CN109636629B - Policy data processing method, policy data processing device, policy data processing medium and electronic device - Google Patents
Policy data processing method, policy data processing device, policy data processing medium and electronic device Download PDFInfo
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Abstract
The embodiment of the invention relates to the technical field of computers, and provides a method, a device, a medium and electronic equipment for processing policy data, wherein the method comprises the following steps: receiving a policy calling request sent by a first server, and judging whether the policy calling request corresponds to multiple policy risk types, wherein the multiple policy risk types are risk types of which the number of generated policies in unit time is greater than a preset threshold value; if the policy calling request corresponds to the multiple policy risk types, acquiring multiple policies according to the policy calling request; and integrating the plurality of policy forms into an equivalent policy, and sending the equivalent policy to the first server to complete policy processing on the multiple policy risks. The technical scheme of the embodiment of the invention can solve the problem of low policy processing efficiency caused by data transmission of a large amount of policy data between servers, can improve the claim settlement efficiency of insurance companies, and simultaneously improves the claim settlement experience of clients.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a processing method of policy data, a processing device of policy data, a computer readable medium and electronic equipment.
Background
Along with the improvement of the national insurance consciousness, more and more customers buy different types of insurance, thereby providing multi-directional guarantee for the life of the customers. Meanwhile, the insurance company provides rich dangerous varieties for clients to select in order to meet the requirements of the clients. Wherein, the insurance company provides the dangerous seeds with larger insurance policy quantity, namely the dangerous seeds with the insurance policy quantity larger than a certain value in unit time. The insurance provided for the take-out delivery personnel or the network appointment vehicle driver is exemplarily characterized in that each single take-out delivered by the take-out delivery personnel corresponds to one insurance policy, and each single journey completed by the network appointment vehicle driver also corresponds to one insurance policy, so that the insurance policy amount per unit time greatly exceeds other dangerous species such as financial risk, personal risk and the like for each take-out delivery personnel or network appointment vehicle driver.
In the prior art, for dangerous species with the policy amount larger than a certain value in unit time, when the policy of a certain client is obtained, the policy is inquired through the client identifier, and the inquired policy is called. Due to the large number of the policy, the efficiency of calling the policy is low, and system crash is also possible, thereby causing low processing efficiency of the policy. Moreover, after the client goes out of insurance, the policy processing efficiency directly influences the claim settlement efficiency of the client, and the lower claim settlement efficiency causes poor claim settlement experience of the client.
It is to be noted that the information disclosed in the above background section is only for enhancement of understanding of the background of the present invention and therefore may include information that does not constitute prior art known to a person of ordinary skill in the art.
Disclosure of Invention
Embodiments of the present invention provide a policy data processing method, a policy data processing apparatus, a computer readable medium, and an electronic device, so as to overcome, at least to some extent, the disadvantages of low claim settlement efficiency for multiple policy risks and poor claim settlement experience for a client in the prior art.
Additional features and advantages of the invention will be set forth in the detailed description which follows, or may be learned by practice of the invention.
According to a first aspect of the embodiments of the present invention, there is provided a method for processing policy data, including:
receiving a policy calling request sent by a first server, and judging whether the policy calling request corresponds to multiple policy risk types, wherein the multiple policy risk types are risk types of which the number of generated policies in unit time is greater than a preset threshold value;
if the policy calling request corresponds to the multiple policy risk types, acquiring multiple policies according to the policy calling request;
and integrating the plurality of policy forms into an equivalent policy, and sending the equivalent policy to the first server to complete policy processing on the multiple policy risks.
In some embodiments of the present invention, based on the foregoing solution, the policy invocation request includes: identifying dangerous seeds; wherein the content of the first and second substances,
determining whether the policy invocation request corresponds to a multiple policy risk category, comprising:
and judging whether the dangerous seed identification exists in a preset multi-policy dangerous seed identification library.
In some embodiments of the present invention, based on the foregoing solution, the policy invocation request includes: client identification, query start time and query deadline; wherein the content of the first and second substances,
obtaining a plurality of policy according to the policy calling request, including:
acquiring N first insurance policies belonging to the customer according to the customer identification;
determining M second policy in the N first policies according to the dangerous type identification;
determining S target insurance policies in the M second insurance policies according to the query starting time and the query deadline; wherein, M is more than or equal to S and less than or equal to N.
In some embodiments of the present invention, based on the foregoing scheme, each of the target policies comprises an effective time, a premium; wherein the content of the first and second substances,
integrating said plurality of policies to form an equivalent policy comprising:
acquiring the earliest effective time in the S target insurance policies as a first effective time;
determining a second validation time according to the policy validity period and the query deadline of the multiple policy risk types;
acquiring the later one of the first effective time and the second effective time as the actual effective time of the equivalent policy;
and taking the sum of the premium of the target policy in the time period from the actual effective time to the query deadline as the premium of the equivalent policy, and taking the sum of the premium of the target policy in the time period from the actual effective time to the query deadline as the premium of the equivalent policy.
In some embodiments of the present invention, based on the above scheme, the query start time is insurance start purchase time, and the query deadline is insurance time.
According to a second aspect of the embodiments of the present invention, there is provided a method for processing policy data, including:
receiving an insurance claim settlement request sent by a client, and judging whether the insurance claim settlement request corresponds to multiple policy risk types, wherein the multiple policy risk types are risk types of which the number of generated policies in unit time is greater than a preset threshold value;
if the insurance claim settlement request corresponds to the multiple policy insurance types, generating a policy calling request according to the insurance claim settlement request, and sending the policy calling request to a second server;
receiving an equivalent policy sent by the second server, wherein the equivalent policy is formed by the second server acquiring a plurality of policies according to the policy calling request and integrating the policies;
and carrying out claims settlement on the client according to the equivalent insurance policy.
In some embodiments of the present invention, based on the foregoing, the insurance claim request includes: the time when insurance starts to buy and the time when insurance leaves an insurance; wherein the content of the first and second substances,
generating a policy invocation request according to the insurance claim settlement request, wherein the policy invocation request comprises the following steps:
and generating the query starting time of the policy calling request according to the insurance starting purchase time, and generating the query deadline of the policy calling request according to the insurance emergence time, so that the second server acquires a plurality of policies according to the policy calling request and integrates the policies to form the equivalent policy.
According to a third aspect of the embodiments of the present invention, there is provided a processing apparatus for policy data, including:
the policy calling request receiving module is used for receiving a policy calling request sent by a first server and judging whether the policy calling request corresponds to multiple policy risky species, wherein the multiple policy risky species are risky species which generate policies in unit time and are larger than a preset threshold value;
the policy obtaining module is used for obtaining a plurality of policies according to the policy calling request if the policy calling request corresponds to the multi-policy risk species;
and the integration module is used for integrating the multiple insurance policies to form an equivalent insurance policy and sending the equivalent insurance policy to the first server so as to finish the insurance policy processing of the multiple insurance policy risk types.
According to a fourth aspect of the embodiments of the present invention, there is provided a processing apparatus for policy data, including:
the system comprises an insurance claim settlement request receiving module, a data processing module and a data processing module, wherein the insurance claim settlement request receiving module is used for receiving an insurance claim settlement request sent by a client and judging whether the insurance claim settlement request corresponds to multiple insurance policy, and the multiple insurance policy is an insurance policy which generates insurance policies in unit time and the number of the insurance policies is larger than a preset threshold value;
the insurance policy calling request determining module is used for generating an insurance policy calling request according to the insurance claim settlement request and sending the insurance policy calling request to a second server if the insurance claim settlement request corresponds to the multiple insurance policy;
an equivalent policy receiving module, configured to receive an equivalent policy sent by the second server, where the equivalent policy is formed by acquiring, by the second server, a plurality of policies according to the policy calling request and integrating the policies;
and the claim settlement module is used for settling the claims on the client according to the equivalent insurance policy.
According to a fifth aspect of embodiments of the present invention, there is provided a computer readable medium, on which a computer program is stored, which when executed by a processor, implements a method of processing policy data as described in the first or second aspect of the embodiments above.
According to a sixth aspect of an embodiment of the present invention, there is provided an electronic apparatus including: one or more processors; a storage device for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement a method of processing policy data as described in the first or second aspects of the embodiments above.
The technical scheme provided by the embodiment of the invention has the following beneficial effects:
on the one hand, in the technical solutions provided by some embodiments of the present invention, a policy invocation request sent by a first server to a second server is received, and the second server obtains a plurality of policies after determining that the policy invocation request corresponds to a plurality of policy risks, but does not directly return the obtained policies to the first server, but integrates the policies to form an equivalent policy, and returns the equivalent policy to the first server. Therefore, the problem of low policy processing efficiency caused by data transmission of a large amount of policy data between servers is solved.
On the other hand, in the technical solutions provided by some embodiments of the present invention, instead of receiving a plurality of policy and further processing the plurality of policy, the first server processes the client to claim by receiving an equivalent policy, so that the claim processing efficiency of the insurance company is improved, and the claim processing experience of the client is improved.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the invention, as claimed.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description, serve to explain the principles of the invention. It is obvious that the drawings in the following description are only some embodiments of the invention, and that for a person skilled in the art, other drawings can be derived from them without inventive effort. In the drawings:
FIG. 1 shows a flow diagram of a method of processing policy data according to an embodiment of the invention;
FIG. 2 illustrates a flow diagram of a method of acquiring a plurality of policies according to an embodiment of the invention;
FIG. 3 illustrates a flow diagram of a method of determination of an equivalent policy according to an embodiment of the present invention;
FIG. 4 shows a flow diagram of a method of processing policy data according to an embodiment of the invention;
FIG. 5 shows a schematic structural diagram of a processing device for policy data according to an embodiment of the invention;
FIG. 6 shows a schematic structural diagram of a processing device for policy data according to an embodiment of the invention;
FIG. 7 illustrates a schematic structural diagram of a computer system suitable for use with the electronic device to implement an embodiment of the invention.
Detailed Description
Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art.
Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to provide a thorough understanding of embodiments of the invention. One skilled in the relevant art will recognize, however, that the invention may be practiced without one or more of the specific details, or with other methods, components, devices, steps, and so forth. In other instances, well-known methods, devices, implementations or operations have not been shown or described in detail to avoid obscuring aspects of the invention.
The block diagrams shown in the figures are functional entities only and do not necessarily correspond to physically separate entities. I.e. these functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor means and/or microcontroller means.
The flow charts shown in the drawings are merely illustrative and do not necessarily include all of the contents and operations/steps, nor do they necessarily have to be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the actual execution sequence may be changed according to the actual situation.
Fig. 1 shows a flow diagram of a method of processing policy data according to an embodiment of the invention. The processing method of policy data provided by the embodiment overcomes the defects that in the policy process of multiple policy risk types in the prior art, data call is long in time consumption and system crash is easy to cause, so that the policy processing efficiency is low to a certain extent. The execution main body of the policy data processing method provided by this embodiment may be a device having a calculation processing function, such as a server.
Referring to fig. 1, the policy data processing method includes:
step S101, receiving a policy calling request sent by a first server, and judging whether the policy calling request corresponds to multiple policy risk types, wherein the multiple policy risk types are risk types of which the number of generated policies in unit time is larger than a preset threshold value;
step S102, if the policy calling request corresponds to the multiple policy risk types, obtaining multiple policies according to the policy calling request;
step S103, integrating the multiple insurance policies to form an equivalent insurance policy, and sending the equivalent insurance policy to the first server to complete the insurance policy processing of the multiple insurance policy risk types.
In the technical solution provided in the embodiment shown in fig. 1, on one hand, a policy invocation request sent by a first server to a second server is received, and the second server obtains a plurality of policies after determining that the policy invocation request corresponds to a plurality of policy risks, but does not directly return the obtained policies to the first server, but integrates the policies to form an equivalent policy, and returns the equivalent policy to the first server. Therefore, the problem of low policy processing efficiency caused by data transmission of a large amount of policy data between servers is solved. On the other hand, the first server carries out claim settlement on the client by receiving one equivalent policy instead of receiving a plurality of policies and carrying out claim settlement after further processing the policies, so that the claim settlement efficiency of an insurance company is improved, and the claim settlement experience of the client is improved.
The specific implementation of the steps of the embodiment shown in fig. 1 is described in detail below:
in an exemplary embodiment, the risk species that generates a policy per unit time whose number is greater than a preset threshold is a multiple policy risk species. Illustratively, a risk with a mean policy number greater than 100 for a month is considered a multiple policy risk. For example, the takeaway delivery personnel purchase the insurance policy A, and specifically, a takeaway order corresponds to an insurance policy of the insurance policy A. If the overseer shipper delivers an average of 20 take-away orders a day, the number of policy for a take-away shipper a month is around 600. It can be seen that insurance a belongs to the multiple insurance policy category.
In an exemplary embodiment, collecting the breed identifications for all of the multiple insurance types in the insurance company constitutes a multiple insurance breed identification repository. The policy calling request in step S101 includes: and (5) identifying dangerous species. Further, by determining whether the risk type identifier in the policy invocation request exists in the multi-policy risk type identifier library, it can be determined whether the policy invocation request corresponds to the multi-policy risk type.
In an exemplary embodiment, after determining that the policy invocation request corresponds to a multiple policy risk, the second server further obtains a plurality of policies based on the policy invocation request. Fig. 2 is a flowchart illustrating a method for acquiring a plurality of policies according to an embodiment of the present invention, and a specific implementation manner of step S102 is explained below with reference to fig. 2.
Referring to fig. 2, the method for acquiring a plurality of policies provided in this embodiment includes:
step S201, obtaining N first insurance policies belonging to the customer according to the customer identification; step S202, determining S target insurance policies in the N second insurance policies according to the dangerous seed identification, the query starting time and the query deadline. Wherein S is less than or equal to N.
In an exemplary embodiment, including in the policy invocation request: client identification, query start time, query deadline. Wherein, the query starting time can be insurance starting purchasing time, and the query deadline can be insurance leaving time. Such as: the online taxi driver master purchases the customers with the multiple insurance policy B. The time for the insurance of the Master to start purchasing is 5 and 1 days in 2017, and the Master encounters a vehicle accident (belonging to the claim settlement range of the multi-policy insurance category B) in 7 and 20 days in 2018. Then, the teacher reports the insurance company. Further, the step of determining the policy calling request according to the first server of the insurance reporting information comprises the following steps: client identification (such as Master identity card number), query starting time (5/1/2017), and query ending time (20/7/2018).
Illustratively, the process of the second server obtaining a plurality of policies according to the policy invocation request corresponding to the master includes: and acquiring all the insurance policies belonging to the Master as a first insurance policy according to the master identity card number. Wherein, the first policy contains the policy of multiple policy insurance type B and possibly policy of other insurance types. Further, the policy of the multiple policy risk class B for the time period is determined in the first policy as the target policy based on the identity of the multiple policy risk class B, the query start time, and the query deadline.
In an exemplary embodiment, after obtaining the plurality of policies based on the policy invocation request, the second server generates an equivalent policy by integrating the plurality of policies, and further sends the equivalent policy to the first server. Fig. 3 shows a flowchart of a method for determining an equivalent policy according to an embodiment of the present invention, and a specific implementation manner of step S103 is explained below with reference to fig. 3.
Referring to fig. 3, the method for acquiring an equivalent policy provided in this embodiment includes steps S301 to S305.
In step S301, the earliest effective time among the S target policies is acquired as a first effective time.
The multi-policy insurance policy B is still used as an example for explanation. Each policy of the multiple policy risk species B is valid on the date of purchase, and the validity period of each policy is 12 months. In S target policies obtained according to the policy invocation request corresponding to the master, the earliest effective time is 2017, 5 and 1 months, that is, the first effective day in this embodiment is 2017, 5 and 1 months.
In step S302, a second validation time is determined based on the policy validity period and the query expiration time for the multiple policy risk categories.
Illustratively, the teacher's corresponding policy invocation request has a query deadline (e.g., a date of leaving insurance) of 2018, 7 and 20 days, and the policy validity period of the multi-policy security type B is one year, so as to determine that the second validation time is 2017, 7 and 20 days.
In step S303, acquiring a later one of the first effective time and the second effective time as an actual effective time of the equivalent policy; and step S304, using the sum of the premium of the target policy in the time period from the actual effective time to the query deadline as the premium of the equivalent policy, and using the sum of the premium of the target policy in the time period from the actual effective time to the query deadline as the premium of the equivalent policy.
Illustratively, the actual effective time of the equivalent policy determined according to the policy calling request corresponding to the teacher is 7 months and 20 days in 2017. Further, the sum of the premiums of the target policies in the time period from the actual effective time (2017, month 20) to the query deadline (2018, month 7, month 20) is taken as the premium of the equivalent policy, and the sum of the premiums of the target policies in the time period is taken as the premium of the equivalent policy.
Illustratively, the second server sends an equivalent policy determined according to the technical solution provided by the embodiment shown in fig. 3 to the first server, so that the first server can make a claim for the client according to the equivalent policy.
Fig. 4 shows a flow diagram of a method of processing policy data according to an embodiment of the invention. The processing method of policy data provided by the embodiment overcomes the defects of low claim settlement efficiency and poor claim settlement experience of customers for multiple policy risks in the prior art at least to a certain extent. The execution main body of the policy data processing method provided by this embodiment may be a device having a calculation processing function, such as a server.
It should be noted that the following technical terms involved in the embodiment shown in fig. 4 are the same as or corresponding to the technical terms corresponding to the embodiments shown in fig. 1 to 3, and the technical terms include: a first server, a second server, a policy invocation request, a multiple entry risk category, a policy, and an equivalent policy, and so on.
Referring to fig. 4, the method for processing policy data according to this embodiment includes steps S401 to S404.
In step S401, an insurance claim settlement request sent by a client is received, and it is determined whether the insurance claim settlement request corresponds to a multi-policy risk type, which is a risk type in which the number of generated policies per unit time is greater than a preset threshold.
Illustratively, collecting the breed identifications of all of the multiple-policy insurance types in the insurance company constitutes a multiple-policy insurance type identification repository. The request for insurance claim settlement in step S401 includes: and (5) identifying dangerous species. Further, the first server can judge whether the insurance claim request corresponds to multiple policy risk types by judging whether the risk type identification in the insurance claim request exists in the multiple policy risk type identification library.
In step S402, if the insurance claim request corresponds to the multiple policy insurance types, a policy invocation request is generated according to the insurance claim request, and the policy invocation request is sent to a second server.
Illustratively, the insurance claim request includes: insurance start purchase time, and insurance time. The specific implementation of the first server generating the policy invocation request according to the insurance claim settlement request may include: and generating the query starting time of the policy calling request according to the insurance starting purchase time, and generating the query deadline of the policy calling request according to the insurance emergence time, so that the second server acquires a plurality of policies according to the policy calling request and integrates the policies to form the equivalent policy.
In step S403, receiving an equivalent policy sent by the second server, where the equivalent policy is formed by acquiring a plurality of policies according to the policy calling request and integrating the policies by the second server; and, in step S404, making a claim to the customer based on the equivalent policy.
In the technical solution provided by the embodiment shown in fig. 4, after determining that the insurance claim request sent by the client corresponds to multiple policy risk types, the first server generates a policy making request according to the insurance claim request and sends the policy making request to the second server, so that the second server obtains multiple policies after determining that the policy making request corresponds to multiple policy risk types, and further integrates the multiple policies to form an equivalent policy. Thus, one equivalent policy sent by the second server is received, rather than multiple policies before the equivalent policy is formed. Therefore, the problem of low policy processing efficiency caused by data transmission of a large amount of policy data between servers is solved. Furthermore, the first server carries out claim settlement on the client by receiving an equivalent policy instead of receiving a plurality of policies and further processing the policies, so that the claim settlement efficiency of an insurance company is improved, and the claim settlement experience of the client is improved.
In each of the above exemplary embodiments, the equivalent policy includes the amount and premium determined from the plurality of policies and the actual validation time. Thus, the first server can directly settle the claims for the client according to the equivalent policy. The prior art is avoided, the multiple insurance policies are received, and a claim settlement method for a client is further determined according to the multiple insurance policies. The method for claim settlement of multiple policy risk types greatly reduces data interaction amount between servers, shortens policy processing efficiency of multiple policy risk types and claim settlement efficiency of multiple policy risk types, and is beneficial to improvement of claim settlement experience of clients.
Embodiments of the apparatus of the present invention will be described below, which can be used to perform the policy data processing method of the above-described embodiments of fig. 1 to 3 of the present invention.
Fig. 5 shows a schematic configuration diagram of a processing apparatus of policy data according to an embodiment of the present invention, and referring to fig. 5, the processing apparatus 500 of policy data includes: a policy calling request receiving module 501, a policy obtaining module 502 and an integrating module 503.
The policy calling request receiving module 501 is configured to receive a policy calling request sent by a first server, and determine whether the policy calling request corresponds to multiple policy risk types, where the multiple policy risk types are risk types in which the number of generated policies in a unit time is greater than a preset threshold;
the policy obtaining module 502 is configured to obtain a plurality of policies according to the policy calling request if the policy calling request corresponds to the multiple policy risk types;
the integration module 503 is configured to integrate the plurality of policy documents to form an equivalent policy document, and send the equivalent policy document to the first server, so as to complete policy processing on the multiple policy risk types.
In some embodiments of the present invention, based on the foregoing solution, the policy invocation request includes: and (5) identifying dangerous species.
The policy calling request receiving module 501 specifically determines whether the policy calling request corresponds to multiple policy risk types according to whether the risk type identifier exists in a preset multiple policy risk type identifier library.
In some embodiments of the present invention, based on the foregoing solution, the policy invocation request includes: client identification, query start time, query deadline.
The policy obtaining module 502 is specifically configured to: acquiring N first insurance policies belonging to the customer according to the customer identification; determining S target insurance policies in the N second insurance policies according to the dangerous seed identification, the query starting time and the query deadline; wherein S is less than or equal to N.
In some embodiments of the present invention, each of the target policies comprises an effective time, a premium, and a premium based on the foregoing scheme.
Wherein, the integration module 503 comprises: an effective time determination unit of the equivalent policy and a premium determination unit of the equivalent policy.
The validation time determination unit of the equivalent policy is configured to: acquiring the earliest effective time in the S target insurance policies as a first effective time; determining a second validation time according to the policy validity period and the query deadline of the multiple policy risk types; and acquiring the later one of the first effective time and the second effective time as the actual effective time of the equivalent policy.
The equivalent policy's premium determination unit is to: and taking the sum of the premium of the target policy in the time period from the actual effective time to the query deadline as the premium of the equivalent policy, and taking the sum of the premium of the target policy in the time period from the actual effective time to the query deadline as the premium of the equivalent policy.
In some embodiments of the present invention, based on the above scheme, the query start time is insurance start purchase time, and the query deadline is insurance time.
Since each functional module of the processing apparatus for policy data according to the exemplary embodiment shown in fig. 5 of the present invention corresponds to the steps of the exemplary embodiment of the processing method for policy data according to the embodiment shown in fig. 1 to 3, for details that are not disclosed in the embodiment of the apparatus of the present invention, please refer to the embodiment of the processing method for policy data according to the embodiment shown in fig. 1 to 3 of the present invention.
Another embodiment of the apparatus of the present invention is described below, which can be used to perform the policy data processing method of the above-described embodiment of fig. 4 of the present invention.
Fig. 6 shows a schematic configuration of a processing apparatus of policy data according to an embodiment of the present invention, and referring to fig. 6, the processing apparatus 600 of policy data includes: an insurance claim request receiving module 601, a policy invocation request determining module 602, an equivalent policy receiving module 603 and a claim settlement module 604.
The insurance claim settlement request receiving module 601 is configured to receive an insurance claim settlement request sent by a client, and determine whether the insurance claim settlement request corresponds to multiple policy risk types, where the multiple policy risk types are risk types in which the number of generated policies in a unit time is greater than a preset threshold;
the policy invocation request determining module 602 is configured to generate a policy invocation request according to the insurance claim request if the insurance claim request corresponds to the multiple policy insurance types, and send the policy invocation request to a second server;
the equivalent policy receiving module 603 is configured to receive an equivalent policy sent by the second server, where the equivalent policy is formed by acquiring, by the second server, a plurality of policies according to the policy calling request and integrating the policies;
the claim settlement module 604 is configured to settle a claim for the customer based on the equivalent policy.
In some embodiments of the present invention, based on the foregoing, the insurance claim request includes: insurance start purchase time, and insurance time.
The policy calling request determining module 602 is specifically configured to: and generating the query starting time of the policy calling request according to the insurance starting purchase time, and generating the query deadline of the policy calling request according to the insurance emergence time, so that the second server acquires a plurality of policies according to the policy calling request and integrates the policies to form the equivalent policy.
For details that are not disclosed in the embodiment of the apparatus of the present invention, reference is made to the embodiment of the processing method of policy data in the embodiment shown in fig. 4 of the present invention for details that are not disclosed in the embodiment of the apparatus of the present invention, because each functional module of the processing apparatus of policy data in the embodiment shown in fig. 6 of the present invention corresponds to the step of the above-mentioned embodiment of the processing method of policy data in the embodiment shown in fig. 4 of the present invention.
Referring now to FIG. 7, shown is a block diagram of a computer system 700 suitable for use with the electronic device implementing an embodiment of the present invention. The computer system 700 of the electronic device shown in fig. 7 is only an example, and should not bring any limitation to the function and the scope of use of the embodiments of the present invention.
As shown in fig. 7, the computer system 700 includes a Central Processing Unit (CPU)701, which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. In the RAM 703, various programs and data necessary for system operation are also stored. The CPU 701, the ROM 702, and the RAM 703 are connected to each other via a bus 704. An input/output (I/O) interface 705 is also connected to bus 704.
The following components are connected to the I/O interface 705: an input portion 706 including a keyboard, a mouse, and the like; an output section 707 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 708 including a hard disk and the like; and a communication section 709 including a network interface card such as a LAN card, a modem, or the like. The communication section 709 performs communication processing via a network such as the internet. A drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that a computer program read out therefrom is mounted into the storage section 708 as necessary.
In particular, according to an embodiment of the present invention, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the invention include a computer program product comprising a computer program embodied on a computer-readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 709, and/or installed from the removable medium 711. The computer program executes the above-described functions defined in the system of the present application when executed by the Central Processing Unit (CPU) 701.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units described in the embodiments of the present invention may be implemented by software, or may be implemented by hardware, and the described units may also be disposed in a processor. Wherein the names of the elements do not in some way constitute a limitation on the elements themselves.
As another aspect, the present application also provides a computer-readable medium, which may be contained in the electronic device described in the above embodiments; or may exist separately without being assembled into the electronic device. The computer readable medium carries one or more programs which, when executed by the electronic device, cause the electronic device to implement the method for processing policy data as described in the above embodiments.
For example, the electronic device may implement the following as shown in fig. 1: step S101, receiving a policy calling request sent by a first server, and judging whether the policy calling request corresponds to multiple policy risk types, wherein the multiple policy risk types are risk types of which the number of generated policies in unit time is larger than a preset threshold value; step S102, if the policy calling request corresponds to the multiple policy risk types, obtaining multiple policies according to the policy calling request; step S103, integrating the multiple insurance policies to form an equivalent insurance policy, and sending the equivalent insurance policy to the first server to complete the insurance policy processing of the multiple insurance policy risk types.
As another example, the electronic device may implement the steps shown in fig. 2 or fig. 3.
As another example, the electronic device may implement the following as shown in fig. 4: step S401, receiving an insurance claim settlement request sent by a client, and judging whether the insurance claim settlement request corresponds to multiple insurance policy, wherein the multiple insurance policy is an insurance policy of which the number of generated insurance policies in unit time is greater than a preset threshold; step S402, if the insurance claim settlement request corresponds to the multiple policy insurance types, generating a policy calling request according to the insurance claim settlement request, and sending the policy calling request to a second server; step S403, receiving an equivalent policy sent by the second server, where the equivalent policy is formed by the second server obtaining a plurality of policies according to the policy invocation request and integrating the plurality of policies.
It should be noted that although in the above detailed description several modules or units of the device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functionality of two or more modules or units described above may be embodied in one module or unit, according to embodiments of the invention. Conversely, the features and functions of one module or unit described above may be further divided into embodiments by a plurality of modules or units.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiment of the present invention can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which can be a personal computer, a server, a touch terminal, or a network device, etc.) to execute the method according to the embodiment of the present invention.
Other embodiments of the invention will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the invention following, in general, the principles of the invention and including such departures from the present disclosure as come within known or customary practice within the art to which the invention pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the invention being indicated by the following claims.
It will be understood that the invention is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the invention is limited only by the appended claims.
Claims (8)
1. A policy data processing method applied to a second server, the method comprising:
receiving an insurance policy calling request sent by a first server and generated according to an insurance claim settlement request, wherein the first server receives the insurance claim settlement request sent by a client and judges whether the insurance claim settlement request corresponds to multiple insurance policy or not, if so, the first server generates an insurance policy calling request according to the insurance claim settlement request and sends the insurance policy calling request to a second server; the policy calling request comprises a risk category identifier, a client identifier, a query starting time and a query deadline; judging whether the policy calling request corresponds to a multi-policy security risk category by judging whether the risk category identification exists in a preset multi-policy security risk category identification library or not, wherein the multi-policy security risk category is a risk category of which the number of generated policies in unit time is greater than a preset threshold value;
if the policy calling request corresponds to the multi-policy insurance, acquiring N first policies belonging to the client according to the client identifier, and determining S target policies in the N first policies according to the policy identifier, the query starting time and the query deadline; wherein S is less than or equal to N, and each target policy comprises effective time, premium and premium;
acquiring the earliest effective time in the S target policies as a first effective time, subtracting the policy validity period of the multi-policy risk species from the query deadline to determine a second effective time, acquiring the later one of the first effective time and the second effective time as the actual effective time of an equivalent policy, acquiring the sum of the premiums of the target policies in the time period from the actual effective time to the query deadline as the premium of the equivalent policy, and acquiring the sum of the guarantees of the target policies in the time period from the actual effective time to the query deadline as the guarantee of the equivalent policy to obtain the equivalent policy integrated by the target policies;
and sending the equivalent insurance policy to the first server, so that the first server carries out claims settlement on the client according to the equivalent insurance policy.
2. The method of claim 1, wherein the query start time is insurance start purchase time and the query deadline is insurance time.
3. A policy data processing method applied to a first server, the method comprising:
receiving an insurance claim settlement request sent by a client, and judging whether the insurance claim settlement request corresponds to multiple policy risk types, wherein the multiple policy risk types are risk types of which the number of generated policies in unit time is greater than a preset threshold value;
if the insurance claim settlement request corresponds to the multiple policy insurance types, generating a policy calling request according to the insurance claim settlement request, and sending the policy calling request to a second server; the policy calling request comprises a risk type identifier, a client identifier, a query starting time and a query ending time, and the second server judges whether the policy calling request corresponds to multiple policy risk types by judging whether the risk type identifier exists in a preset multiple policy identifier library;
receiving an equivalent policy sent by the second server; when judging that the policy calling request corresponds to the multiple policy, the second server acquires N first policies belonging to the client according to the client identifier, and determines S target policies in the N first policies according to the policy identifier, the query starting time and the query deadline; s is less than or equal to N, and each target policy comprises effective time, premium and premium; and obtaining the earliest effective time in the S target policies as a first effective time, subtracting the policy validity period of the multi-policy risk species from the query deadline to determine a second effective time, obtaining the later one of the first effective time and the second effective time as the actual effective time of the equivalent policy, taking the sum of the premiums of the target policies in the time period from the actual effective time to the query deadline as the premium of the equivalent policy, and taking the sum of the premiums of the target policies in the time period from the actual effective time to the query deadline as the premium of the equivalent policy to obtain the equivalent policy integrated by the target policies;
and carrying out claims settlement on the client according to the equivalent insurance policy.
4. The method of processing policy data according to claim 3, wherein the request for insurance claim settlement comprises: the time when insurance starts to buy and the time when insurance leaves an insurance; wherein the content of the first and second substances,
generating a policy invocation request according to the insurance claim settlement request, wherein the policy invocation request comprises the following steps:
and generating the query starting time of the policy calling request according to the insurance starting purchase time, and generating the query deadline of the policy calling request according to the insurance emergence time, so that the second server acquires a plurality of policies according to the policy calling request and integrates the policies to form the equivalent policy.
5. An apparatus for processing policy data, applied to a second server, the apparatus comprising:
the insurance policy calling request receiving module is used for receiving an insurance policy calling request which is sent by a first server and generated according to an insurance claim settlement request, the first server receives the insurance claim settlement request sent by a client and judges whether the insurance claim settlement request corresponds to multiple insurance policy, if yes, the insurance policy calling request is generated according to the insurance claim settlement request, and the insurance policy calling request is sent to a second server; the policy calling request comprises a risk category identifier, a client identifier, a query starting time and a query deadline; judging whether the policy calling request corresponds to a multi-policy security risk category by judging whether the risk category identification exists in a preset multi-policy security risk category identification library or not, wherein the multi-policy security risk category is a risk category of which the number of generated policies in unit time is greater than a preset threshold value;
a policy obtaining module, configured to, if the policy calling request corresponds to the multiple policy, obtain N first policies belonging to the customer according to the customer identifier, and determine S target policies among the N first policies according to the policy identifier, the query start time, and the query deadline; wherein S is less than or equal to N, and each target policy comprises effective time, premium and premium;
an integration module for obtaining an earliest validation time of the S target policies as a first validation time, subtracting the policy validity period of the multi-policy risk species from the query deadline to determine a second validation time, obtaining a later one of the first validation time and the second validation time as an actual validation time of an equivalent policy, taking a sum of premiums of the target policies in a time period from the actual validation time to the query deadline as a premium of the equivalent policy, and taking a sum of premiums of the target policies in a time period from the actual validation time to the query deadline as a premium of the equivalent policy, and obtaining the equivalent policy integrated by the target policy, and sending the equivalent policy to the first server, so that the first server can carry out claims settlement on the client according to the equivalent policy.
6. An apparatus for processing policy data, applied to a first server, the apparatus comprising:
the system comprises an insurance claim settlement request receiving module, a data processing module and a data processing module, wherein the insurance claim settlement request receiving module is used for receiving an insurance claim settlement request sent by a client and judging whether the insurance claim settlement request corresponds to multiple insurance policy, and the multiple insurance policy is an insurance policy which generates insurance policies in unit time and the number of the insurance policies is larger than a preset threshold value;
the insurance policy calling request determining module is used for generating an insurance policy calling request according to the insurance claim settlement request and sending the insurance policy calling request to a second server if the insurance claim settlement request corresponds to the multiple insurance policy; the policy calling request comprises a risk type identifier, a client identifier, a query starting time and a query ending time, and the second server judges whether the risk type identifier exists in a preset multi-policy risk type identifier library or not so as to judge that the policy calling request corresponds to a multi-policy risk type;
the equivalent policy receiving module is used for receiving the equivalent policy sent by the second server; when judging that the policy calling request corresponds to the multiple policy, the second server acquires N first policies belonging to the client according to the client identifier, and determines S target policies in the N first policies according to the policy identifier, the query starting time and the query deadline; s is less than or equal to N, and each target policy comprises effective time, premium and premium; and obtaining the earliest effective time in the S target policies as a first effective time, subtracting the policy validity period of the multi-policy risk species from the query deadline to determine a second effective time, obtaining the later one of the first effective time and the second effective time as the actual effective time of the equivalent policy, taking the sum of the premiums of the target policies in the time period from the actual effective time to the query deadline as the premium of the equivalent policy, and taking the sum of the premiums of the target policies in the time period from the actual effective time to the query deadline as the premium of the equivalent policy to obtain the equivalent policy integrated by the target policies;
and the claim settlement module is used for settling the claims on the client according to the equivalent insurance policy.
7. A computer-readable medium, on which a computer program is stored, which program, when being executed by a processor, carries out a method of processing policy data according to any one of claims 1 to 4.
8. An electronic device, comprising:
one or more processors;
storage means for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to carry out a method of processing policy data according to any one of claims 1 to 4.
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| CN110489275B (en) * | 2019-07-23 | 2023-06-02 | 中国平安财产保险股份有限公司 | Document information processing method and related equipment |
| CN110533366B (en) * | 2019-08-13 | 2022-04-01 | 北京三快在线科技有限公司 | Distribution order mark generation method, system and computer program medium |
| CN111489261B (en) * | 2020-04-16 | 2023-07-14 | 中国大地财产保险股份有限公司 | Reinsurance business processing method, device, equipment and readable storage medium |
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