WO2019104877A1 - 通过网站对接购买保险的方法、装置、设备及介质 - Google Patents
通过网站对接购买保险的方法、装置、设备及介质 Download PDFInfo
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- WO2019104877A1 WO2019104877A1 PCT/CN2018/076077 CN2018076077W WO2019104877A1 WO 2019104877 A1 WO2019104877 A1 WO 2019104877A1 CN 2018076077 W CN2018076077 W CN 2018076077W WO 2019104877 A1 WO2019104877 A1 WO 2019104877A1
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- WIPO (PCT)
- Prior art keywords
- insurance
- user
- premium
- website
- page
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
Definitions
- the present invention relates to the field of website docking, and in particular, to a method, device, device and computer readable storage medium for purchasing insurance through a website.
- the information about the health status filled out by the user is very simple. Under normal circumstances, the user's health status can only be filled in a healthy state, and the actual health status of the customer cannot be fully understood.
- the main object of the present invention is to provide a method, a device, a device and a computer readable storage medium for purchasing insurance through a website, aiming at solving the problem of jumping to the docked insurance system through the page jump mode, and not facilitating the channel side statistics. Sales data; the technical process of connecting the insurance system through the ESG platform is complicated and the authentication is inconvenient.
- the present invention provides a method for purchasing insurance through a website docking, the method comprising:
- the user health information page in the insurance system After obtaining the permission to retrieve the user health information page, the user health information page in the insurance system is retrieved, the user's health status information is extracted from the user health status information page, and the user is authenticated according to the user's health status information. Carry out smart underwriting;
- the insurance order is generated according to the insurance data filled in by the user and the obtained premium, so that the user can make the payment.
- the step of obtaining the premium of the insurance product selected by the current user includes:
- the step of generating the insurance order according to the insurance data filled in by the user and the obtained premium, so that the user performs the payment includes:
- the corresponding insurance order is generated according to the insurance data filled in by the user, the obtained premium and the charging plan of the current insurance promotion page;
- the method further includes:
- the receiving insurance system changes the status of the order through the data feedback feedback, and performs sales data statistics according to the specific status of the order.
- the step of obtaining the premium of the insurance product that the current user clicks and displaying the obtained premium includes:
- the page jumps, the docking jumps to the insurance system controls the insurance system to obtain the premium of the insurance product clicked by the current user, and displays the obtained premium.
- the method further includes:
- the insurance system is controlled according to the purchase insurance product instruction to extract the health status information filled in by the user, and the user is intelligently underwritten according to the health status information of the user.
- the method further includes:
- the insurance system is controlled to jump to the insurance purchase page
- the insurance data filled in by the user and the obtained premium are sent to the insurance system for the insurance system to generate the insurance order.
- the present invention also provides an apparatus for purchasing insurance through a website docking, the apparatus comprising:
- the obtaining module is configured to obtain the premium of the insurance product selected by the current user when the insurance product promotion order is detected on the insurance promotion page;
- a sending module configured to send information requesting to retrieve a user health information page to the insurance system
- An extraction module configured to retrieve a user health status information page in the insurance system after obtaining the permission to retrieve the user health status information page, and extract the user's health status information in the user health status information page, and according to the user's Health status information is intelligently underwritten by the user;
- the insurance order module is generated. After receiving the insurance data filled in by the user, the insurance order is generated according to the insurance data filled in by the user and the obtained premium, so that the user can make the payment.
- the present invention further provides an apparatus for purchasing insurance through a website docking
- the apparatus for purchasing insurance through a website docking includes a procedure for purchasing insurance through a website docking
- the program for purchasing insurance through the website docking is The step of implementing the method of purchasing insurance through the website as described above when executing the device for purchasing insurance through the website.
- the present invention further provides a computer readable storage medium, where the program for purchasing insurance through a website is stored, and the program for purchasing insurance through a website is executed by a processor.
- the steps of the method of purchasing insurance through the website docking as described above are implemented.
- the method, the device, the device and the computer readable storage medium for purchasing insurance through the website through the website when detecting the purchase insurance product instruction on the insurance promotion page, obtaining the premium of the insurance product selected by the current user, specifically through the HTTP interface Obtaining; then sending the information requesting to retrieve the user's health information page to the insurance system, in order to obtain the right to retrieve the user's health status information page, and after obtaining the permission to retrieve the user's health status information page, the insurance system is called.
- the user health status information page extracts the user's health status information in the user health status information page, where the user health status information page is a plurality of pages, each page has a detailed health status question and a user questioning the user
- the answer is to obtain the user's specific health status information, and then intelligently underwrite the user according to the user's health status information; after the user passes the intelligent underwriting, the insurance data filling page in the insurance system is extracted; when the user receives the filling After insuring the data, according to the use
- the insurance data and the obtained premiums generated by the user generate an insurance order for the user to make the payment, and the user can purchase the insurance through the insurance order, does not need to enter the insurance system to make the purchase, and obtains the premium and other information through HTTP.
- the interface or H5 interface is used for acquisition.
- the docking process is simple and the cost is low, which simplifies the process of docking and reduces the cost of docking.
- FIG. 1 is a schematic flow chart of a first embodiment of a method for purchasing insurance through a website docking
- FIG. 2 is a schematic flowchart of a fourth embodiment of a method for purchasing insurance through a website
- FIG. 3 is a schematic flowchart of a sixth embodiment of a method for purchasing insurance through a website
- FIG. 4 is a schematic flow chart of a seventh embodiment of a method for purchasing insurance through a website docking
- FIG. 5 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present invention.
- the main solution of the embodiment of the present invention is: when the insurance promotion page is detected, the premium of the insurance product selected by the current user is obtained, which can be obtained through an HTTP interface; and then the request is retrieved from the user's health status information.
- the information of the page is sent to the insurance system, so as to obtain the right to retrieve the information page of the user's health status, and after obtaining the permission to retrieve the information page of the user's health status, the user health information page in the insurance system is retrieved, and the user is healthy.
- the health information information of the user is extracted from the status information page, where the user health information information page is a plurality of pages, each page has a detailed health status question and a user's answer to the user, thereby obtaining specific health status information of the user.
- the user is intelligently underwritten; after the user passes the intelligent underwriting, the insurance data filling page in the insurance system is extracted; after receiving the insurance data filled in by the user, according to the insurance data and the user filling in the insurance data
- the premium generated to generate an insurance order In order for the user to make a payment, the user can purchase the insurance through the insurance order, and does not need to enter the insurance system to purchase, and the information such as obtaining the premium is obtained through the HTTP interface or the H5 interface, and the docking process is simple and the cost is low. This simplifies the docking process and reduces the cost of docking.
- the embodiment of the present invention considers that, at present, when a customer purchases an insurance product online, the information about the health status filled out by the user is very simple. Under normal circumstances, the health status of the user can only be filled in a good state of health, and the true health of the customer cannot be fully understood. status.
- the embodiment of the present invention provides a method for purchasing insurance through a website docking.
- the insurance promotion page detects an insurance product purchase instruction, the premium of the insurance product selected by the current user is obtained, which can be obtained through an HTTP interface;
- the information page extracts the user's health status information in the user health status information page, where the user health status information page is a plurality of pages, each page has a detailed health status question and a user's answer to the user question, thereby Obtain the user's specific health status information, and then intelligently underwrite the user according to the user's health status information; after the user passes the intelligent underwriting, the insurance data filling page in the insurance system is extracted; after receiving the insurance data filled in by the user, According to the insurance data filled out by the user and The obtained premium generates an insurance order for the user to make a payment, and the user can purchase the insurance through the insurance order, does not need to enter the insurance system to purchase, and obtains the information such as the premium through the HTTP interface or the H5 interface.
- the docking process is simple and the cost is low, which simplifies the docking process and reduces the docking cost.
- the present invention provides a method of purchasing insurance through a website docking.
- FIG. 1 is a schematic flowchart diagram of a first embodiment of a method for purchasing insurance through a website docking.
- the method includes:
- Step S10 When detecting an insurance product purchase instruction on the insurance promotion page, obtaining a premium of the insurance product selected by the current user;
- the insurance promotion is carried out on the webpage through cooperation with the channel side, and the user can obtain the detailed content of the insurance through the promoted insurance information, thereby purchasing, specifically
- the user can click the insurance for promotion in the promotion page of the channel side, thereby triggering the purchase of the insurance product instruction, and then analyzing the insurance clicked by the user, thereby obtaining the specific type of insurance currently selected by the user, and then obtaining the insurance.
- the specific type is sent to the insurance system through the interface, and the interface may be an HTTP interface, so that the insurance system can query the specific premium of the insurance.
- the interface may also acquire the security.
- the information of the insurance premium calculation rule is sent to the insurance system, and then receives the premium calculation rule sent by the insurance system, and then calculates the premium according to the premium calculation rule, and then displays the obtained or calculated premium on the display interface for the user to Know the specific premium .
- Step S20 sending information requesting to retrieve the user health status information page to the insurance system
- the information requesting to retrieve the user's health status information page needs to be sent to the insurance system, so that the insurance system verifies the identity of the channel party that sent the request, and after the verification is passed, the channel that sends the request is sent to retrieve the user's health status information.
- the permissions of the page In order to ensure the security of the user data in the insurance system, it is necessary to obtain the permission of the insurance system before the retrieval, so First, the information requesting to retrieve the user's health status information page needs to be sent to the insurance system, so that the insurance system verifies the identity of the channel party that sent the request, and after the verification is passed, the channel that sends the request is sent to retrieve the user's health status information. The permissions of the page.
- step S30 after obtaining the permission to retrieve the user health status information page, the user health status information page in the insurance system is retrieved, and the user's health status information is extracted from the user health status information page, and according to the user's health status.
- Information is intelligently underwritten by users;
- the user After obtaining the premium corresponding to the insurance selected by the user, the user needs to obtain the specific health status of the user in the insurance system. Therefore, the user health information page needs to be retrieved, wherein the user health information page can also be a third-party user.
- the health status survey question and answer page is not limited to the user health status survey question and answer page of the insurance system.
- the user health status information page is the user health status survey question and answer page of the insurance system
- the page for obtaining the user health status information is obtained. After the permission, the call can be retrieved in the insurance system.
- the specific form of the user health status survey question and answer page is that the page has specific user health question questions, such as asking the user whether there is a certain disease, the user needs to be based on the actual situation.
- the intelligent underwriting is performed according to the user's answer, that is, the user's specific answer is analyzed and summarized, thereby obtaining the user's detailed health status information; then the user can be audited according to the user's health status information to determine whether the user has the Eligibility to purchase current insurance does not require manual involvement in underwriting.
- Step S40 after the user passes the smart underwriting, the insurance data filling page in the insurance system is extracted;
- the insured data filling page in the insurance system is extracted through the interface, and the specific information can be extracted through the HTTP interface, so that the user can fill in the insurance data, for example, the insured person, Specific information such as the name, gender, age, occupation, address, telephone number of the insurer and the beneficiary.
- Step S50 after receiving the insurance data filled in by the user, generating an insurance order according to the insurance data filled in by the user and the obtained premium, so that the user can make a payment.
- the user After receiving the specific information such as the name, gender, age, occupation, address, telephone number, etc. of the insured, the insured and the beneficiary, the user generates an insurance order according to the specific data of the insurance and the obtained premium, so that the user can Make a payment.
- the insured order is generated by combining the insured specific data filled in by the user and the obtained premium, and then the purchase is made through the purchase page of the current channel, and the purchase page of the insurance system may also be extracted. Purchase the insurance system's purchase page.
- the method for purchasing insurance through the website docking in the embodiment when detecting the purchase insurance product instruction on the insurance promotion page, obtaining the premium of the insurance product selected by the current user, specifically obtaining the content through the HTTP interface; then, the request is retrieved from the user.
- the information of the health status information page is sent to the insurance system, so as to obtain the authority to retrieve the user health status information page, and after obtaining the authority to retrieve the user health status information page, the user health status information page in the insurance system is retrieved.
- the user health status information page extracts the user's health status information, where the user health status information page is a plurality of pages, each page has a detailed health status question and a user's answer to the user, thereby obtaining the user's specific health.
- the status information is then intelligently underwritten according to the user's health status information; after the user passes the intelligent underwriting, the insurance data filling page in the insurance system is extracted; after receiving the insurance data filled in by the user, the insurance is filled according to the user. Data and premiums obtained
- the insured order is generated so that the user can make a payment, and the user can purchase the insurance through the insured order, and does not need to enter the insurance system to purchase, and the information such as obtaining the premium is obtained through the HTTP interface or the H5 interface, and the docking process is simple. The cost is low, which simplifies the process of docking and reduces the cost of docking.
- the first embodiment of the method for purchasing insurance through the website based on the present invention provides a second embodiment of the method for purchasing insurance through the website.
- step S10 includes:
- the method for obtaining the premium may be: directly sending the insurance type and the information for obtaining the insurance premium to the insurance system, obtaining the insurance premium through the insurance system, or obtaining the insurance type and the insurance.
- the information of the insurance premium calculation rule is sent to the insurance system, and then receives the premium calculation rule fed back by the insurance system, and then the premium is calculated by the premium calculation rule to obtain the premium.
- the insurance system can be connected via an HTTP interface to send information to the insurance system.
- the first embodiment of the method for purchasing insurance through the website based on the present invention provides a third embodiment of the method for purchasing insurance through the website.
- step S40 includes:
- the corresponding insurance order is generated according to the insurance data filled in by the user, the obtained premium and the charging plan of the current insurance promotion page;
- the channel party can generate a corresponding insurance order according to the insurance data filled in by the user, the obtained premium and the charging plan of the current insurance promotion page.
- the user can make a payment in the generated insurance order to complete the insurance purchase, or send the insurance data filled by the received user to the insurance system, so that the insurance system generates the corresponding order, and then the generated order is fed back to the interface through the interface.
- the channel side so that the user pays according to the order generated by the insurance system. Specifically, when the user pays the order generated by the channel, the user firstly sends the fee paid by the user to the channel party, and then sends the fee to the insurance system. When a user makes an payment through an order generated by the insurance system, the fee paid by the user is directly sent to the insurance system.
- a first embodiment of a method for purchasing insurance through a website docking based on the present invention provides a fourth embodiment of the method for purchasing insurance through the website.
- step after the step S40 further includes:
- Step S60 receiving the change information of the order status of the insurance system through the data feedback feedback, and performing sales data statistics according to the specific status of the order.
- the insurance system updates the order status information of the user, and then feeds back the updated information of the user order information to the channel side by means of data return, so that the channel side can directly sell the data. Make statistics and follow up on the order.
- the first embodiment of the method for purchasing insurance through the website based on the present invention provides a fifth embodiment of the method for purchasing insurance through the website docking.
- step S10 includes:
- the page jumps, the docking jumps to the insurance system controls the insurance system to obtain the premium of the insurance product clicked by the current user, and displays the obtained premium.
- the premium can be obtained by the channel, and then displayed, specifically, the insurance type and the information of obtaining the insurance premium are directly sent to the insurance system, and the insurance premium is obtained through the insurance system. Or sending the insurance type and the information of obtaining the insurance premium calculation rule to the insurance system, and then receiving the premium calculation rule fed back by the insurance system, and calculating the premium through the premium calculation rule, and then passing the insurance through the insurance promotion page. Displaying; or displaying through the insurance system page, specifically, performing a page jump according to the purchase insurance product instruction, docking to the insurance system, and then controlling the insurance system to obtain the premium of the insurance product clicked by the current user, and The obtained premiums are displayed.
- a first embodiment of a method for purchasing insurance through a website docking based on the present invention provides a sixth embodiment of the method for purchasing insurance through the website docking.
- step after the step S10 further includes:
- Step S70 Control the insurance system to extract the health status information filled in by the user according to the purchase insurance product instruction, and perform smart underwriting according to the user's health status information.
- the user can be intelligently underwritten by the channel side, or the user can be intelligently underwritten by the insurance system.
- the control is performed.
- the insurance system extracts the health status information filled in by the user, and intelligently underwrites the user according to the health status information of the user, that is, triggers the intelligent underwriting mechanism of the insurance system through the purchase of the insurance product instruction, thereby extracting the health status filled out by the user.
- the information is intelligently underwritten by the user, that is, the user is audited according to the health status information filled in by the user, and it is judged whether the user has the qualification to purchase the current insurance, and no manual participation is required for the underwriting.
- a first embodiment of a method for purchasing insurance through a website docking based on the present invention provides a seventh embodiment of the method for purchasing insurance through a website.
- step after the step S20 further includes:
- Step S80 after the user passes the smart underwriting, the insurance system is controlled to jump to the insurance purchase page;
- Step S90 After receiving the insurance data filled in by the user, the insurance data filled in by the user and the obtained premium are sent to the insurance system, so that the insurance system generates the insurance order.
- the insurance party can fill in the insurance data through the channel of the current channel, thereby generating an order, or filling in the insurance data through the purchase page of the insurance system, wherein
- the filling of the insurance data in the current channel has been introduced in the first embodiment, and will not be described here; specifically, when the insurance data is filled in through the insurance system, first, after the user passes the smart underwriting, The user feeds back the information to the insurance system through the intelligent underwriting information, thereby controlling the insurance system to jump to the insurance purchase page; so that the user fills in the insurance data in the insurance system, and then detects whether the user inputs the insurance data, when the user is detected.
- the insurance data input by the user is sorted, and then the insurance data filled in by the user and the obtained premium are sent to the insurance system, so that the insurance system generates the insurance order, and the specific implementation process may also pass
- the insurance system detects itself whether the user inputs the vote Data, and then generates a line directly from the insurance insurance data input by the user, and the corresponding premium.
- the insurance system after the insurance system generates the order, it can detect whether the user completes the payment in real time, and after detecting that the user completes the payment, the information that the user completes the payment is fed back to the channel side through the data return, so that the channel side can perform sales statistics, further Further, the follow-up detection of each state of the order may be further performed, for example, detecting whether the user triggers the withdrawal of the order instruction, and the corresponding information is fed back to the channel side, so that the data may be returned by the data return; the payment fails; the payment is successful; Underwriting failure; underwriting success; withdrawal; deduction; surrender and other information feedback to the channel side.
- the channel side can select the state that needs data backhaul, wherein the data can be returned through the interface, and the interface of the policy inquiry, deduction, underwriting, electronic policy download, underwriting, premium trial and the like can be an HTTP interface.
- the present invention further provides an apparatus for purchasing insurance through a website docking, the apparatus comprising:
- the obtaining module is configured to obtain the premium of the insurance product selected by the current user when the insurance product promotion order is detected on the insurance promotion page;
- a sending module configured to send information requesting to retrieve a user health information page to the insurance system
- An extraction module configured to retrieve a user health status information page in the insurance system after obtaining the permission to retrieve the user health status information page, and extract the user's health status information in the user health status information page, and according to the user's Health status information is intelligently underwritten by the user;
- the insurance order module is generated. After receiving the insurance data filled in by the user, the insurance order is generated according to the insurance data filled in by the user and the obtained premium, so that the user can make the payment.
- the specific embodiment of the device for purchasing insurance through the website and the method for purchasing insurance through the website is basically the same as the above embodiments, and details are not described herein.
- the present invention further provides an apparatus for purchasing insurance through a website docking.
- FIG. 5 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present invention.
- the device for purchasing insurance through the website may include: a processor 1001, such as a CPU, a network interface 1002, a user interface 1003, and a memory 1004. Connection communication between these components can be achieved via a communication bus.
- the network interface 1002 may optionally include a standard wired interface (for connecting to a wired network), a wireless interface (such as a WI-FI interface, a Bluetooth interface, an infrared interface, etc. for connecting to a wireless network).
- the user interface 1003 can include a display, an input unit such as a keyboard, and the optional user interface 1003 can also include a standard wired interface (eg, for connecting a wired keyboard, a wired mouse, etc.) and/or a wireless interface (eg, Used to connect a wireless keyboard, wireless mouse).
- the memory 1004 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage.
- the memory 1004 can also optionally be a storage device independent of the aforementioned processor 1001.
- the device for purchasing insurance through the website docking may further include a camera, RF (Radio) Frequency, RF) circuits, sensors, audio circuits, WiFi modules, and more.
- RF Radio
- RF Radio Frequency
- the device structure for docking purchase insurance through the website does not constitute a limitation on the device for purchasing insurance through the website, and may include more or less components than the illustration, or a combination of Some parts, or different parts are arranged.
- a memory 1004 as a computer storage medium may include an operating system, a network communication module, a user interface module, and a program for purchasing insurance through a website docking.
- the operating system is a program for managing and controlling equipment hardware and software resources for purchasing insurance through a website, supporting a network communication module, a user interface module, a program for purchasing insurance through a website, and other programs or software operations;
- the management and control network interface 1002 is used to manage and control the user interface 1003.
- the network interface 1002 is mainly used for connecting to a database and performing data communication with the database;
- the user interface 1003 is mainly used for connecting a client (which can be understood as a client), and the client.
- Performing data communication such as displaying the information to the client through the window, or receiving the operation information sent by the client;
- the processor 1001 may be configured to execute the program for purchasing the insurance through the website and stored in the memory 1004, so as to implement the above-mentioned purchase through the website.
- Method of Insurance The steps of various embodiments.
- the present invention also provides a computer readable storage medium storing one or more programs, the one or more programs being executable by one or more processors to implement the above-described website.
- the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better.
- Implementation Based on such understanding, the technical solution of the present invention, which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM, disk,
- the optical disc includes a number of instructions for causing a terminal device (which may be a cell phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods of various embodiments of the present invention.
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Abstract
本发明公开了一种通过网站对接购买保险的方法、装置、设备及存储介质，所述方法包括：在保险推广页面检测到购买保险产品指令时，获取当前用户选择的保险产品的保费；将请求调取用户健康状况信息页面的信息发送至保险***；在获得调取用户健康状况信息页面的权限之后，调取用户健康状况信息页面，提取用户的健康状态信息，并根据用户的健康状况信息对用户进行智能核保；在用户通过智能核保之后，提取保险***中的投保数据填写页面；当接收到用户填写的投保数据之后，根据用户填写的投保数据及获取到的保费生成投保订单，以便用户进行支付。本发明能够简化用户购买保险产品的流程，简化与渠道方的对接流程，降低对接成本。
Description
本申请要求于2017年11月30日提交中国专利局、申请号为201711247437.5
、发明名称为“通过网站对接购买保险的方法、装置、设备及介质”的中国专利申请的优先权，其全部内容通过引用结合在申请中。
技术领域
本发明涉及网站对接领域，尤其涉及一种通过网站对接购买保险的方法、装置、设备及计算机可读存储介质。
背景技术
目前，随着社会的发展和人们安全意识的提高，人们逐渐意识到保险的重要性，越来越多的人加入了购买保险的行列。
目前，客户通过线上购买保险产品时，用户填写的健康状况信息十分简单，一般情况下，用户的健康状况只填写健康状态良好即可，无法全面了解客户真实的健康状态。
当通过渠道方进行保险产品推广时，某些渠道方没有收费方案，用户在渠道方看到推广的保险产品推广时，若此时用户需要购买，而渠道方没有收费方案，只能通过页面跳转方式跳转至对接的保险***，然后在保险***中进行购买，而在保险***中进行购买不便于渠道方统计销售数据；或者通过ESG平台与保险***进行对接，但通过ESG平台与保险***进行对接的流程复杂，且鉴权不便，并且需要额外对接支付平台或通过其它方法收费，场景多变，对接复杂。
发明内容
本发明的主要目的在于提出一种通过网站对接购买保险的方法、装置、设备及计算机可读存储介质，旨在解决通过页面跳转方式跳转至对接的保险***进行购买，不便于渠道方统计销售数据；通过ESG平台与保险***进行对接的流程复杂，且鉴权不便的技术问题。
为实现上述目的，本发明提供一种通过网站对接购买保险的方法，所述方法包括：
当在保险推广页面检测到购买保险产品指令时，获取当前用户选择的保险产品的保费；
将请求调取用户健康状况信息页面的信息发送至保险***；
在获得调取用户健康状况信息页面的权限之后，调取保险***中的用户健康状况信息页面，在所述用户健康状况信息页面中提取用户的健康状态信息，并根据用户的健康状况信息对用户进行智能核保；
在用户通过智能核保之后，提取保险***中的投保数据填写页面；
当接收到用户填写的投保数据之后，根据用户填写的投保数据及获取到的保费生成投保订单，以便用户进行支付。
可选地，所述获取当前用户选择的保险产品的保费的步骤包括：
通过接口从保险***获取当前用户点击的保险产品的保费；
或通过接口从保险***获取保费的计算规则，根据获取到的计算规则计算当前用户点击的保险产品的保费。
可选地，所述当接收到用户填写的投保数据之后，根据用户填写的投保数据及获取到的保费生成投保订单，以便用户进行支付的步骤包括：
当接收到用户填写的投保数据之后，根据用户填写的投保数据、获取到的保费结合当前保险推广页面的收费方案，生成对应的保险订单；
或者，提取保险***提供的保险订单，以便用户进行支付。
可选地，所述根据用户填写的投保数据及获取到的保费生成投保订单的步骤之后，还包括：
接收保险***通过数据回传反馈的订单状态发生变化信息，并根据订单的具体状态进行销售数据统计。
可选地，所述获取当前用户点击的保险产品的保费，并将获取到的保费进行展示的步骤包括：
通过接口获取当前用户点击的保险产品的保费，并将获取到的保费在保险推广页面进行展示；
或，根据所述购买保险产品指令进行页面跳转，对接跳转至保险***，控制所述保险***获取当前用户点击的保险产品的保费，并将获取到的保费进行展示。
可选地，所述将获取到的保费进行展示的步骤之后，还包括：
根据所述购买保险产品指令控制保险***提取用户填写的健康状态信息，并根据用户的健康状况信息对用户进行智能核保。
可选地，所述根据用户的健康状况信息对用户进行智能核保的步骤之后，还包括：
在用户通过智能核保之后，控制所述保险***跳转至保险的购买页面；
当接收到用户填写的投保数据之后，将用户填写的投保数据及获取到的保费发送至保险***，以供所述保险***生成投保订单。
此外，为实现上述目的，本发明还提供一种通过网站对接购买保险的装置，所述装置包括：
获取模块，用于当在保险推广页面检测到购买保险产品指令时，获取当前用户选择的保险产品的保费；
发送模块，用于将请求调取用户健康状况信息页面的信息发送至保险***；
提取模块，用于在获得调取用户健康状况信息页面的权限之后，调取保险***中的用户健康状况信息页面，在所述用户健康状况信息页面中提取用户的健康状态信息，并根据用户的健康状况信息对用户进行智能核保；
在用户通过智能核保之后，提取保险***中的投保数据填写页面；
生成投保订单模块，当接收到用户填写的投保数据之后，根据用户填写的投保数据及获取到的保费生成投保订单，以便用户进行支付。
此外，为实现上述目的，本发明还提供一种通过网站对接购买保险的设备，所述通过网站对接购买保险的设备包括通过网站对接购买保险的程序，所述通过网站对接购买保险的程序被所述通过网站对接购买保险的设备执行时实现如上所述的通过网站对接购买保险的方法的步骤。
此外，为实现上述目的，本发明还提供一种计算机可读存储介质，所述计算机可读存储介质上存储有通过网站对接购买保险的程序，所述通过网站对接购买保险的程序被处理器执行时实现如上所述的通过网站对接购买保险的方法的步骤。
本发明提出的通过网站对接购买保险的方法、装置、设备及计算机可读存储介质，当在保险推广页面检测到购买保险产品指令时，获取当前用户选择的保险产品的保费，具体可以通过HTTP接口进行获取；然后将请求调取用户健康状况信息页面的信息发送至保险***，以便获得调取用户健康状况信息页面的权限，在获得调取用户健康状况信息页面的权限之后，调取保险***中的用户健康状况信息页面，在所述用户健康状况信息页面中提取用户的健康状态信息，所述用户健康状况信息页面为多个页面，每个页面都有向用户提问的详细健康状态问题及用户的回答，从而获得用户具体的健康状态信息，再根据用户的健康状况信息对用户进行智能核保；在用户通过智能核保之后，提取保险***中的投保数据填写页面；当接收到用户填写的投保数据之后，根据用户填写的投保数据及获取到的保费生成投保订单，以便用户进行支付，用户即可通过所述投保订单进行购买保险，不需要进入到保险***中进行购买，并且获取保费等信息都是通过HTTP接口或H5接口进行获取，对接流程简单，成本低下，从而简化了对接的流程，降低了对接成本。
附图说明
图1为本发明通过网站对接购买保险的方法第一实施例的流程示意图；
图2为本发明通过网站对接购买保险的方法第四实施例的流程示意图；图3为本发明通过网站对接购买保险的方法第六实施例的流程示意图；
图4为本发明通过网站对接购买保险的方法第七实施例的流程示意图；
图5为本发明实施例方案涉及的硬件运行环境的设备结构示意图。
本发明目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。
本发明实施例的主要解决方案是：当在保险推广页面检测到购买保险产品指令时，获取当前用户选择的保险产品的保费，具体可以通过HTTP接口进行获取；然后将请求调取用户健康状况信息页面的信息发送至保险***，以便获得调取用户健康状况信息页面的权限，在获得调取用户健康状况信息页面的权限之后，调取保险***中的用户健康状况信息页面，在所述用户健康状况信息页面中提取用户的健康状态信息，所述用户健康状况信息页面为多个页面，每个页面都有向用户提问的详细健康状态问题及用户的回答，从而获得用户具体的健康状态信息，再根据用户的健康状况信息对用户进行智能核保；在用户通过智能核保之后，提取保险***中的投保数据填写页面；当接收到用户填写的投保数据之后，根据用户填写的投保数据及获取到的保费生成投保订单，以便用户进行支付，用户即可通过所述投保订单进行购买保险，不需要进入到保险***中进行购买，并且获取保费等信息都是通过HTTP接口或H5接口进行获取，对接流程简单，成本低下，从而简化了对接的流程，降低了对接成本。
本发明实施例考虑到，目前，客户通过线上购买保险产品时，用户填写的健康状况信息十分简单，一般情况下，用户的健康状况只填写健康状态良好即可，无法全面了解客户真实的健康状态。
当通过渠道方进行保险产品推广时，某些渠道方没有收费方案，用户在渠道方看到推广的保险产品推广时，若此时用户需要购买，而渠道方没有收费方案，只能通过页面跳转方式跳转至对接的保险***，然后在保险***中进行购买，而在保险***中进行购买不便于渠道方统计销售数据；或者通过ESG平台与保险***进行对接，但通过ESG平台与保险***进行对接的流程复杂，且鉴权不便，并且需要额外对接支付平台或通过其它方法收费，场景多变，对接复杂。
为此，本发明实施例提出一种通过网站对接购买保险的方法，当在保险推广页面检测到购买保险产品指令时，获取当前用户选择的保险产品的保费，具体可以通过HTTP接口进行获取；然后将请求调取用户健康状况信息页面的信息发送至保险***，以便获得调取用户健康状况信息页面的权限，在获得调取用户健康状况信息页面的权限之后，调取保险***中的用户健康状况信息页面，在所述用户健康状况信息页面中提取用户的健康状态信息，所述用户健康状况信息页面为多个页面，每个页面都有向用户提问的详细健康状态问题及用户的回答，从而获得用户具体的健康状态信息，再根据用户的健康状况信息对用户进行智能核保；在用户通过智能核保之后，提取保险***中的投保数据填写页面；当接收到用户填写的投保数据之后，根据用户填写的投保数据及获取到的保费生成投保订单，以便用户进行支付，用户即可通过所述投保订单进行购买保险，不需要进入到保险***中进行购买，并且获取保费等信息都是通过HTTP接口或H5接口进行获取，对接流程简单，成本低下，从而简化了对接的流程，降低了对接成本。
本发明提供一种通过网站对接购买保险的方法。
参照图1，图1为本发明通过网站对接购买保险的方法第一实施例的流程示意图。
在本实施例中，该方法包括：
步骤S10，当在保险推广页面检测到购买保险产品指令时，获取当前用户选择的保险产品的保费；
在本实施例中，为了提高保险的推广度和宣传度，会通过与渠道方进行合作，在网页中进行保险推广，用户可以通过推广的保险信息获取保险的详细内容，从而进行购买，具体地，用户可以通过在渠道方的推广页面中点击进行推广的保险，从而触发购买保险产品指令，然后对用户点击的保险进行分析，从而获取用户当前选择的保险的具体类型，然后将获取到的保险的具体类型通过接口发送至保险***，所述接口具体可以为HTTP接口，以便保险***查询所述保险的具体保费，具体实施过程中，在获得保险的具体类型之后，也可以通过接口将获取所述保险保费的计算规则的信息发送至保险***，然后接收保险***发送的保费计算规则，然后根据所述保费计算规则计算保费，然后将获取到或者计算得到的保费在显示界面进行显示，以便用户获知具体的保费。
步骤S20，将请求调取用户健康状况信息页面的信息发送至保险***；
在获得用户选择的保险对应的保费之后，需要进一步获取保险***中的用户的具体健康状况，为了保证保险***中的用户数据安全，在进行调取之前，需要获得保险***的调取权限，因此，首先需要将请求调取用户健康状况信息页面的信息发送至保险***，以便保险***对发送请求的渠道方的身份进行核验，并在核验通过之后授予发送请求的渠道方调取用户健康状况信息页面的权限。
步骤S30，在获得调取用户健康状况信息页面的权限之后，调取保险***中的用户健康状况信息页面，在所述用户健康状况信息页面中提取用户的健康状态信息，并根据用户的健康状况信息对用户进行智能核保；
在获得用户选择的保险对应的保费之后，需要进一步获取保险***中的用户的具体健康状况，因此需要调取用户健康状况信息页面，其中，所述用户健康状况信息页面还可以为第三方的用户健康状态调查问答页面，并不局限为保险***的用户健康状态调查问答页面，当所述用户健康状况信息页面为保险***的用户健康状态调查问答页面时，在获得调取用户健康状况信息页面的权限之后，即可中保险***中进行调取，所述用户健康状态调查问答页面具体的形式为，页面中有具体的用户健康提问问题，比如提问用户是否患有某种疾病，用户需要根据实际情况选择回答是或否，然后在用户进行回答之后，根据用户的回答，继续提取下一个用户健康状态调查问答页面，继续对用户的健康状态进行提问，直到用户回答完所有相关问题，在用户回答完所有相关问题之后，根据用户的回答进行智能核保，即对用户的具体回答进行分析汇总，从而获得用户较详细的健康状况信息；然后即可根据用户的健康状况信息对用户进行审核，判断用户是否具备购买当前保险的资格，不需要人工参与进行核保。
步骤S40，在用户通过智能核保之后，提取保险***中的投保数据填写页面；
若用户通过智能核保，即用户具备购买当前保险的资格，则通过接口提取保险***中的投保数据填写页面，具体可以通过HTTP接口进行提取，以便用户进行填写投保数据，比如，投保人、被保险人和受益人的姓名、性别、年龄、职业、地址、电话等具体信息。
步骤S50，当接收到用户填写的投保数据之后，根据用户填写的投保数据及获取到的保费生成投保订单，以便用户进行支付。
当接收到用户填写完投保人、被保险人和受益人的姓名、性别、年龄、职业、地址、电话等具体信息之后，根据用户填写的投保具体数据及获取到的保费生成投保订单，以便用户进行支付。具体可以根据渠道方的收费方案，结合所述用户填写的投保具体数据及获取到的保费生成投保订单，然后通过当前渠道方的购买页面进行购买，也可以提取保险***的购买页面，通过所述保险***的购买页面进行购买。
本实施例提出的通过网站对接购买保险的方法，当在保险推广页面检测到购买保险产品指令时，获取当前用户选择的保险产品的保费，具体可以通过HTTP接口进行获取；然后将请求调取用户健康状况信息页面的信息发送至保险***，以便获得调取用户健康状况信息页面的权限，在获得调取用户健康状况信息页面的权限之后，调取保险***中的用户健康状况信息页面，在所述用户健康状况信息页面中提取用户的健康状态信息，所述用户健康状况信息页面为多个页面，每个页面都有向用户提问的详细健康状态问题及用户的回答，从而获得用户具体的健康状态信息，再根据用户的健康状况信息对用户进行智能核保；在用户通过智能核保之后，提取保险***中的投保数据填写页面；当接收到用户填写的投保数据之后，根据用户填写的投保数据及获取到的保费生成投保订单，以便用户进行支付，用户即可通过所述投保订单进行购买保险，不需要进入到保险***中进行购买，并且获取保费等信息都是通过HTTP接口或H5接口进行获取，对接流程简单，成本低下，从而简化了对接的流程，降低了对接成本。
进一步地，基于本发明通过网站对接购买保险的方法第一实施例提出本发明通过网站对接购买保险的方法第二实施例。
在本实施例中，所述步骤S10包括：
通过接口从保险***获取当前用户点击的保险产品的保费；
或通过接口从保险***获取保费的计算规则，根据获取到的计算规则计算当前用户点击的保险产品的保费。
在本实施例中，获取保费的方法可以为，直接将保险类型及获取所述保险的保费的信息，发送至保险***，通过保险***获得所述保险的保费，或者将所述保险类型以及获取所述保险的保费计算规则的信息发送至保险***，然后接收保险***反馈的保费计算规则，再通过所述保费计算规则计算保费，即可获得保费。具体地，可以通过HTTP接口与保险***进行连接，从而将信息发送至保险***。
进一步地，基于本发明通过网站对接购买保险的方法第一实施例提出本发明通过网站对接购买保险的方法第三实施例。
在本实施例中，所述步骤S40包括：
当接收到用户填写的投保数据之后，根据用户填写的投保数据、获取到的保费结合当前保险推广页面的收费方案，生成对应的保险订单；
或者，提取保险***提供的保险订单，以便用户进行支付。
在本实施例中，保险订单具体可以在接收到用户填写的投保数据之后，渠道方根据用户填写的投保数据、获取到的保费结合当前保险推广页面的收费方案，即可生成对应的保险订单，用户即可在生成的保险订单中进行支付，从而完成保险购买，或者通过将接收到的用户填写的投保数据发送至保险***，以便保险***生成对应的订单，然后通过接口将生成的订单反馈至渠道方，以便用户根据保险***生成的订单进行支付，具体地，在用户通过渠道方生成的订单进行支付时，首先是将用户支付的费用发送至渠道方，然后再将费用发送至保险***，当用户通过保险***生成的订单进行支付时，用户支付的费用直接发送至保险***。
进一步地，参照图2，基于本发明通过网站对接购买保险的方法第一实施例提出本发明通过网站对接购买保险的方法第四实施例。
在本实施例中，所述步骤S40之后的步骤，还包括：
步骤S60，接收保险***通过数据回传反馈的订单状态发生变化信息，并根据订单的具体状态进行销售数据统计。
在本实施例中，当用户完成支付之后，保险***会对用户的订单状态信息进行更新，然后将用户订单信息发送更新的信息通过数据回传的方式反馈给渠道方，以便渠道方对销售数据进行统计，并且对订单进行跟进。
进一步地，基于本发明通过网站对接购买保险的方法第一实施例提出本发明通过网站对接购买保险的方法第五实施例。
在本实施例中，所述步骤S10包括：
通过接口获取当前用户点击的保险产品的保费，并将获取到的保费在保险推广页面进行展示；
或，根据所述购买保险产品指令进行页面跳转，对接跳转至保险***，控制所述保险***获取当前用户点击的保险产品的保费，并将获取到的保费进行展示。
在本实施例中，可以通过在渠道方获取保费，然后进行展示，具体地，直接将保险类型及获取所述保险的保费的信息，发送至保险***，通过保险***获得所述保险的保费，或者将所述保险类型以及获取所述保险的保费计算规则的信息发送至保险***，然后接收保险***反馈的保费计算规则，再通过所述保费计算规则计算保费，然后将保险通过保险推广页面进行展示；或者通过保险***页面进行展示，具体地，根据所述购买保险产品指令进行页面跳转，对接跳转至保险***，然后控制所述保险***获取当前用户点击的保险产品的保费，并将获取到的保费进行展示。
进一步地，参照图3，基于本发明通过网站对接购买保险的方法第一实施例提出本发明通过网站对接购买保险的方法第六实施例。
在本实施例中，所述步骤S10之后的步骤，还包括：
步骤S70，根据所述购买保险产品指令控制保险***提取用户填写的健康状态信息，并根据用户的健康状况信息对用户进行智能核保。
在本实施例中，可以通过渠道方对用户进行智能核保，也可以通过保险***对用户进行智能核保，具体地，在接收到购买保险产品指令之后，根据所述购买保险产品指令，控制保险***提取用户填写的健康状态信息，并根据用户的健康状况信息对用户进行智能核保，即通过所述购买保险产品指令，触发保险***的智能核保机制，从而进行提取用户填写的健康状态信息，对用户进行智能核保，即根据用户填写的健康状态信息，对用户进行审核，判断用户是否具备购买当前保险的资格，不需要人工参与进行核保。
进一步地，参照图4，基于本发明通过网站对接购买保险的方法第一实施例提出本发明通过网站对接购买保险的方法第七实施例。
在本实施例中，所述步骤S20之后的步骤，还包括：
步骤S80，在用户通过智能核保之后，控制所述保险***跳转至保险的购买页面；
步骤S90，当接收到用户填写的投保数据之后，将用户填写的投保数据及获取到的保费发送至保险***，以供所述保险***生成投保订单。
在本实施例中，在用户通过智能核保之后，可以通过渠道方，可以通过当前渠道方的页面进行填写投保数据，从而生成订单，也可以通过保险***的购买页面，进行投保数据填写，其中，通过在当前渠道方进行投保数据填写在第一实施例中已经进行介绍，在此不再赘述；具体地，在通过保险***进行填写投保数据时，首先，在用户通过智能核保之后，将用户通过智能核保的信息反馈至保险***，从而控制所述保险***跳转至保险的购买页面；以便用户在保险***中填写投保数据，然后对用户是否输入投保数据进行检测，当检测到用户输入投保数据时，将用户输入的投保数据进行整理，然后再将用户填写的投保数据及获取到的保费发送至保险***，以供所述保险***生成投保订单，具体实施过程中，也可以通过保险***自行进行检测用户是否输入投保数据，然后直接根据用户输入的投保数据，及对应保费生成投保订单。进一步地，在保险***生成订单之后，可以实时检测用户是否完成支付，当检测到用户完成支付之后，将用户完成支付的信息通过数据回传反馈至渠道方，以便渠道方进行销售统计，进一步地，可以进一步对订单的各个状态进行跟进检测，比如检测用户是否触发撤回订单指令等，并将对应的信息反馈至渠道方，因此还可以通过数据回传将待支付；支付失败；支付成功；承保失败；承保成功；撤件；契撤；退保等信息反馈至渠道方。同时渠道方可选择需要数据回传的状态，其中具体可以通过接口进行数据回传，保单查询、契撤、承保、电子保单下载、核保、保费试算等的接口具体可以为HTTP接口。
本发明进一步提供一种通过网站对接购买保险的装置，所述装置包括：
获取模块，用于当在保险推广页面检测到购买保险产品指令时，获取当前用户选择的保险产品的保费；
发送模块，用于将请求调取用户健康状况信息页面的信息发送至保险***；
提取模块，用于在获得调取用户健康状况信息页面的权限之后，调取保险***中的用户健康状况信息页面，在所述用户健康状况信息页面中提取用户的健康状态信息，并根据用户的健康状况信息对用户进行智能核保；
在用户通过智能核保之后，提取保险***中的投保数据填写页面；
生成投保订单模块，当接收到用户填写的投保数据之后，根据用户填写的投保数据及获取到的保费生成投保订单，以便用户进行支付。
本发明通过网站对接购买保险的装置的具体实施例与上述通过网站对接购买保险的方法各实施例基本相同，在此不作赘述。
本发明进一步提供一种通过网站对接购买保险的设备。
参照图5，图5为本发明实施例方案涉及的硬件运行环境的设备结构示意图。
如图5所示，该通过网站对接购买保险的设备可以包括：处理器1001，例如CPU，网络接口1002，用户接口1003，存储器1004。这些组件之间的连接通信可以通过通信总线实现。网络接口1002可选的可以包括标准的有线接口（用于连接有线网络）、无线接口（如WI-FI接口、蓝牙接口、红外线接口等，用于连接无线网络）。用户接口1003可以包括显示屏（Display）、输入单元比如键盘（Keyboard），可选用户接口1003还可以包括标准的有线接口（例如用于连接有线键盘、有线鼠标等）和/或无线接口（例如用于连接无线键盘、无线鼠标）。存储器1004可以是高速RAM存储器，也可以是稳定的存储器（non-volatile
memory），例如磁盘存储器。存储器1004可选的还可以是独立于前述处理器1001的存储装置。
可选地，该通过网站对接购买保险的设备还可以包括摄像头、RF（Radio
Frequency，射频）电路，传感器、音频电路、WiFi模块等等。
本领域技术人员可以理解，图中示出的通过网站对接购买保险的设备结构并不构成对通过网站对接购买保险的设备的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。
如图5所示，作为一种计算机存储介质的存储器1004中可以包括操作***、网络通信模块、用户接口模块以及通过网站对接购买保险的程序。其中，操作***是管理和控制通过网站对接购买保险的设备硬件与软件资源的程序，支持网络通信模块、用户接口模块、通过网站对接购买保险的程序以及其他程序或软件的运行；网络通信模块用于管理和控制网络接口1002；用户接口模块用于管理和控制用户接口1003。
在图5所示的通过网站对接购买保险的设备中，网络接口1002主要用于连接数据库，与数据库进行数据通信；用户接口1003主要用于连接客户端（可以理解为用户端），与客户端进行数据通信，如通过窗口展示信息给客户端，或者接收客户端发送的操作信息；而处理器1001可以用于执行存储器1004中存储的通过网站对接购买保险的程序，以实现上述通过网站对接购买保险的方法各实施例的步骤。
本发明还提供了一种计算机可读存储介质，所述计算机可读存储介质存储有一个或者多个程序，所述一个或者多个程序可被一个或者多个处理器执行，以实现上述通过网站对接购买保险的方法各实施例的步骤。
还需要说明的是，在本文中，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者装置不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者装置所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、物品或者装置中还存在另外的相同要素。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本发明的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质（如ROM/RAM、磁碟、光盘）中，包括若干指令用以使得一台终端设备（可以是手机，计算机，服务器，空调器，或者网络设备等）执行本发明各个实施例的方法。
以上仅为本发明的优选实施例，并非因此限制本发明的专利范围，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本发明的专利保护范围内。
Claims (20)
- 一种通过网站对接购买保险的方法，其特征在于，所述方法包括以下步骤：当在保险推广页面检测到购买保险产品指令时，获取当前用户选择的保险产品的保费；将请求调取用户健康状况信息页面的信息发送至保险***；在获得调取用户健康状况信息页面的权限之后，调取保险***中的用户健康状况信息页面，在所述用户健康状况信息页面中提取用户的健康状态信息，并根据用户的健康状况信息对用户进行智能核保；在用户通过智能核保之后，提取保险***中的投保数据填写页面；当接收到用户填写的投保数据之后，根据用户填写的投保数据及获取到的保费生成投保订单，以便用户进行支付。
- 如权利要求1所述的通过网站对接购买保险的方法，其特征在于，所述获取当前用户选择的保险产品的保费的步骤包括：通过接口从保险***获取当前用户点击的保险产品的保费；或通过接口从保险***获取保费的计算规则，根据获取到的计算规则计算当前用户点击的保险产品的保费。
- 如权利要求1所述的通过网站对接购买保险的方法，其特征在于，所述当接收到用户填写的投保数据之后，根据用户填写的投保数据及获取到的保费生成投保订单，以便用户进行支付的步骤包括：当接收到用户填写的投保数据之后，根据用户填写的投保数据、获取到的保费结合当前保险推广页面的收费方案，生成对应的保险订单； 或者，提取保险***提供的保险订单，以便用户进行支付。
- 如权利要求1所述的通过网站对接购买保险的方法，其特征在于，所述根据用户填写的投保数据及获取到的保费生成投保订单的步骤之后，还包括：接收保险***通过数据回传反馈的订单状态发生变化信息，并根据订单的具体状态进行销售数据统计。
- 如权利要求1所述的通过网站对接购买保险的方法，其特征在于，所述获取当前用户点击的保险产品的保费，并将获取到的保费进行展示的步骤包括：通过接口获取当前用户点击的保险产品的保费，并将获取到的保费在保险推广页面进行展示；或，根据所述购买保险产品指令进行页面跳转，对接跳转至保险***，控制所述保险***获取当前用户点击的保险产品的保费，并将获取到的保费进行展示。
- 如权利要求1所述的通过网站对接购买保险的方法，其特征在于，所述将获取到的保费进行展示的步骤之后，还包括：根据所述购买保险产品指令控制保险***提取用户填写的健康状态信息，并根据用户的健康状况信息对用户进行智能核保。
- 如权利要求1所述的通过网站对接购买保险的方法，其特征在于，所述根据用户的健康状况信息对用户进行智能核保的步骤之后，还包括：在用户通过智能核保之后，控制所述保险***跳转至保险的购买页面；当接收到用户填写的投保数据之后，将用户填写的投保数据及获取到的保费发送至保险***，以供所述保险***生成投保订单。
- 一种通过网站对接购买保险的装置，其特征在于，所述装置包括：获取模块，用于当在保险推广页面检测到购买保险产品指令时，获取当前用户选择的保险产品的保费；发送模块，用于将请求调取用户健康状况信息页面的信息发送至保险***；提取模块，用于在获得调取用户健康状况信息页面的权限之后，调取保险***中的用户健康状况信息页面，在所述用户健康状况信息页面中提取用户的健康状态信息，并根据用户的健康状况信息对用户进行智能核保；在用户通过智能核保之后，提取保险***中的投保数据填写页面；生成投保订单模块，当接收到用户填写的投保数据之后，根据用户填写的投保数据及获取到的保费生成投保订单，以便用户进行支付。
- 一种通过网站对接购买保险的设备，其特征在于，所述通过网站对接购买保险的设备包括通过网站对接购买保险的程序，所述通过网站对接购买保险的程序被所述通过网站对接购买保险的设备执行时实现下步骤：当在保险推广页面检测到购买保险产品指令时，获取当前用户选择的保险产品的保费；将请求调取用户健康状况信息页面的信息发送至保险***；在获得调取用户健康状况信息页面的权限之后，调取保险***中的用户健康状况信息页面，在所述用户健康状况信息页面中提取用户的健康状态信息，并根据用户的健康状况信息对用户进行智能核保；在用户通过智能核保之后，提取保险***中的投保数据填写页面；当接收到用户填写的投保数据之后，根据用户填写的投保数据及获取到的保费生成投保订单，以便用户进行支付。
- 如权利要求9所述的通过网站对接购买保险的设备，其特征在于，所述通过网站对接购买保险的程序被所述通过网站对接购买保险的设备执行时，还实现如下步骤：通过接口从保险***获取当前用户点击的保险产品的保费；或通过接口从保险***获取保费的计算规则，根据获取到的计算规则计算当前用户点击的保险产品的保费。
- 如权利要求9所述的通过网站对接购买保险的设备，其特征在于，所述通过网站对接购买保险的程序被所述通过网站对接购买保险的设备执行时，还实现如下步骤：当接收到用户填写的投保数据之后，根据用户填写的投保数据、获取到的保费结合当前保险推广页面的收费方案，生成对应的保险订单；或者，提取保险***提供的保险订单，以便用户进行支付。
- 如权利要求9所述的通过网站对接购买保险的设备，其特征在于，所述通过网站对接购买保险的程序被所述通过网站对接购买保险的设备执行时，还实现如下步骤：接收保险***通过数据回传反馈的订单状态发生变化信息，并根据订单的具体状态进行销售数据统计。
- 如权利要求9所述的通过网站对接购买保险的设备，其特征在于，所述通过网站对接购买保险的程序被所述通过网站对接购买保险的设备执行时，还实现如下步骤：通过接口获取当前用户点击的保险产品的保费，并将获取到的保费在保险推广页面进行展示；或，根据所述购买保险产品指令进行页面跳转，对接跳转至保险***，控制所述保险***获取当前用户点击的保险产品的保费，并将获取到的保费进行展示。
- 如权利要求9所述的通过网站对接购买保险的设备，其特征在于，所述通过网站对接购买保险的程序被所述通过网站对接购买保险的设备执行时，还实现如下步骤：根据所述购买保险产品指令控制保险***提取用户填写的健康状态信息，并根据用户的健康状况信息对用户进行智能核保。
- 如权利要求9所述的通过网站对接购买保险的设备，其特征在于，所述通过网站对接购买保险的程序被所述通过网站对接购买保险的设备执行时，还实现如下步骤：在用户通过智能核保之后，控制所述保险***跳转至保险的购买页面；当接收到用户填写的投保数据之后，将用户填写的投保数据及获取到的保费发送至保险***，以供所述保险***生成投保订单。
- 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有通过网站对接购买保险的程序，所述通过网站对接购买保险的程序被处理器执行时，以实现下步骤：当在保险推广页面检测到购买保险产品指令时，获取当前用户选择的保险产品的保费；将请求调取用户健康状况信息页面的信息发送至保险***；在获得调取用户健康状况信息页面的权限之后，调取保险***中的用户健康状况信息页面，在所述用户健康状况信息页面中提取用户的健康状态信息，并根据用户的健康状况信息对用户进行智能核保；在用户通过智能核保之后，提取保险***中的投保数据填写页面；当接收到用户填写的投保数据之后，根据用户填写的投保数据及获取到的保费生成投保订单，以便用户进行支付。
- 如权利要求16所述的计算机可读存储介质，其特征在于，所述通过网站对接购买保险的程序被处理器执行时，还实现以下步骤：通过接口从保险***获取当前用户点击的保险产品的保费；或通过接口从保险***获取保费的计算规则，根据获取到的计算规则计算当前用户点击的保险产品的保费。
- 如权利要求16所述的计算机可读存储介质，其特征在于，所述通过网站对接购买保险的程序被处理器执行时，还实现以下步骤：当接收到用户填写的投保数据之后，根据用户填写的投保数据、获取到的保费结合当前保险推广页面的收费方案，生成对应的保险订单；或者，提取保险***提供的保险订单，以便用户进行支付。
- 如权利要求16所述的计算机可读存储介质，其特征在于，所述通过网站对接购买保险的程序被处理器执行时，还实现以下步骤：接收保险***通过数据回传反馈的订单状态发生变化信息，并根据订单的具体状态进行销售数据统计。
- 如权利要求16所述的计算机可读存储介质，其特征在于，所述通过网站对接购买保险的程序被处理器执行时，还实现以下步骤：通过接口获取当前用户点击的保险产品的保费，并将获取到的保费在保险推广页面进行展示；或，根据所述购买保险产品指令进行页面跳转，对接跳转至保险***，控制所述保险***获取当前用户点击的保险产品的保费，并将获取到的保费进行展示。
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| CN109711997A (zh) * | 2018-08-20 | 2019-05-03 | 平安普惠企业管理有限公司 | 保险业务推送方法、装置、设备及可读存储介质 |
| CN109254814A (zh) * | 2018-08-20 | 2019-01-22 | 中国平安人寿保险股份有限公司 | 基于神经网络的投保信息配置方法、装置、计算机设备及存储介质 |
| CN109461045A (zh) * | 2018-09-26 | 2019-03-12 | 中国平安人寿保险股份有限公司 | 订单支付方法、***、计算机设备和存储介质 |
| CN109460964A (zh) * | 2018-09-29 | 2019-03-12 | 中国平安财产保险股份有限公司 | 基于数据更新生成车险报价单的方法、装置和计算机设备 |
| CN109472707A (zh) * | 2018-10-16 | 2019-03-15 | 平安健康保险股份有限公司 | 医疗智能核保方法、装置、计算机设备及存储介质 |
| CN109598626A (zh) * | 2018-10-24 | 2019-04-09 | 平安科技（深圳）有限公司 | 保险续保方法及装置 |
| CN109214939A (zh) * | 2018-10-25 | 2019-01-15 | 平安科技（深圳）有限公司 | 一种在线投保方法、装置、终端及服务器 |
| CN112598403B (zh) * | 2018-11-28 | 2024-05-31 | 创新先进技术有限公司 | 一种项目处理方法及装置、一种计算设备及存储介质 |
| CN110223183A (zh) * | 2019-05-20 | 2019-09-10 | 保多多保险经纪有限公司 | 智能保险装置、方法及*** |
| CN110543607A (zh) * | 2019-08-05 | 2019-12-06 | 平安科技（深圳）有限公司 | 页面数据生成方法、装置、计算机设备及存储介质 |
| CN110798473A (zh) * | 2019-11-04 | 2020-02-14 | 泰康保险集团股份有限公司 | 获取健康告知方法、装置、介质及电子设备 |
| CN111429248A (zh) * | 2020-02-24 | 2020-07-17 | 泰康保险集团股份有限公司 | 一种非实时保险业务的出单方法及装置 |
| CN111915445B (zh) * | 2020-07-10 | 2023-12-12 | 中国人民财产保险股份有限公司深圳市分公司 | 一种非车险保险的在线平台配置***及配置方法 |
| CN113077350A (zh) * | 2021-02-24 | 2021-07-06 | 北京健康之家科技有限公司 | 产品试算方法及装置、服务器、存储介质 |
| CN113689304A (zh) * | 2021-09-14 | 2021-11-23 | 广州天天有活信息科技有限公司 | 一种***自动为师傅购买保险的方法 |
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| US20130179178A1 (en) * | 2012-01-06 | 2013-07-11 | Active Health Management | System and method for patient care plan management |
| CN105809549A (zh) * | 2016-02-23 | 2016-07-27 | 平安科技（深圳）有限公司 | 医务智能核保方法和*** |
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