CN114757791A

CN114757791A - Insurance class configuration device, insurance class configuration method, electronic equipment and storage medium

Info

Publication number: CN114757791A
Application number: CN202210508919.6A
Authority: CN
Inventors: 李飞云; 黄本华; 康旭宏; 刘洋; 谭霜
Original assignee: Beijing Huatong Mutual Technology Co ltd
Current assignee: Beijing Huatong Mutual Technology Co ltd
Priority date: 2022-05-10
Filing date: 2022-05-10
Publication date: 2022-07-15
Anticipated expiration: 2042-05-10
Also published as: CN114757791B

Abstract

The present disclosure provides an insurance class configuration device, including: the multi-level risk class configuration module configures an nth level risk class based on the received operation instruction, and configures an n +1 th level risk class for the configured nth level risk class based on the received operation instruction; the nth level risk class element configuration module is used for configuring the risk class elements of the nth level risk class based on the received operation instruction; the n + 1-level risk element configuration module is used for configuring the risk elements of the n + 1-level risk based on the received operation instruction; the n + 1-level risk class element configuration module is used for configuring the (n + 1) -level risk class of the nth-level risk class according to the configured risk class elements of the nth-level risk class. The disclosure also provides an insurance risk configuration method, an electronic device and a readable storage medium.

Description

Insurance class configuration device, insurance class configuration method, electronic equipment and storage medium

Technical Field

The present disclosure relates to the field of insurance information processing technologies, and in particular, to an insurance policy configuration apparatus and method, an electronic device, and a storage medium.

Background

At present, the insurance classes of some insurance companies are not many, and the independent management of the insurance classes is lacked.

There are also some insurance company's core system's insurance class more, have the processing module of the independent configuration insurance class, however when designing insurance class, the data structure is simpler, only insurance class or danger type (the first grade insurance class is insurance company's main business).

When there are sub-risk classes below one risk class, it is impossible to group and process multi-level risk classes, and there is little connection with other modules and functions, there is no general function management module in the risk class library, and it is impossible to add new targets, responsibilities, and terms, and it is only possible to add new targets, responsibilities, and terms in the corresponding library, and the processing efficiency is low, and the complexity of information processing is greatly increased.

Disclosure of Invention

In order to solve at least one of the above technical problems, the present disclosure provides an insurance class configuration apparatus, a method, an electronic device, and a storage medium.

According to an aspect of the present disclosure, there is provided an insurance class configuring apparatus including:

the multi-level risk class configuration module configures an nth level risk class based on the received operation instruction, configures an n +1 th level risk class for the configured nth level risk class based on the received operation instruction, and n is a natural number greater than or equal to 1;

An nth level risk class element configuration module that configures a risk class element of the nth level risk class based on the received operation instruction;

an n +1 th level risk element configuration module, configured to configure the risk elements of the n +1 th level risk based on the received operation instruction;

the n +1 level risk class element configuration module configures the n +1 level risk class element of the n level risk class based on the configured risk class element of the n level risk class.

An insurance-type configuration device according to at least one embodiment of the present disclosure further includes:

a risk class element association module that associates the configured risk class element of the nth level risk class to the (n + 1) th level risk class element configuration module based on the operation instruction received by the (n + 1) th level risk class element configuration module, so that the (n + 1) th level risk class element configuration module configures the (n + 1) th level risk class element of the nth level risk class based on the configured risk class element of the nth level risk class.

According to the insurance class configuration device of at least one embodiment of the present disclosure, the nth level insurance class element configuration module and the (n + 1) th level insurance class element configuration module have the same module structure.

According to the insurance class configuration device of at least one embodiment of the present disclosure, the association includes a copy operation.

According to the insurance class configuration device of at least one embodiment of the present disclosure, the number of the nth level insurance class element configuration modules is one or more than two, so as to configure one or more than two nth level insurance class elements.

According to the insurance class configuration device of at least one embodiment of the present disclosure, each nth level insurance class element configuration module corresponds to one or more than two nth +1 level insurance class element configuration modules, so as to configure one or more than two nth +1 level insurance class elements of one nth level insurance class.

According to the insurance risk class configuration device of at least one embodiment of the present disclosure, the multi-level risk class configuration module includes a risk class configuration sub-module, and the risk class configuration sub-module configures one or more final subordinate risk classes for the nth level risk class and/or the (n + 1) th level risk class based on the received operation instruction.

According to the insurance risk class configuration device of at least one embodiment of the present disclosure, the risk type configuration submodule configures one or more than two final subordinate risk classes for the nth stage risk class and/or the (n + 1) th stage risk class based on a final subordinate risk class stored in a memory/database in advance.

According to the insurance risk class configuration device of at least one embodiment of the present disclosure, the n + 1-th level risk class is configured for the configured nth level risk class based on the n + 1-th level risk class having a preset mapping relation with the nth level risk class.

According to an insurance risk class configuration device of at least one embodiment of the present disclosure, one or more than two final subordinate risk classes are configured for the nth level risk class or the n +1 th level risk class based on the final subordinate risk class having a preset mapping relationship with the nth level risk class or the n +1 th level risk class.

According to at least one embodiment of the present disclosure, the nth level risk element configuration module and the (n + 1) th level risk element configuration module each include the following sub-modules:

the risk information element configuration sub-module is used for configuring risk information elements of risk;

an insurance class clause element configuration submodule, configured to configure clause elements corresponding to one or more final subordinate insurance classes of the nth-level insurance class and/or the (n + 1) th-level insurance class;

wherein the clause element comprises one or more insurance clauses.

According to at least one embodiment of the present disclosure, the insurance class configuration module configures a term element of the final subordinate insurance class based on the final subordinate insurance class configured by the insurance class configuration module.

According to at least one embodiment of the present disclosure, the nth level risk element configuration module and the (n + 1) th level risk element configuration module each further include the following sub-modules:

the risk class component library element configuration sub-module is used for configuring component library elements of the nth level risk class and/or the (n + 1) th level risk class;

wherein the component library element comprises a responsibility component and a target component, the responsibility component is used for configuring one or more than two related responsibility information, and the target component is used for configuring one or more than two related target information.

According to the insurance risk class configuration device of at least one embodiment of the present disclosure, each related responsibility information in the responsibility component and one or more related target information in the target component have a preset mapping relation;

each related target information in the target components and one or more than two related responsibility information in the responsibility components have a preset mapping relation.

According to the insurance class configuration device of at least one embodiment of the present disclosure, the clause elements of the last subordinate insurance class are configured based on insurance clauses which are stored in a memory/database in advance and have a preset mapping relationship with the last subordinate insurance class.

According to the insurance risk class configuration device of at least one embodiment of the present disclosure, component library elements of the nth level risk class and/or the (n + 1) th level risk class are configured based on related responsibility information and related target information which are pre-stored in a memory/database and have a preset mapping relationship with the nth level risk class and/or the (n + 1) th level risk class.

According to the insurance risk type configuration device of at least one embodiment of the present disclosure, the component library element further includes a special engagement component and/or an additional description component, the special engagement component is used for configuring one or more than two pieces of special engagement information, and the additional description component is used for configuring one or more than two pieces of additional description information.

According to the insurance risk class configuration device of at least one embodiment of the present disclosure, the special contract component and the additional description component of the nth level risk class and/or the n +1 th level risk class are configured based on the special contract information and the additional description information which are pre-stored in the memory/database and have the preset mapping relationship with the nth level risk class and/or the n +1 th level risk class.

the risk class basic page element configuration sub-module is used for configuring basic page elements related to the nth level risk class and/or the (n + 1) th level risk class, the basic page elements comprise one or more than two of a basic information component, an applicant component, an insured component and a beneficiary component, and the basic page elements are used for generating an operable risk class insurance application operation page.

According to at least one embodiment of the present disclosure, the nth level risk element configuration module and the (n + 1) th level risk element configuration module each further include:

a basic function configuration sub-module, configured to configure a basic function related to the nth level risk class and/or the (n + 1) th level risk class;

the basic functional configuration sub-module comprises at least one of the following functional configuration components:

an application function configuration component at least for configuring application rules; the system comprises an underwriting function configuration component, a data processing component and a data processing component, wherein the underwriting function configuration component is at least used for configuring underwriting rules; the payment function configuration component is at least used for configuring payment rules; the correction function configuration component is at least used for configuring correction rules; the reporting function configuration component is at least used for configuring reporting rules; a claim function configuration component for at least configuring claim rules.

According to the insurance risk class configuration device of at least one embodiment of the present disclosure, each of the function configuration components is further configured to configure process information associated with each function configuration component.

According to another aspect of the present disclosure, there is provided an insurance class configuration method, including:

configuring an nth level risk class based on the received operation instruction, and configuring an n +1 th level risk class for the configured nth level risk class based on the received operation instruction;

configuring an insurance element of the nth level insurance category based on the received operation instruction;

configuring an insurance element of the (n + 1) th level insurance category based on the received operation instruction;

and configuring the (n + 1) th level risk class of the nth level risk class according to the configured risk class element of the nth level risk class.

According to the insurance class configuration method of at least one embodiment of the present disclosure, configuring an insurance class element of the (n + 1) th level insurance class based on a received operation instruction includes:

According to the insurance class configuration method of at least one embodiment of the present disclosure, configuring the risk class element of the nth level risk class based on the received operation instruction, and configuring the risk class element of the (n + 1) th level risk class based on the received operation instruction, each includes:

Configuring an risk class information element of the nth level risk class and/or the (n + 1) th level risk class;

configuring a clause element corresponding to one or more last subordinate insurance classes of the nth level insurance class and/or the (n + 1) th level insurance class;

wherein the clause element comprises one or more insurance clauses.

According to the insurance class configuration method of at least one embodiment of the present disclosure, configuring the risk class element of the nth level risk class based on the received operation instruction, and configuring the risk class element of the (n + 1) th level risk class based on the received operation instruction, further includes:

configuring component library elements of the nth level risk class and/or the (n + 1) th level risk class;

According to the insurance risk type configuration method of at least one embodiment of the disclosure, the component library element further comprises a special engagement component and/or an additional description component, wherein the special engagement component is used for configuring one or more than two pieces of special engagement information, and the additional description component is used for configuring one or more than two pieces of additional description information.

According to the insurance class configuration method of at least one embodiment of the present disclosure, configuring the risk class element of the nth level risk class based on the received operation instruction, and configuring the risk class element of the (n + 1) th level risk class based on the received operation instruction, further include:

configuring basic page elements related to the nth level risk class and/or the (n + 1) th level risk class;

the basic page elements comprise one or more than two of a basic information component, an applicant component, an insured person component and a beneficiary component, and the basic page elements are used for generating an insurance-like insurance application operation page capable of being operated.

configuring the relevant basic functions of the nth level risk class and/or the (n + 1) th level risk class;

wherein, configuring the basic functions related to the risk class comprises:

at least one of the application rule of the application function, the approval rule of the approval function, the payment rule of the payment function, the correction rule of the correction function, the report rule of the report function and the claim settlement rule of the claim settlement function is configured.

According to the insurance class configuration method of at least one embodiment of the present disclosure, the basic functions related to the insurance class are configured, and the method further includes: and configuring flow information associated with the basic function.

According to still another aspect of the present disclosure, there is provided an electronic device including:

a memory storing the insurance policy configuration apparatus according to any one of the embodiments of the present disclosure in a manner of storing an execution instruction; a processor that executes execution instructions stored by the memory to complete an insurance class configuration.

According to yet another aspect of the present disclosure, there is provided an electronic device including:

a memory storing execution instructions; a processor executing the execution instructions stored in the memory, so that the processor executes the insurance class configuration method according to any embodiment of the present disclosure.

According to still another aspect of the present disclosure, there is provided a readable storage medium storing the insurance class configuration apparatus of any one embodiment of the present disclosure in a manner of storing execution instructions.

According to still another aspect of the present disclosure, there is provided a readable storage medium having stored therein execution instructions, which when executed by a processor, are used for implementing the insurance class configuration method of any one of the embodiments of the present disclosure.

Drawings

The accompanying drawings, which are included to provide a further understanding of the disclosure and are incorporated in and constitute a part of this specification, illustrate exemplary embodiments of the disclosure and together with the description serve to explain the principles of the disclosure.

Fig. 1 is a block diagram schematically showing the structure of an insurance-related device according to an embodiment of the present disclosure.

Fig. 2 is a block diagram schematically showing the structure of an insurance-related device according to still another embodiment of the present disclosure.

Fig. 3 is a block diagram illustrating a structure of an insurance element configuration module of an insurance-based configuration apparatus according to an embodiment of the present disclosure.

Fig. 4 is a block diagram illustrating a structure of an insurance element configuration module of an insurance-based configuration apparatus according to another embodiment of the present disclosure.

Fig. 5 is a block diagram illustrating a structure of an insurance element configuration module of an insurance-class configuration apparatus according to another embodiment of the present disclosure.

Fig. 6 is a block diagram illustrating a structure of an insurance element configuration module of an insurance-class configuration apparatus according to still another embodiment of the present disclosure.

Fig. 7 is a flowchart illustrating an insurance class configuration method according to an embodiment of the present disclosure.

FIG. 8 is a schematic configuration flow diagram of a risk class element according to an embodiment of the disclosure.

Fig. 9 is a block diagram showing the structure of an insurance clause configuring means according to an embodiment of the present disclosure.

Fig. 10 is a block diagram schematically showing the structure of an insurance clause configuring means according to still another embodiment of the present disclosure.

Fig. 11 is a block diagram schematically illustrating the structure of an insurance clause configuring apparatus according to still another embodiment of the present disclosure.

Fig. 12 is a flowchart illustrating an insurance clause configuring method according to an embodiment of the present disclosure.

Fig. 13 is a flowchart illustrating an insurance clause configuring method according to still another embodiment of the present disclosure.

Fig. 14 is a flowchart illustrating an insurance clause configuring method according to still another embodiment of the present disclosure.

Description of the reference numerals

1000 insurance class configuration device

1002 multistage risk class configuration module

1004 first level risk class element configuration module

1006 second level risk class element configuration module

1008 risk class element association module

1016/3016 display module

1100/3100 bus

1200/3200 processor

1300/3300 memory

1400/3400 other circuits

2002 risk class information element configuration submodule

2004 insurance type clause element configuration submodule

2006 insurance component library element configuration submodule

2008 insurance type basic page element configuration submodule

2010 basic function configuration submodule

3000 insurance clause configuration device

3002 main insurance clause information configuration module

3004 related responsibility configuration module

3006 related subject matter configuration module

3008 save control

3010 additional insurance clause configuration module

3012 parameter configuration module

3014 the constants define the configuration modules.

Detailed Description

The present disclosure will be described in further detail with reference to the drawings and embodiments. It is to be understood that the specific embodiments described herein are for purposes of illustration only and are not to be construed as limitations of the present disclosure. It should be further noted that, for the convenience of description, only the portions relevant to the present disclosure are shown in the drawings.

It should be noted that the embodiments and features of the embodiments in the present disclosure may be combined with each other without conflict. Technical solutions of the present disclosure will be described in detail below with reference to the accompanying drawings in conjunction with embodiments.

Unless otherwise indicated, the illustrated exemplary embodiments/examples are to be understood as providing exemplary features of various details of some ways in which the technical concepts of the present disclosure may be practiced. Accordingly, unless otherwise indicated, features of the various embodiments may be additionally combined, separated, interchanged, and/or rearranged without departing from the technical concept of the present disclosure.

The use of cross-hatching and/or shading in the drawings is generally used to clarify the boundaries between adjacent components. As such, unless otherwise specified, the presence or absence of cross-hatching or shading does not convey or indicate any preference or requirement for a particular material, material property, size, proportion, commonality among the illustrated components and/or any other characteristic, attribute, property, etc., of a component. Further, in the drawings, the size and relative sizes of components may be exaggerated for clarity and/or descriptive purposes. While example embodiments may be practiced differently, the specific process sequence may be performed in a different order than that described. For example, two consecutively described processes may be performed substantially simultaneously or in an order reverse to the order described. In addition, like reference numerals denote like parts.

When an element is referred to as being "on" or "over," "connected to" or "coupled to" another element, it can be directly on, connected or coupled to the other element or intervening elements may be present. However, when an element is referred to as being "directly on," "directly connected to" or "directly coupled to" another element, there are no intervening elements present. For purposes of this disclosure, the term "connected" may refer to physically connected, electrically connected, and the like, with or without intervening components.

The terminology used herein is for the purpose of describing particular embodiments and is not intended to be limiting. As used herein, the singular forms "a", "an" and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. Furthermore, when the terms "comprises" and/or "comprising" and variations thereof are used in this specification, the presence of stated features, integers, steps, operations, elements, components and/or groups thereof are stated but does not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components and/or groups thereof. It is also noted that, as used herein, the terms "substantially," "about," and other similar terms are used as approximate terms and not as degree terms, and as such, are used to interpret inherent deviations in measured values, calculated values, and/or provided values that would be recognized by one of ordinary skill in the art.

The insurance class configuration apparatus, the insurance class configuration method, the electronic device, and the readable storage medium according to the present disclosure are described in detail below with reference to fig. 1 to 8.

The insurance class configuration device 1000 of the present disclosure includes:

The multistage danger class configuration module 1002 is configured to configure an nth-level danger class based on the received operation instruction, configure an n + 1-level danger class for the configured nth-level danger class based on the received operation instruction, wherein n is a natural number greater than or equal to 1;

the nth level risk class element configuration module is used for configuring the risk class elements of the nth level risk class based on the received operation instruction;

the n +1 level risk element configuration module is used for configuring the risk elements of the n +1 level risk based on the received operation instruction;

and the n +1 level risk class element configuration module is used for configuring the n +1 level risk class of the n level risk class according to the configured risk class element of the n level risk class.

It should be noted that, the present disclosure may further include an n +2 th level risk class element configuration module, an n +3 th level risk class element configuration module, and the like, so as to implement configuration of more levels of risk classes. Under the teaching of the technical solution disclosed herein, a first level risk class configuration module, a second level risk class configuration module, a third level risk class configuration module, a fourth level risk class configuration module, etc. are disposed in the insurance risk class configuration device, and all of them fall into the protection scope of the present disclosure.

The hierarchical configuration of the insurance classes can be realized by setting the multi-level insurance class configuration module 1002 to configure the n +1 th level insurance class for the configured nth level insurance class based on the received operation instruction, and the high-efficiency configuration of the lower-level insurance class elements can be realized by setting the n +1 th level insurance class element configuration module to configure the n +1 th level insurance class of the nth level insurance class based on the configured insurance class elements of the nth level insurance class.

The insurance class configuration apparatus 1000 of the present disclosure is described in detail below with an example in which the first level insurance class element configuration module 1004 and the second level insurance class element configuration module 1006 are an nth level insurance class element configuration module and an n +1 th level insurance class element configuration module, respectively.

Referring to fig. 1, an insurance device 1000 according to the present embodiment includes:

the multi-level risk class configuration module 1002, the multi-level risk class configuration module 1002 configures a first level risk class based on the received operation instruction, and configures a second level risk class for the configured first level risk class based on the received operation instruction;

a first level risk element configuration module 1004, wherein the first level risk element configuration module 1004 configures the risk elements of the first level risk based on the received operation instruction;

A second level risk element configuration module 1006, wherein the second level risk element configuration module 1006 configures the risk elements of the second level risk based on the received operation instruction;

wherein, the second level risk class element configuration module 1006 configures the risk class element of the second level risk class of the first level risk class based on the configured risk class element of the first level risk class.

Wherein, the insurance class is a category of insurance, the multi-level insurance class configuration module 1002 may configure a first level insurance class based on the received operation instruction, for example, increase, enable, disable, and/or delete, the number of the first level insurance classes may be one or more, and for example, the first level insurance class may be property insurance, strong insurance, business insurance, accident insurance, health insurance, life-time insurance, periodic life insurance, and the like.

In some embodiments, the first level risk class may not be configured with the second level risk class.

Taking property risk as an example of a first level risk class, it may be configured with a second level risk class such as family property risk.

According to the insurance risk class configuration apparatus 1000 of the preferred embodiment of the present disclosure, the multi-level risk class configuration module 1002 includes operation controls such as adding a first level risk class, enabling the first level risk class, disabling the first level risk class, and deleting the first level risk class, and executes configuration of the first level risk class based on these operation controls, and the multi-level risk class configuration module 1002 includes operation controls such as adding a second level risk class, enabling the second level risk class, disabling the second level risk class, and deleting the second level risk class, and executes configuration of the second level risk class for the configured first level risk class based on these operation controls.

Those skilled in the art, with the benefit of the present disclosure, may adjust the number/type of the operation controls of the multi-level risk class configuration module 1002, which falls within the protection scope of the present disclosure.

Referring to fig. 1, the insurance class configuration apparatus 1000 of the present disclosure further includes a display module 1016, and the multi-level insurance class configuration module 1002, the first-level insurance class element configuration module 1004, and the second-level insurance class element configuration module 1006 may be displayed through the display module 1016.

Fig. 2 is a block diagram schematically illustrating the structure of an insurance policy configuring apparatus 1000 according to still another embodiment of the present disclosure.

Referring to fig. 2, the insurance-related device 1000 according to the present embodiment further includes, in addition to the insurance-related device 1000 according to the above-described embodiment:

An insurance class element association module 1008, where the insurance class element association module 1008 associates the configured insurance class elements of the first level insurance class to the second level insurance class element configuration module 1006 based on an operation instruction received by the second level insurance class element configuration module 1006 (e.g., clicking an edit control to configure the insurance class elements of the second level insurance class), so that the second level insurance class element configuration module 1006 configures the insurance class elements of the second level insurance class of the first level insurance class based on the configured insurance class elements of the first level insurance class.

The insurance class configuration apparatus 1000 according to the present embodiment can improve the risk class element configuration efficiency of the lower level risk class (for example, the second level risk class) and improve the accuracy of the risk class element configuration by providing the risk class element association module 1008.

For the insurance class configuration apparatus 1000 according to the embodiments of the present disclosure, the first-level insurance class element configuration module 1004 and the second-level insurance class element configuration module 1006 preferably have the same module structure.

Among other things, the present disclosure preferably ensures that the risk class element association module 1008 can perform the association operations described above by setting the modular structure, i.e., the program architecture, of the subordinate and subordinate risk class element configuration modules to be the same.

For the insurance class configuring apparatus 1000 of the various embodiments of the present disclosure, preferably, the association operation described above includes a copy operation.

In some embodiments of the disclosure, the number of the first level risk class element configuration modules 1004 is one or more than two, so as to configure one or more than two risk class elements of the first level risk class.

In some embodiments of the disclosure, each first level risk class element configuration module 1004 corresponds to one or more second level risk class element configuration modules 1006 to configure the risk class elements of one or more second level risk classes of one first level risk class.

For the insurance class configuration device 1000 according to the foregoing embodiments, preferably, the second level risk class is configured for the configured first level risk class based on the second level risk class having a preset mapping relationship with the first level risk class.

The insurance class configuration device 1000 of the present disclosure can adapt to the insurance class configuration requirements of various application scenarios by preferably configuring the upper and lower-level insurance class element configuration modules as described above.

For the insurance class configuration apparatus 1000 according to various embodiments of the present disclosure, preferably, the multi-stage insurance class configuration module 1002 includes an insurance class configuration sub-module, and the insurance class configuration sub-module configures one or more than two final subordinate insurance classes for the first-stage insurance class and/or the second-stage insurance class based on the received operation instruction.

In some embodiments of the present disclosure, the multi-level risk class configuration module 1002 of the insurance risk class configuration apparatus 1000 configures only a plurality of first-level risk classes, and the multi-level risk class configuration module 1002 will include a plurality of risk class configuration sub-modules to respectively configure one or more than two final subordinate risk classes (i.e., risk classes) for the respective first-level risk classes.

In other embodiments of the present disclosure, the multi-level risk class configuration module 1002 of the insurance risk class configuration apparatus 1000 configures one or more than two second-level risk classes for each of the plurality of first-level risk classes, and the multi-level risk class configuration module 1002 includes a plurality of risk class configuration sub-modules to respectively configure one or more than two final subordinate risk classes (i.e., risk classes) for the respective second-level risk classes.

In still other embodiments of the present disclosure, if the multi-level risk class configuration module 1002 of the insurance risk class configuration apparatus 1000 configures a plurality of first-level risk classes and configures a second-level risk class for a part of the first-level risk classes, the multi-level risk class configuration module 1002 will include a plurality of risk class configuration sub-modules, so as to respectively configure one or more than two final subordinate risk classes for each second-level risk class and configure one or more than two final subordinate risk classes for the first-level risk classes not configured with subordinate risk classes.

With respect to the insurance class configuring apparatus 1000 of each of the above embodiments, preferably, the risk species configuring sub-module configures one or more than two final subordinate classes for the first-stage risk class and/or the second-stage risk class based on the final subordinate classes pre-stored in the memory/database.

For the insurance risk class configuration device 1000 according to each of the embodiments described above, it is preferable that one or more than two final subordinate risk classes are configured for the first level risk class or the second level risk class based on the final subordinate risk class having a preset mapping relationship with the first level risk class or the second level risk class.

Fig. 3 is a block diagram illustrating a structure of an insurance element configuration module of an insurance-based configuration apparatus 1000 according to an embodiment of the present disclosure.

Each risk class element configuration module (including the first level risk class element configuration module 1004, the second level risk class element configuration module 1006, etc.) of the present disclosure includes the following sub-modules:

the risk information element configuration sub-module 2002 is used for configuring the risk information elements of the risk;

an insurance class clause element configuration sub-module 2004, the insurance class clause element configuration sub-module 2004 being configured to configure clause elements corresponding to one or more final subordinate insurance classes of the first level insurance class and/or the second level insurance class;

Wherein the clause element comprises one or more insurance clauses.

Among them, the insurance clauses may be insurance clauses configured by the insurance clause configuration means described hereinafter in the present disclosure.

The risk information elements can be risk names, risk codes, remarks and the like.

The risk class information element configuration sub-module 2002 preferably includes a plurality of edit boxes based on which to effect editing/configuration of one or more risk class information elements.

According to the insurance risk class configuration apparatus 1000 of the preferred embodiment of the present disclosure, the risk class clause element configuration submodule 2004 of the present disclosure configures the clause elements of the final subordinate risk class based on the final subordinate risk class configured by the risk class configuration submodule described above.

Illustratively, each risk class element configuration module (first level risk class element configuration module 1004, second level risk class element configuration module 1006, etc.) when configuring the risk class element, the risk class clause element configuration sub-module 2004 will automatically associate with the last level subordinate risk class configured by the risk class configuration sub-module described above, preferably, the name, code, insurance clause, etc. of the last level subordinate risk class configured by the risk class configuration sub-module may be automatically copied to the risk class clause element configuration sub-module 2004.

The insurance class clause element configuration sub-module 2004 may include operation controls for editing, viewing, adding clauses, deleting, etc., through which operation instructions are received to implement editing of the clause elements corresponding to the final subordinate insurance class.

Those skilled in the art will adjust the type/number, etc. of the operation controls of the risk class clause element configuration sub-module 2004 in light of the technical solution disclosed herein, and all of them fall into the protection scope of the present disclosure.

Preferably, the term elements of the last subordinate insurance class are configured based on insurance terms stored in advance in the memory/database and having a preset mapping relationship with the last subordinate insurance class.

Fig. 4 is a block diagram illustrating a structure of an insurance element configuration module of an insurance-based configuration apparatus 1000 according to another embodiment of the present disclosure.

the risk component library element configuration submodule 2006 is used for configuring the component library elements of the first level risk class and/or the second level risk class;

the component library element comprises a responsibility component and a target component, wherein the responsibility component is used for configuring one or more than two related responsibility information, and the target component is used for configuring one or more than two related target information.

The responsibility components can include operation controls for viewing, adding and the like, and the target components can also include operation controls for viewing, adding and the like.

Based on the operation controls, the responsibility component configures the related responsibility information, and the target component configures the related target information.

The insurance risk class configuration device 1000 according to the preferred embodiment of the present disclosure, wherein each related responsibility information in the responsibility components has a preset mapping relationship with one or more related target information in the target components; each related target information in the target components and one or more related responsibility information in the responsibility components have a preset mapping relation.

Preferably, the component library elements of the first level risk class and/or the second level risk class are configured based on the related responsibility information and the related target information which are stored in the memory/database in advance and have a preset mapping relationship with the first level risk class and/or the second level risk class.

In some embodiments of the present disclosure, the component library element described above further comprises a special engagement component for configuring one or more than two special engagement information and/or an additional description component for configuring one or more than two additional description information.

The special appointment component may include operation controls for viewing, adding and the like, and the additional description component may also include operation controls for viewing, adding and the like.

Based on the operation controls, the special appointment component configures the special appointment information, and the additional description component configures the additional description information.

Preferably, the special contract component and the additional description component of the first level risk class and/or the second level risk class are configured based on special contract information and additional description information which are pre-stored in a memory/database and have a preset mapping relationship with the first level risk class and/or the second level risk class.

Fig. 5 is a block diagram schematically illustrating the structure of an insurance element configuration module of an insurance-class configuration apparatus 1000 according to another embodiment of the present disclosure.

the insurance class basic page element configuration sub-module 2008, wherein the insurance class basic page element configuration sub-module 2008 is used for configuring basic page elements related to the first level insurance class and/or the second level insurance class;

wherein the basic page element comprises one or more of a basic information component, an applicant component, an insured component and a beneficiary component, and the basic page element is used for generating an insurance-type insurance application operation page (such as a regular life insurance application operation page) capable of being operated.

The basic information component, the applicant component, the insured component and the beneficiary component are preferably in a table/form, and the basic information component, the applicant component, the insured component and the beneficiary component can all comprise editing controls, so that the basic information component, the applicant component, the insured component and the beneficiary component in the table/form can be edited through the editing controls.

Fig. 6 is a block diagram schematically illustrating the structure of an insurance element configuration module of an insurance-class configuration apparatus 1000 according to another embodiment of the present disclosure.

Each risk class element configuration module (including the first level risk class element configuration module 1004, the second level risk class element configuration module 1006, etc.) of the present disclosure includes:

a basic function configuration sub-module 2010, where the basic function configuration sub-module 2010 is configured to configure the relevant basic functions of the first level risk class and/or the second level risk class;

the base function configuration sub-module 2010 includes at least one of the following configuration components:

the application function configuration component is at least used for configuring application rules;

the system comprises an underwriting function configuration component, a resource allocation component and a resource allocation component, wherein the underwriting function configuration component is at least used for configuring underwriting rules;

the payment function configuration component is at least used for configuring payment rules;

The correction function configuration component is at least used for configuring correction rules;

the report function configuration component is at least used for configuring report rules;

and the claim settling function configuration component is at least used for configuring the claim settling rule.

Taking the configuration component of the underwriting function as an example, the underwriting rules may include automatic underwriting rules, policy-preserving rate tables, and the like.

In some embodiments of the present disclosure, each configuration component of the basic function configuration sub-module 2010 may configure, based on the received operation instruction, flow information associated with each function configuration component, for example, an underwriting function configuration component, and the associated flow information may include data definition, job level management, task definition, and the like.

The insurance risk configuring sub-module 2010 is provided to enable the insurance risk configuring apparatus 1000 of the present disclosure to be associated with other modules/apparatuses in the insurance processing system.

For example, the application function configuration component of the present disclosure may be associated with an application processing device/module in an insurance system, the approval function configuration component may be associated with an approval processing device/module in the insurance system, the payment function configuration component may be associated with a payment processing device/module in the insurance system, the correction function configuration component may be associated with an approval processing device/module in the insurance system, the application function configuration component may be associated with an application processing device/module in the insurance system, and the application function configuration component may be associated with an application processing device/module in the insurance system.

It should be noted that the insurance policy configuring apparatus 1000 of the present disclosure may be implemented by a hardware implementation using a processing system, and referring to fig. 1 and fig. 2, a dashed module therein may be a computer software program module.

The insurance class configuring apparatus 1000 of the present disclosure can also be implemented entirely based on a computer software program architecture.

The present disclosure also provides an insurance class configuration method, including:

and configuring the risk class elements of the (n + 1) th level risk class of the nth level risk class based on the configured risk class elements of the nth level risk class, wherein n is a natural number which is greater than or equal to 1.

Referring to fig. 7, the insurance policy configuration method S100 according to the present embodiment includes:

s102, configuring a first-level risk class based on the received operation instruction;

S104, configuring a second level risk class for the configured first level risk class based on the received operation instruction;

s106, configuring the risk elements of the first-level risk based on the received operation instruction;

s108, configuring risk elements of the second level risk based on the received operation instruction;

and configuring the risk class elements of the second level risk class of the first level risk class based on the configured risk class elements of the first level risk class.

According to the insurance class configuration method S100 of the preferred embodiment of the present disclosure, configuring the insurance class elements of the second level insurance class based on the received operation instruction includes:

According to the insurance risk configuration method S100 of the preferred embodiment of the present disclosure, configuring the risk elements of the first level risk class based on the received operation instruction, and configuring the risk elements of the second level risk class based on the received operation instruction, both include:

configuring an insurance information element of a first level insurance class and/or a second level insurance class;

configuring clause elements corresponding to one or more than two final subordinate insurance classes of the first-level insurance class and/or the second-level insurance class;

Wherein the clause element comprises one or more insurance clauses.

On the basis of the insurance class configuration method S100 of the foregoing embodiment, configuring the risk class elements of the first level risk class based on the received operation instruction, and configuring the risk class elements of the second level risk class based on the received operation instruction, further include:

configuring component library elements of the first level risk class and/or the second level risk class;

Preferably, the component library element further comprises a special appointment component and/or an additional description component, wherein the special appointment component is used for configuring one or more than two pieces of special appointment information, and the additional description component is used for configuring one or more than two pieces of additional description information.

Configuring basic page elements related to the first level risk class and/or the second level risk class;

the basic page elements comprise one or more than two of basic information components, insurance applicant components, insured person components and beneficiary components, and the basic page elements are used for generating an insurance application operation page capable of being operated.

wherein, configuring the basic functions related to the risk class comprises:

and configuring at least one of an application rule of the application function, an approval rule of the approval function, a payment rule of the payment function, a correction rule of the correction function, a case reporting rule of the case reporting function and a claim settlement rule of the claim settlement function.

In some embodiments of the disclosure, configuring the risk class related base function further comprises: and configuring the flow information associated with each basic function.

Fig. 8 is a schematic configuration flow diagram of an insurance class element according to an embodiment of the present disclosure, which may be used to configure the insurance class elements of each insurance class.

An electronic device according to an embodiment of the present disclosure includes: a memory storing the insurance risk type configuration apparatus 1000 according to any embodiment of the present disclosure in a manner of storing an execution instruction; and the processor executes the execution instruction stored by the memory to complete insurance class configuration.

An electronic device according to another embodiment of the present disclosure includes: a memory storing execution instructions; and a processor executing the execution instructions stored in the memory, so that the processor executes the insurance class configuration method S100 according to any embodiment of the present disclosure.

According to a readable storage medium of an embodiment of the present disclosure, the readable storage medium stores the insurance class configuration device 1000 of any embodiment of the present disclosure in a manner of storing execution instructions.

According to a readable storage medium of another embodiment of the present disclosure, the readable storage medium has stored therein an execution instruction, and the execution instruction is executed by a processor to implement the insurance class configuration method S100 of any one embodiment of the present disclosure.

The following is a technical solution of the series of applications of the present disclosure, that is, a technical solution of an insurance clause configuring device and an insurance clause configuring method, which are incorporated into the present disclosure by reference.

It should be noted that the following technical solutions are intended to better supplement the insurance class configuration device, method, electronic device, and storage medium of the present disclosure, and should not be construed as limiting the insurance class configuration device, method, electronic device, and storage medium of the present disclosure.

Hereinafter, the insurance clause configuring apparatus, the insurance clause configuring method, the electronic device, and the readable storage medium according to the present disclosure will be described in detail with reference to fig. 9 to 14.

Referring to fig. 9, the insurance clause configuring means 3000 of the present disclosure includes:

a main insurance clause information configuration module 3002, wherein the main insurance clause information configuration module 3002 is used for configuring at least one main insurance clause information of insurance clauses;

a related responsibility configuration module 3004, the related responsibility configuration module 3004 is configured to configure at least one piece of related responsibility information of the insurance clause;

a related subject configuration module 3006, the related subject configuration module 3006 being for configuring at least one related subject information of the insurance clause;

the saving control 3008, the saving control 3008 at least saves the main insurance clause information, the related responsibility information and the related target information based on the received operation instruction, so as to complete the insurance clause configuration;

The related responsibility information and the related target information have a preset mapping relation.

The main insurance clause information configuration module 3002 described in the present disclosure can receive an operation instruction to configure the main insurance clause information of insurance clauses, taking "personal injury accident insurance clauses" as an example of main insurance clauses, which may include a clause name, a clause code, a registration record number, a record time, and the like.

In some embodiments of the present disclosure, the insurance clause configuring means 3000 further comprises a display module 3016.

The main insurance clause information configuration module 3002 may be displayed through the display module 3016.

The major insurance clause information configuration module 3002 preferably includes a plurality of edit boxes based upon which to effect editing/configuration of one or more major insurance clause information.

The major insurance clause information configuration module 3002 may perform operations such as editing/configuring major insurance clause information based on the received operation instruction.

The operation instruction described in the present disclosure may be an operation instruction input by an operator based on an input device such as a touch screen, a mouse, a keyboard, or the like.

The related responsibility configuration module 3004 described in the present disclosure can also be displayed through the display module 3016, taking "personal accident insurance clause" as an example, the related responsibility information described in the present disclosure can be responsibility information related to principal insurance clause, such as "accident personal accident insurance premium", "accident injury insurance premium", and the like.

The related responsibility configuration module 3004 preferably includes an add control by which related responsibility information already stored in the memory/database can be added and an edit control by which the added related responsibility information can be edited/deleted.

The relevant responsibility configuration module 3004 can perform operations such as addition, editing/deletion of relevant responsibility information based on the received operation instruction.

The related responsibility information described above includes information of the related target and at least one piece of related responsibility information for benefits related to the information of the related target, and the related responsibility configuration module 3004 includes a related target configuration sub-module and a related responsibility configuration sub-module for benefits.

The related benefits responsibility information described above in the present disclosure can also be expressed as related benefits responsibility information, and the related subject information described in the present disclosure can be "insured" or the like. The related indemnity responsibility information described in the present disclosure may be information of "the identity", "the physical disability" of the insured person, etc., on the basis of which the insurer (insurance company) makes an indemnity. For the insured, the relevant loss liability information described in this disclosure corresponds to the relevant loss information.

The related-claims responsibility information of two or more related claims can be set in advance in the memory/database by a person skilled in the art in the form of metadata (data directory), and the related-claims responsibility configuration sub-module can configure the related-claims responsibility information in the related-claims responsibility information based on the related-claims responsibility information stored in advance in the memory/database.

The related responsibility information described above may further include responsibility identification information, and the responsibility identification information may include a responsibility name (for example, accident insurance), a responsibility code, and the like, and accordingly, the related responsibility configuration module 3004 of the present disclosure may include a responsibility identification information configuration sub-module, which may configure the responsibility identification information based on the received operation instruction.

The related target configuration sub-module, the related benefits responsibility configuration sub-module, and the responsibility identification information configuration sub-module described above may each include an add control/edit control. Under the teaching of the technical scheme disclosed by the present disclosure, a person skilled in the art performs structural adjustment on the related target configuration sub-module, the related claim payment responsibility configuration sub-module, and the responsibility identification information configuration sub-module, which all fall into the protection scope of the present disclosure.

According to a preferred embodiment of the present disclosure, the related responsibility configuration sub-module of the present disclosure can automatically configure the related subject information in the related responsibility information based on the related subject information configured by the related subject configuration module 3006.

Further, according to still another preferred embodiment of the present disclosure, the relevant responsibility configuration sub-module of the present disclosure is capable of configuring the relevant subject information in the relevant responsibility information based on the received operation instruction.

In the present disclosure, the information of the related target and the information of the related reimbursement responsibility have a preset mapping relationship.

The related subject configuration module 3006 described in this disclosure may be displayed by the display module 3016.

The related object configuration module 3006 preferably includes an add control by which related object information already stored in the memory/database can be added, and an edit control by which the added related object information can be deleted, etc.

The related subject configuration module 3006 may perform operations such as addition/deletion of related subject information based on the received operation instruction.

The save control 3008 described in this disclosure may be displayed via the display module 3016.

The save control 3008 may perform a save based on the received operation instruction to perform main insurance clause information, related responsibility information, related subject information, etc. to complete the insurance clause configuration.

The display module 3016 of the present disclosure preferably displays the major insurance clause information configuration module 3002, the related responsibility configuration module 3004, the related subject configuration module 3006, the save control 3008, and the like at the same time.

Under the teaching of the technical solution disclosed herein, the adjustment of the display modes of the main insurance clause information configuration module 3002, the related responsibility configuration module 3004, the related target configuration module 3006, the saving control 3008, and the like, by those skilled in the art, all fall within the protection scope of the present disclosure.

Preferably, the related responsibility information described in the present disclosure has a preset mapping relationship with the related subject information, and the preset mapping relationship may be stored in a form of a table in the memory/database, and in some embodiments of the present disclosure, one related subject information may have a preset mapping relationship with one or more than two limited number of related responsibility information, and one related responsibility information may have a preset mapping relationship with one or more than two limited number of related subject information.

According to one embodiment of the disclosure, the related responsibility information is "accident cause-of-death insurance fund" and "accident disability insurance fund", and the related subject information is "insured", that is, the two pieces of related responsibility information have a mapping relationship with the information of one related subject.

The insurance clause configuring apparatus 3000 of the present disclosure implements the modular configuration of the clause-related information (related responsibility information, related target information, etc.) having the mapping relationship, thereby improving the configuration efficiency of the insurance clauses, and since the different clause-related information (related responsibility information, related target information, etc.) has the preset mapping relationship, redundant operations/processes during the configuration of the insurance clauses are reduced, thereby further improving the configuration efficiency of the insurance clauses.

Fig. 10 is a block diagram schematically showing the structure of an insurance clause configuring means 3000 according to still another embodiment of the present disclosure.

Referring to fig. 10, the insurance clause configuring means 3000 of the present embodiment includes:

a main insurance clause information configuration module 3002, the main insurance clause information configuration module 3002 is used for configuring at least one main insurance clause information of insurance clauses;

a related responsibility configuration module 3004, the related responsibility configuration module 3004 being configured for configuring at least one related responsibility information for the insurance clause;

an additional insurance clause configuration module 3010, the additional insurance clause configuration module 3010 is configured to configure at least one additional insurance clause information of insurance clauses;

The saving control 3008, the saving control 3008 saves at least the main insurance clause information, the related responsibility information, the related subject information and the additional insurance clause information based on the received operation instruction, so as to complete the insurance clause configuration;

the related responsibility information and the related target information have a preset mapping relation;

the risk class to which the additional risk clause information belongs and the risk class to which the main risk clause information belongs are the same risk class or associated risk classes.

On the basis of the insurance clause configuring apparatus 3000 shown in fig. 9, the insurance clause configuring apparatus 3000 of the present embodiment preferably further includes an additional insurance clause configuring module 3010.

The additional insurance clause configuration module 3010 can be displayed through the display module 3016 described above.

The additional insurance clause configuration module 3010 preferably includes an add control through which additional insurance clause information already stored in the memory/database can be added, and an edit control through which additional insurance clause information can be edited/deleted.

The additional insurance clause configuration module 3010 may perform operations such as addition, editing/deletion of additional insurance clause information based on the received operation instruction.

In the process of configuring an insurance product, an insurance clause to be configured often includes a main insurance clause and an additional insurance clause attached to the main insurance clause, for example, for a personal accident injury insurance clause (main insurance clause), additional accident injury ambulance expense insurance clause, additional accident injury medical expense insurance clause, additional accident injury hospitalization close insurance clause and other additional insurance clause information may be attached.

The associated risk classes described above may be risk classes having a hierarchical relationship, such as a first level risk class and a second level risk class that is a lower level risk class of the first level risk class.

For example, vehicle insurance may be considered a first level insurance class and vehicle commercial insurance may be considered a second level insurance class, both of which are associated insurance classes.

The associated risk class may also be a risk class with some common attributes, such as risk classes with personal attributes: health risks, accident risks and the like, wherein both have personal attributes and are related risks.

With the insurance clause configuring apparatus 3000 of the above embodiment, it is preferable that the additional insurance clause information described in the present disclosure has a preset mapping relationship with the main insurance clause information described in the present disclosure.

For the insurance clause configuring device 3000 of each of the above embodiments, preferably, a mapping relationship between the additional insurance clause information and the main insurance clause information may be configured in advance, a certain main insurance clause information may establish a mapping relationship with a plurality of additional insurance clause information, and a certain additional insurance clause information may also establish a mapping relationship with a plurality of main insurance clause information.

Fig. 9 and 10 each show a block schematic configuration diagram of an insurance clause configuring apparatus 3000 employing a hardware implementation of a processing system.

The insurance policy configuring means 1000 and the insurance clause configuring means 3000 described in the present disclosure may be implemented based on the same hardware structure of the processing system, and both may be implemented based on one hardware structure.

For example, the insurance class configuration means 1000 and the insurance clause configuration means 3000 are configured in one electronic device (e.g., a computer).

The display module 1016 and the display module 3016 described above in this disclosure may be the same display module or different display modules.

The architecture of the hardware implementation described above in this disclosure may be implemented with a bus architecture. The bus architecture may include any number of interconnecting buses and bridges depending on the specific application of the hardware and the overall design constraints. The bus 1100/3100 couples various circuits including the one or more processors 1200/3200, memory 1300/3300, and/or hardware modules together. The bus 1100/3100 may also connect various other circuits 1400/3400 such as peripherals, voltage regulators, power management circuits, external antennas, and the like.

The bus 1100/3100 may be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, an Extended Industry Standard Architecture (EISA) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one connection line is shown, but no single bus or type of bus is shown.

It should be noted that the insurance clause configuring means 3000 of the present disclosure can also be implemented in the form of a computer software program architecture.

With the insurance clause configuring device 3000 according to each of the above embodiments, preferably, the mapping relationship between the related responsibility information and the related subject information is a mapping relationship based on a code.

For example, the memory/database may store a plurality of "related responsibility information" (i.e. insurance responsibility information related to insurance clauses), a plurality of "related subject information" (i.e. insurance subject information related to insurance clauses), each "related responsibility information" being assigned a code (preferably a digital code), each "related subject information" also being assigned a code (preferably a digital code), and based on these codes, a code-based mapping relationship between the related responsibility information and the related subject information may be established.

With the insurance clause configuring means 3000 of each of the above embodiments, each of the insurance classes described above is given a code to characterize the association relationship between each of the insurance classes.

Illustratively, the risk classes may be life-long, accident, motor vehicle insurance, strong insurance, business insurance and the like, each of which may be assigned with a code (preferably a digital code), for example, the code for motor vehicle insurance is 01, the code for strong insurance is 011, and the code for business insurance is 012, and the association relationship between the risk classes may be characterized based on the coding features of the risk classes.

It should be noted that, in light of the technical solutions disclosed herein, those skilled in the art can characterize risk classes based on various coding features, and all of them fall into the protection scope of the present disclosure.

According to a preferred embodiment of the present disclosure, the preset mapping relationship between the additional insurance clause information and the main insurance clause information described in the present disclosure is a mapping relationship based on encoding.

Preferably, the related responsibility information is called from related responsibility information stored in the form of metadata, the related subject information is called from related subject information stored in the form of metadata, and the additional insurance clause information is called from additional insurance clause information stored in the form of metadata.

Fig. 11 is a block diagram schematically illustrating the structure of an insurance clause configuring device 3000 according to still another embodiment of the present disclosure.

Referring to fig. 11, the insurance clause configuring means 3000 of the present embodiment includes:

a rule parameter configuration module 3012, where the rule parameter configuration module 3012 configures rule parameters in a manner of editing a rule parameter table;

a constant definition configuration module 3014, where the constant definition configuration module 3014 performs constant definition configuration in a manner of editing at least one of a character string, a numerical value, and a date;

the saving control 3008, the saving control 3008 saves the main insurance clause information, the related responsibility information, the related subject information, the additional insurance clause information, the rule parameter table and the constant definition based on the received operation instruction, so as to complete the insurance clause configuration.

the risk class to which the additional risk clause information belongs and the risk class to which the main risk clause information belongs are the same risk class or associated risk classes;

the rule parameter table described in this embodiment includes, but is not limited to, a tariff table, a vocational classification table, and the like, and the rule parameter configuration module 3012 performs an editing operation on the rule parameter table based on the received operation instruction.

The rule parameter configuration module 3012 preferably includes an add control by which one or more rule parameter tables already stored in memory/database can be added and an edit control by which the added rule parameter tables can be edited/deleted, etc.

The constant definitions described in this disclosure may be grace period, litigation age, etc., preferably expressed in the form of a string.

The constant definition configuration module 3014 preferably includes an add control by which one or more constant definitions already stored in the memory/database can be added and an edit control by which the added constant definitions can be edited/deleted, etc.

It should be noted that the constant definition configuration module 3014 of the present disclosure may also perform constant definition configuration in an editing manner other than the manner of editing at least one of a character string, a numerical value, and a date, and all of them fall within the protection scope of the present disclosure.

The rule parameter configuration module 3012 and the constant definition configuration module 3014 may be displayed through the display module 3016 described above.

With the insurance clause configuring means 3000 of each of the embodiments described above, the main insurance clause information preferably includes main insurance clause docket information, and the additional insurance clause information preferably includes additional insurance clause docket information.

Referring to fig. 12, an insurance clause configuring method S300 of the present disclosure includes:

S302, configuring at least one main insurance clause information of insurance clauses;

s304, configuring at least one piece of related responsibility information of insurance clauses;

s306, configuring at least one piece of related target information of insurance clauses;

s308, at least storing the main insurance clause information, the related responsibility information and the related subject information to complete the insurance clause configuration.

Referring to fig. 13, the insurance clause configuring method S300 of the present embodiment includes:

s308, configuring at least one additional insurance clause information of the insurance clauses;

s310, at least storing the main insurance clause information, the related responsibility information, the related target information and the additional insurance clause information to complete insurance clause configuration.

The related responsibility information and the related target information have a preset mapping relationship, the risk class to which the additional risk item information belongs and the risk class to which the main risk item information belongs are the same risk class or an associated risk class, and the additional risk item information and the main risk item information have the preset mapping relationship.

The related responsibility information comprises related subject information and at least one piece of related claim payment responsibility information related to the related subject information.

Referring to fig. 14, the insurance clause configuring method S300 of the present embodiment includes:

s304, configuring at least one piece of related responsibility information of the insurance clause;

s306, configuring at least one piece of related target information of the insurance clause;

s308, configuring at least one piece of additional insurance clause information of the insurance clause;

s310, configuring at least one rule parameter table of insurance clauses;

s312, configuring at least one constant definition of insurance clauses;

s314, saving the main insurance clause information, the related responsibility information, the related target information, the additional insurance clause information, the rule parameter table and the constant definition to complete the configuration of the insurance clauses.

The insurance clause configuring means 3000 of the present disclosure may include corresponding modules that perform each or several of the steps of the above-described flowcharts. Accordingly, each step or several steps in the above-described flowcharts may be performed by a corresponding module, and the insurance clause configuring means 3000 of the present disclosure may include one or more of these modules. The modules may be one or more software modules specifically configured to perform the respective steps.

Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing specific logical functions or steps of the process, and the scope of the preferred embodiments of the present disclosure includes other implementations in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art to which the embodiments of the present disclosure pertain. The processor performs the various methods and processes described above. For example, method embodiments in the present disclosure may be implemented as a software program tangibly embodied in a machine-readable medium, such as a memory. In some embodiments, some or all of the software program may be loaded and/or installed via memory and/or a communication interface. When the software program is loaded into memory and executed by a processor, one or more steps of the method described above may be performed. Alternatively, in other embodiments, the processor may be configured to perform one of the methods described above by any other suitable means (e.g., by means of firmware).

The logic and/or steps represented in the flowcharts or otherwise described herein may be embodied in any readable storage medium for use by or in connection with an instruction execution system, apparatus, or device, such as a computer-based system, processor-containing system, or other system that can fetch the instructions from the instruction execution system, apparatus, or device and execute the instructions.

The present disclosure also provides an electronic device and a readable storage medium.

An electronic device according to an embodiment of the present disclosure includes: a memory storing the insurance clause configuring means 3000 of any one embodiment of the present disclosure in a manner of storing execution instructions; and the processor executes the execution instructions stored in the memory to complete the insurance clause configuration.

An electronic device according to still another embodiment of the present disclosure includes: a memory storing execution instructions; a processor executing the execution instructions stored by the memory to cause the processor to perform the insurance clause configuring method of any embodiment of the present disclosure.

According to a readable storage medium of an embodiment of the present disclosure, the readable storage medium stores the insurance clause configuring means 3000 of any one of the embodiments of the present disclosure in a manner of storing an execution instruction.

According to a readable storage medium of a further aspect of the present disclosure, the readable storage medium has stored therein an execution instruction, which when executed by a processor, is for implementing the insurance clause configuring method of any one of the embodiments of the present disclosure.

For the purposes of this description, a "readable storage medium" can be any means that can contain, store, communicate, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device. More specific examples (a non-exhaustive list) of the readable storage medium include the following: an electrical connection (electronic device) having one or more wires, a portable computer diskette (magnetic device), a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber device, and a portable read-only memory (CDROM). In addition, the readable storage medium may even be paper or another suitable medium upon which the program is printed, as the program can be electronically captured, via for instance optical scanning of the paper or other medium, then compiled, interpreted or otherwise processed in a suitable manner if necessary, and then stored in the memory.

In the description of the present specification, reference to the description of "one embodiment/implementation", "some embodiments/implementations", "examples", "specific examples", or "some examples", etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment/implementation or example is included in at least one embodiment/implementation or example of the present application. In this specification, the schematic representations of the terms described above are not necessarily the same embodiment/mode or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments/modes or examples. Furthermore, the various embodiments/aspects or examples and features of the various embodiments/aspects or examples described in this specification can be combined and combined by those skilled in the art without being mutually inconsistent.

Furthermore, the terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or to implicitly indicate the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one of the feature. In the description of the present application, "plurality" means at least two, e.g., two, three, etc., unless specifically limited otherwise.

It will be understood by those skilled in the art that the foregoing embodiments are provided merely for clarity of explanation and are not intended to limit the scope of the disclosure. Other variations or modifications may be made to the above disclosure by those skilled in the art, and still be within the scope of the present disclosure.

Claims

1. An insurance-type distribution apparatus, comprising:

the multi-level risk class configuration module configures an nth level risk class based on the received operation instruction, configures an n +1 th level risk class for the configured nth level risk class based on the received operation instruction, wherein n is a natural number greater than or equal to 1;

an nth level risk class element configuration module that configures a risk class element of the nth level risk class based on the received operation instruction; and

2. An insurance class deployment device according to claim 1, further comprising:

an insurance class element association module that associates the configured insurance class element of the nth level insurance class to the (n + 1) th level insurance class element configuration module based on the operation instruction received by the (n + 1) th level insurance class element configuration module, so that the (n + 1) th level insurance class element configuration module configures the (n + 1) th level insurance class element of the nth level insurance class based on the configured insurance class element of the nth level insurance class.

3. An insurance class configuration device according to claim 1 or 2, wherein the nth level insurance element configuration module and the (n + 1) th level insurance element configuration module have the same module structure.

4. An insurance class configuration device according to claim 1 or 2, wherein the association comprises a copy operation.

5. The insurance class configuration device according to claim 1 or 2, wherein the number of the nth class element configuration modules is one or more than two, so as to configure one or more than two nth class element configuration modules;

preferably, each nth level risk class element configuration module corresponds to one or more than two nth +1 level risk class element configuration modules, so as to configure the risk class elements of one or more than two nth +1 level risk classes of one nth level risk class;

Preferably, the multi-level risk class configuration module comprises a risk class configuration sub-module that configures one or more last subordinate risk classes for the nth level risk class and/or the n +1 th level risk class based on the received operation instruction;

preferably, the risk seed configuration sub-module configures one or more than two last-level subordinate risk classes for the nth-level risk class and/or the (n + 1) th-level risk class based on last-level subordinate risk classes pre-stored in a memory/database;

preferably, configuring the n +1 th level risk class for the configured nth level risk class based on the n +1 th level risk class having a preset mapping relation with the nth level risk class;

preferably, one or more than two final-stage subordinate risk classes are configured for the nth-stage risk class or the n +1 th-stage risk class based on the final-stage subordinate risk class having a preset mapping relation with the nth-stage risk class or the n +1 th-stage risk class;

preferably, the nth level risk element configuration module and the (n + 1) th level risk element configuration module each include the following sub-modules:

the risk information element configuration sub-module is used for configuring risk information elements of risk; and

Wherein the clause element comprises one or more insurance clauses;

preferably, the risk class clause element configuration sub-module configures clause elements of the last subordinate risk class based on the last subordinate risk class configured by the risk class configuration sub-module;

preferably, the nth level risk element configuration module and the (n + 1) th level risk element configuration module each further include the following sub-modules:

wherein the component library element comprises a responsibility component and a target component, the responsibility component is used for configuring one or more than two related responsibility information, and the target component is used for configuring one or more than two related target information;

preferably, each piece of relevant responsibility information in the responsibility component has a preset mapping relation with one or more pieces of relevant target information in the target component;

each piece of related target information in the target assemblies and one or more pieces of related responsibility information in the responsibility assemblies have a preset mapping relation;

Preferably, the term element of the last subordinate insurance class is configured based on insurance terms which are stored in a memory/database in advance and have a preset mapping relation with the last subordinate insurance class;

preferably, configuring component library elements of the nth level risk class and/or the (n + 1) th level risk class based on related responsibility information and related target information which are pre-stored in a memory/database and have a preset mapping relationship with the nth level risk class and/or the (n + 1) th level risk class;

preferably, the component library element further comprises a special appointment component and/or an additional description component, wherein the special appointment component is used for configuring one or more than two pieces of special appointment information, and the additional description component is used for configuring one or more than two pieces of additional description information;

preferably, configuring special appointment components and additional description components of the nth level risk class and/or the n +1 th level risk class based on special appointment information and additional description information which are pre-stored in a memory/database and have a preset mapping relationship with the nth level risk class and/or the n +1 th level risk class;

The risk basic page element configuration sub-module is used for configuring basic page elements related to the nth risk class and/or the (n + 1) th risk class;

the basic page elements comprise one or more than two of basic information components, insurance applicant components, insured components and beneficiary components, and are used for generating an insurance application operation page capable of being operated;

preferably, the nth level risk element configuration module and the (n + 1) th level risk element configuration module each further include:

a basic function configuration sub-module for configuring a relevant basic function of the nth level risk class and/or the (n + 1) th level risk class;

an application function configuration component for at least configuring application rules;

an underwriting function configuration component at least for configuring underwriting rules;

the system comprises a claim settlement function configuration component, a data processing component and a data processing component, wherein the claim settlement function configuration component is at least used for configuring claim settlement rules;

preferably, each of the function configuration components is further configured to configure process information associated with each function configuration component.

6. An insurance class configuration method is characterized by comprising the following steps:

configuring an insurance class element of the nth level insurance class based on the received operation instruction; and

configuring a risk class element of the (n + 1) th level risk class based on the received operation instruction;

configuring an (n + 1) th level risk class of an nth level risk class according to configured risk class elements of the nth level risk class;

preferably, configuring the risk class element of the (n + 1) th level risk class based on the received operation instruction comprises:

preferably, configuring the risk class element of the nth level risk class based on the received operation instruction, and configuring the risk class element of the (n + 1) th level risk class based on the received operation instruction each include:

Configuring an risk class information element of the nth level risk class and/or the (n + 1) th level risk class; and

wherein the clause element comprises one or more insurance clauses;

preferably, configuring the risk class element of the nth level risk class based on the received operation instruction, and configuring the risk class element of the (n + 1) th level risk class based on the received operation instruction, further include:

preferably, the component library element further comprises a special agreement component and/or an additional description component, wherein the special agreement component is used for configuring one or more than two pieces of special agreement information, and the additional description component is used for configuring one or more than two pieces of additional description information;

wherein, configuring the basic functions related to the risk class comprises:

configuring at least one of an application rule of an application function, an approval rule of an approval function, a payment rule of a payment function, a correction rule of a correction function, a case reporting rule of a case reporting function and a claim settlement rule of a claim settlement function;

preferably, the method further comprises the following steps of:

and configuring the flow information associated with each basic function.

7. An electronic device, comprising:

a memory storing the insurance class configuration apparatus of any one of claims 1 to 5 in a manner of storing execution instructions; and

A processor that executes execution instructions stored by the memory to complete insurance class configuration.

8. An electronic device, comprising:

a memory storing execution instructions; and

a processor executing execution instructions stored by the memory to cause the processor to perform the insurance class configuration method of claim 6.

9. A readable storage medium storing the insurance class configuration apparatus according to any one of claims 1 to 5 in a manner of storing execution instructions.

10. A readable storage medium having stored therein execution instructions, the execution instructions when executed by a processor being configured to implement the insurance class configuration method of claim 6.