CN108985946B - Processing method of policy and server - Google Patents
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- CN108985946B CN108985946B CN201810613122.6A CN201810613122A CN108985946B CN 108985946 B CN108985946 B CN 108985946B CN 201810613122 A CN201810613122 A CN 201810613122A CN 108985946 B CN108985946 B CN 108985946B
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- 238000010586 diagram Methods 0.000 description 4
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- 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
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Abstract
The invention is applicable to the technical field of computers, and provides a method and a server for processing a policy, wherein the method comprises the following steps: acquiring the amount reduction request information sent by the terminal; the amount reduction request information comprises a unique identifier of the policy; acquiring the policy information of the policy according to the unique identifier of the policy in the policy reduction request information; determining the reduction insurance amount of the main insurance and the reduction insurance amount of the additional insurance according to the initial insurance amount of the main insurance and the initial insurance amount of the additional insurance in the insurance policy information; the reduction insurance amount of the additional insurance is larger than that of the main insurance; and updating the policy information of the policy according to the reduced insurance amount of the main insurance and the reduced insurance amount of the additional insurance. According to the invention, when the insurance amount is subtracted, the additional insurance amount is controlled to be greater than the main insurance amount, so that the insurance amount subtracting range of the additional insurance is reduced, the rights and interests of the clients can be better ensured to reduce the complaints of the clients, and the aim of reducing the pressure of the server for processing the complaint information of the clients is fulfilled.
Description
Technical Field
The invention belongs to the technical field of computers, and particularly relates to a policy processing method and a server.
Background
At present, people can purchase additional risks while buying main risks so as to enjoy double guarantees of the main risks and the additional risks. The main risk is called basic risk, and refers to the risk that can be independently underwritten without being added under other risks. The main insurance includes life insurance, senior insurance, etc. Additional risk refers to a risk that cannot be applied separately. People must add the risks to enjoy the corresponding guarantee benefits on the premise of buying a main risk. Additional risks include regular life risks, hospitalization benefits, serious illness risks, and the like.
At present, when the payment period is not full after the applicant purchases the main insurance and the additional insurance at the same time, the insurance management system sets the insurance policy of the applicant to be in a failure state because of economic conditions or other reasons when the applicant does not want to continue to pay the insurance, so that more customer complaints can be caused, and the insurance management system needs to process a large amount of after-sales complaints, and the data processing burden is increased.
Disclosure of Invention
In view of the above, the embodiments of the present invention provide a method and a server for processing a policy, so as to solve the problems in the prior art that, when a payment period is not full, a customer stops paying a premium to cause a purchased main risk and additional risk to cause customer complaints, and further, a insurance management system needs to process a large amount of post-sale complaints, and increase data processing burden.
A first aspect of an embodiment of the present invention provides a method for processing a policy, including:
acquiring the amount reduction request information sent by the terminal; the insurance amount reduction request information is used for maintaining the insurance policy in an effective state in the insurance period in a manner of reducing the insurance amount of the main insurance and the insurance amount of the additional insurance when the insurance amount reduction request information is used for requesting that the payment period is not full and the insurance is stopped; the amount reduction request information comprises a unique identifier of a policy;
acquiring the policy information of the policy according to the unique identifier of the policy in the policy reduction request information; the insurance policy information comprises a main insurance identifier, an additional insurance identifier, an initial insurance amount of the main insurance and an initial insurance amount of the additional insurance;
determining the reduction insurance amount of the main insurance and the reduction insurance amount of the additional insurance according to the initial insurance amount of the main insurance and the initial insurance amount of the additional insurance in the insurance policy information; the reduced insurance amount refers to insurance amount after being reduced on the basis of initial insurance amount, and the reduced insurance amount of the additional insurance is larger than the reduced insurance amount of the main insurance;
and updating the policy information of the policy according to the reduced insurance amount of the main insurance and the reduced insurance amount of the additional insurance.
A second aspect of an embodiment of the present invention provides a server comprising a memory, a processor and a computer program stored in the memory and executable on the processor, the processor implementing the following steps when executing the computer program:
acquiring the amount reduction request information sent by the terminal; the insurance amount reduction request information is used for maintaining the insurance policy in an effective state in the insurance period in a manner of reducing the insurance amount of the main insurance and the insurance amount of the additional insurance when the insurance amount reduction request information is used for requesting that the payment period is not full and the insurance is stopped; the amount reduction request information comprises a unique identifier of a policy;
acquiring the policy information of the policy according to the unique identifier of the policy in the policy reduction request information; the insurance policy information comprises a main insurance identifier, an additional insurance identifier, an initial insurance amount of the main insurance and an initial insurance amount of the additional insurance;
determining the reduction insurance amount of the main insurance and the reduction insurance amount of the additional insurance according to the initial insurance amount of the main insurance and the initial insurance amount of the additional insurance in the insurance policy information; the reduced insurance amount refers to insurance amount after being reduced on the basis of initial insurance amount, and the reduced insurance amount of the additional insurance is larger than the reduced insurance amount of the main insurance;
and updating the policy information of the policy according to the reduced insurance amount of the main insurance and the reduced insurance amount of the additional insurance.
A third aspect of the embodiments of the present invention provides a computer readable storage medium storing a computer program which when executed by a processor performs the steps of:
acquiring the amount reduction request information sent by the terminal; the insurance amount reduction request information is used for maintaining the insurance policy in an effective state in the insurance period in a manner of reducing the insurance amount of the main insurance and the insurance amount of the additional insurance when the insurance amount reduction request information is used for requesting that the payment period is not full and the insurance is stopped; the amount reduction request information comprises a unique identifier of a policy;
acquiring the policy information of the policy according to the unique identifier of the policy in the policy reduction request information; the insurance policy information comprises a main insurance identifier, an additional insurance identifier, an initial insurance amount of the main insurance and an initial insurance amount of the additional insurance;
determining the reduction insurance amount of the main insurance and the reduction insurance amount of the additional insurance according to the initial insurance amount of the main insurance and the initial insurance amount of the additional insurance in the insurance policy information; the reduced insurance amount refers to insurance amount after being reduced on the basis of initial insurance amount, and the reduced insurance amount of the additional insurance is larger than the reduced insurance amount of the main insurance;
and updating the policy information of the policy according to the reduced insurance amount of the main insurance and the reduced insurance amount of the additional insurance.
The processing method and the server for the policy provided by the embodiment of the invention have the following beneficial effects:
according to the embodiment of the invention, when the payment and the insurance are stopped under the payment period, the insurance policy is maintained in an effective state in the insurance period in a manner of reducing the insurance amount of the main insurance and the insurance amount of the additional insurance, and the additional insurance is reduced to be larger than the insurance amount of the main insurance because the additional insurance is reduced to be larger than the insurance amount of the main insurance, instead of reducing the insurance amount of the additional insurance to be the insurance amount of the main insurance, so that the insurance reduction amplitude of the additional insurance is reduced, the rights and interests of customers can be better ensured to reduce customer complaints, and the aim of reducing the pressure of a server for processing customer complaint information is fulfilled.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings that are needed in the embodiments or the description of the prior art will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flowchart of a method for processing a policy according to an embodiment of the present invention;
FIG. 2 is a flowchart of one implementation of S103 in the embodiment shown in FIG. 1;
FIG. 3 is a flowchart of another implementation of S103 in the embodiment shown in FIG. 1;
FIG. 4 is a flowchart illustrating a method for processing a policy according to another embodiment of the present invention;
FIG. 5 is a block diagram of a server according to an embodiment of the present invention;
fig. 6 is a schematic diagram of a server according to another embodiment of the present invention.
Detailed Description
The present invention will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present invention more apparent. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.
Referring to fig. 1, fig. 1 is a flowchart illustrating a policy processing method according to an embodiment of the invention. The execution subject of the policy processing method in this embodiment is a server. The method for processing the policy as shown in the figure may comprise the following steps:
s101: acquiring the amount reduction request information sent by the terminal; the insurance amount reduction request information is used for maintaining the insurance policy in an effective state in the insurance period in a manner of reducing the insurance amount of the main insurance and the insurance amount of the additional insurance when the insurance amount reduction request information is used for requesting that the payment period is not full and the insurance is stopped; the policy-reduction request information includes a unique identification of the policy.
When the clients need to transact the reduced amount service, the service transacting personnel can control the terminal to log in the insurance management system, and the terminal obtains the unique identification of the clients input by the service transacting personnel through the interactive interface or obtains the unique identification of the clients read and sent by the information identification equipment.
When the terminal obtains the unique identifier of the client, the unique identifier such as the client identification number queries the policy associated with the unique identifier of the client, and when the policy associated with the unique identifier of the client is found, the information of the found policy is displayed so that the service staff can learn the insurance purchased by the client, so that the service staff or the client can determine the insurance from which the insurance needs to be reduced, and further the service staff can select the policy containing the insurance reduced from the policy associated with the unique identifier of the client, so as to generate a policy reduction request through the interactive interface terminal.
Or when the terminal obtains the unique identifier of the client, the terminal can also search the insurance purchased by the client associated with the client according to the unique identifier of the client, and display the searched insurance purchased by the client, so that a service transacting person or the client can determine the insurance needing to be reduced in insurance, and further the service transacting person can select an insurance policy containing the main insurance and the additional insurance needing to be reduced in insurance, so as to trigger the terminal to generate an insurance reduction request through an interactive interface, and send the insurance reduction request to the server. The insurance amount reduction request information is used for maintaining the insurance policy in an effective state in the insurance period in a manner of reducing the insurance amount of the main insurance and the insurance amount of the additional insurance when the insurance amount reduction request information is used for requesting that the payment period is not full. The policy-based mitigation request includes a policy identifier of a policy that includes the main risk information and the additional risk information, and may further include a terminal identifier of a terminal that sent the policy-based mitigation request. The terminal identification is used for receiving result information fed back by the server.
The server acquires the deposit reduction request information sent by the terminal.
S102: acquiring the policy information of the policy according to the unique identifier of the policy in the policy reduction request information; the insurance policy information comprises a main insurance identifier, an additional insurance identifier, an initial insurance amount of the main insurance and an initial insurance amount of the additional insurance.
The policy database is pre-stored with a plurality of policy files, the policy files contain policy information, and the policy files exist in the form of text documents or in the form of tables. A policy file may contain information about a policy, where the policy file may be named according to the unique identification of the policy. Each policy has a unique identification, such as a policy number. The information of each policy has an association with its unique identifier. When one policy file contains information about a plurality of policies, the server can acquire the policy information associated with the unique identifier through the unique identifier of the policy. The policy database may be a local database of the server or a non-local database, without limitation.
When the server obtains the unique identifier of the policy from the policy reduction request information, obtaining a policy file matched with the unique identifier of the policy from a policy database according to the unique identifier of the policy, and obtaining the policy information of the policy from the policy file; or when the server obtains the unique identifier of the policy from the policy reduction request information, obtaining a policy file containing the unique identifier from the policy database according to the unique identifier of the policy, and obtaining the policy information associated with the unique identifier from the policy file.
The policy information includes purchased main risk information and additional risk information associated with the main risk. The main risk information and the additional risk information in one policy are associated through the unique identifier of the policy, and the server can acquire the main risk information and the additional risk information associated with the main risk information and the additional risk information according to the unique identifier of the policy. The main risk information at least comprises a main risk identification of the main risk and an initial insurance amount of the main risk; the additional risk information includes at least an additional risk identification of the additional risk and an initial guard of the additional risk. The initial premium is a premium contracted at the time of purchase.
Typically, the initial policy of the main insurance is greater than or equal to the initial policy of the additional insurance. Optionally, the policy information may also include customer information. Customer information may include the age of the insured, occupation, etc. Customer information may be used to determine the reduction coefficient. The reduction coefficient is used for calculating the reduction allowance of the main insurance and the reduction allowance of the additional insurance. The term "reduced amount" refers to an amount that is reduced based on the initial amount.
Because the policy information has an association relationship with the unique identifier of the policy, the server can acquire the client information associated with the unique identifier through the unique identifier of the policy.
S103: determining the reduction insurance amount of the main insurance and the reduction insurance amount of the additional insurance according to the initial insurance amount of the main insurance and the initial insurance amount of the additional insurance in the insurance policy information; the reduced insurance amount refers to insurance amount after being reduced on the basis of initial insurance amount, and the reduced insurance amount of the additional insurance is larger than the reduced insurance amount of the main insurance.
The server determines the effective time of the insurance policy according to the effective date and the current date contained in the insurance policy information, determines that the effective time of the insurance policy is within the insurance period in the insurance policy information, and determines the reduction insurance amount of the main insurance and the reduction insurance amount of the additional insurance according to the initial insurance amount of the main insurance and the initial insurance amount of the additional insurance in the insurance policy information when the insurance policy is in an effective state.
In an embodiment, when the server obtains the initial insurance amount of the main insurance and the initial insurance amount of the additional insurance from the policy information, the reduced insurance amount matched with the main insurance identifier may be obtained according to a preset correspondence between the risk identifier and the reduced insurance amount, so as to obtain the reduced insurance amount of the main insurance; and acquiring the reduction insurance amount matched with the additional insurance identifier to obtain the reduction insurance amount of the additional insurance. Wherein the main risk reduction amount < additional risk initial amount. The preset corresponding relation between the dangerous identity and the reduction insurance comprises the following steps: a preset correspondence between the main risk identity and the subtractive amount, and a preset correspondence between the additional risk identity and the subtractive amount.
In another embodiment, when the insurance amount reduction request information further includes client information, the server stores the reduction insurance amount of the main insurance set according to different ages, different occupations and different main insurance identifications in advance, and the reduction insurance amount of the main insurance corresponds to the risk types, ages and occupations of the main insurance one by one. The server can obtain the subduction insurance corresponding to the client information and the main insurance identifier according to the client information (age, occupation, etc.) and the main insurance identifier in the insurance subduction request information, so as to obtain the subduction insurance of the main insurance.
After determining the subduction amount of the main insurance, the server determines the subduction amount of the additional insurance according to the subduction amount of the main insurance and the initial subduction amount of the additional insurance. The additional risk reduction guard may be any value between the main risk reduction guard and the additional risk initial guard such that the main risk reduction guard < additional risk initial guard.
Further, in one embodiment, referring to fig. 2, fig. 2 is a flowchart showing a specific implementation of S103 in the embodiment shown in fig. 1. S103 may include S1031 to S1033, and S1031 to S1033 are specifically as follows:
s1031: and calculating the quotient of the initial insurance amount of the additional insurance and the initial insurance amount of the main insurance in the insurance policy information to obtain an insurance amount reduction proportion.
Where the amount reduction ratio = initial amount of additional risk/initial amount of main risk, it is understood that in other embodiments the expression of the amount reduction ratio may be: rate of balance reduction = initial balance of main risk/initial balance of additional risk.
S1032: and obtaining the subduction insurance matched with the main insurance identifier according to a preset corresponding relation between the insurance identifier and the subduction insurance, so as to obtain the subduction insurance of the main insurance.
S1033: and determining the reduction insurance amount of the additional insurance according to the insurance reduction proportion and the reduction insurance amount of the main insurance.
The additional risk reduction insurance amount can be reduced according to the initial insurance amount reduction ratio, the server can also determine the maximum additional risk reduction insurance amount and the minimum additional risk insurance amount according to the insurance amount reduction ratio and the main risk reduction insurance amount, and determine the additional risk reduction insurance amount according to the minimum additional risk amount and the maximum additional risk reduction insurance amount, so that the additional risk reduction insurance amount is smaller than the maximum additional risk amount, and the additional risk reduction insurance amount is larger than the minimum additional risk amount. The minimum guard of the additional risk is greater than or equal to the subtractive guard of the main risk.
Further, S1033 may specifically be: and calculating the product of the insurance reduction proportion and the main insurance reduction insurance to obtain the additional insurance reduction insurance.
Wherein, when the rate of reduction of the amount of insurance=initial amount of insurance of additional insurance/initial amount of insurance of main insurance, the reduction amount of insurance= (initial amount of insurance of additional insurance/initial amount of insurance) ×the reduction amount of main insurance.
It is understood that when the rate of reduction of the amount of insurance=initial amount of insurance/initial amount of insurance of additional insurance=reduction of insurance/(initial amount of insurance/initial amount of additional insurance) =initial amount of insurance/initial amount of insurance) ×reduction of insurance.
Further, S1033 may specifically be: determining the maximum reduction insurance amount of the additional insurance and the minimum reduction insurance amount of the additional insurance according to the insurance reduction proportion and the main insurance reduction insurance; wherein the minimum subduction of the additional risk is greater than or equal to the subduction of the main risk;
and determining the subduction insurance of the additional risk according to the maximum subduction insurance of the additional risk and the minimum subduction insurance of the additional risk.
Specifically, the server may determine a maximum reduced allowance of the additional risk and a minimum allowance of the additional risk according to the amount of the remaining risk and the reduced allowance of the main risk, and determine the reduced allowance of the additional risk according to the minimum allowance of the additional risk and the maximum reduced allowance of the additional risk, so that the reduced allowance of the additional risk is smaller than the maximum allowance of the additional risk and the reduced allowance of the additional risk is greater than the minimum allowance of the additional risk. The minimum guard of the additional risk is greater than or equal to the subtractive guard of the main risk.
Since the rate of reduction of the amount of insurance=initial amount of insurance of additional insurance/initial amount of insurance of main insurance, then the maximum rate of reduction of additional insurance=rate of reduction of amount of insurance×reduction of main insurance=reduction of main insurance×initial amount of insurance of additional insurance/initial amount of insurance.
The reduced guard of the additional risk may be any value between the maximum guard of the additional risk and the minimum guard of the additional risk.
Further, in another embodiment, when the policy information further includes customer information, and the customer information includes an age and an occupation, the server may further determine a reduction ratio according to the customer information, and determine a main risk according to the reduction ratio, referring to fig. 3, fig. 3 is a flowchart of another implementation of S103 in the embodiment shown in fig. 1. S103 may include S1034 to S1035, and the server may execute S1031 to S1033 after executing S102, or S1034 to S1035, S1034 to S1035 are specifically as follows:
s1034: and determining an extinction coefficient according to the client information.
The server may set the reduction coefficients in two dimensions, age and occupation, where one reduction coefficient is determined jointly by age and occupation. When the server acquires the client information, the server acquires the age and the occupation information from the client information, and queries the reduction coefficient matched with the age and the occupation information according to the age and the occupation information.
S1035: and calculating the subduction insurance of the main insurance and the subduction insurance of the additional insurance according to the subduction coefficient, the initial insurance of the main insurance and the initial insurance of the additional insurance.
When the server determines the reduction coefficient, calculating the product between the reduction coefficient and the initial insurance of the main insurance to obtain the reduction insurance of the main insurance according to the obtained initial insurance of the main insurance, the initial insurance of the additional insurance and the determined reduction coefficient, and calculating the product between the reduction coefficient and the initial insurance of the additional insurance to obtain the reduction insurance of the additional insurance.
It may be appreciated that in other embodiments, the server may set an abatement coefficient for each main additional risk combination in advance, where a main risk identifier and an additional risk identifier together determine an abatement coefficient, and when the server obtains the main risk identifier and the additional risk identifier, the server may obtain an abatement coefficient corresponding to an insurance combination including the main risk identifier and the additional risk identifier, calculate a product of the abatement coefficient and an initial insurance amount of the additional risk to obtain an additional risk abatement insurance amount, and calculate a product of the abatement coefficient and the initial insurance amount of the main risk to obtain a main risk abatement insurance amount.
That is, the reduction allowance of the additional risk=reduction coefficient×the initial allowance of the additional risk; subdued amount of main insurance = subdued coefficient x original subdued amount of main insurance.
S104: and updating the policy information of the policy according to the reduced insurance amount of the main insurance and the reduced insurance amount of the additional insurance.
The server marks the insurance policy corresponding to the insurance policy information acquired according to the insurance policy reduction request information as a clearing state, modifies the insurance policy of the additional insurance in the insurance policy according to the reduction insurance fee of the additional insurance, and modifies the insurance policy of the main insurance in the insurance policy according to the reduction insurance fee of the main insurance policy so that the terminal can display the updated insurance policy information.
It may be appreciated that, when the policy and amount reduction request information includes the terminal identifier, after updating the policy and amount of the main risk and the additional risk in the policy information, the server may feed back a notification message of success of policy and amount reduction to the terminal according to the terminal identifier, so as to notify the terminal to download and display the updated policy information again.
According to the embodiment of the invention, when the payment and the insurance are stopped under the payment period, the insurance policy is maintained in an effective state in the insurance period in a manner of reducing the insurance amount of the main insurance and the insurance amount of the additional insurance, and the additional insurance is reduced to be larger than the insurance amount of the main insurance because the additional insurance is reduced to be larger than the insurance amount of the main insurance, instead of reducing the insurance amount of the additional insurance to be the insurance amount of the main insurance, so that the insurance reduction amplitude of the additional insurance is reduced, the rights and interests of customers can be better ensured to reduce customer complaints, and the aim of reducing the pressure of a server for processing customer complaint information is fulfilled.
Referring to fig. 4, fig. 4 is a flowchart illustrating a policy processing method according to another embodiment of the present invention. The execution subject of the policy processing method in this embodiment is a server. The method for processing the policy as shown in the figure may comprise the following steps:
s201: acquiring the amount reduction request information sent by the terminal; the insurance amount reduction request information is used for maintaining the insurance policy in an effective state in the insurance period in a manner of reducing the insurance amount of the main insurance and the insurance amount of the additional insurance when the insurance amount reduction request information is used for requesting that the payment period is not full and the insurance is stopped; the policy-reduction request information includes a unique identification of the policy.
S201 in this embodiment is the same as S101 in the previous embodiment, and specific reference is made to the description related to S101 in the previous embodiment, which is not repeated here.
S202: acquiring the policy information of the policy according to the unique identifier of the policy in the policy reduction request information; the insurance policy information comprises a main insurance identifier, an additional insurance identifier, an initial insurance amount of the main insurance and an initial insurance amount of the additional insurance.
S202 in this embodiment is the same as S102 in the previous embodiment, and detailed description of S102 in the previous embodiment is omitted here.
S203: determining the reduction insurance amount of the main insurance and the reduction insurance amount of the additional insurance according to the initial insurance amount of the main insurance and the initial insurance amount of the additional insurance in the insurance policy information; the reduced insurance amount refers to insurance amount after being reduced on the basis of initial insurance amount, and the reduced insurance amount of the additional insurance is larger than the reduced insurance amount of the main insurance.
S203 in this embodiment is the same as S103 in the previous embodiment, and specific reference is made to the description related to S103 in the previous embodiment, which is not repeated here.
S204: and acquiring the reduction insurance matched with the additional risk identifier according to a preset corresponding relation between the risk identifier and the reduction insurance.
When the server obtains the additional risk identification from the policy information, the reduction insurance matched with the additional risk identification can be obtained according to the preset corresponding relation between the risk identification and the reduction insurance.
The server compares the obtained matched subduction amount with the subduction amount of the additional risk determined in S203 when obtaining the subduction amount matched with the additional risk identifier, and executes S205 when the obtained matched subduction amount is greater than the subduction amount of the additional risk determined in S203, otherwise jumps to S206.
S205: when the matched subduction amount is larger than the subduction amount of the additional risk, calculating a difference between the matched subduction amount and the subduction amount of the additional risk, and returning the difference to the payment account; the payment account is obtained according to a payment record associated with the unique identifier of the policy.
When the server determines that the matched reduction insurance amount is larger than the additional insurance reduction insurance amount, calculating the difference between the matched reduction insurance amount and the additional insurance reduction insurance amount, acquiring a payment record associated with the unique identifier according to the unique identifier of the insurance policy contained in the insurance amount reduction request information, acquiring a payment account and a collection account from the payment record, and sending a refund request to the fund management server, wherein the refund request comprises the payment account, the collection account and the difference, so that the fund management server refunds the difference from the collection account to the payment account when receiving the refund request, the payment account is a fund account for paying insurance when a customer purchases insurance, and the collection account is a fund account for collecting insurance.
It can be understood that in other real-time modes, when the server does not acquire the payment account, a request for acquiring the customer funds account can be sent to the terminal according to the terminal identification, so that when the terminal acquires the customer funds account input by the customer or the business handling personnel through the interactive interface, the acquired customer funds account is sent to the server, and the payment account is acquired.
S206: and updating the policy information of the policy according to the reduced insurance amount of the main insurance and the reduced insurance amount of the additional insurance.
The server marks the insurance policy corresponding to the insurance policy information acquired according to the insurance policy reduction request information as a clearing state, modifies the insurance policy of the additional insurance in the insurance policy according to the reduction insurance fee of the additional insurance, and modifies the insurance policy of the main insurance in the insurance policy according to the reduction insurance fee of the main insurance policy so that the terminal can display the updated insurance policy information.
It may be appreciated that, when the policy and amount reduction request information includes the terminal identifier, after updating the policy and amount of the main risk and the additional risk in the policy information, the server may feed back a notification message of success of policy and amount reduction to the terminal according to the terminal identifier, so as to notify the terminal to download and display the updated policy information again.
According to the embodiment of the invention, when the payment and the insurance are stopped under the payment period, the insurance policy is maintained in an effective state in the insurance period in a manner of reducing the insurance amount of the main insurance and the insurance amount of the additional insurance, and the additional insurance is reduced to be larger than the insurance amount of the main insurance because the additional insurance is reduced to be larger than the insurance amount of the main insurance, instead of reducing the insurance amount of the additional insurance to be the insurance amount of the main insurance, so that the insurance reduction amplitude of the additional insurance is reduced, the rights and interests of customers can be better ensured to reduce customer complaints, and the aim of reducing the pressure of a server for processing customer complaint information is fulfilled.
When the acquired reduction insurance amount matched with the additional insurance mark is larger than the determined reduction insurance amount of the additional insurance, the difference is returned to the client, so that the premium difference of the additional insurance lost by the client due to reduction of the premium can be reduced, the client satisfaction degree is improved, the client complaint is further reduced, and the pressure of the server for processing the client complaint information is further reduced.
It should be understood that the sequence number of each step in the foregoing embodiment does not mean that the execution sequence of each process should be determined by the function and the internal logic, and should not limit the implementation process of the embodiment of the present invention.
Referring to fig. 5, fig. 5 is a block diagram of a server according to an embodiment of the present invention, where the server includes units for executing steps in the embodiments corresponding to fig. 1 to fig. 4. Refer specifically to the related descriptions in the respective embodiments of fig. 1 to fig. 4. For convenience of explanation, only the portions related to the present embodiment are shown. Referring to fig. 5, the service 5 includes:
a request information obtaining unit 510, configured to obtain a guard reduction request information sent by a terminal; the insurance amount reduction request information is used for maintaining the insurance policy in an effective state in the insurance period in a manner of reducing the insurance amount of the main insurance and the insurance amount of the additional insurance when the insurance amount reduction request information is used for requesting that the payment period is not full and the insurance is stopped; the amount reduction request information comprises a unique identifier of a policy;
a policy information obtaining unit 520, configured to obtain policy information of the policy according to the unique identifier of the policy in the policy reduction request information; the insurance policy information comprises a main insurance identifier, an additional insurance identifier, an initial insurance amount of the main insurance and an initial insurance amount of the additional insurance;
a determining unit 530, configured to determine, according to the initial policy of the main risk and the initial policy of the additional risk in the policy information, a reduced policy of the main risk and a reduced policy of the additional risk; the reduced insurance amount refers to insurance amount after being reduced on the basis of initial insurance amount, and the reduced insurance amount of the additional insurance is larger than the reduced insurance amount of the main insurance;
and an updating unit 540, configured to update policy information of the policy according to the reduced policy of the main risk and the reduced policy of the additional risk.
Further, the determining unit 530 includes:
the calculating unit is used for calculating the quotient of the initial insurance amount of the additional insurance and the initial insurance amount of the main insurance in the insurance policy information to obtain an insurance amount reduction proportion;
the acquiring unit is used for acquiring the subduction insurance matched with the main insurance identifier according to a preset corresponding relation between the risk identifier and the subduction insurance to acquire the subduction insurance of the main insurance;
and the insurance amount determining unit is used for determining the reduced insurance amount of the additional insurance according to the insurance amount reduction proportion and the reduced insurance amount of the main insurance.
Further, the reduction and insurance determination unit is specifically configured to: and calculating the product of the insurance reduction proportion and the main insurance reduction insurance to obtain the additional insurance reduction insurance.
Further, the reduction and insurance determination unit is specifically configured to:
determining the maximum reduction insurance amount of the additional insurance and the minimum reduction insurance amount of the additional insurance according to the insurance reduction proportion and the main insurance reduction insurance; wherein the minimum subduction of the additional risk is greater than or equal to the subduction of the main risk;
and determining the subduction insurance of the additional risk according to the maximum subduction insurance of the additional risk and the minimum subduction insurance of the additional risk.
Optionally, the server 5 may further include:
the matching unit is used for acquiring the reduction insurance matched with the additional risk identifier according to a preset corresponding relation between the risk identifier and the reduction insurance;
a refund unit configured to calculate a difference between the matched reduced insurance and the reduced insurance of the additional insurance and return the difference to a payment account when the matched reduced insurance is greater than the reduced insurance of the additional insurance; the payment account is obtained according to a payment record associated with the unique identifier of the policy.
Optionally, the policy information further includes customer information, where the customer information includes age and occupation; the determining unit 530 includes:
an reduction coefficient determining unit for determining a reduction coefficient according to the client information;
and the subduction insurance calculation unit is used for calculating subduction insurance of the main insurance and subduction insurance of the additional insurance according to the subduction coefficient, the initial insurance of the main insurance and the initial insurance of the additional insurance.
Referring to fig. 6, fig. 6 is a schematic diagram of a server according to another embodiment of the invention. As shown in fig. 4, the server 6 of this embodiment includes: a processor 60, a memory 61 and a computer program 62, e.g. a control program of a server, stored in said memory 61 and being executable on said processor 60. The steps in the processing method embodiments of the respective policies described above are implemented when the processor 60 executes the computer program 62, for example, S101 to S104 shown in fig. 1. Alternatively, the processor 60 may perform the functions of the units in the embodiment corresponding to fig. 5, for example, the functions of the units 510 to 540 shown in fig. 5, when executing the computer program 62.
Illustratively, the computer program 62 may be partitioned into one or more units that are stored in the memory 61 and executed by the processor 60 to complete the present invention. The one or more elements may be a series of computer program instruction segments capable of performing a specific function describing the execution of the computer program 62 in the server 6. For example, the computer program 62 may be divided into a request information acquisition unit, a policy information acquisition unit, a determination unit, an update unit, a matching unit, a refund unit, and the like, each unit functioning specifically as described above.
The server may include, but is not limited to, a processor 60, a memory 61. It will be appreciated by those skilled in the art that fig. 6 is merely an example of server 6 and is not limiting of server 6, and may include more or fewer components than shown, or may combine certain components, or different components, e.g., the server may also include input and output devices, network access devices, buses, etc.
The processor 60 may be a central processing unit (Central Processing Unit, CPU), other general purpose processors, digital signal processors (Digital Signal Processor, DSP), application specific integrated circuits (Application Specific Integrated Circuit, ASIC), off-the-shelf programmable gate arrays (Field-Programmable Gate Array, FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, or the like. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The memory 61 may be an internal storage unit of the server 6, such as a hard disk or a memory of the server 6. The memory 61 may be an external storage device of the server 6, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card) or the like, which are provided on the server 6. Further, the memory 61 may also include both an internal storage unit and an external storage device of the server 6. The memory 61 is used for storing the computer program and other programs and data required by the server. The memory 61 may also be used for temporarily storing data that has been output or is to be output.
The above embodiments are only for illustrating the technical solution of the present invention, and not for limiting the same; although the invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical scheme described in the foregoing embodiments can be modified or some technical features thereof can be replaced by equivalents; such modifications and substitutions do not depart from the spirit and scope of the technical solutions of the embodiments of the present invention, and are intended to be included in the scope of the present invention.
Claims (7)
1. A method for processing a policy, comprising:
acquiring the amount reduction request information sent by the terminal; the insurance amount reduction request information is used for maintaining the insurance policy in an effective state in the insurance period in a manner of reducing the insurance amount of the main insurance and the insurance amount of the additional insurance when the insurance amount reduction request information is used for requesting that the payment period is not full and the insurance is stopped; the amount reduction request information comprises a unique identifier of a policy;
acquiring the policy information of the policy according to the unique identifier of the policy in the policy reduction request information; the insurance policy information comprises a main insurance identifier, an additional insurance identifier, an initial insurance amount of the main insurance and an initial insurance amount of the additional insurance, wherein the initial insurance amount of the main insurance is greater than or equal to the initial insurance amount of the additional insurance;
determining the reduction insurance amount of the main insurance and the reduction insurance amount of the additional insurance according to the initial insurance amount of the main insurance and the initial insurance amount of the additional insurance in the insurance policy information; the reduced insurance amount refers to insurance amount after being reduced on the basis of initial insurance amount, and the reduced insurance amount of the additional insurance is larger than the reduced insurance amount of the main insurance;
updating the policy information of the policy according to the reduced insurance amount of the main insurance and the reduced insurance amount of the additional insurance;
the determining the reduction insurance amount of the main insurance and the reduction insurance amount of the additional insurance according to the initial insurance amount of the main insurance and the initial insurance amount of the additional insurance in the policy information includes:
calculating the quotient of the initial insurance amount of the additional insurance and the initial insurance amount of the main insurance in the insurance policy information to obtain an insurance amount reduction proportion;
acquiring the subduction insurance matched with the main insurance identifier according to a preset corresponding relation between the risk identifier and the subduction insurance, and acquiring the subduction insurance of the main insurance;
determining the additional risk reduction insurance according to the insurance reduction proportion and the main risk reduction insurance;
the determining the additional risk reduction amount according to the amount reduction ratio and the main risk reduction amount comprises:
determining the maximum reduction insurance amount of the additional insurance and the minimum reduction insurance amount of the additional insurance according to the insurance reduction proportion and the main insurance reduction insurance; wherein the minimum subduction of the additional risk is greater than or equal to the subduction of the main risk;
and determining the subduction insurance of the additional risk according to the maximum subduction insurance of the additional risk and the minimum subduction insurance of the additional risk.
2. The method of claim 1, wherein determining the additional risk reduction amount according to the amount reduction ratio and the main risk reduction amount comprises:
and calculating the product of the insurance reduction proportion and the main insurance reduction insurance to obtain the additional insurance reduction insurance.
3. The method according to claim 1 or 2, wherein after the determining of the additional risk reduction amount according to the amount reduction ratio and the main risk reduction amount, further comprising:
acquiring the reduction insurance matched with the additional risk identifier according to a preset corresponding relation between the risk identifier and the reduction insurance;
when the matched subduction amount is larger than the subduction amount of the additional risk, calculating a difference between the matched subduction amount and the subduction amount of the additional risk, and returning the difference to the payment account; the payment account is obtained according to a payment record associated with the unique identifier of the policy.
4. The method for processing a policy according to claim 1, wherein said policy information further includes customer information including age, occupation;
the determining the reduction insurance amount of the main insurance and the reduction insurance amount of the additional insurance according to the initial insurance amount of the main insurance and the initial insurance amount of the additional insurance in the policy information includes:
determining an abatement coefficient from the customer information;
and calculating the subduction insurance of the main insurance and the subduction insurance of the additional insurance according to the subduction coefficient, the initial insurance of the main insurance and the initial insurance of the additional insurance.
5. A server comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, the processor implementing the steps of when executing the computer program:
acquiring the amount reduction request information sent by the terminal; the insurance amount reduction request information is used for maintaining the insurance policy in an effective state in the insurance period in a manner of reducing the insurance amount of the main insurance and the insurance amount of the additional insurance when the insurance amount reduction request information is used for requesting that the payment period is not full and the insurance is stopped; the amount reduction request information comprises a unique identifier of a policy;
acquiring the policy information of the policy according to the unique identifier of the policy in the policy reduction request information; the insurance policy information comprises a main insurance identifier, an additional insurance identifier, an initial insurance amount of the main insurance and an initial insurance amount of the additional insurance, wherein the initial insurance amount of the main insurance is greater than or equal to the initial insurance amount of the additional insurance;
determining the reduction insurance amount of the main insurance and the reduction insurance amount of the additional insurance according to the initial insurance amount of the main insurance and the initial insurance amount of the additional insurance in the insurance policy information; the reduced insurance amount refers to insurance amount after being reduced on the basis of initial insurance amount, and the reduced insurance amount of the additional insurance is larger than the reduced insurance amount of the main insurance;
updating the policy information of the policy according to the reduced insurance amount of the main insurance and the reduced insurance amount of the additional insurance;
the determining the reduction insurance amount of the main insurance and the reduction insurance amount of the additional insurance according to the initial insurance amount of the main insurance and the initial insurance amount of the additional insurance in the policy information includes:
calculating the quotient of the initial insurance amount of the additional insurance and the initial insurance amount of the main insurance in the insurance policy information to obtain an insurance amount reduction proportion;
acquiring the subduction insurance matched with the main insurance identifier according to a preset corresponding relation between the risk identifier and the subduction insurance, and acquiring the subduction insurance of the main insurance;
determining the additional risk reduction insurance according to the insurance reduction proportion and the main risk reduction insurance;
the determining the additional risk reduction amount according to the amount reduction ratio and the main risk reduction amount comprises:
determining the maximum reduction insurance amount of the additional insurance and the minimum reduction insurance amount of the additional insurance according to the insurance reduction proportion and the main insurance reduction insurance; wherein the minimum subduction of the additional risk is greater than or equal to the subduction of the main risk;
and determining the subduction insurance of the additional risk according to the maximum subduction insurance of the additional risk and the minimum subduction insurance of the additional risk.
6. The server of claim 5, wherein after the determining the additional risk amount based on the rate of reduction of the risk amount and the amount of reduction of the main risk amount, the processor when executing the computer program further performs the steps of:
acquiring the reduction insurance matched with the additional risk identifier according to a preset corresponding relation between the risk identifier and the reduction insurance;
when the matched subduction amount is larger than the subduction amount of the additional risk, calculating a difference between the matched subduction amount and the subduction amount of the additional risk, and returning the difference to the payment account; the payment account is obtained according to a payment record associated with the unique identifier of the policy.
7. A computer readable storage medium storing a computer program, characterized in that the computer program when executed by a processor implements the steps of the method according to any one of claims 1 to 5.
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| CN109816470B (en) * | 2018-12-15 | 2023-11-10 | 中国平安人寿保险股份有限公司 | Dangerous seed recommending method and device, electronic equipment and computer readable storage medium |
| CN109976944B (en) * | 2019-02-18 | 2021-05-07 | 北京三快在线科技有限公司 | Data processing method and system, storage medium and electronic device |
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