality of policies in batch by using the corresponding credit card information and the queried policy template, the method further comprises:

acquiring historical policy data corresponding to the bank identification;

acquiring a high-quality rate model, inputting historical policy data into the high-quality rate model, and calculating the high-quality rate corresponding to the client identification;

when the high quality rate reaches a threshold value, adding a periodic settlement label in the policy corresponding to the bank identification; the periodic settlement tag has a corresponding settlement period;

when the settlement period is up, acquiring policy data of a plurality of corresponding policies, extracting a plurality of fields from the policy data, and performing deduplication processing on the extracted fields;

and calculating the total premium corresponding to the plurality of insurance policies, generating a combined settlement notice corresponding to the plurality of insurance policies by using the total premium and the plurality of fields after duplication removal, and sending the combined settlement notice to the insurance application server.

In one embodiment, after the step of sending the plurality of policy to the application server, the method further comprises:

generating an application record corresponding to each credit card identification;

when receiving a refund file sent by the application server, inquiring corresponding application records according to a plurality of credit card identifiers in the refund file, calculating the amount of the premium to be refunded according to the application records, generating a corresponding refund task by using the amount of the premium to be refunded, and sending the refund task to the account management terminal.

In one embodiment, the method further comprises:

receiving a policy correction request sent by a bank terminal, wherein the policy correction request carries a plurality of policy identifications and corresponding correction data;

acquiring corresponding policy data according to the policy identification; the policy data includes a validity period field;

verifying the validity of the validity period field and the correction data;

and when the verification is passed, calling the multithreading batch to correct the corresponding fields in the corresponding policy data according to the correction data, generating a corresponding policy, and returning the policy to the bank terminal.

In one embodiment, the step of receiving a policy correction request sent by a bank terminal, where the policy correction request carries a plurality of policy identifications and corresponding correction data, includes:

receiving a policy correction request sent by a bank terminal, inquiring corresponding policy data according to a policy identifier carried by the policy correction request, and generating a policy correction page by using the inquired policy data; each policy data includes a plurality of fields;

the insurance policy correction page is sent to a bank terminal, so that the bank terminal obtains correction operation corresponding to one or more fields on the insurance policy correction page, and the corrected insurance policy data is stored as JSON character strings according to the correction operation;

receiving a JSON character string sent by a bank terminal;

acquiring a regular expression, and splitting the JSON character string into a plurality of sections of node character strings by using the regular expression; the regular expression comprises one or more target character strings with correction identification;

determining the traversal direction of the multi-section node character strings, traversing the multi-section node character strings according to the traversal direction, screening the corresponding corrected character strings in the multi-section node character strings according to the target character strings in the regular expression, and taking the screened character strings as correction data.

A processing apparatus for credit card application information, comprising:

the system comprises an application module, a payment module and a payment module, wherein the application module is used for receiving an application file sent by an application server, and the application file records a plurality of credit card identifications and corresponding credit card information; the credit card information comprises a bank identification and a credit card type;

the first underwriting module is used for acquiring underwriting files, and the underwriting files record the combination of various bank identifications and credit card types and corresponding underwriting conditions and insurance policy templates;

and the second underwriting module is used for generating underwriting tasks by using the application files and the underwriting files, sending the underwriting tasks to other servers in the affiliated cluster, enabling the other servers to inquire corresponding underwriting conditions in the underwriting files according to bank identifications and credit card types corresponding to different credit card identifications in the application files, verifying whether corresponding credit card information meets the inquired underwriting conditions, calling multiple threads to inquire corresponding policy templates in the underwriting files according to different credit card identifications when the verification is passed, generating a plurality of policies in batches by using the corresponding credit card information and the inquired policy templates, and sending the policies to the application servers.

In one embodiment, the application file comprises a plurality of files; the second underwriting module is also used for calculating the data volume corresponding to each of the plurality of application files according to the number of the credit card identifications recorded in the application files; monitoring the loads of other underwriting servers in the cluster to which the server belongs; acquiring an optimal matching file of a preset data volume and load, and determining the total data volume of the insurable files which can be processed by a plurality of underwriting servers in the cluster according to the optimal matching file; grouping a plurality of insurable files according to the total data volume; and respectively generating corresponding underwriting tasks by using the underwriting files and the groups of application files, and respectively distributing the underwriting tasks to corresponding underwriting servers in the cluster.

A server comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the method for processing credit card application information provided in one embodiment of the invention when executing the program.

A computer-readable storage medium on which a computer program is stored, which when executed by a processor, implements the steps of a method of processing credit card application information provided in one embodiment of the present invention.

According to the processing method, device, server and storage medium for the credit card insurance information, an insurance company can directly obtain insurance files from insurance servers corresponding to banks; generating an underwriting task by using the application files and prestored underwriting files, and sending the underwriting task to other underwriting servers in the cluster, so that the other underwriting servers in the cluster can analyze the application files; according to the bank identification and the credit card type corresponding to the plurality of credit card identifications obtained by analyzing in the application file, the underwriting condition corresponding to the combination of the corresponding bank identification and the credit card type can be inquired in the underwriting file; according to the inquired underwriting conditions, checking corresponding credit card information; and when the verification is successful, calling multiple threads to inquire the corresponding policy template in the underwriting file according to the multiple credit card identifications in the application file, generating the corresponding policy by using the inquired policy template, and sending the policy to the application server, thereby finishing underwriting operation. In the whole process, the underwriting tasks are distributed to other underwriting servers in the cluster for processing, different credit card miscellaneous underwriting modes of different banks are automatically distinguished according to preset underwriting files, and different underwriting operations are carried out on different insurance files by calling multiple threads, so that the processing efficiency of the credit card insurance information can be improved respectively.

Drawings

FIG. 1 is a diagram illustrating an exemplary environment in which a method for processing information for credit card applications may be implemented;

FIG. 2 is a flow diagram that illustrates a method for processing credit card application information in one embodiment;

FIG. 3 is a diagram showing the construction of a device for processing credit card insurance information according to an embodiment;

fig. 4 is a schematic structural diagram of a server in one embodiment.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

It will be understood that, as used herein, the terms "first," "second," and the like may be used herein to describe various elements, but these elements are not limited by these terms. These terms are only used to distinguish one element from another. For example, a first client may be referred to as a second client, and similarly, a second client may be referred to as a first client, without departing from the scope of the present invention. Both the first client and the second client are clients, but they are not the same client.

The application provides a credit card application information processing method which can be applied to an application environment shown in figure 1. The application server 102 is connected to the underwriting server 106 via a network. The bank terminal 104 is connected to the underwriting server 106 via a network. The application server 102 is a server corresponding to a bank, and may be an independent physical server or a server cluster including a plurality of physical servers. The underwriting server 106 is a server corresponding to an insurance company, and may be a server cluster including a plurality of physical servers. The bank terminal 104 is a terminal corresponding to a bank, and may be at least one of a smart phone, a tablet computer, a desktop computer, and a vehicle-mounted computer, but is not limited thereto.

The bank periodically sends the application file to the underwriting server 106 corresponding to the insurance company through the application server 102. The application file records a plurality of credit card identifications and corresponding credit card information. The credit card information includes a bank identification and a credit card type. The underwriting server 106 prestores underwriting files that record various combinations of bank identification and credit card types, as well as underwriting conditions and policy templates corresponding to each combination. The underwriting server 106 generates an underwriting task by using the application files and the underwriting files, monitors the loads of other underwriting servers 106 in the cluster to which the underwriting task belongs, and distributes the underwriting task to the underwriting servers 106 with low loads. The underwriting server 106 inquires corresponding underwriting conditions in the underwriting file according to the bank identification and the credit card type corresponding to different credit card identifications in the application file, and verifies whether the corresponding credit card information meets the inquired underwriting conditions. When the verification is passed, the underwriting server 106 calls multiple threads to inquire corresponding policy templates in underwriting files according to different credit card identifications, generates a plurality of corresponding policies in batches by using corresponding credit card information and the inquired policy templates, and sends the policies to the insurance server 102 or the bank terminal 104, so that related bank personnel can directly inquire the policies through the bank terminal 104, or sends policy inquiry requests to the insurance server 102 through the bank terminal 104 and receives the policies returned by the insurance server 102 according to the policy inquiry requests. It is easy to understand that the underwriting server 106 can also send a plurality of policy to the application server 102 and the bank terminal 104 at the same time, which is convenient for the bank related personnel to directly inquire the policy through the bank terminal 104 and also convenient for the application server 102 to backup and store a plurality of policies. In the whole process, allocating the underwriting task to an underwriting server with low load in the cluster for processing; the underwriting server automatically distinguishes various underwriting modes of different credit cards of different banks according to the preset underwriting files, and invokes multiple threads to carry out different underwriting operations on different application files, so that the processing efficiency of the application information of the credit cards can be improved.

In an embodiment, as shown in fig. 2, a method for processing credit card application information is provided, which is described by taking an example that the method is applied to an underwriting server, and specifically includes the following steps:

step 202, the underwriting server receives an application file sent by the application server, and the application file records a plurality of credit card identifications and corresponding credit card information; the credit card information includes a bank identification and a credit card type.

To implement automatic application, the bank may periodically send an application file to the underwriting server through the application server. The source database is deployed on the application server, and the target database is deployed on the underwriting server. The application server and the underwriting server may be servers of different platforms. In other words, the source database and the target database may be deployed on servers of different platforms respectively. The source database and the target database may be the same type of database or different types of databases.

When the insurance application is needed to be carried out for a plurality of credit card holders, the insurance application server reads the insurance application file from the source database, generates an insurance application request by using the insurance application file, and sends the insurance application request to the underwriting server. The application file records a plurality of credit card identifications. The credit card identifier is used to uniquely identify a credit card, such as a credit card number. The application file also records credit card information corresponding to each credit card identification. The credit card information includes bank identification, credit card type, card swipe record, and cardholder information. Wherein, the credit card type can be a credit card name and the like; the card-swiping record records the time and the consumption amount of the card holder when using the credit card for one or more times; the cardholder information includes cardholder identification and corresponding name, account location and other information.

And step 204, the underwriting server acquires an underwriting file, wherein the underwriting file records the combination of various bank identifications and credit card types, corresponding underwriting conditions and a policy template.

In order to realize automatic underwriting, an insurance company stores underwriting files in a target database of an underwriting server in advance. The underwriting file records a variety of combinations of bank identification and credit card types. For example, the bank identifier may be a chinese bank, a chinese construction bank, a chinese agricultural bank, or the like, the credit card type may be an a credit card, a B credit card, a C credit card, or the like, one combination of the bank identifier and the credit card type may be an a credit card of a chinese bank, another combination of the bank identifier and the credit card type may be a B credit card of a chinese bank, and still another combination of the bank identifier and the credit card type may be a C credit card of a chinese construction bank, or the like. The underwriting file also records underwriting conditions and insurance policy templates corresponding to each bank identification and credit card type combination. The underwriting condition can be that the consumption amount corresponding to the credit card reaches an underwriting threshold value and the like. The policy template records the corresponding combination of bank identification and credit card type corresponding to the insurance amount and insurance period.

And step 206, the underwriting server generates underwriting tasks by using the application files and the underwriting files, sends the underwriting tasks to other underwriting servers in the affiliated cluster, enables the other underwriting servers to inquire corresponding underwriting conditions in the underwriting files according to bank identifications and credit card types corresponding to different credit card identifications in the application files, verifies whether corresponding credit card information meets the inquired underwriting conditions, calls multiple threads to inquire corresponding policy templates in the underwriting files according to different credit card identifications when the verification is passed, generates a plurality of policy in batch by using the corresponding credit card information and the inquired policy templates, and sends the policy to the application server.

And the underwriting server monitors the loads of other underwriting servers in the cluster to which the underwriting server belongs, and determines the underwriting server with low load as a target server. The load of the underwriting server comprises the utilization rate of CPU resources, the memory occupancy rate or the storage space of a target database and the like. And the underwriting server generates an underwriting task by using the application files and the underwriting files and sends the underwriting task to the target server.

And the target server inquires corresponding underwriting conditions in the underwriting file according to the bank identification and the credit card type corresponding to different credit card identifications in the application file, and verifies whether the corresponding credit card information meets the inquired underwriting conditions. Specifically, the underwriting server verifies the integrity of the cardholder information. The underwriting server presets a plurality of necessary fields of cardholders and judges whether the information of the cardholders contains all the necessary fields of the cardholders. The necessary fields of the cardholder comprise the name, the identification card number, the place of the account and the like of the cardholder. And the underwriting server crawls corresponding identity information such as names, places of households and the like in a preset website according to the identity card number. And the underwriting server matches the information of the card holders with the identity information of the crawled card holders. And when the cardholder information contains all preset cardholder required fields and is matched with the crawled identity information, the integrity check of the cardholder information is passed.

The underwriting server also calculates the consumption amount corresponding to the credit card identification (hereinafter referred to as the credit card consumption amount) according to the card swiping record, and verifies whether the credit card consumption amount reaches the underwriting threshold value. For example, the credit card consumption amount may be a consumption amount of the first use of the credit card or a cumulative consumption amount of the plural uses of the credit card. The underwriting threshold may be 1000 dollars. It will be readily appreciated that when the underwriting condition is that insurance is given only if the credit card is opened, the underwriting threshold may be 0.

When the verification of the cardholder information or the card swiping record fails, the underwriting server generates a reimbursement request by using the credit card information, wherein the reimbursement request carries a problem description that the credit card information does not meet underwriting conditions, for example, the length of the card holder identity card number is wrong. And the underwriting server sends the reimbursement request to a bank terminal, namely a terminal corresponding to the bank identifier. And when response information for problem description returned by the bank terminal within preset time is received, verifying whether the credit card information meets the underwriting condition again according to the response information.

In the traditional mode, an insurance company manually audits insurance documents, sends paper letters to customers when problems are found in the audit, the customers write related information in the paper letters and then deliver the paper letters to the insurance company, the insurance company audits the information written by the customers again, the whole process consumes a long time, and the underwriting efficiency is reduced. The underwriting server automatically checks the insurance file to realize automatic underwriting; when the verification fails, a reimbursement request with the problem description is automatically sent to the bank terminal, the bank can pertinently and quickly change the credit card information according to the problem description, the influence of the credit card information on the underwriting efficiency is reduced, and the underwriting efficiency can be improved.

When the verification is passed, the target server counts the number of the credit card identifications meeting the underwriting condition, and identifies whether the number of the credit card identifications meeting the underwriting condition reaches a batch processing threshold value. And when the number of the credit card identifications meeting the underwriting condition reaches a batch processing threshold value, calling multiple threads by the target server to carry out underwriting operation. Specifically, the target server calls multiple threads to query a corresponding policy template in an underwriting file according to bank identifications and credit card types corresponding to different credit card identifications, extracts an applicant information field and an insured information field from the application file, adds the extracted applicant information field and insured information field to the policy template, and generates a policy corresponding to each credit card identification. The target server returns a plurality of policy policies to the application server.

In this embodiment, the insurance company can directly obtain the insurance file from the insurance server corresponding to the bank; generating an underwriting task by using the application files and prestored underwriting files, and sending the underwriting task to other underwriting servers in the cluster, so that the other underwriting servers in the cluster can analyze the application files; according to the bank identification and the credit card type corresponding to the plurality of credit card identifications obtained by analyzing in the application file, the underwriting condition corresponding to the combination of the corresponding bank identification and the credit card type can be inquired in the underwriting file; according to the inquired underwriting conditions, checking corresponding credit card information; and when the verification is successful, calling multiple threads to inquire the corresponding policy template in the underwriting file according to the multiple credit card identifications in the application file, generating the corresponding policy by using the inquired policy template, and sending the policy to the application server, thereby finishing underwriting operation. In the whole process, the underwriting tasks are distributed to other underwriting servers in the cluster for processing, different credit card miscellaneous underwriting modes of different banks are automatically distinguished according to preset underwriting files, and different underwriting operations are carried out on different insurance files by calling multiple threads, so that the processing efficiency of the credit card insurance information can be improved respectively.

In one embodiment, the application file includes a plurality; the method comprises the steps of generating an underwriting task by utilizing the application files and the underwriting files, and sending the underwriting task to other underwriting servers in the cluster to which the underwriting task belongs, wherein the steps comprise: the underwriting server calculates the data volume corresponding to the plurality of application files according to the number of the credit card identifications recorded in the application files; monitoring the loads of other underwriting servers in the cluster to which the server belongs; acquiring an optimal matching file of a preset data volume and load, and determining the total data volume of the insurable files which can be processed by a plurality of underwriting servers in the cluster according to the optimal matching file; grouping the plurality of insurable files according to the total data volume; and respectively generating corresponding underwriting tasks by using the underwriting files and the groups of application files, and respectively distributing the underwriting tasks to corresponding underwriting servers in the cluster.

And when the underwriting server receives the application files sent by the plurality of application servers, distributing the plurality of application files to other underwriting servers in the cluster for processing. Specifically, the underwriting server calculates the data volume corresponding to each of the plurality of application files according to the number of credit card identifiers recorded in the application files. It is easy to understand that the larger the number of credit card identifications, the more underwriting operations need to be performed, and the larger the corresponding data amount. The underwriting server prestores an optimal matching file, and the optimal matching file records a plurality of data volume intervals and corresponding load intervals. The load interval comprises an interval combination of a CPU resource utilization rate interval, a memory occupancy rate interval and a target database storage space interval. For example, the interval combination corresponding to one load interval may be 50% to 60% of the CPU resource utilization rate, 40% to 50% of the memory occupancy rate, and 55% to 70% of the target database storage space, and the data volume interval corresponding to the load interval may be 2400 to 2600.

And the underwriting server monitors the loads of other underwriting servers in the cluster to which the underwriting server belongs, and determines a load interval corresponding to each other underwriting server in the cluster. And the underwriting server inquires a corresponding data volume interval in the optimal matching file according to the load interval corresponding to each other underwriting server in the cluster, so that the total data volume of the insurable files which can be respectively processed by a plurality of underwriting servers in the cluster is determined.

And the underwriting server groups the plurality of insurance files according to the total data volume. For example, in the example above, three application files A, B and C were received, application file A including 1000 credit card identifications, application file B including 2000 credit card identifications, and application file C including 1500 credit card identifications. The cluster comprises four underwriting servers of a, b, c and d, wherein the load of the underwriting server A is 52% of the CPU resource utilization rate, 47% of the memory occupancy rate and 60% of the target database storage space. And determining the data volume interval corresponding to the first underwriting server to be 2400-2600 according to the optimal matching file, and determining the data volume interval corresponding to the second underwriting server to be 1900-2100, so that the application files A and C can be determined as a first group, and the application file B is independently determined as a second group.

And the underwriting server respectively generates corresponding underwriting tasks by using the underwriting files and the groups of application files, and respectively distributes the underwriting tasks to the corresponding underwriting servers in the cluster. For example, in the above example, a first underwriting task is generated by using the underwriting file, the application files a and C, and the first underwriting task is distributed to the first underwriting server; and generating a second underwriting task by using the underwriting file and the application file B, and distributing the second underwriting task to the second underwriting server. The data volume of the application files used to generate the underwriting tasks may reflect the task volume of the corresponding underwriting tasks. The third and the fourth underwriting servers are not divided into underwriting tasks, which means that the current time load of the two underwriting servers is higher, namely the task amount of the underwriting task currently being processed is larger.

In this embodiment, the load of other underwriting servers in the cluster to which the server belongs is monitored, and the task amount of underwriting tasks being processed by each underwriting server in the cluster at the current time can be obtained. When the task amount of the underwriting task being processed by one underwriting server in the cluster at the current time is large, and the corresponding load is high, a new underwriting task is not distributed or an underwriting task with a small task amount is distributed; for an underwriting server with a low load, the underwriting tasks with a large task amount can be distributed, and the underwriting tasks can be generated by using a plurality of insurance files. And the plurality of application files are distributed to a plurality of underwriting servers in the cluster for synchronous processing, so that the processing efficiency of the credit card application information can be improved.

In one embodiment, after the step of generating the corresponding plurality of policies in batch using the corresponding credit card information and the queried policy template, the method further comprises: acquiring historical policy data corresponding to the bank identification; acquiring a high-quality rate model, inputting historical policy data into the high-quality rate model, and calculating the high-quality rate corresponding to the client identification; when the high quality rate reaches a threshold value, adding a periodic settlement tag in the policy corresponding to the bank identification; the periodic settlement tags have corresponding settlement periods; when the settlement period is up, acquiring policy data of a plurality of corresponding policies, extracting a plurality of fields from the policy data, and performing deduplication processing on the extracted fields; and calculating the total premium corresponding to the plurality of insurance policies, generating a combined settlement notice corresponding to the plurality of insurance policies by using the total premium and the plurality of fields after duplication removal, and sending the combined settlement notice to the insurance application server.

The regular settlement refers to paying the premium every fixed settlement period, and there may be a proper settlement grace period on the original settlement period, such as 3 months, 6 months or 9 months. The insurance policy of the periodic settlement service is opened, and the client can pay the insurance premium in the corresponding settlement grace period. In the traditional mode, the opening of the regular settlement service requires that a client goes to a counter for applying for transaction, and an insurance company needs to manually check the submitted data of the client, so that the service opening efficiency is low.

In order to improve the efficiency of opening the regular settlement service, the underwriting server constructs a high-quality rate model in advance according to the condition of opening the regular settlement service. The high-quality rate model is obtained by training the underwriting server by using historical policy data. Specifically, the underwriting server obtains historical goodness and historical policy data for a plurality of sample clients. Historical policy data includes total premium, top premium, deferred premium, advance settlement amount, advance settlement time, insured premium, and applicant age, among others. The delayed premium refers to a premium paid after the payment period is exceeded. The underwriting server acquires a preset high-quality rate model. The preset model of the quality rate can be F ═ historical quality rate a% + highest premium b% + advanced settlement rate c% -excess settlement rate d% -out-rate e% -high age insurance accounting rate F% + sub-single amount g%. Wherein F is the high-quality rate, a% -g% represents the adjusting factor corresponding to the corresponding parameter factor, the advance settlement rate is advance settlement amount/total premium + advance settlement time/settlement period, the insurance rate is the proportion of the insurance premium to the total premium, and the high-age insurance duty ratio is the proportion of the number of the insured persons with the age exceeding the threshold to the total number of the insured persons. It is understood that the premium rate model may also include other parameter factors that may reflect the participation of the customer, such as, but not limited to, premium delay rate. And the underwriting server inputs the historical high-quality rate and the historical policy data of each sample client into a preset high-quality rate model and trains the preset high-quality rate model. The high quality rate can reflect the credit degree, the participation amount and the like of the bank, and can also reflect the important grade and the like of the corresponding policy. The preset high-quality rate model is trained, so that the high-quality rate calculated by the high-quality rate model can more accurately reflect the condition of participation of customers.

The underwriting server utilizes the high-quality rate model to automatically identify whether the periodic settlement service can be opened or not. Specifically, when a bank needs to open a regular settlement service for a certain set of policy, a regular settlement opening request can be sent to the underwriting server through the bank terminal, and the regular settlement opening request carries a bank identifier and policy identifiers of a plurality of policies. And the underwriting server acquires the policy data corresponding to the policy according to the acquired corresponding bank information and the policy identification. Policy data includes seeds at risk and reserves. The dangerous species include social insurance, accidental health insurance, family property insurance and the like. And the underwriting server extracts corresponding parameter values from the bank information and the policy data according to a plurality of parameter factors included in the high-quality rate model, inputs the extracted parameter values into the high-quality rate model, and calculates the high-quality rate corresponding to the bank identification. The underwriting server compares whether the goodness reaches a threshold. And when the high quality rate reaches a threshold value, the bank information and the corresponding policy data meet the preset opening condition of the regular settlement service.

And when the high quality rate reaches a threshold value, the underwriting server generates a regular settlement confirmation corresponding to the bank identification. Specifically, the underwriting server determines a settlement grace period and a maximum settlement amount based on the premium rate and the risk categories and the amounts of the plurality of policy. The maximum settlement amount refers to the maximum amount, such as 1000 yuan, that the customer is allowed to settle within the settlement grace period after the periodic settlement service is opened. The underwriting server acquires a preset confirmation template, adds the settlement grace period and the highest settlement amount to the confirmation template, generates a regular settlement confirmation, and sends the regular settlement confirmation to the bank terminal. And when a confirmation result of the regular settlement confirmation returned by the bank terminal is received, the underwriting server adds the regular settlement labels in the corresponding insurance policies respectively so as to mark the opening of the regular settlement service. The bank only needs to send a periodic settlement opening request to the underwriting server through the bank terminal, the underwriting server automatically verifies whether the periodic settlement opening request meets the periodic settlement service opening condition or not by using a high-quality rate model, and when the periodic settlement opening request meets the condition, a periodic settlement confirmation is automatically generated; the bank can realize the opening of the regular settlement service only by confirming the regular settlement confirmation book at the bank terminal, thereby reducing the service opening burden of the bank and an insurance company and improving the service opening efficiency.

And a plurality of insurance policies corresponding to the same bank identification can simultaneously carry out settlement processing after the regular settlement service is opened. In the traditional mode, an insurance company prints a paper settlement notice for each policy, mails a plurality of settlement notices to customers, and the customers settle a large number of settlement notices one by one, thereby reducing settlement efficiency.

In order to improve the policy settlement efficiency, the underwriting server performs combined settlement on a plurality of policies having periodic settlement tags. Specifically, the underwriting server extracts fields from policy data corresponding to a plurality of policies that have a periodic settlement tag and that have reached a settlement cycle, and performs deduplication processing on the extracted fields. There are many ways to perform deduplication processing, for example, only one field may be reserved for fields with the same field name and field value in multiple policies; in addition, only one field name may be reserved for fields with the same field name and different field values in a plurality of policy, which is not limited. The data amount of policy data for generating the combined settlement tickets can be reduced by deduplication of the duplicated fields, so that the review time of the customer on the combined settlement tickets can be reduced, and the policy settlement efficiency can be improved.

The underwriting server acquires the combined settlement notice template, and adds the multiple policy identifications and the multiple de-duplicated fields to the combined settlement notice template to generate the combined settlement notices corresponding to the multiple policies. The merged settlement notice may be an Excel form or the like. The underwriting server calculates the total premium corresponding to the plurality of policy, adds a field name of "total premium" to the combined settlement notice, and adds the calculated total premium to the combined settlement notice as a field value of "total premium". And the underwriting server sends the merged settlement notice to the application server and/or the bank terminal. The client can carry out combined settlement on a plurality of insurance policies, namely, one-time settlement can be carried out, and the settlement efficiency is improved.

In the embodiment, the regular settlement tags are added in advance to the multiple insurance policies for opening the regular settlement service, and the multiple insurance policies with the regular settlement tags are combined for settlement, so that the client can conveniently know the insurance fee corresponding to each insurance policy in time, the trouble of settlement of multiple settlement notification tickets by the client is avoided, the settlement efficiency of the insurance policies can be improved, and the processing efficiency of the credit card insurance information can be improved.

In one embodiment, after the step of sending the plurality of policy to the application server, further comprising: generating an application record corresponding to each credit card identification; when receiving a refund file sent by the application server, inquiring corresponding application records according to a plurality of credit card identifiers in the refund file, calculating the amount of the refund fee according to the application records, generating a corresponding refund task by using the amount of the refund fee, and sending the refund task to the account management terminal.

And when the insurance acceptance server generates the insurance policy corresponding to the credit card identification, the insurance application server generates a corresponding insurance application record. The application record records the application time, the application amount and the like. When an insurance company account manager receives a request of paying a premium for a credit card cardholder through a bank terminal or an insurance application server at an account management terminal, the account management terminal generates a premium payment arrival notice corresponding to a plurality of credit card identifications and sends the premium payment arrival notice to an underwriting server. And the underwriting server updates the corresponding application records according to the premium arrival and payment notice. The updated insurance application record comprises a plurality of times of insurance payment records of the credit card holder corresponding to the credit card identification by the bank.

When receiving a refund file sent by the application server, inquiring corresponding application records according to a plurality of credit card identifiers in the refund file, calculating the amount of the premium to be refunded according to the premium payment records, generating a corresponding refund task by using the amount of the premium to be refunded, sending the refund task to the account management terminal, and enabling the account management terminal to refund the premium to the bank.

In the embodiment, the interaction between the underwriting server and the account management terminal enables the credit card insurance to be automatically settled and refunded, the whole process does not need manual participation, and the settlement and refunding efficiency can be improved.

In one embodiment, the method further comprises: receiving a policy correction request sent by a bank terminal, wherein the policy correction request carries a plurality of policy identifications and corresponding correction data; acquiring corresponding policy data according to the policy identification; the policy data includes a validity period field; verifying the validity of the validity period field and the correction data; and when the verification is passed, calling the multithreading batch to correct the corresponding fields in the corresponding policy data according to the correction data, generating a corresponding policy, and returning the policy to the bank terminal.

When the policy data of a plurality of policies needs to be corrected, the bank can send policy correction requests to the underwriting server through the bank terminal. The policy approval request carries policy identifications for a plurality of policies. The underwriting server inquires corresponding original policy data according to the policy identification, generates a policy correction page by using the inquired original policy data, and returns the policy correction page to the bank terminal. The bank terminal acquires the correction operation of related personnel on one or more fields of the warranty correction page, and generates a JSON (JavaScript Object Notification) Object by using the fields on the warranty correction page when the correction operation is completed. The JSON object includes a plurality of nodes. Each node corresponds to policy data for one policy. In order to improve the data transmission rate, the bank terminal converts the JSON object into a JSON character string, obtains policy data (hereinafter referred to as target policy data) requesting modification, and sends the target policy data to the underwriting server. It will be readily appreciated that the original policy data is the policy data corresponding to the policy identification before the bank requests a correction, i.e. data that has not been corrected. The target policy data is policy data for which the bank requests a correction. The target policy data records all fields on the policy correction page in a character string mode, including both corrected fields and non-corrected fields, such as policy identification and the like.

The raw policy data includes a plurality of validity fields, such as insurance period, insurance validation time, and the like. The underwriting server judges whether the corresponding security policy is in a state of being kept in order to check the validity of the valid period field when receiving the correction request time corresponding to the security policy correction request and identifying whether the correction request time is in the corresponding insurance period.

And the underwriting server screens the target insurance policy data to obtain the correction data. The correction data includes the item and the corresponding correction value. The batch item refers to the field name corresponding to the batch value, and the batch value is the corresponding field value. And the underwriting server checks the legality of the screened correction data. Specifically, the server checks whether the correction item in the correction data belongs to a preset correction allowing item. When the correction items in the correction data belong to the permission correction items and the correction items comprise time information such as the insurable time, the insurance effective time or the insurance ending time, the underwriting server extracts a first time character string such as '2015229' or '15-2-29' from the correction value corresponding to the corresponding correction items. The underwriting server presets a plurality of time string templates, such as yyyy-MM-dd. And the underwriting server matches the first time character string with the time character string template so as to carry out format verification on the first time character string.

And when the first time character string format passes the verification, the underwriting server divides the first time character string into a plurality of source character strings by using the time character string template. The source character strings correspond to time nodes such as "year", "month" and "day". For example, in the above example, the plurality of source strings may be "2015", "2", "29". The underwriting server takes the source character strings as variable values to be respectively associated with a preset source variable name, so that the source variable names are used for distinguishing and storing the source character strings. For example, the source variable name a1 may correspond to the source string "2015", a2 may correspond to the source string "2", A3 may correspond to the source string "29", and so on.

The underwriting server converts the first time string into a date object and then converts the date object into a second time string. The date object is a data type provided in javascript (an interpreted scripting language) that can manipulate the date and time. The second time string is a legal string. For ease of understanding, the above conversion logic of the second time string may be summarized as: and if the first time character string is an illegal character string, the server acquires legal time corresponding to the input time, calculates the time difference between the legal time and the input time, and linearly superposes the input time and the time difference to obtain a second time character string. For example, in the above example, since 2015 is an annual year, the legal time corresponding to the input time 2015229 may be 2015228, the input time may be 1 day more than the legal time, and the second time string may be 201531.

The underwriting server divides the second time string into a plurality of target strings in the manner described above. The server associates a plurality of target character strings serving as variable values with a preset target variable name respectively so as to distinguish and store each target character string by using the target variable name. For example, the target variable name B1 may correspond to the target string "2015", B2 may correspond to the target string "3", B3 may correspond to the target string "1", and so on.

And the underwriting server matches the source character strings with the corresponding target character strings according to the corresponding relation between the source variable names and the target variable names, for example, A1 corresponds to B1, A2 corresponds to B2, and the like. When the source character strings and the corresponding target character strings are successfully matched respectively, the validity check of the first time character string is passed; otherwise, the data is used for indicating that illegal data exists in the correction data. The embodiment does not need calculation, can complete the verification of the character string at the first time only by simple character string segmentation, conversion and matching, and has simple verification logic; and the character string conversion can be realized by using a system method, so that the code logic is simple, the code amount can be saved, and the resource overhead of the underwriting server is reduced.

And when validity period fields and the validity check of the correction data are respectively checked to pass, the underwriting server generates an audit task by using the insurance policy identification and the corresponding correction data, and sends the audit task to the audit terminal. When the verification information of the verification terminal on the correction data is received and the verification information is approved for correction, the underwriting server can carry out correction processing on the original policy data according to the correction data, generate a policy corresponding to each policy identifier and return the generated policy to the bank terminal.

In the embodiment, because the whole correction process, the underwriting server automatically checks the correction data and automatically corrects the corresponding insurance policy data according to the check result, manual participation is reduced, and the insurance policy data correction efficiency can be improved.

In one embodiment, the step of receiving a policy correction request sent by a bank terminal, where the policy correction request carries a plurality of policy identifications and corresponding correction data, includes: receiving a policy correction request sent by a bank terminal, inquiring corresponding policy data according to a policy identifier carried by the policy correction request, and generating a policy correction page by using the inquired policy data; each policy data includes a plurality of fields; the insurance policy correction page is sent to a bank terminal, so that the bank terminal obtains correction operation corresponding to one or more fields on the insurance policy correction page, and the corrected insurance policy data is stored as JSON character strings according to the correction operation; receiving a JSON character string sent by a bank terminal; acquiring a regular expression, and splitting the JSON character string into a plurality of sections of node character strings by using the regular expression; the regular expression comprises one or more target character strings with the correction identification; determining the traversal direction of the multi-section node character strings, traversing the multi-section node character strings according to the traversal direction, screening the corresponding corrected character strings in the multi-section node character strings according to the target character strings in the regular expression, and taking the screened character strings as correction data.

When related personnel of a bank carry out correction operation on one or more fields on the bill correction page, the bank terminal adds correction identification in the corresponding field name according to the correction operation. The wholesale identification is a kind of mark for the field being wholesale. The correction mark may be a preset character or a preset character string inserted at a field name preset position. For example, if the applicant name is changed, a "New" string may be added before the corresponding field name "Policy Holder".

The bank generates a JSON object using the multiple fields of the policy correction page. The JSON object comprises a plurality of nodes, each node comprises a plurality of key value pairs, and each key value pair comprises a key name and a key value. One key name may correspond to multiple key values, each of which may be a key-value pair. For example, a JSON object may be:

{{“new id”:”4628912”,

"new polarity holder": name ": hotel", "code": 20929: "business": hotel "}

“duration of insurance”:[“2015”,”03”,”09”,”2020”,”3”,”09”],

“premium”:”2000”,}

{“new id”:”4628913”,

"polarity holder": name { "name": bank "," code ": 34770:" 286 "," business ": bank" }

“new duration of insurance”:[“2013”,”01”,”01”,”2018”,”12”,”01”],

“premium”:”2000”,}}

The JSON object comprises two nodes, and each node comprises 4 key value pairs. The key name "new polarity holder" corresponds to the three key values "name": hotel "," code ": 20929 × 211" and "business": hotel ". Multiple nodes in the JSON object include the same key name. And the server converts the JSON object into a JSON character string to obtain target policy data.

The server prestores a first regular expression, which includes a start identifier and an end identifier. For example, the first regular expression may be: "\\\\\? \ \ new polarity holder \ \ new polarity \? \ \ duration of origin \ \ \? \ \ \ \ premum \ \ \? \ \ \\ ". Wherein the start identifier is a key name id and the end identifier is a key-value pair whose key name is premium. The server splits the JSON character string into a plurality of sections of node character strings by using the first regular expression. For example, one of the node strings may be "" new id ": 4628912", "new policy hold r": name ": hotel", "code": 20929 × 211 "," business ": hotel" } "duration on of instance" [ "2015", "03", "09", "2020", "03", "09" ], premium ": 2000" "and the like.

The underwriting server acquires a plurality of preset useless characters, such as '{', ',', '[', ']', spaces and the like. Before splitting the JSON character string, the underwriting server can match a plurality of useless characters with a plurality of characters in the JSON character string respectively, and filter the successfully matched characters in the JSON character string. Useless characters in the JSON character string are filtered, the length of the JSON character string can be reduced, and therefore the traversing time of the JSON character string can be reduced.

Because the data needing to be corrected in different insurance policies may be different, the corrected data needing to be extracted in the character strings of the corresponding nodes are also different. The underwriting server thereby presets a plurality of second regular expressions. Each second regular expression comprises one or more target character strings with the correction identifications. For example, the second regular expression may be: "\\\\\? \ \ new polarity holder \ \ new polarity \? \ \ and ", so that the target string includes the key names" new id "and" new polarity holder name "and the corresponding key values, respectively.

Each second regular expression has a corresponding traversal direction for the node string. In other words, the underwriting server needs to determine, for each second regular expression, a corresponding traversal direction for the node string. Specifically, the underwriting server determines the traversal direction of the node character string according to the position of the character string matched with the second regular expression in the node character string. Because a plurality of node character strings have the same key name, the traversing direction of all the node character strings can be determined by the position of the character string matched with the second regular expression in one node character string. And the underwriting server randomly acquires a section of node character string, performs forward traversal on the section of node character string, and determines the position of the character string matched with the second regular expression in the section of node character string. The location of the node string includes a first location and a second location. Wherein the first position is a position close to the first character of the node character string; the second position is the position near the last character of the string of node characters. When the character string matched with the second regular expression is located at the first position, the server determines the traversal direction of the multi-segment node character string as the first traversal direction. And when the character string matched with the second regular expression is located at the second position, the underwriting server determines the traversal direction of the multi-segment node character string as a second traversal direction. And the underwriting server determines the corresponding traversal direction of the node character string aiming at each second regular expression in the manner.

And the underwriting server calls the multithreading and synchronously traverses the node character strings according to the determined traversal direction. And when traversing to a character string matched with the corresponding second regular expression in one node character string, stopping traversing the node character string, and extracting the character string matched with the second regular expression as correction data. For example, the wholesale data corresponding to the node character string may be "newplakholdername. And the server performs multiple traversals on each section of node character string to search the character string matched with each second regular expression. It is easy to understand that when a section of node character string fails to match a second regular expression, it means that when the corresponding field in the policy corresponding to the node character string is not modified.

And the underwriting server takes the screened character strings as the correction data corresponding to the corresponding insurance policy according to the insurance policy identification, and extracts the correction data. And when the extraction of the correction data is finished, the underwriting server finishes the thread corresponding to the node character string so as to reduce the occupation of server resources. And the underwriting server sends the selected correction data corresponding to the plurality of node character strings to the auditing terminal. The auditing terminal only needs to audit the contents of the warranty data which are subject to the correction, so that the data transmission quantity of the underwriting server can be reduced, the auditing efficiency of the correction data can be improved, and the correction efficiency of the warranty data can be improved.

In a traditional mode, in order to extract correction data, an underwriting server needs to convert JSON character strings into JSON objects, and extract correction data from the JSON objects, but when the data volume of the JSON data is large, the data conversion time is long, and the screening efficiency of the JSON data is reduced. In the embodiment, the JSON character string is divided into the multiple sections by the first regular expression, so that the JSON character string does not need to be converted into the JSON object, and the correction data can be directly extracted from the JSON character string by the second regular expression, so that the efficiency of extracting the correction data from the JSON character string can be improved, and the correction processing efficiency of the policy data can be improved.

In one embodiment, as shown in fig. 3, there is provided a processing apparatus for credit card application information, including: an application module 302, a first underwriting module 304, and a second underwriting module 306, wherein:

the application module 302 is configured to receive an application file sent by an application server, where the application file records a plurality of credit card identifiers and corresponding credit card information; the credit card information includes a bank identification and a credit card type.

The first underwriting module 304 is configured to obtain an underwriting file, where the underwriting file records a combination of multiple bank identifiers and types of credit cards, and corresponding underwriting conditions and policy templates.

And the second underwriting module 306 is used for generating underwriting tasks by using the application files and the underwriting files, sending the underwriting tasks to other servers in the affiliated cluster, enabling the other servers to inquire corresponding underwriting conditions in the underwriting files according to bank identifications and credit card types corresponding to different credit card identifications in the application files, verifying whether corresponding credit card information meets the inquired underwriting conditions, calling multiple threads to inquire corresponding policy templates in the underwriting files according to different credit card identifications when the verification is passed, generating a plurality of corresponding policies in batches by using the corresponding credit card information and the inquired policy templates, and sending the policies to the application servers.

In one embodiment, the application file includes a plurality; the second underwriting module 306 is further configured to calculate data volumes corresponding to the plurality of application files according to the number of credit card identifiers recorded in the application files; monitoring the loads of other underwriting servers in the cluster to which the server belongs; acquiring an optimal matching file of a preset data volume and load, and determining the total data volume of the insurable files which can be processed by a plurality of underwriting servers in the cluster according to the optimal matching file; grouping the plurality of insurable files according to the total data volume; and respectively generating corresponding underwriting tasks by using the underwriting files and the groups of application files, and respectively distributing the underwriting tasks to corresponding underwriting servers in the cluster.

The processing means of the credit card application information may be implemented in the form of a computer program that is executable on a server as shown in fig. 4.

In one embodiment, a server is provided, as shown in FIG. 4, comprising a processor, a storage device, and a network interface connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The storage of the server includes one or more non-volatile storage media, one or more internal memories. The non-volatile storage medium of the server stores an operating system and a computer program. The internal memory of the server provides an environment for the operation of the operating system and computer programs in the non-volatile storage medium. The network interface of the server is used for connecting and communicating with an external terminal through a network, for example, receiving an insurance file sent by an insurance server terminal, and sending an insurance policy and the like to a bank terminal. The computer program is executed by a processor to implement a method of processing credit card application information. The processor, when executing the computer program, may perform the following steps: the underwriting server receives an application file sent by the application server, and the application file records a plurality of credit card identifications and corresponding credit card information; the credit card information comprises a bank identification and a credit card type; the underwriting server acquires an underwriting file, and the underwriting file records the combination of various bank identifications and credit card types, corresponding underwriting conditions and a corresponding insurance policy template; the underwriting server generates underwriting tasks by utilizing the application files and the underwriting files, sends the underwriting tasks to other servers in the affiliated cluster, enables the other servers to inquire corresponding underwriting conditions in the underwriting files according to bank identifications and credit card types corresponding to different credit card identifications in the application files, verifies whether corresponding credit card information meets the inquired underwriting conditions, calls multiple threads to inquire corresponding policy templates in the underwriting files according to different credit card identifications when the verification is passed, generates a plurality of policies in batches by utilizing the corresponding credit card information and the inquired policy templates, and sends the policies to the application servers.

Those skilled in the art will appreciate that the architecture shown in fig. 4 is a block diagram of only a portion of the architecture associated with the subject application, and does not constitute a limitation on the servers to which the subject application applies, as a particular server may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.

In one embodiment, the application file includes a plurality; the processor, when executing the computer program, further performs the steps of: the underwriting server calculates the data volume corresponding to the plurality of application files according to the number of the credit card identifications recorded in the application files; monitoring the loads of other underwriting servers in the cluster to which the server belongs; acquiring an optimal matching file of a preset data volume and load, and determining the total data volume of the insurable files which can be processed by a plurality of underwriting servers in the cluster according to the optimal matching file; grouping the plurality of insurable files according to the total data volume; and respectively generating corresponding underwriting tasks by using the underwriting files and the groups of application files, and respectively distributing the underwriting tasks to corresponding underwriting servers in the cluster.

In one embodiment, the processor, when executing the computer program, further performs the steps of: acquiring historical policy data corresponding to the bank identification; acquiring a high-quality rate model, inputting historical policy data into the high-quality rate model, and calculating the high-quality rate corresponding to the client identification; when the high quality rate reaches a threshold value, adding a periodic settlement tag in the policy corresponding to the bank identification; the periodic settlement tags have corresponding settlement periods; when the settlement period is up, acquiring policy data of a plurality of corresponding policies, extracting a plurality of fields from the policy data, and performing deduplication processing on the extracted fields; and calculating the total premium corresponding to the plurality of insurance policies, generating a combined settlement notice corresponding to the plurality of insurance policies by using the total premium and the plurality of fields after duplication removal, and sending the combined settlement notice to the insurance application server.

In one embodiment, the processor, when executing the computer program, further performs the steps of: generating an application record corresponding to each credit card identification; when receiving a refund file sent by the application server, inquiring corresponding application records according to a plurality of credit card identifiers in the refund file, calculating the amount of the refund fee according to the application records, generating a corresponding refund task by using the amount of the refund fee, and sending the refund task to the account management terminal.

In one embodiment, the processor, when executing the computer program, further performs the steps of: receiving a policy correction request sent by a bank terminal, wherein the policy correction request carries a plurality of policy identifications and corresponding correction data; acquiring corresponding policy data according to the policy identification; the policy data includes a validity period field; verifying the validity of the validity period field and the correction data; and when the verification is passed, calling the multithreading batch to correct the corresponding fields in the corresponding policy data according to the correction data, generating a corresponding policy, and returning the policy to the bank terminal.

In one embodiment, the processor, when executing the computer program, further performs the steps of: receiving a policy correction request sent by a bank terminal, inquiring corresponding policy data according to a policy identifier carried by the policy correction request, and generating a policy correction page by using the inquired policy data; each policy data includes a plurality of fields; the insurance policy correction page is sent to a bank terminal, so that the bank terminal obtains correction operation corresponding to one or more fields on the insurance policy correction page, and the corrected insurance policy data is stored as JSON character strings according to the correction operation; receiving a JSON character string sent by a bank terminal; acquiring a regular expression, and splitting the JSON character string into a plurality of sections of node character strings by using the regular expression; the regular expression comprises one or more target character strings with the correction identification; determining the traversal direction of the multi-section node character strings, traversing the multi-section node character strings according to the traversal direction, screening the corresponding corrected character strings in the multi-section node character strings according to the target character strings in the regular expression, and taking the screened character strings as correction data.

In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored which, when executed by a processor, implements the computer program to: the underwriting server receives an application file sent by the application server, and the application file records a plurality of credit card identifications and corresponding credit card information; the credit card information comprises a bank identification and a credit card type; the underwriting server acquires an underwriting file, and the underwriting file records the combination of various bank identifications and credit card types, corresponding underwriting conditions and a corresponding insurance policy template; the underwriting server generates underwriting tasks by utilizing the application files and the underwriting files, sends the underwriting tasks to other underwriting servers in the affiliated cluster, enables the other underwriting servers to inquire corresponding underwriting conditions in the underwriting files according to bank identifications and credit card types corresponding to different credit card identifications in the application files, verifies whether corresponding credit card information meets the inquired underwriting conditions, calls multiple threads to inquire corresponding policy templates in the underwriting files according to different credit card identifications when the verification is passed, generates a plurality of policies in batches by utilizing the corresponding credit card information and the inquired policy templates, and sends the policies to the application servers.

In one embodiment, the application file includes a plurality; the computer program when executed by the processor further performs the steps of: the underwriting server calculates the data volume corresponding to the plurality of application files according to the number of the credit card identifications recorded in the application files; monitoring the loads of other underwriting servers in the cluster to which the server belongs; acquiring an optimal matching file of a preset data volume and load, and determining the total data volume of the insurable files which can be processed by a plurality of underwriting servers in the cluster according to the optimal matching file; grouping the plurality of insurable files according to the total data volume; and respectively generating corresponding underwriting tasks by using the underwriting files and the groups of application files, and respectively distributing the underwriting tasks to corresponding underwriting servers in the cluster.

In one embodiment, the computer program when executed by the processor further performs the steps of: acquiring historical policy data corresponding to the bank identification; acquiring a high-quality rate model, inputting historical policy data into the high-quality rate model, and calculating the high-quality rate corresponding to the client identification; when the high quality rate reaches a threshold value, adding a periodic settlement tag in the policy corresponding to the bank identification; the periodic settlement tags have corresponding settlement periods; when the settlement period is up, acquiring policy data of a plurality of corresponding policies, extracting a plurality of fields from the policy data, and performing deduplication processing on the extracted fields; and calculating the total premium corresponding to the plurality of insurance policies, generating a combined settlement notice corresponding to the plurality of insurance policies by using the total premium and the plurality of fields after duplication removal, and sending the combined settlement notice to the insurance application server.

In one embodiment, the computer program when executed by the processor further performs the steps of: generating an application record corresponding to each credit card identification; when receiving a refund file sent by the application server, inquiring corresponding application records according to a plurality of credit card identifiers in the refund file, calculating the amount of the refund fee according to the application records, generating a corresponding refund task by using the amount of the refund fee, and sending the refund task to the account management terminal.

In one embodiment, the computer program when executed by the processor further performs the steps of: receiving a policy correction request sent by a bank terminal, wherein the policy correction request carries a plurality of policy identifications and corresponding correction data; acquiring corresponding policy data according to the policy identification; the policy data includes a validity period field; verifying the validity of the validity period field and the correction data; and when the verification is passed, calling the multithreading batch to correct the corresponding fields in the corresponding policy data according to the correction data, generating a corresponding policy, and returning the policy to the bank terminal.

In one embodiment, the computer program when executed by the processor further performs the steps of: receiving a policy correction request sent by a bank terminal, inquiring corresponding policy data according to a policy identifier carried by the policy correction request, and generating a policy correction page by using the inquired policy data; each policy data includes a plurality of fields; the insurance policy correction page is sent to a bank terminal, so that the bank terminal obtains correction operation corresponding to one or more fields on the insurance policy correction page, and the corrected insurance policy data is stored as JSON character strings according to the correction operation; receiving a JSON character string sent by a bank terminal; acquiring a regular expression, and splitting the JSON character string into a plurality of sections of node character strings by using the regular expression; the regular expression comprises one or more target character strings with the correction identification; determining the traversal direction of the multi-section node character strings, traversing the multi-section node character strings according to the traversal direction, screening the corresponding corrected character strings in the multi-section node character strings according to the target character strings in the regular expression, and taking the screened character strings as correction data.

It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a non-volatile computer-readable storage medium, and can include the processes of the embodiments of the methods described above when the computer program is executed. The computer readable storage medium may be a non-volatile storage medium such as a magnetic disk, an optical disk, a Read-Only Memory (ROM), and the like.

The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.

The above examples only show some embodiments of the present invention, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the inventive concept, which falls within the scope of the present invention. Therefore, the protection scope of the present patent shall be subject to the appended claims.

Claims

1. A credit card application information processing method comprises the following steps:

the underwriting server monitors the loads of other underwriting servers in the cluster to which the underwriting server belongs, and determines a load interval corresponding to each other underwriting server in the cluster;

the underwriting server acquires the preset data volume and the optimal matching file of the load, and determines the total data volume of the insurable files which can be processed by a plurality of underwriting servers in the cluster according to the load interval corresponding to each other underwriting server in the cluster and the optimal matching file; a plurality of data volume intervals and corresponding load intervals are recorded in the optimal matching file; the load interval comprises an interval combination of a CPU resource utilization rate interval, a memory occupancy rate interval and a target database storage space interval;

and the underwriting server groups the plurality of application files according to the total data volume, respectively generates corresponding underwriting tasks by using the underwriting files and the groups of application files, respectively distributes the plurality of underwriting tasks to corresponding underwriting servers in the cluster, so that the corresponding underwriting servers inquire corresponding underwriting conditions in the underwriting files according to bank identifications and credit card types corresponding to different credit card identifications in the application files, verify whether corresponding credit card information meets the inquired underwriting conditions, call multiple threads to inquire corresponding policy templates in the underwriting files according to different credit card identifications when the verification is passed, generate a plurality of policies in batches by using the corresponding credit card information and the inquired policy templates, and send the plurality of policies to the application servers.

2. The method of claim 1, wherein the load of the underwriting server comprises CPU resource usage, memory occupancy, or target database storage space.

3. The method of claim 1, further comprising, after the step of bulk generating a corresponding plurality of policies using the corresponding credit card information and the queried policy template:

acquiring historical policy data corresponding to the bank identification;

4. The method according to claim 3, wherein the high-quality rate model is F ═ historical high-quality rate a% + maximum premium b% + advanced settlement rate c% -excess settlement rate d% -out-of-risk rate e% -high-age application percentage F% + submenu amount g%; wherein F is the high-quality rate, a% -g% represents the adjusting factor corresponding to the corresponding parameter factor, the advance settlement rate is advance settlement amount/total premium + advance settlement time/settlement period, the insurance rate is the proportion of the insurance premium to the total premium, and the high-age insurance duty ratio is the proportion of the number of the insured persons with the age exceeding the threshold to the total number of the insured persons.

5. The method of claim 1, further comprising, after the step of sending the plurality of policies to an application server:

6. The method of claim 1, further comprising:

verifying the validity of the validity period field and the correction data;

7. The method according to claim 6, wherein the step of receiving a policy modification request sent by a bank terminal, wherein the policy modification request carries a plurality of policy identifications and corresponding modification data, comprises:

receiving a JSON character string sent by a bank terminal;

8. A processing apparatus for credit card application information, comprising:

the second underwriting module is used for calculating the data volume corresponding to each of the plurality of application files according to the number of the credit card identifications recorded in the application files; monitoring the loads of other underwriting servers in the cluster to which the server belongs, and determining a load interval corresponding to each other underwriting server in the cluster; acquiring an optimal matching file of a preset data volume and load, and determining the total data volume of the insurable files which can be respectively processed by a plurality of underwriting servers in the cluster according to the load interval corresponding to each other underwriting server in the cluster and the optimal matching file; a plurality of data volume intervals and corresponding load intervals are recorded in the optimal matching file; the load interval comprises an interval combination of a CPU resource utilization rate interval, a memory occupancy rate interval and a target database storage space interval; grouping a plurality of insurable files according to the total data volume; the method comprises the steps of respectively generating corresponding underwriting tasks by utilizing underwriting files and each group of application files, respectively distributing a plurality of underwriting tasks to corresponding underwriting servers in a cluster, enabling the corresponding underwriting servers to inquire corresponding underwriting conditions in the underwriting files according to bank identifications and credit card types corresponding to different credit card identifications in the application files, checking whether corresponding credit card information meets the inquired underwriting conditions, calling multiple threads to inquire corresponding policy templates in the underwriting files according to different credit card identifications when the checking is passed, generating a plurality of policies in batches by utilizing the corresponding credit card information and the inquired policy templates, and sending the policies to the application servers.

9. A server comprising a storage device having a computer program stored thereon and a processor that, when executing the computer program, performs the steps of the method of any of claims 1-7.

10. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.