CN108985946A - A kind of processing method and server of declaration form - Google Patents
A kind of processing method and server of declaration form Download PDFInfo
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- CN108985946A CN108985946A CN201810613122.6A CN201810613122A CN108985946A CN 108985946 A CN108985946 A CN 108985946A CN 201810613122 A CN201810613122 A CN 201810613122A CN 108985946 A CN108985946 A CN 108985946A
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- 238000003672 processing method Methods 0.000 title claims abstract description 22
- 238000000034 method Methods 0.000 claims abstract description 10
- 238000004590 computer program Methods 0.000 claims description 15
- 230000000116 mitigating effect Effects 0.000 abstract description 4
- 230000006870 function Effects 0.000 description 5
- 238000010586 diagram Methods 0.000 description 4
- 230000008901 benefit Effects 0.000 description 3
- 230000002452 interceptive effect Effects 0.000 description 3
- 230000004048 modification Effects 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000005540 biological transmission Effects 0.000 description 1
- 230000010485 coping Effects 0.000 description 1
- 230000001419 dependent effect Effects 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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Abstract
The present invention is suitable for field of computer technology, provides the processing method and server of a kind of declaration form, comprising: obtains the insured amount abatement solicited message that terminal is sent；Protection amount abatement solicited message includes the unique identification of declaration form；The policy information of declaration form is obtained according to the unique identification of the declaration form in insured amount abatement solicited message；According to main dangerous initial insured amount and accessory risk the initial protection amount in policy information, determine that the abatement of main dangerous abatement protection amount and accessory risk is insured amount；The abatement of accessory risk is insured amount to be greater than main dangerous abatement protection amount；According to the insured amount policy information for updating declaration form of abatement of main dangerous abatement protection amount and accessory risk.The present invention passes through when cutting down insured amount, the abatement for controlling accessory risk is insured amount insured amount greater than main dangerous abatement, the insured amount abatement amplitude for reducing accessory risk can preferably ensure the equity of client to reduce customer complaint, to achieve the purpose that the pressure for mitigating server process customer complaint information.
Description
Technical field
The invention belongs to field of computer technology more particularly to the processing methods and server of a kind of declaration form.
Background technique
Currently, people can buy accessory risk while buying main danger, to enjoy the double shield of main danger and accessory risk.
Wherein, main danger is called basic insurance, refers to and is not required to be attached under other risks, the risk that can independently accept insurance.Main danger includes
Whole life insurance, endowment insurance etc..Accessory risk just refers to the insurance kind that cannot individually insure.People must buy it is a main dangerous
Under the premise of, corresponding guarantee interests could be enjoyed by adding these insurance kinds.Accessory risk includes term life, hospitalization benefit, serious illness insurance
Deng.
Currently, after insurer buys main danger and accessory risk simultaneously, when the time limit of paying the fees is less than, due to economic condition
Or other reasons, when being not desired to continue to pay premium, insurance management system can set failure state for the declaration form of the insurer, this
Sample one can cause more customer complaint, and then cause insurance management system that processing is needed largely to complain after sale, increase data
Processing load.
Summary of the invention
In view of this, the embodiment of the invention provides a kind of processing method of declaration form and server, to solve the prior art
In, client causes customer complaint due to premium is paid in stopping leads to the main danger bought and accessory risk when the payment phase is less than,
And then cause insurance management system that processing is needed largely to complain after sale, increase data processing load problem.
The first aspect of the embodiment of the present invention provides a kind of processing method of declaration form, comprising:
Obtain the insured amount abatement solicited message that terminal is sent；Wherein, the insured amount abatement solicited message is less than for requesting
When the payment time limit stops paying premium, maintaining declaration form insuring by way of the protection amount for cutting down main dangerous protection amount and accessory risk
Effective status is in time limit；The insured amount abatement solicited message includes the unique identification of declaration form；
The policy information of the declaration form is obtained according to the unique identification of the declaration form in the insured amount abatement solicited message；
Wherein, the policy information includes main danger mark, accessory risk mark, main dangerous initial insured amount and accessory risk initial protection amount；
According to the initial protection amount of the main dangerous initial insured amount and described accessory risk in the policy information, institute is determined
The abatement for stating main dangerous abatement protection amount and the accessory risk is insured amount；Wherein, abatement protection amount refers on the basis of initial insured amount
Protection amount after being cut down, the abatement of the accessory risk is insured amount to be greater than the main dangerous abatement protection amount；
According to the insured amount policy information for updating the declaration form of abatement of main dangerous the abatement protection amount and the accessory risk.
The second aspect of the embodiment of the present invention provides a kind of server, including memory, processor and is stored in institute
The computer program that can be run in memory and on the processor is stated, the processor executes real when the computer program
Existing following steps:
Obtain the insured amount abatement solicited message that terminal is sent；Wherein, the insured amount abatement solicited message is less than for requesting
When the payment time limit stops paying premium, maintaining declaration form insuring by way of the protection amount for cutting down main dangerous protection amount and accessory risk
Effective status is in time limit；The insured amount abatement solicited message includes the unique identification of declaration form；
The policy information of the declaration form is obtained according to the unique identification of the declaration form in the insured amount abatement solicited message；
Wherein, the policy information includes main danger mark, accessory risk mark, main dangerous initial insured amount and accessory risk initial protection amount；
According to the initial protection amount of the main dangerous initial insured amount and described accessory risk in the policy information, institute is determined
The abatement for stating main dangerous abatement protection amount and the accessory risk is insured amount；Wherein, abatement protection amount refers on the basis of initial insured amount
Protection amount after being cut down, the abatement of the accessory risk is insured amount to be greater than the main dangerous abatement protection amount；
According to the insured amount policy information for updating the declaration form of abatement of main dangerous the abatement protection amount and the accessory risk.
The third aspect of the embodiment of the present invention provides a kind of computer readable storage medium, the computer-readable storage
Media storage has computer program, and the computer program performs the steps of when being executed by processor
Obtain the insured amount abatement solicited message that terminal is sent；Wherein, the insured amount abatement solicited message is less than for requesting
When the payment time limit stops paying premium, maintaining declaration form insuring by way of the protection amount for cutting down main dangerous protection amount and accessory risk
Effective status is in time limit；The insured amount abatement solicited message includes the unique identification of declaration form；
The policy information of the declaration form is obtained according to the unique identification of the declaration form in the insured amount abatement solicited message；
Wherein, the policy information includes main danger mark, accessory risk mark, main dangerous initial insured amount and accessory risk initial protection amount；
According to the initial protection amount of the main dangerous initial insured amount and described accessory risk in the policy information, institute is determined
The abatement for stating main dangerous abatement protection amount and the accessory risk is insured amount；Wherein, abatement protection amount refers on the basis of initial insured amount
Protection amount after being cut down, the abatement of the accessory risk is insured amount to be greater than the main dangerous abatement protection amount；
According to the insured amount policy information for updating the declaration form of abatement of main dangerous the abatement protection amount and the accessory risk.
The processing method and server for implementing a kind of declaration form provided in an embodiment of the present invention have the advantages that
The embodiment of the present invention, when the less than payment time limit stopping paying premium, by cutting down main dangerous protection amount and adding
The insured amount mode of danger maintains declaration form, in effective status, to be greater than since the abatement of accessory risk is insured amount main dangerous within insurance period
Abatement is insured amount, so that the protection amount after accessory risk abatement is greater than the protection amount after main danger abatement, rather than the protection amount of accessory risk is cut down
Based on dangerous abatement it is insured amount, reduce the insured amount abatement amplitude of accessory risk in this way, can preferably ensure the equity of client to subtract
Few customer complaint, to achieve the purpose that the pressure for mitigating server process customer complaint information.
Detailed description of the invention
It to describe the technical solutions in the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art
Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description is only of the invention some
Embodiment for those of ordinary skill in the art without any creative labor, can also be according to these
Attached drawing obtains other attached drawings.
Fig. 1 is a kind of implementation flow chart of the processing method for declaration form that one embodiment of the invention provides；
Fig. 2 is a kind of specific implementation flow chart of S103 in embodiment shown in FIG. 1；
Fig. 3 is another specific implementation flow chart of S103 in embodiment shown in FIG. 1；
Fig. 4 be another embodiment of the present invention provides a kind of declaration form processing method implementation flow chart；
Fig. 5 is a kind of structural block diagram for server that one embodiment of the invention provides；
Fig. 6 be another embodiment of the present invention provides a kind of server schematic diagram.
Specific embodiment
In order to make the objectives, technical solutions, and advantages of the present invention clearer, with reference to the accompanying drawings and embodiments, right
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
Referring to Figure 1, Fig. 1 is a kind of implementation flow chart of the processing method for declaration form that one embodiment of the invention provides.This
The executing subject of the processing method of declaration form is server in embodiment.The processing method of declaration form as shown in the figure may include following step
It is rapid:
S101: the insured amount abatement solicited message that terminal is sent is obtained；Wherein, the insured amount abatement solicited message is for requesting
When the less than payment time limit stops paying premium, maintaining declaration form to exist by way of the protection amount for cutting down main dangerous protection amount and accessory risk
Effective status is in insurance period；The insured amount abatement solicited message includes the unique identification of declaration form.
When client needs to handle abatement protection amount business, business handling personnel can log in insurance management system with operation control terminal
System, terminal obtain the unique identification for the client that business handling personnel are inputted by interactive interface, or obtain information and identify equipment
The unique identification of client for reading and sending.
Terminal is in the unique identification for getting client, by the inquiry of the unique identifications such as the identification card number of client with client's
The associated declaration form of unique identification shows the letter of the declaration form found when finding declaration form associated with the unique identification of client
Breath learns the insurance that the client has bought so as to business handling personnel, so that business handling personnel or client therefrom determine and need to disappear
Subtract insured amount insurance, is protected so that business handling personnel choose from the associated declaration form of the unique identification of client comprising abatement
The declaration form of the insurance of volume, to generate insured amount abatement request by interactive interface terminal.
Or terminal can also be searched according to the unique identification of client and be associated in the unique identification for getting client
The insurance bought of the client, and the insurance that the client found has bought is shown, for business handling personnel or visitor
Family, which therefrom determines, to need to cut down insured amount insurance so that business handling personnel choose comprising need to cut down insured amount main danger with
And the declaration form of accessory risk, to generate insured amount abatement request by interactive interface triggering terminal, and insured amount abatement is sent to server
Request.When protection amount abatement solicited message is for requesting less than payment time limit to stop paying premium, by cut down main dangerous protection amount with
And the insured amount mode of accessory risk maintains declaration form within insurance period in effective status.Protection amount abatement request includes comprising main danger
The declaration form of the declaration form of information and accessory risk information identifies, and can also include the terminal mark for sending the terminal of insured amount abatement request
Know.Terminal iidentification is used to receive the result information of server feedback.
Server obtains the insured amount abatement solicited message that terminal is sent.
S102: the declaration form of the declaration form is obtained according to the unique identification of the declaration form in the insured amount abatement solicited message
Information；Wherein, the policy information include main danger mark, it is accessory risk mark, main dangerous initial insured amount and accessory risk initial
It is insured amount.
Be previously stored with multiple declaration form files in declaration form database, include policy information in declaration form file, declaration form file with
The form of text document exists or form exists.One declaration form file may include the relevant information of a declaration form, at this time
Declaration form file can be named by the unique identification of declaration form.Each declaration form has a unique identification, such as number of policy.Each
The information of declaration form and its unique identification have incidence relation.When a declaration form file includes the relevant information of multiple declaration forms, clothes
Business device can be got and the associated policy information of unique identification by the unique identification of declaration form.Declaration form database can be server
Local data base, be also possible to non-local data library, herein with no restrictions.
Server is when getting the unique identification of declaration form from protection amount abatement solicited message, according to the unique identification of declaration form
The matched declaration form file of unique identification with declaration form is obtained from declaration form database, and the guarantor of the declaration form is obtained from declaration form file
Single information；Or server from protection amount abatement solicited message in get the unique identification of declaration form when, according to the unique of declaration form
It identifies and obtains the declaration form file comprising the unique identification from declaration form database, and acquisition and unique identification from the declaration form file
Associated policy information.
Policy information include purchase main dangerous information and with the main associated accessory risk information in danger.Master in one declaration form
Dangerous information and accessory risk information are associated by the unique identification of the declaration form, and server is according to the unique identification of declaration form
Get main dangerous information and accessory risk information associated with it.Main danger information includes at least main dangerous main danger mark and main danger
Initial protection amount；Accessory risk information includes at least the accessory risk mark of accessory risk and the initial protection amount of accessory risk.It is initial insured amount
It is the protection amount arranged in purchase.
Under normal conditions, the main dangerous initial insured amount initial protection amount for being greater than or equal to accessory risk.Optionally, policy information is also
It may include customer information.Customer information may include the age of insurant, occupation etc..Customer information is determined for disappearing
Subtract coefficient.Abatement coefficient is used to calculate main dangerous abatement protection amount and the abatement of accessory risk is insured amount.Abatement protection amount refers to initial
Protection amount after being cut down on the basis of protection amount.
Since policy information and the unique identification of declaration form have incidence relation, server can be obtained by the unique identification of declaration form
It takes and the associated customer information of the unique identification.
S103: according to the initial protection amount of the main dangerous initial insured amount and described accessory risk in the policy information,
Determine that the abatement of main dangerous the abatement protection amount and the accessory risk is insured amount；Wherein, abatement protection amount refers in initial protection amount
On the basis of cut down after protection amount, the abatement of the accessory risk is insured amount, and to be greater than the main dangerous abatement insured amount.
Server comes into force duration according to the effective date and current date definite policy that include in policy information, and determines
It is in the insurance period in policy information in the declaration form duration that comes into force, and when the declaration form is in effective status, according to policy information
In main dangerous initial insured amount and accessory risk initial protection amount, determine that main dangerous abatement is insured amount and the abatement of accessory risk is protected
Volume.
In one embodiment, server gets main dangerous initial insured amount and accessory risk initial from policy information
When insured amount, it can be identified according to insurance kind and cut down the default corresponding relationship between protection amount, obtained and identify matched abatement with main danger
It is insured amount to obtain main dangerous abatement for protection amount；And it obtains and identifies the insured amount abatement guarantor for obtaining accessory risk of matched abatement with accessory risk
Volume.Wherein, the initial protection amount of the abatement protection amount < accessory risk of main dangerous abatement protection amount < accessory risk.Insurance kind mark and abatement protection amount
Between default corresponding relationship include: it is main danger mark abatement protection amount between default corresponding and additional insurance kind mark with abatement protect
Default correspondence between volume.
In another embodiment, it when protection amount abatement solicited message further includes customer information, is stored in advance in server
There is the main dangerous abatement by all ages and classes, different occupation and different main danger mark settings insured amount, dangerous abatement main at this time is protected
Volume and main dangerous insurance kind, age, occupation correspond.Server can be according to the customer information in insured amount abatement solicited message
(age, occupation etc.), main danger mark acquisition and customer information and the main matched abatement of danger mark are insured amount, obtain main dangerous disappear
Subtract protection amount.
Server is after determining that main dangerous abatement is insured amount, according to the initial protection amount of main dangerous abatement protection amount and accessory risk
Determine that the abatement of accessory risk is insured amount.The abatement protection amount of accessory risk can be the initial protection amount of main dangerous abatement protection amount and accessory risk
Between arbitrary value so that, the initial protection amount for cutting down protection amount < accessory risk of main dangerous abatement protection amount < accessory risk.
Further, in one embodiment, referring to Fig. 2, Fig. 2 is a kind of tool of S103 in embodiment shown in FIG. 1
Body implementation flow chart.S103 may include S1031~S1033, and S1031~S1033 is specific as follows:
S1031: the initial insured amount and described main dangerous initial protection amount of the accessory risk in the policy information is calculated
Quotient, obtain insured amount abatement ratio.
Wherein, initial insured amount/main dangerous initial protection amount of insured amount abatement ratio=accessory risk, it is to be understood that at it
The expression formula of insured amount abatement ratio may is that insured amount abatement ratio=main dangerous initial protection amount/accessory risk in his embodiment
It is initial insured amount.
S1032: identifying according to insurance kind and cut down the default corresponding relationship between protection amount, obtains and matches with the main danger mark
Abatement it is insured amount, it is insured amount to obtain the main dangerous abatement.
S1033: according to the insured amount abatement ratio and the main insured amount abatement for determining the accessory risk of dangerous abatement
It is insured amount.
Wherein, the abatement of accessory risk is insured amount can be cut down based on the initial protection amount of accessory risk in insured amount abatement ratio,
Server can also be insured amount and attached according to insured amount abatement ratio and the insured amount maximum abatement for determining accessory risk of main dangerous abatement
Add dangerous minimum insured amount, according to the insured amount abatement guarantor for determining accessory risk of the maximum abatement of the minimum protection amount of accessory risk and accessory risk
Volume, so that the maximum that the abatement protection amount of accessory risk is less than accessory risk is insured amount, and the abatement protection amount of accessory risk is greater than accessory risk
It is minimum insured amount.The minimum of accessory risk is insured amount to be greater than or equal to main dangerous abatement protection amount.
Further, S1033 is specifically as follows: calculating the insured amount abatement ratio and the main dangerous abatement protection amount
Product, the abatement for obtaining the accessory risk are insured amount.
Wherein, when insured amount abatement ratio=accessory risk it is initial insured amount/main dangerous initial insured amount when, the abatement of accessory risk is protected
Volume=(initial insured amount/main dangerous initial protection amount of accessory risk) × main dangerous abatement is insured amount.
It is understood that when insured amount abatement ratio=main dangerous initial protection amount/accessory risk is initial insured amount, accessory risk
Insured amount=main dangerous abatement protection amount/(the initial protection amount of main dangerous initial protection amount/accessory risk)=accessory risk of abatement initial guarantor
Volume/main dangerous initial protection amount) × main dangerous abatement is insured amount.
Further, S1033 can be with specifically: and it is insured amount according to the insured amount abatement ratio and the main dangerous abatement,
The minimum abatement of the maximum abatement protection amount and the accessory risk that determine the accessory risk is insured amount；Wherein, the accessory risk is most
Small abatement is insured amount to be greater than or equal to the main dangerous abatement protection amount；
Minimum abatement according to the maximum abatement protection amount of the accessory risk and the accessory risk is insured amount, determines described additional
The abatement of danger is insured amount.
Specifically, server can disappear according to insured amount abatement ratio and the main insured amount maximum for determining accessory risk of dangerous abatement
Subtract insured amount and accessory risk minimum protection amount, the maximum abatement protection amount determination according to the minimum protection amount of accessory risk and accessory risk is attached
Add dangerous abatement insured amount, so that the insured amount maximum for being less than accessory risk of the abatement of accessory risk is insured amount, and the abatement of accessory risk is insured amount
It is insured amount greater than the minimum of accessory risk.The minimum of accessory risk is insured amount to be greater than or equal to main dangerous abatement protection amount.
Due to initial insured amount/main dangerous initial protection amount of insured amount abatement ratio=accessory risk, then the maximum of accessory risk disappears
Subtract insured amount=insured amount abatement ratio × main dangerous abatement protect=main dangerous abatement guarantor × accessory risk is initial insured amount/main dangerous initial
It is insured amount.
The abatement protection amount of accessory risk can be the insured amount arbitrary value between the minimum protection amount of accessory risk of maximum of accessory risk.
Further, in another embodiment, when policy information further includes customer information, customer information include the age,
When professional, server can also determine abatement ratio according to customer information, according to the abatement main danger of ratio-dependent, referring to Fig. 3, figure
3 be another specific implementation flow chart of S103 in embodiment shown in FIG. 1.S103 may include S1034~S1035, service
Device can execute S1031~S1033 or S1034~S1035 after executing S102, and S1034~S1035 is specific as follows:
S1034: abatement coefficient is determined according to the customer information.
Server can by age and coefficient is cut down in professional the two dimensions setting, at this point, total by age and occupation
With a determining abatement coefficient.Server obtains age and occupation letter when getting customer information from the customer information
Breath, and according to age and occupational information inquiry and age and the matched abatement coefficient of occupational information.
S1035: according to the initial protection amount of the abatement coefficient, the main dangerous initial insured amount and described accessory risk, meter
The abatement for calculating main dangerous the abatement protection amount and the accessory risk is insured amount.
Server determine cut down coefficient when, according to get it is main it is dangerous it is initial it is insured amount, accessory risk it is initial it is insured amount with
And the abatement coefficient determined, it calculates the product between abatement coefficient and main dangerous initial protection amount and obtains main dangerous abatement protection amount, meter
It calculates the product between abatement coefficient and the initial protection amount of accessory risk and obtains the abatement protection amount of accessory risk.
It is understood that in other embodiments, server can be in advance the attached dangerous combination settings abatement of each master
Coefficient, at this point, a main danger mark determines that an abatement coefficient, server are getting main danger with an accessory risk mark jointly
It is available that corresponding abatement system is combined with the insurance that accessory risk mark forms by main danger mark when mark and accessory risk identify
Number, and the product for calculating the initial protection amount of the abatement coefficient and accessory risk obtains the abatement protection amount of accessory risk, calculates the abatement coefficient
It is insured amount that main dangerous abatement is obtained with the product of main dangerous initial protection amount.
That is, the abatement protection amount of accessory risk=initial protection amount of abatement coefficient × accessory risk；Main dangerous abatement protection amount=abatement
Coefficient × main dangerous initial protection amount.
S104: according to the insured amount declaration form for updating the declaration form of abatement of main dangerous the abatement protection amount and the accessory risk
Information.
Server is labeled as the corresponding declaration form of policy information got according to insured amount abatement solicited message to pay up state,
The protection amount that accessory risk in the declaration form is modified according to the abatement premium of accessory risk, according to main dangerous abatement premium in the modification declaration form
Main dangerous protection amount, to enable the terminals to show updated policy information.
It is understood that server is in updating policy information when protection amount abatement solicited message includes terminal iidentification
Main dangerous protection amount and accessory risk protection amount after, insured amount abatement successfully notice can be fed back to terminal according to terminal iidentification
Message, to notify terminal to re-download and show updated policy information.
The embodiment of the present invention, when the less than payment time limit stopping paying premium, by cutting down main dangerous protection amount and adding
The insured amount mode of danger maintains declaration form, in effective status, to be greater than since the abatement of accessory risk is insured amount main dangerous within insurance period
Abatement is insured amount, so that the protection amount after accessory risk abatement is greater than the protection amount after main danger abatement, rather than the protection amount of accessory risk is cut down
Based on dangerous abatement it is insured amount, reduce the insured amount abatement amplitude of accessory risk in this way, can preferably ensure the equity of client to subtract
Few customer complaint, to achieve the purpose that the pressure for mitigating server process customer complaint information.
Refer to Fig. 4, Fig. 4 be another embodiment of the present invention provides a kind of declaration form processing method implementation flow chart.
The executing subject of the processing method of declaration form is server in the present embodiment.The processing method of declaration form as shown in the figure may include following
Step:
S201: the insured amount abatement solicited message that terminal is sent is obtained；Wherein, the insured amount abatement solicited message is for requesting
When the less than payment time limit stops paying premium, maintaining declaration form to exist by way of the protection amount for cutting down main dangerous protection amount and accessory risk
Effective status is in insurance period；The insured amount abatement solicited message includes the unique identification of declaration form.
S201 in present embodiment is identical as the S101 in a upper embodiment, referring specifically in a upper embodiment
The associated description of S101, does not repeat herein.
S202: the declaration form of the declaration form is obtained according to the unique identification of the declaration form in the insured amount abatement solicited message
Information；Wherein, the policy information include main danger mark, it is accessory risk mark, main dangerous initial insured amount and accessory risk initial
It is insured amount.
S202 in present embodiment is identical as the S102 in a upper embodiment, referring specifically in a upper embodiment
The associated description of S102, does not repeat herein.
S203: according to the initial protection amount of the main dangerous initial insured amount and described accessory risk in the policy information,
Determine that the abatement of main dangerous the abatement protection amount and the accessory risk is insured amount；Wherein, abatement protection amount refers in initial protection amount
On the basis of cut down after protection amount, the abatement of the accessory risk is insured amount, and to be greater than the main dangerous abatement insured amount.
S203 in present embodiment is identical as the S103 in a upper embodiment, referring specifically in a upper embodiment
The associated description of S103, does not repeat herein.
S204: identifying according to insurance kind and cut down the default corresponding relationship between protection amount, obtains and accessory risk mark
The abatement matched is insured amount.
When server gets accessory risk mark from policy information, it can be identified and be cut down between protection amount according to insurance kind
Default corresponding relationship obtains and identifies matched abatement protection amount with accessory risk.
Server get with accessory risk identify matched abatement it is insured amount when, the matched abatement protection amount that will acquire and
The abatement protection amount of the accessory risk of determination is compared in S203, when the matched abatement protection amount got is greater than determination in S203
When the abatement protection amount of accessory risk, S205 is executed, S206 is otherwise jumped to.
S205: when the insured amount abatement protection amount for being greater than the accessory risk of the matched abatement, described matched disappear is calculated
Subtract the difference between the abatement protection amount of the insured amount and described accessory risk, and the difference is retracted into payment account；Wherein, the payment
Account is obtained according to the associated payment record of the unique identification of the declaration form.
Server when determining the insured amount abatement protection amount for being greater than accessory risk of matched abatement, calculate matched abatement it is insured amount and
Difference between the abatement of accessory risk is insured amount, and the unique identification for the declaration form for including according to insured amount abatement solicited message is obtained and is somebody's turn to do
The associated payment record of unique identification, obtains payment account and collecting account from payment record, to capital management server
Refund request is sent, refund request includes payment account, collecting account and difference, so that capital management server is receiving
When to refund request, return from collecting account from by difference to payment account, payment account is when client buys insurance for branch
The fund account of premium is paid, collecting account is the fund account for collecting premium.
It is understood that server, can be according to terminal when payment account has not been obtained in other real-time modes
The request for sending to terminal and obtaining clients fund account is identified, so that terminal is getting client or business handling personnel pass through friendship
When the clients fund account of mutual interface input, the clients fund account that will acquire is sent to server, to obtain payment account
Family.
S206: according to the insured amount declaration form for updating the declaration form of abatement of main dangerous the abatement protection amount and the accessory risk
Information.
Server is labeled as the corresponding declaration form of policy information got according to insured amount abatement solicited message to pay up state,
The protection amount that accessory risk in the declaration form is modified according to the abatement premium of accessory risk, according to main dangerous abatement premium in the modification declaration form
Main dangerous protection amount, to enable the terminals to show updated policy information.
It is understood that server is in updating policy information when protection amount abatement solicited message includes terminal iidentification
Main dangerous protection amount and accessory risk protection amount after, insured amount abatement successfully notice can be fed back to terminal according to terminal iidentification
Message, to notify terminal to re-download and show updated policy information.
The embodiment of the present invention, when the less than payment time limit stopping paying premium, by cutting down main dangerous protection amount and adding
The insured amount mode of danger maintains declaration form, in effective status, to be greater than since the abatement of accessory risk is insured amount main dangerous within insurance period
Abatement is insured amount, so that the protection amount after accessory risk abatement is greater than the protection amount after main danger abatement, rather than the protection amount of accessory risk is cut down
Based on dangerous abatement it is insured amount, reduce the insured amount abatement amplitude of accessory risk in this way, can preferably ensure the equity of client to subtract
Few customer complaint, to achieve the purpose that the pressure for mitigating server process customer complaint information.
It, will be poor when getting when identifying the abatement protection amount of the insured amount accessory risk for being greater than determination of matched abatement with accessory risk
Volume returns client, can reduce the premium difference for the accessory risk that client loses because cutting down premium, increase customer satisfaction degree to
It is further reduced customer complaint, further mitigates the pressure of server process customer complaint information.
It should be understood that the size of the serial number of each step is not meant that the order of the execution order in above-described embodiment, each process
Execution sequence should be determined by its function and internal logic, the implementation process without coping with the embodiment of the present invention constitutes any limit
It is fixed.
Referring to Fig. 5, Fig. 5 is a kind of structural block diagram for server that one embodiment of the invention provides, what server included
Each unit is used to execute each step in the corresponding embodiment of FIG. 1 to FIG. 4.Referring specifically to the corresponding implementation of FIG. 1 to FIG. 4
Associated description in example.For ease of description, only the parts related to this embodiment are shown.Referring to Fig. 5, service 5 includes:
Solicited message acquiring unit 510, for obtaining the insured amount abatement solicited message of terminal transmission；Wherein, the protection amount
When abatement solicited message is for requesting the less than payment time limit to stop paying premium, by cutting down main dangerous protection amount and accessory risk
Insured amount mode maintains declaration form within insurance period in effective status；The insured amount abatement solicited message includes the unique of declaration form
Mark；
Policy information acquiring unit 520, for unique mark according to the declaration form in the insured amount abatement solicited message
Know the policy information for obtaining the declaration form；Wherein, the policy information include main danger mark, it is accessory risk mark, main dangerous initial
Insured amount and accessory risk initial protection amount；
Determination unit 530, for according to the main dangerous initial insured amount and described accessory risk in the policy information
Initial protection amount, determine that the main dangerous abatement is insured amount and the abatement of the accessory risk is insured amount；Wherein, abatement protection amount refers to
Protection amount after being cut down on the basis of initial protection amount, the abatement of the accessory risk are insured amount insured amount greater than the main dangerous abatement；
Updating unit 540, for updating institute according to the abatement protection amount of main dangerous the abatement protection amount and the accessory risk
State the policy information of declaration form.
Further, it is determined that unit 530 includes:
Computing unit, for calculate the accessory risk in the policy information it is initial insured amount and described it is main it is dangerous just
The quotient for the protection amount that begins, obtains insured amount abatement ratio；
Acquiring unit obtains and the main danger for the default corresponding relationship between protection amount to be identified and cut down according to insurance kind
Matched abatement protection amount is identified, it is insured amount to obtain the main dangerous abatement；
Insured amount determination unit, it is described attached for being determined according to the insured amount abatement ratio and the main dangerous abatement protection amount
Add dangerous abatement insured amount.
Further, cut down insured amount determination unit to be specifically used for: calculating the insured amount abatement ratio and disappear with described main dangerous
The product for subtracting protection amount, the abatement for obtaining the accessory risk are insured amount.
Further, cut down insured amount determination unit to be specifically used for:
It is insured amount according to the insured amount abatement ratio and the main dangerous abatement, determine that the maximum abatement of the accessory risk is protected
The minimum abatement of volume and the accessory risk is insured amount；Wherein, the minimum abatement of the accessory risk is insured amount is greater than or equal to the master
The abatement of danger is insured amount；
Minimum abatement according to the maximum abatement protection amount of the accessory risk and the accessory risk is insured amount, determines described additional
The abatement of danger is insured amount.
Optionally, server 5 can also include:
Matching unit obtains and described additional for the default corresponding relationship between protection amount to be identified and cut down according to insurance kind
It is insured amount that danger identifies matched abatement；
Reimbursement unit, for when the insured amount abatement protection amount for being greater than the accessory risk of the matched abatement, described in calculating
Difference between matched abatement protection amount and the abatement protection amount of the accessory risk, and the difference is retracted into payment account；Wherein,
The payment account is obtained according to the associated payment record of the unique identification of the declaration form.
Optionally, the policy information further includes customer information, and the customer information includes age, occupation；Determination unit
530 include:
Cut down factor determination unit, for determining abatement coefficient according to the customer information；
Cut down insured amount computing unit, for according to the abatement coefficient, described main dangerous initial insured amount and described additional
The initial protection amount of danger, the abatement for calculating main dangerous the abatement protection amount and the accessory risk are insured amount.
Referring to Fig. 6, Fig. 6 be another embodiment of the present invention provides a kind of server schematic diagram.As shown in figure 4, should
The server 6 of embodiment includes: processor 60, memory 61 and is stored in the memory 61 and can be in the processor
The computer program 62 run on 60, such as the control program of server.The processor 60 executes the computer program 62
Step in the processing method embodiment of the above-mentioned each declaration form of Shi Shixian, such as S101 shown in FIG. 1 to S104.Alternatively, described
Processor 60 realizes the function of each unit in the corresponding embodiment of above-mentioned Fig. 5, such as Fig. 5 institute when executing the computer program 62
Show the function of unit 510 to 540.
Illustratively, the computer program 62 can be divided into one or more units, one or more of
Unit is stored in the memory 61, and is executed by the processor 60, to complete the present invention.One or more of lists
Member can be the series of computation machine program instruction section that can complete specific function, and the instruction segment is for describing the computer journey
Implementation procedure of the sequence 62 in the server 6.For example, the computer program 62, which can be divided into solicited message, obtains list
Member, policy information acquiring unit, determination unit, updating unit, matching unit and reimbursement unit etc., each unit concrete function is such as
It is upper described.
The server may include, but be not limited only to, processor 60, memory 61.It will be understood by those skilled in the art that
Fig. 6 is only the example of server 6, does not constitute the restriction to server 6, may include than illustrating more or fewer portions
Part perhaps combines certain components or different components, such as the server can also include input-output equipment, network
Access device, bus etc..
Alleged processor 60 can be central processing unit (Central Processing Unit, CPU), can also be
Other general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processor
Deng.
The memory 61 can be the internal storage unit of the server 6, such as the hard disk or memory of server 6.
The memory 61 is also possible to the External memory equipment of the server 6, such as the plug-in type being equipped on the server 6 is hard
Disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card
(Flash Card) etc..Further, the memory 61 can also both include the internal storage unit of the server 6 or wrap
Include External memory equipment.The memory 61 is for other programs needed for storing the computer program and the server
And data.The memory 61 can be also used for temporarily storing the data that has exported or will export.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations；Although referring to aforementioned reality
Applying example, invention is explained in detail, those skilled in the art should understand that: it still can be to aforementioned each
Technical solution documented by embodiment is modified or equivalent replacement of some of the technical features；And these are modified
Or replacement, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution should all
It is included within protection scope of the present invention.
Claims (10)
1. a kind of processing method of declaration form characterized by comprising
Obtain the insured amount abatement solicited message that terminal is sent；Wherein, the insured amount abatement solicited message is for requesting less than payment
When time limit stops paying premium, maintaining declaration form in insurance period by way of the protection amount for cutting down main dangerous protection amount and accessory risk
It is interior to be in effective status；The insured amount abatement solicited message includes the unique identification of declaration form；
The policy information of the declaration form is obtained according to the unique identification of the declaration form in the insured amount abatement solicited message；Its
In, the policy information includes main danger mark, accessory risk mark, main dangerous initial insured amount and accessory risk initial protection amount；
According to the initial protection amount of the main dangerous initial insured amount and described accessory risk in the policy information, the master is determined
The abatement protection amount of danger and the abatement of the accessory risk are insured amount；Wherein, abatement protection amount refers to carries out on the basis of initial insured amount
Protection amount after abatement, the abatement of the accessory risk is insured amount to be greater than the main dangerous abatement protection amount；
According to the insured amount policy information for updating the declaration form of abatement of main dangerous the abatement protection amount and the accessory risk.
2. the processing method of declaration form according to claim 1, which is characterized in that the institute according in the policy information
The initial protection amount for stating the main dangerous initial insured amount and described accessory risk, determines the main dangerous abatement protection amount and the accessory risk
Abatement it is insured amount, comprising:
The quotient for calculating the initial insured amount and described main dangerous initial protection amount of the accessory risk in the policy information, is protected
Volume cuts down ratio；
The default corresponding relationship between protection amount is identified and cut down according to insurance kind, obtains and the main danger identifies matched abatement and protects
It is insured amount to obtain the main dangerous abatement for volume；
It is insured amount according to the insured amount abatement ratio and the main insured amount abatement for determining the accessory risk of dangerous abatement.
3. the processing method of declaration form according to claim 2, which is characterized in that it is described according to the insured amount abatement ratio with
And the insured amount abatement protection amount for determining the accessory risk of main dangerous abatement, comprising:
The product of insured amount the abatement ratio and the main dangerous abatement protection amount is calculated, the abatement for obtaining the accessory risk is insured amount.
4. the processing method of declaration form according to claim 2, which is characterized in that it is described according to the insured amount abatement ratio with
The main insured amount abatement for determining the accessory risk of dangerous abatement is insured amount, comprising:
It is insured amount according to the insured amount abatement ratio and the main dangerous abatement, determine the maximum abatement of the accessory risk it is insured amount with
And the minimum abatement of the accessory risk is insured amount；Wherein, the minimum abatement of the accessory risk is insured amount more than or equal to described main dangerous
Abatement is insured amount；
Minimum abatement according to the maximum abatement protection amount of the accessory risk and the accessory risk is insured amount, determines the accessory risk
Abatement is insured amount.
5. the processing method of the declaration form according to claim 2 to 4, which is characterized in that described according to the insured amount abatement ratio
After example and the main insured amount abatement for determining the accessory risk of dangerous abatement are insured amount, further includes:
The default corresponding relationship between protection amount is identified and cut down according to insurance kind, obtains and the accessory risk identifies matched abatement and protects
Volume；
When the matched abatement protection amount is greater than the abatement protection amount of the accessory risk, the matched abatement protection amount and institute are calculated
The difference between the abatement protection amount of accessory risk is stated, and the difference is retracted into payment account；Wherein, the payment account according to
The associated payment record of the unique identification of the declaration form obtains.
6. the processing method of declaration form according to claim 1, which is characterized in that the policy information further includes client's letter
Breath, the customer information includes age, occupation；
The initial protection amount according to the main dangerous initial insured amount and described accessory risk in the policy information, determines institute
The abatement for stating main dangerous abatement protection amount and the accessory risk is insured amount, comprising:
Abatement coefficient is determined according to the customer information；
According to the initial protection amount of the abatement coefficient, the main dangerous initial insured amount and described accessory risk, the main danger is calculated
Abatement is insured amount and the abatement of the accessory risk is insured amount.
7. a kind of server, which is characterized in that the server includes memory, processor and stores in the memory
And the computer program that can be run on the processor, the processor realize following step when executing the computer program
It is rapid:
Obtain the insured amount abatement solicited message that terminal is sent；Wherein, the insured amount abatement solicited message is for requesting less than payment
When time limit stops paying premium, maintaining declaration form in insurance period by way of the protection amount for cutting down main dangerous protection amount and accessory risk
It is interior to be in effective status；The insured amount abatement solicited message includes the unique identification of declaration form；
The policy information of the declaration form is obtained according to the unique identification of the declaration form in the insured amount abatement solicited message；Its
In, the policy information includes main danger mark, accessory risk mark, main dangerous initial insured amount and accessory risk initial protection amount；
According to the initial protection amount of the main dangerous initial insured amount and described accessory risk in the policy information, the master is determined
The abatement protection amount of danger and the abatement of the accessory risk are insured amount；Wherein, abatement protection amount refers to carries out on the basis of initial insured amount
Protection amount after abatement, the abatement of the accessory risk is insured amount to be greater than the main dangerous abatement protection amount；
According to the insured amount policy information for updating the declaration form of abatement of main dangerous the abatement protection amount and the accessory risk.
8. server according to claim 7, which is characterized in that described according to described main dangerous in the policy information
The initial protection amount of the initial insured amount and described accessory risk determines that the abatement of main dangerous the abatement protection amount and the accessory risk is protected
Volume, comprising:
The quotient for calculating the initial insured amount and described main dangerous initial protection amount of the accessory risk in the policy information, is protected
Volume cuts down ratio；
The default corresponding relationship between protection amount is identified and cut down according to insurance kind, obtains and the main danger identifies matched abatement and protects
It is insured amount to obtain the main dangerous abatement for volume；
It is insured amount according to the insured amount abatement ratio and the main insured amount abatement for determining the accessory risk of dangerous abatement.
9. server according to claim 8, which is characterized in that described according to the insured amount abatement ratio and the master
After the insured amount abatement for determining the accessory risk of the abatement of danger is insured amount, the processor is also realized when executing the computer program
Following steps:
The default corresponding relationship between protection amount is identified and cut down according to insurance kind, obtains and the accessory risk identifies matched abatement and protects
Volume；
When the matched abatement protection amount is greater than the abatement protection amount of the accessory risk, the matched abatement protection amount and institute are calculated
The difference between the abatement protection amount of accessory risk is stated, and the difference is retracted into payment account；Wherein, the payment account according to
The associated payment record of the unique identification of the declaration form obtains.
10. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, and feature exists
In when the computer program is executed by processor the step of any one of such as claim 1 to 6 of realization the method.
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| CN201810613122.6A CN108985946B (en) | 2018-06-14 | 2018-06-14 | Processing method of policy and server |
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| CN201810613122.6A CN108985946B (en) | 2018-06-14 | 2018-06-14 | Processing method of policy and server |
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| CN108985946B (en) | 2024-03-15 |
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