CN106997560A - The method and apparatus that processing credit card is insured - Google Patents

The method and apparatus that processing credit card is insured Download PDF

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Publication number
CN106997560A
CN106997560A CN201610047847.4A CN201610047847A CN106997560A CN 106997560 A CN106997560 A CN 106997560A CN 201610047847 A CN201610047847 A CN 201610047847A CN 106997560 A CN106997560 A CN 106997560A
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CN
China
Prior art keywords
credit card
banking system
request
sent
insuring
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
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CN201610047847.4A
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Chinese (zh)
Inventor
吴林方
丁志明
熊建坤
黄英杰
陈飞玲
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Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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Priority to CN201610047847.4A priority Critical patent/CN106997560A/en
Publication of CN106997560A publication Critical patent/CN106997560A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06Asset management; Financial planning or analysis

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Economics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Human Resources & Organizations (AREA)
  • Operations Research (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention proposes a kind of method for handling information of insuring, and this method includes:The request of insuring that receiving terminal is sent;Insured described in response and ask and receive credit card information, the credit card information is sent into corresponding banking system is verified;The result that banking system is returned is received, if being verified, corresponding Credit cards Electronic declaration form is generated according to the credit card information;The subscriber's account that banking system is periodically sent is received, corresponding premium is calculated according to the subscriber's account, the premium obtained according to calculating sends request of withholing to banking system, the feedback of withholing that banking system is returned is received.So, whole process is automatically performed by insurance system and banking system docking, not only allows users to insure in real time, and convenient and swift, while saving substantial amounts of manpower and materials.In addition, it is also proposed that a kind of device for handling information of insuring.

Description

The method and apparatus that processing credit card is insured
Technical field
It is more particularly to a kind of to handle method and the dress that credit card is insured the present invention relates to computer disposal field Put.
Background technology
With the development of insurance business, increasing people has the consciousness prevented trouble before it happens.In recent years, make The consumption idea for being increasingly becoming fashion is anticipated with credit card.But, due to credit clamping The very big uncertainty of someone, such as be unemployed, bankruptcy etc., causes holder to refund in time.Such one Aspect bank will undertake the loss that bad credit is brought, and on the other hand also bring credit stain to cardholder. Stain is brought to the credit of oneself in order to avoid fortuitous event, increasing people has intention the letter for oneself Insured with card.But traditional process CIMS of insuring is complicated, if user wants the credit card throwing for oneself Protect, having filled in insurance company after personal information needs business personnel to be confirmed with credit card bank of deposit before carrying out The investigation work of phase, such as, judge whether qualified application of the holder etc., if it is qualified, then would sign phase The agreement of insuring closed.Whole process is not only cumbersome, and needs to put into substantial amounts of manpower, and the cycle is long, takes And effort.
The content of the invention
Based on this, for cumbersome, the problem of the taking time and effort, it is proposed that one that solve above-mentioned credit card process of insuring Plant the method and apparatus that the processing credit card of the easy real-time query that can insure in real time is insured.
A kind of to handle the method that credit card is insured, methods described includes:
The request of insuring that receiving terminal is sent;
Insured described in response and ask and receive credit card information, the credit card information is sent to corresponding silver Row system is verified;
The result that banking system is returned is received, if being verified, is generated according to the credit card information Corresponding Credit cards Electronic declaration form;
The subscriber's account that banking system is periodically sent is received, corresponding premium is calculated according to the subscriber's account, The premium obtained according to calculating sends request of withholing to banking system, receives the feedback of withholing that banking system is returned.
In one of the embodiments, also include after the step of the asking of insuring that the receiving terminal is sent: The user profile in request of insuring is extracted, corresponding user credit value is obtained according to the user profile;Judge Whether the user credit value meets default requirement of insuring, if so, then being asked simultaneously into being insured described in response The step of receiving credit card information.
In one of the embodiments, methods described also includes:When the credit card insured can not refund on time, The Claims Resolution request that banking system is initiated is received, is compensated accordingly according to the Claims Resolution request.
In one of the embodiments, also include before the step of the asking of insuring that the receiving terminal is sent: Set up and be connected with banking system.
In one of the embodiments, methods described also includes:The credit card declaration form inquiry that receiving terminal is sent Request, corresponding policy information is shown according to the credit card declaration form inquiry request.
A kind of to handle the device that credit card is insured, described device includes:Receiving module, for receiving terminal hair The request of insuring sent;Sending module, credit card information is asked and receives for responding described insure, will be described Credit card information is sent to corresponding banking system and verified;Generation module, is returned for receiving banking system The result returned, if being verified, generates corresponding Credit cards Electronic according to the credit card information and protects It is single;Computing module, for receiving the subscriber's account that banking system is periodically sent, according to the subscriber's account meter Corresponding premium is calculated, the premium obtained according to calculating sends request of withholing to banking system, receive banking system The feedback of withholing returned.
In one of the embodiments, described device also includes:Acquisition module, for extracting in request of insuring User profile, corresponding user credit value is obtained according to the user profile;Judge module, for judging Whether the user credit value meets default requirement of insuring, if so, then notifying sending module response is described to throw Protect and ask and receive credit card information.
In one of the embodiments, described device also includes:Claims Resolution module, for when the credit card insured When can not refund on time, the Claims Resolution request that banking system is initiated is received, is carried out according to the Claims Resolution request corresponding Compensation.
In one of the embodiments, described device also includes:Module is set up, is connected for being set up with banking system Connect.
In one of the embodiments, described device also includes:Enquiry module, the letter sent for receiving terminal With card declaration form inquiry request, corresponding policy information is shown according to the credit card declaration form inquiry request.
The method and apparatus that above-mentioned processing credit card is insured, the request of insuring sent by receiving terminal;Response Described insure is asked and receives credit card information, and the credit card information is sent into corresponding banking system enters Row checking;The result that banking system is returned is received, if being verified, according to the credit card information Generate corresponding Credit cards Electronic declaration form;The subscriber's account that banking system is periodically sent is received, is used according to described Family bill calculates corresponding premium, and the premium obtained according to calculating sends request of withholing, reception to banking system The feedback of withholing that banking system is returned.So, whole process is docked automatic by insurance system and banking system Complete, not only allow users to insure in real time, and it is convenient and swift, while saving substantial amounts of manpower and materials.
Brief description of the drawings
Fig. 1 is the method applied environment figure insured of processing credit card in one embodiment;
Fig. 2 is the method flow diagram insured of processing credit card in one embodiment;
Fig. 3 is the method flow diagram insured of processing credit card in another embodiment;
Fig. 4 is the apparatus structure block diagram insured of processing credit card in one embodiment;
Fig. 5 is the apparatus structure block diagram insured of processing credit card in another embodiment;
Fig. 6 is the apparatus structure block diagram insured of processing credit card in further embodiment;
Fig. 7 is the apparatus structure block diagram insured of processing credit card in another embodiment.
Embodiment
In order to make the purpose , technical scheme and advantage of the present invention be clearer, below in conjunction with accompanying drawing and reality Example is applied, the present invention will be described in further detail.It should be appreciated that specific embodiment described herein is only Only to explain the present invention, it is not intended to limit the present invention.
As shown in figure 1, in one embodiment, the method that processing credit card is insured can be used for as shown in Figure 1 In application scenarios, in this context, terminal 102 is set up with insurance server 104 by network and communicated, and insures Server 104 is set up with bank server 106 by network and communicated.Here terminal can be smart mobile phone, The electronic equipment that tablet personal computer, notebook computer, desktop computer etc. can be communicated, insurance here Server 104 and bank server 106 can be independent server or multiple server groups into Server cluster.Thrown specifically, user is sent by insurance system of the terminal 102 into insurance server 104 Protecting insuring for the transmission of the insurance system receiving terminal 102 in request and credit card information, insurance server 104 please Credit card information, is then sent in the banking system in bank server 106 and carries out by summation credit card information Checking, after banking system is verified to the credit card information, insurance server 104 is returned to by the result, If being verified, insurance server 104 generates corresponding electronic insurance policy according to credit card information.In addition, insurance Server 104 receives the subscriber's account that bank server 106 is periodically sent, and calculates corresponding premium, makes silver The button of row server 106 draws corresponding premium to insurance company's account.
As shown in Fig. 2 in one embodiment it is proposed that a kind of handle the method that credit card is insured, the party Method includes:
Step 202, the request of insuring that receiving terminal is sent.
Insured request specifically, user sends credit card by terminal, the letter of insurance system receiving terminal transmission Insure request.Wherein, terminal can be that smart mobile phone, tablet personal computer, desktop computer etc. can be led to The electronic equipment of letter.
Step 204, response, which is insured, is asked and receives credit card information, and credit card information is sent into corresponding silver Row system is verified.
In the present embodiment, credit card information includes:The card number of credit card, holder name, hold the person Part card information, credit card bank of deposit etc..After the request of insuring that receiving terminal is sent, the request of insuring is responded. Specifically, the interface of credit card information is received according to the request displaying of insuring, by receiving credit card information Interface receives the credit card information of user's input, and bank of deposit in credit card information be sent to it is corresponding Banking system carries out the checking of credit card information, verifies whether the credit card information filled in is wrong, such as, holds Whether the card number of someone's name and credit card is corresponding etc., and verifies whether the credit card is in normal state, Whether can normally use.If the credit card is in arrears, authentication failed does not allow to insure.
Step 205, the result that banking system is returned is received, if being verified, into step 207, If authentication failed, terminate.
Step 206, corresponding Credit cards Electronic declaration form is generated according to credit card information.
Specifically, the result to credit card information that banking system is returned is received, if being verified, Insurance system will generate corresponding Credit cards Electronic declaration form according to the credit card information.Electronic insurance policy refers to insurance Company is by the digital signature for following PKI (Public Key Infrastructure, PKIX) system Software and mathematic for business certificate are the electronic insurance policy that there is insurance company to sign electronically that client signs and issues.Protect Danger list abbreviation declaration form, is the legal basis that the insurer and insurant conclude insurance contract, intactly remembers above The rights and obligations and responsibility of insurance contract both parties are carried.
Step 208, the subscriber's account that banking system is periodically sent is received, corresponding protect is calculated according to subscriber's account Take, the premium obtained according to calculating sends request of withholing to banking system, receive withholing for banking system return Feedback.
In the present embodiment, credit card insure payment mode need determined according to subscriber's account, silver Row system periodically (such as one month) can send corresponding subscriber's account to insurance system, insurance system according to Subscriber's account calculates the premium paid the need for correspondence, and then the premium obtained according to calculating is sent to banking system Withhold request, banking system is detained from the corresponding credit card of user and draw corresponding premium to insurance company Account, and receive the result feedback of withholing of banking system return.Specifically, when monthly to pay premium, The calculation formula of premium is:A premium=upper month subscriber's account × default Proportion of payment (such as 1 ‰), such as Fruit is insuring of being carried out when handling credit card, because in the absence of last month subscriber's account, first month is exempted from Take.If credit card needs to obtain with what is insured after a period of time when insuring The subscriber's account of individual month, calculates corresponding premium, and drawing corresponding premium to insurance on behalf of button by banking system is System account.
In the present embodiment, the request of insuring sent by receiving terminal, response, which is insured, asks and receives credit Card information, is sent to corresponding banking system by credit card information and is verified, receives what banking system was returned The result, if being verified, corresponding Credit cards Electronic declaration form is generated according to credit card information, is received The subscriber's account that banking system is periodically sent, calculates corresponding premium according to subscriber's account, is obtained according to calculating Premium send and withhold request to banking system, receive the feedback of withholing of banking system return.So, entirely Process is automatically performed by insurance system and banking system docking, not only allows users to insure in real time, and It is convenient and swift, while saving substantial amounts of manpower and materials.
As shown in figure 3, in one embodiment, after the step of the asking of insuring that receiving terminal is sent also Including:
Step 210, the user profile in request of insuring is extracted, corresponding user credit is obtained according to user profile Value.
Specifically, insurance system is received after the request of insuring of terminal transmission, extract first in request of insuring User profile, user profile includes:The name of user, ID card information etc..According to the user profile of extraction User credit value corresponding with the user profile is obtained, the user credit value refers to the history credit value of user, Whether credit stain etc. was had before judging the user.
Step 212, judge whether user credit value meets default requirement of insuring, if so, then allow to insure, Insure and ask and the step of receive credit card information into response, if it is not, then terminating.
Specifically, being judged whether to meet default requirement of insuring according to the user credit value of acquisition, i.e., set in advance A fixed minimum credit value, if user credit value is less than this minimum standard, does not allow to insure, and terminates. If above default standard of insuring, then allow to insure, insured into response and ask and receive credit card information The step of.
In one embodiment, the method that above-mentioned processing credit card is insured also includes:When the credit card insured not When can refund on time, the Claims Resolution request that banking system is initiated is received, is compensated accordingly according to Claims Resolution request.
In the present embodiment, when banking system, which detects the credit card insured, does not refund on time, then to guarantor Dangerous system initiates Claims Resolution request, and insurance system is received after Claims Resolution request, compensated accordingly.So not Only avoid because user can not refund and brings loss to bank on time, it also avoid user and credit dirt occur Point.
In one embodiment, also include before the step of the asking of insuring that receiving terminal is sent:With bank System sets up connection.
In the present embodiment, insurance system is pre-established with banking system and is connected, thus can be easily real Show insuring for credit card, whole process is automatically performed, and saves substantial amounts of manpower and materials.
In one embodiment, the method that above-mentioned processing credit card is insured also includes:The letter that receiving terminal is sent With card declaration form inquiry request, corresponding policy information is shown according to credit card declaration form inquiry request.
Specifically, the credit card declaration form inquiry request that insurance system receiving terminal is sent, extracts the guarantor in request Odd numbers, searches policy information corresponding with the number of policy and is shown, facilitate user to understand declaration form in time detailed Feelings.
As shown in Figure 4, it is proposed that a kind of to handle the device that credit card is insured, the device includes:
Receiving module 402, the request of insuring sent for receiving terminal.
Sending module 404, asks for responding described insure and receives credit card information, the credit card is believed Breath is sent to corresponding banking system and verified.
Generation module 406, the result for receiving banking system return, if being verified, according to institute State credit card information and generate corresponding Credit cards Electronic declaration form.
Computing module 408, for receiving the subscriber's account that banking system is periodically sent, according to the subscriber's account Corresponding premium is calculated, the premium obtained according to calculating sends request of withholing to banking system, receive department of banking The feedback of withholing that system is returned.
As shown in figure 5, in one embodiment, the device that above-mentioned processing credit card is insured also includes:
Acquisition module 410, for extracting the user profile in request of insuring, according to user profile acquisition pair The user credit value answered;
Judge module 412, for judging whether the user credit value meets default requirement of insuring, if so, Then notify to insure described in sending module response and ask and receive credit card information.
As shown in fig. 6, in one embodiment, the device that above-mentioned processing credit card is insured also includes:
Claims Resolution module 414, for when the credit card insured can not refund on time, receiving what banking system was initiated Claims Resolution request, is compensated accordingly according to the Claims Resolution request.
As shown in fig. 7, in one embodiment, the device that above-mentioned processing credit card is insured also includes:
Module 401 is set up, is connected for being set up with banking system.
In one embodiment, the device that above-mentioned processing credit card is insured also includes:
Enquiry module, the credit card declaration form inquiry request sent for receiving terminal is protected according to the credit card Single inquiry request shows corresponding policy information.
Embodiment described above only expresses the several embodiments of the present invention, and it describes more specific and detailed, But therefore it can not be interpreted as the limitation to the scope of the claims of the present invention.It should be pointed out that for this area Those of ordinary skill for, without departing from the inventive concept of the premise, can also make it is some deformation and Improve, these belong to protection scope of the present invention.Therefore, the protection domain of patent of the present invention should be with appended Claim is defined.

Claims (10)

1. a kind of handle the method that credit card is insured, methods described includes:
The request of insuring that receiving terminal is sent;
Insured described in response and ask and receive credit card information, the credit card information is sent to corresponding silver Row system is verified;
The result that banking system is returned is received, if being verified, is generated according to the credit card information Corresponding Credit cards Electronic declaration form;
The subscriber's account that banking system is periodically sent is received, corresponding premium is calculated according to the subscriber's account, The premium obtained according to calculating sends request of withholing to banking system, receives the feedback of withholing that banking system is returned.
2. according to the method described in claim 1, it is characterised in that in insuring that the receiving terminal is sent Also include after the step of request:
The user profile in request of insuring is extracted, corresponding user credit value is obtained according to the user profile;
Judge whether the user credit value meets default requirement of insuring, described throw is responded if so, then entering Protect the step of asking and receive credit card information.
3. according to the method described in claim 1, it is characterised in that methods described also includes:
When the credit card insured can not refund on time, the Claims Resolution request that banking system is initiated is received, according to institute Claims Resolution request is stated to be compensated accordingly.
4. according to the method described in claim 1, it is characterised in that in insuring that the receiving terminal is sent Also include before the step of request:
Set up and be connected with banking system.
5. according to the method described in claim 1, it is characterised in that methods described also includes:
The credit card declaration form inquiry request that receiving terminal is sent, shows according to the credit card declaration form inquiry request Corresponding policy information.
6. a kind of handle the device that credit card is insured, it is characterised in that described device includes:
Receiving module, the request of insuring sent for receiving terminal;
Sending module, asks for responding described insure and receives credit card information, by the credit card information Corresponding banking system is sent to be verified;
Generation module, the result for receiving banking system return, if being verified, according to described Credit card information generates corresponding Credit cards Electronic declaration form;
Computing module, for receiving the subscriber's account that banking system is periodically sent, according to the subscriber's account meter Corresponding premium is calculated, the premium obtained according to calculating sends request of withholing to banking system, receive banking system The feedback of withholing returned.
7. device according to claim 6, it is characterised in that described device also includes:
Acquisition module, for extracting the user profile in request of insuring, correspondence is obtained according to the user profile User credit value;
Judge module, for judging whether the user credit value meets default requirement of insuring, if so, then Notify to insure described in sending module response and ask and receive credit card information.
8. device according to claim 6, it is characterised in that described device also includes:
Claims Resolution module, for when the credit card insured can not refund on time, receiving the reason that banking system is initiated Request is paid for, is compensated accordingly according to the Claims Resolution request.
9. device according to claim 6, it is characterised in that described device also includes:
Module is set up, is connected for being set up with banking system.
10. device according to claim 6, it is characterised in that described device also includes:
Enquiry module, the credit card declaration form inquiry request sent for receiving terminal is protected according to the credit card Single inquiry request shows corresponding policy information.
CN201610047847.4A 2016-01-22 2016-01-22 The method and apparatus that processing credit card is insured Pending CN106997560A (en)

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Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107862613A (en) * 2017-08-24 2018-03-30 平安科技(深圳)有限公司 Premium paying method, premium pay equipment and readable storage medium storing program for executing
CN108074039A (en) * 2017-12-11 2018-05-25 东软集团股份有限公司 A kind of method and apparatus for obtaining credit standing
CN108268593A (en) * 2017-12-08 2018-07-10 中国平安财产保险股份有限公司 Credit card is insured processing method, device, server and the storage medium of information
WO2019052113A1 (en) * 2017-09-14 2019-03-21 平安科技(深圳)有限公司 Insurance expense payment method and apparatus, terminal device and medium
WO2020119111A1 (en) * 2018-12-13 2020-06-18 平安医疗健康管理股份有限公司 Insurance premium calculation method for non-disease treatment program, device, apparatus, and storage medium

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102509241A (en) * 2011-11-25 2012-06-20 朱鹏飞 Management method and management device of POS (Point Of Sale) terminal system for insurance sales
CN103339645A (en) * 2010-12-30 2013-10-02 于尔格·拉尔夫·恩斯特 Method for activating an insurance policy online and device for carrying out said method

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103339645A (en) * 2010-12-30 2013-10-02 于尔格·拉尔夫·恩斯特 Method for activating an insurance policy online and device for carrying out said method
CN102509241A (en) * 2011-11-25 2012-06-20 朱鹏飞 Management method and management device of POS (Point Of Sale) terminal system for insurance sales

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107862613A (en) * 2017-08-24 2018-03-30 平安科技(深圳)有限公司 Premium paying method, premium pay equipment and readable storage medium storing program for executing
WO2019037454A1 (en) * 2017-08-24 2019-02-28 平安科技(深圳)有限公司 Premium payment method, apparatus, device, and readable storage medium
WO2019052113A1 (en) * 2017-09-14 2019-03-21 平安科技(深圳)有限公司 Insurance expense payment method and apparatus, terminal device and medium
CN108268593A (en) * 2017-12-08 2018-07-10 中国平安财产保险股份有限公司 Credit card is insured processing method, device, server and the storage medium of information
CN108074039A (en) * 2017-12-11 2018-05-25 东软集团股份有限公司 A kind of method and apparatus for obtaining credit standing
WO2020119111A1 (en) * 2018-12-13 2020-06-18 平安医疗健康管理股份有限公司 Insurance premium calculation method for non-disease treatment program, device, apparatus, and storage medium

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Application publication date: 20170801