CN109118375B - Application processing method, device, medium and electronic equipment - Google Patents
Application processing method, device, medium and electronic equipment Download PDFInfo
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- CN109118375B CN109118375B CN201810917336.2A CN201810917336A CN109118375B CN 109118375 B CN109118375 B CN 109118375B CN 201810917336 A CN201810917336 A CN 201810917336A CN 109118375 B CN109118375 B CN 109118375B
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Abstract
The embodiment of the invention provides an insurance processing method, an insurance processing device, a medium and electronic equipment, wherein the insurance processing method comprises the following steps: acquiring the application information of a user; performing pre-check insurance processing based on the insurance information of the user; determining whether the target user passing the pre-check insurance needs to be insured; and if the target user is determined to need to be applied with insurance, generating an insurance policy based on the insurance application information of the target user. According to the technical scheme of the embodiment of the invention, the underwriting process is advanced to the time before the user applies the insurance, so that the period from applying the insurance to obtaining the insurance policy by the user is shortened, the processing efficiency of the project needing short-term high-frequency insurance is accelerated, and the user experience is improved.
Description
Technical Field
The invention relates to the technical field of computers, in particular to an insurance processing method, an insurance processing device, an insurance processing medium and electronic equipment.
Background
With the rapid rise of internet insurance, the rapid increase of policy volume and the perfection of insurance underwriting function, the underwriting process of users is more and more complex and time-consuming. At present, after a user initiates insurance, an insurance company needs to analyze insurance information and historical claim settlement data of the user according to insurance acceptance conditions so as to judge the insurance risk of the user and further determine whether to accept insurance. Because the underwriting process is very complex, the user can obtain the insurance policy only by waiting for a long time after the insurance policy is applied, which not only influences the user experience and causes a large amount of online users to lose, but also limits the development of short-term high-frequency insurance projects.
It is to be noted that the information disclosed in the above background section is only for enhancement of understanding of the background of the present invention and therefore may include information that does not constitute prior art known to a person of ordinary skill in the art.
Disclosure of Invention
An object of the embodiments of the present invention is to provide a method, an apparatus, a medium, and an electronic device for processing an insurance application, so as to overcome, at least to a certain extent, a problem that a user needs to wait for a long time to obtain an insurance policy after the insurance application.
Additional features and advantages of the invention will be set forth in the detailed description which follows, or may be learned by practice of the invention.
According to a first aspect of an embodiment of the present invention, there is provided an application processing method, including: acquiring the application information of a user; performing pre-check insurance processing based on the insurance information of the user; determining whether the target user passing the pre-check insurance needs to be insured; and if the target user is determined to need to be applied with insurance, generating an insurance policy based on the insurance application information of the target user.
In some embodiments of the present invention, determining whether to apply insurance to the target user who passes the pre-underwriting based on the foregoing scheme includes: judging whether the current time meets the regular insurance application plan of the target user; and if the current time meets the regular insurance application plan, determining that the target user needs to be insured.
In some embodiments of the present invention, based on the foregoing solution, before determining whether to apply an insurance to the target user who passes the pre-underwriting, the insurance processing method further includes: generating a regular insurance application plan aiming at the target user according to the insurance application information of the target user; pushing the generated regular insurance application plan to the target user for selection; recording the target user selected periodic application plan to determine whether the target user needs to be applied with an application based on the target user selected periodic application plan.
In some embodiments of the present invention, based on the foregoing solution, generating a periodic insurance plan for the target user according to the insurance information of the target user includes: determining the risk level of the target user according to the insurance application information of the target user; determining a regular insurance application period formulated for the target user based on the risk level of the target user; determining an insurance product suitable for the target user according to the periodic insurance application period; and generating a regular insurance application plan aiming at the target user according to the regular insurance application period and the insurance product.
In some embodiments of the present invention, based on the foregoing solution, before generating a periodic insurance plan for the target user according to the insurance information of the target user, the insurance processing method further includes: receiving a regular insurance application plan sent by the target user; auditing the regular insurance application plan sent by the target user; and if the audit of the regular insurance application plan sent by the target user is not passed, generating the regular insurance application plan aiming at the target user according to the insurance application information of the target user.
In some embodiments of the present invention, based on the foregoing solution, if the periodic insurance plan sent by the target user passes the audit, the periodic insurance plan sent by the target user is recorded, so as to determine whether to apply insurance to the target user based on the periodic insurance plan sent by the target user.
In some embodiments of the present invention, determining whether to apply insurance to the target user who passes the pre-underwriting based on the foregoing scheme includes: detecting whether an application instruction triggered by the target user is received; and if an insurance application instruction triggered by the target user is received, determining that the target user needs to be insured.
In some embodiments of the present invention, based on the foregoing solution, before obtaining the application information of the user, the application processing method further includes: acquiring a subscription application which is submitted by a user and aims at pre-verification and protection, wherein the subscription application comprises subscription information; auditing the signing application based on the signing information; and if the signing application is approved, acquiring the application information of the user.
In some embodiments of the present invention, obtaining the application information of the user comprises: and acquiring the insurance application information periodically sent by a third-party platform to which the user belongs.
According to a second aspect of the embodiments of the present invention, there is provided an application processing apparatus including: the acquisition unit is used for acquiring the insurance information of the user; the pre-underwriting processing unit is used for performing pre-underwriting processing on the basis of the insurance information of the user; the determining unit is used for determining whether the target user passing the pre-check insurance needs to be insured; and the insurance processing unit is used for generating an insurance policy based on the insurance information of the target user when the determining unit determines that the insurance needs to be applied to the target user.
In some embodiments of the present invention, based on the foregoing scheme, the determining unit is configured to: judging whether the current time meets the regular insurance application plan of the target user; and if the current time meets the regular insurance application plan, determining that the target user needs to be insured.
In some embodiments of the present invention, based on the foregoing solution, the application processing apparatus further includes: the generating unit is used for generating a regular insurance application plan aiming at the target user according to the insurance application information of the target user; the pushing unit is used for pushing the generated regular insurance application plan to the target user for selection; and the recording unit is used for recording the regular insurance plan selected by the target user so as to determine whether the target user needs to be insured based on the regular insurance plan selected by the target user.
In some embodiments of the present invention, based on the foregoing scheme, the generating unit is configured to: determining the risk level of the target user according to the insurance application information of the target user; determining a regular insurance application period formulated for the target user based on the risk level of the target user; determining an insurance product suitable for the target user according to the periodic insurance application period; and generating a regular insurance application plan aiming at the target user according to the regular insurance application period and the insurance product.
In some embodiments of the present invention, based on the foregoing solution, the application processing apparatus further includes: the receiving unit is used for receiving the regular insurance application plan sent by the target user; the auditing unit is used for auditing the regular insurance application plan sent by the target user; the generation unit is configured to: and when the periodical insurance application plan sent by the target user is not approved, generating a periodical insurance application plan aiming at the target user according to the insurance application information of the target user.
In some embodiments of the present invention, based on the foregoing scheme, the recording unit is configured to: and if the periodical insurance application plan sent by the target user passes the audit, recording the periodical insurance application plan sent by the target user so as to determine whether insurance application needs to be carried out on the target user based on the periodical insurance application plan sent by the target user.
In some embodiments of the present invention, based on the foregoing scheme, the determining unit is configured to: detecting whether an application instruction triggered by the target user is received; and if an insurance application instruction triggered by the target user is received, determining that the target user needs to be insured.
In some embodiments of the present invention, based on the foregoing scheme, the obtaining unit is further configured to: acquiring a subscription application which is submitted by a user and aims at pre-verification and protection, wherein the subscription application comprises subscription information; auditing the signing application based on the signing information; and acquiring the application information of the user after the signed application is approved.
In some embodiments of the invention, the obtaining unit is configured to: and acquiring the insurance application information periodically sent by a third-party platform to which the user belongs.
According to a third aspect of embodiments of the present invention, there is provided a computer-readable medium, on which a computer program is stored, which when executed by a processor, implements the application processing method as described in the first aspect of the embodiments above.
According to a fourth aspect of embodiments of the present invention, there is provided an electronic apparatus, including: one or more processors; storage means for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement the method of application processing as described in the first aspect of the embodiments above.
The technical scheme provided by the embodiment of the invention has the following beneficial effects:
in the technical scheme provided by some embodiments of the invention, the insurance policy is generated based on the insurance information of the target user when the target user passing the pre-insurance policy needs to be insured by performing the pre-insurance processing based on the insurance information of the user, so that the insurance policy can be advanced to the front of the insurance policy of the user, and then the insurance policy is generated directly based on the insurance information of the user when the user passing the pre-insurance policy needs to be insured, thereby effectively shortening the period from the insurance policy application to the insurance policy acquisition of the user, improving the user experience and being beneficial to promoting the development of short-term high-frequency insurance projects.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the invention, as claimed.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description, serve to explain the principles of the invention. It is obvious that the drawings in the following description are only some embodiments of the invention, and that for a person skilled in the art, other drawings can be derived from them without inventive effort. In the drawings:
FIG. 1 schematically illustrates a flow diagram of an application processing method according to one embodiment of the invention;
FIG. 2 schematically illustrates a flow diagram of a method of determining whether an application of an insurance is required to a target user that passes a pre-underwriting, in accordance with one embodiment of the present invention;
FIG. 3 schematically illustrates a flow diagram of a method of determining a periodic insurance plan, according to one embodiment of the invention;
FIG. 4 schematically illustrates a flow diagram of a method of determining a periodic insurance plan, according to another embodiment of the invention;
FIG. 5 schematically illustrates a flow diagram of a method of generating a periodic application plan for a target user, according to one embodiment of the invention;
FIG. 6 schematically illustrates a flow diagram of a method of determining whether an application of an insurance is required to a target user that passes a pre-underwriting, in accordance with another embodiment of the invention;
FIG. 7 schematically illustrates a flow diagram of an application processing method according to one embodiment of the invention;
FIG. 8 illustrates a flow diagram of an application process method in a scenario where a user purchases a scheduled insurance, according to one embodiment of the invention;
FIG. 9 schematically illustrates a block diagram of an application processing apparatus according to one embodiment of the invention;
FIG. 10 illustrates a schematic structural diagram of a computer system suitable for use with the electronic device to implement an embodiment of the invention.
Detailed Description
Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art.
Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to provide a thorough understanding of embodiments of the invention. One skilled in the relevant art will recognize, however, that the invention may be practiced without one or more of the specific details, or with other methods, components, devices, steps, and so forth. In other instances, well-known methods, devices, implementations or operations have not been shown or described in detail to avoid obscuring aspects of the invention.
The block diagrams shown in the figures are functional entities only and do not necessarily correspond to physically separate entities. I.e. these functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor means and/or microcontroller means.
The flow charts shown in the drawings are merely illustrative and do not necessarily include all of the contents and operations/steps, nor do they necessarily have to be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the actual execution sequence may be changed according to the actual situation.
FIG. 1 schematically shows a flow diagram of an application processing method according to one embodiment of the invention. The execution subject of the application processing method may be a server of an insurance company or the like.
Referring to fig. 1, the application processing method according to an embodiment of the present invention includes steps S110 to S140, and the following is described in detail:
in step S110, the application information of the user is acquired.
In an embodiment of the present invention, the acquired application information may be the application information periodically sent by the third party platform to which the user belongs to the insurance company platform. For example, the user may be a takeaway dealer of the takeaway platform, and the takeaway platform may send the information of the takeaway dealer requiring the insurance to the insurance company according to a predetermined period (the predetermined period may be fixed, such as a week, a month, etc.; the predetermined period may also be variable, such as the predetermined period may be determined according to the information update frequency of the takeaway dealer). In other embodiments of the present invention, the third party platform may also be a platform such as an express company that needs to apply insurance to a plurality of users.
In one embodiment of the present invention, the acquired application information may also be user information acquired using a blockchain network. For example, a blockchain network may be established between the insurance company and the third-party platform, and the third-party platform may store the application information of the user in the blockchain network, so that the insurance company may obtain the application information of the user from the blockchain network.
In an embodiment of the present invention, the acquired insurance application information may also be insurance application information submitted by the user himself, or information acquired from data that the user has purchased insurance or other related data according to big data analysis technology, and the like. For example, if the user purchased the vehicle insurance, the user's insurance information may be extracted from the vehicle insurance purchased by the user.
In step S120, pre-underwriting processing is performed based on the user' S application information.
In one embodiment of the present invention, the pre-underwriting process may include any one or more of the following combinations: the method comprises the steps of checking whether a user exists in a blacklist, auditing a credit system of the user, analyzing big data of user information to determine a risk level of the user, pre-certifying the user through a conventional risk control model, pre-certifying the user based on a block chain risk control model and the like. For example, the insurance information of the user can be pre-verified only by using the conventional risk model, or the insurance information of the user can be pre-verified by using two methods, namely big data analysis and a conventional risk control model.
In step S130, it is determined whether or not the target user who passed the pre-underwriting needs to be applied with the underwriting.
In an embodiment of the present invention, referring to fig. 2, a method for determining whether a target user passing a pre-underwriting needs to be applied with an insurance according to an embodiment of the present invention includes:
and step S210, judging whether the current time meets the regular insurance application plan of the target user.
In an embodiment of the present invention, the regular insurance plan may be an insurance plan that the user has made and signed up in the past, or may be a new regular insurance plan added by the user.
And step S220, if the current time meets the regular insurance application plan, determining that the target user needs to be insured.
The solution of the embodiment shown in fig. 2 enables a user to be insured based on a periodic insurance plan, such as for short term high frequency insurance products, such as short term (one day or one week, etc.) insurance products for couriers, take-away dispatchers, etc., the insuring may be triggered every other day or week.
The regular insurance plan may be created by the insurance company for the user, or may be created by the user. If the regular insurance application plan is made by the user, the insurance company needs to audit the regular insurance application plan made by the user, and the regular insurance application plan made by the user can be adopted only after the insurance company passes the audit of the regular insurance application plan made by the user, and the above process is described in detail as follows:
referring to FIG. 3, a method of determining a periodic insurance plan according to one embodiment of the present invention includes:
step S310, receiving the regular insurance application plan sent by the target user.
In one embodiment of the present invention, the regular insurance plan sent by the target user may be an insurance plan made by the target user himself or an insurance plan selected by the target user on the website of the insurance company.
And step S320, auditing the regular insurance application plan sent by the target user.
In one embodiment of the present invention, the checking of the regular insurance plan sent by the target user may be to check whether the regular insurance plan is reasonable, such as whether there is a risk, based on the information of the target user.
Step S330, if the periodical insurance plan sent by the target user is approved, recording the periodical insurance plan sent by the target user so as to determine whether insurance needs to be applied to the target user based on the periodical insurance plan sent by the target user.
The process scheme for a periodic insurance plan shown in FIG. 3 enables a user to autonomously select a desired periodic insurance plan, increasing the flexibility of making periodic insurance plans.
On the basis of the method for determining a regular insurance plan shown in fig. 3, as shown in fig. 4, the method may further include:
step S340, if the periodical insurance application plan sent by the target user is not approved, generating the periodical insurance application plan aiming at the target user according to the insurance application information of the target user.
According to the technical scheme of the embodiment, when the regular insurance application plan autonomously made by the user cannot be checked, the regular insurance application plan can be automatically generated according to the insurance application information of the user.
In one embodiment of the present invention, the process of generating a periodic insurance plan for a target user according to insurance information of the target user can be as shown in fig. 5, including the following steps:
and step S510, determining the risk level of the target user according to the insurance information of the target user.
In an embodiment of the present invention, the risk level of the target user may be determined according to one or a combination of multiple methods, such as whether the user exists in a blacklist, a credit system of the user, big data analysis of user information, analysis of user information through a conventional risk control model, analysis of user information based on a blockchain risk control model, and the like.
And step S520, determining a regular insurance application period made for the target user based on the risk level of the target user.
In an embodiment of the present invention, for example, if the risk level of the user is lower, a shorter periodic insurance application period may be established (if the guarantee period of the insurance is 1 day, the periodic insurance application period may be 1 day, that is, the user is applied with insurance every day), so as to ensure that the user with the lower risk level enjoys better insurance service; for the users with higher risk level, a longer periodic insurance application period can be established (for example, if the guarantee period of the insurance is 1 day, the periodic insurance application period can be 1 week, that is, only 1 day of insurance is applied to the users every week), so as to avoid the loss of the insurance company caused by more frequent insurance application to the users with higher risk level.
Step S530, determining the insurance product suitable for the target user according to the periodic insurance application period.
In one embodiment of the invention, different periodic application cycles correspond to different insurance products, and thus a user-appropriate insurance product can be determined from the determined periodic application cycle.
And step S540, generating a regular insurance application plan aiming at the target user according to the regular insurance application cycle and the insurance product.
The solution of the embodiment shown in fig. 5 enables a periodic application plan to be automatically generated to a user based on the user's application information. The one or more regular insurance plans can be generated according to the insurance information of the user, and the generated one or more regular insurance plans are pushed to the user for selection confirmation, so that whether the user needs to be insured or not is determined according to the regular insurance plans selected by the user.
In another embodiment of the present invention, referring to fig. 6, a method for determining whether to require insurance application to a target user who passes pre-underwriting according to another embodiment of the present invention includes steps S610 and S620, which are described in detail as follows:
in step S610, it is detected whether an application instruction triggered by the target user is received.
In one embodiment of the invention, the target user may trigger an insurance application instruction through an insurance application channel platform, such as an express company platform, a takeaway company platform, etc. cooperating with an insurance company; in other embodiments of the present invention, the target user may also trigger the insurance application instruction through a mobile phone client, a computer client, a web page, or other platform set up by the insurance company.
In step S620, if an application instruction triggered by the target user is received, it is determined that the target user needs to be applied with an application.
The technical scheme of the embodiment shown in fig. 6 enables the user to determine whether to apply insurance to the user according to the trigger instruction of the user, thereby facilitating the user to flexibly select the time of applying insurance according to the actual needs of the user.
Continuing to refer to fig. 1, in step S140, if it is determined that the target user needs to be applied with an insurance policy, the insurance policy is generated based on the application information of the target user.
In one embodiment of the invention, after generating the policy based on the application information of the target user, the underwriting information and/or the generated policy information may be transmitted back to the target user for viewing by the target user.
Fig. 1 to fig. 6 describe details of an application processing scheme according to an embodiment of the present invention, and in an embodiment of the present invention, based on the application processing scheme described in the foregoing embodiment, referring to fig. 7, an application processing method according to another embodiment of the present invention includes the following steps S710, S720, and S730, which are described in detail as follows:
in step S710, a subscription application for pre-underwriting submitted by a user is obtained, where the subscription application includes subscription information.
In one embodiment of the invention, the subscription application for pre-underwriting is described
The insurance contract request can be submitted when the user buys the one-time insurance, or can be submitted when the user buys the regular insurance, or can be a contract request submitted by the user alone. The validity period of the contracted application can be permanent or valid within a period of time of a regular insurance.
In step S720, the subscription application is checked based on the subscription information.
In an embodiment of the present invention, the process of checking the contract application may be to check whether the contract duration meets a condition, check whether the contractor has contract qualification, and the like.
In step S730, after the signed application is approved, acquiring the application information of the user.
In the embodiment of the present invention, after acquiring the application information of the user, the steps shown in fig. 1 may be executed.
According to the technical scheme of the embodiment of the invention, the underwriting process can be advanced to the time before the user applies insurance, and then when the user passing the pre-underwriting needs to apply insurance, the insurance policy is generated directly based on the insurance application information of the user, so that the period from the insurance application to the insurance policy obtaining of the user is effectively shortened, and the user experience is improved.
The following describes details of implementation of the technical solution of the embodiment of the present invention in detail, taking a scenario of purchasing regular insurance for a user as an example, with reference to fig. 8:
in a specific application scenario of the present invention, as shown in fig. 8, the method for processing an insurance application of a periodic insurance according to an embodiment of the present invention includes the following processes S810 to S830, which are described in detail as follows:
in process S810, the user signs up and determines a fixed-investment plan (i.e., a regular insurance plan).
In an embodiment of the present invention, the process of the user signing up and determining the decision-making plan may specifically include: a user (who may be an applicant) customizes or selects insurance products through an insurance channel platform (i.e., a third party platform, such as a courier platform, a takeaway platform, etc.) and applies for a contract with an insurance company. And returning a signing result to the user after the insurance company checks the signing application. And if the signing result is successful signing, the application channel platform collects application information of the signing user. Meanwhile, if the contract is successful, the insurance company can determine a fixed-delivery plan according to contract information (including information such as insurance products selected by the user, user names, user certificates and the like) between the insurance company and the user.
In an embodiment of the present invention, if the audit is not passed (i.e., the subscription fails), the insurance company may automatically generate a plan for making a decision according to the information of the user, and push the plan to the user for selection. Specifically, for example, the insurance company may determine the risk level of the user according to the information of the user, then determine the voting period according to the risk level of the user, determine an appropriate insurance product according to the voting period, and finally determine a voting plan according to the insurance product and the determined voting period (this process is not shown in fig. 8).
In process S820, the subscriber is pre-certified.
In an embodiment of the present invention, the process of pre-underwriting the subscriber may include: the application channel platform collects the application information (including information of the applicant, the insured person and the beneficiary) of the signed user and submits the information to the insurance company. After receiving the insurance information of the signed user, the insurance company starts the pre-check and insurance pending task and performs pre-check and insurance processing on the user based on the pre-check and insurance pending task. In an embodiment of the invention, the insurance company performs pre-underwriting processing based on the insurance information of the user by using a blacklist system, a credit system, big data analysis, a conventional risk control model, a block chain risk control model and the like, and puts the insurance information of the user passing the pre-underwriting into a pre-underwriting pending library.
In an embodiment of the present invention, if the pre-insurance does not pass, the insurance company may notify the application channel platform of the pre-insurance status, that is, the pre-insurance does not pass, and may also notify the application channel platform of the reason for the pre-insurance does not pass, so as to notify the user of the application channel platform.
In process S830, the order is periodically issued according to the pre-approval result and the decision-making plan.
In one embodiment of the present invention, the process of periodically issuing an order according to the pre-approval result and the decision-making plan may include: and the insurance channel platform triggers the fixed investment regularly according to the fixed investment plan and the time. And the insurance company confirms whether the trigger meets the signed order-out plan or not according to the insurance information in the pre-underwriting pending library, and if the trigger meets the signed order-out plan, the insurance-out order is underwritten and the insurance-underwriting information is returned to the insurance channel platform so that the insurance channel platform can send the insurance-underwriting information and/or the generated insurance policy information to the user.
In one embodiment of the invention, if the insurance information does not meet the contract-signing order-making plan, the step of making the insurance order is not carried out.
Furthermore, in another embodiment of the present invention, after the pre-underwriting passes, the insurance company can time out the order according to the tape-out plan without the need to time trigger the order according to the application channel platform.
According to the technical scheme of the embodiment of the invention, after the user pre-checks the insurance, the insurance policy issuing form can be automatically triggered subsequently according to the fixed investment plan, so that the processes of repeatedly inputting information and repeatedly checking the insurance policy are avoided, the time for the user to obtain the insurance policy is shortened, and the user experience is improved.
Embodiments of the apparatus of the present invention are described below, which can be used to perform the above-described application processing method of the present invention.
FIG. 9 schematically shows a block diagram of an application processing apparatus, which may be applied to an application process, according to one embodiment of the invention.
Referring to FIG. 9, an application processing apparatus 900 according to an embodiment of the present invention includes: an acquisition unit 901, a pre-underwriting processing unit 902, a determination unit 903 and an application processing unit 904.
The obtaining unit 901 is configured to obtain insurance information of a user; the pre-underwriting processing unit 902 is configured to perform pre-underwriting processing based on the insurance application information of the user; the determining unit 903 is used for determining whether the target user passing the pre-check insurance needs to be insured; the application processing unit 904 is configured to generate a policy based on the application information of the target user when the determining unit determines that the target user needs to be applied with the application.
In some embodiments of the present invention, based on the foregoing scheme, the determining unit 903 is configured to: judging whether the current time meets the regular insurance application plan of the target user; and if the current time meets the regular insurance application plan, determining that the target user needs to be insured.
In some embodiments of the present invention, based on the foregoing solution, the application processing device 900 further includes: the generating unit is used for generating a regular insurance application plan aiming at the target user according to the insurance application information of the target user; the pushing unit is used for pushing the generated regular insurance application plan to the target user for selection; and the recording unit is used for recording the regular insurance plan selected by the target user so as to determine whether the target user needs to be insured based on the regular insurance plan selected by the target user.
In some embodiments of the present invention, based on the foregoing scheme, the generating unit is configured to: determining the risk level of the target user according to the insurance application information of the target user; determining a regular insurance application period formulated for the target user based on the risk level of the target user; determining an insurance product suitable for the target user according to the periodic insurance application period; and generating a regular insurance application plan aiming at the target user according to the regular insurance application period and the insurance product.
In some embodiments of the present invention, based on the foregoing solution, the application processing device 900 further includes: the receiving unit is used for receiving the regular insurance application plan sent by the target user; the auditing unit is used for auditing the regular insurance application plan sent by the target user; the generation unit is configured to: and when the periodical insurance application plan sent by the target user is not approved, generating a periodical insurance application plan aiming at the target user according to the insurance application information of the target user.
In some embodiments of the present invention, based on the foregoing scheme, the recording unit is configured to: and if the periodical insurance application plan sent by the target user passes the audit, recording the periodical insurance application plan sent by the target user so as to determine whether insurance application needs to be carried out on the target user based on the periodical insurance application plan sent by the target user.
In some embodiments of the present invention, based on the foregoing scheme, the determining unit 903 is configured to: detecting whether an application instruction triggered by the target user is received; and if an insurance application instruction triggered by the target user is received, determining that the target user needs to be insured.
In some embodiments of the present invention, based on the foregoing scheme, the obtaining unit 901 is further configured to: acquiring a subscription application which is submitted by a user and aims at pre-verification and protection, wherein the subscription application comprises subscription information; auditing the signing application based on the signing information; and if the signing application is approved, acquiring the application information of the user.
In some embodiments of the present invention, the obtaining unit 901 is configured to: and acquiring the insurance application information periodically sent by a third-party platform to which the user belongs.
For details which are not disclosed in the embodiments of the apparatus of the present invention, reference is made to the above-described embodiments of the application processing method of the present invention for the respective functional modules of the application processing apparatus of the exemplary embodiment of the present invention corresponding to the steps of the above-described exemplary embodiment of the application processing method.
Referring now to FIG. 10, shown is a block diagram of a computer system 1000 suitable for use with the electronic device implementing an embodiment of the present invention. The computer system 1000 of the electronic device shown in fig. 10 is only an example, and should not bring any limitation to the function and the scope of use of the embodiments of the present invention.
As shown in fig. 10, the computer system 1000 includes a Central Processing Unit (CPU)1001 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)1002 or a program loaded from a storage section 1008 into a Random Access Memory (RAM) 1003. In the RAM 1003, various programs and data necessary for system operation are also stored. The CPU 1001, ROM 1002, and RAM 1003 are connected to each other via a bus 1004. An input/output (I/O) interface 1005 is also connected to bus 1004.
The following components are connected to the I/O interface 1005: an input section 1006 including a keyboard, a mouse, and the like; an output section 1007 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 1008 including a hard disk and the like; and a communication section 1009 including a network interface card such as a LAN card, a modem, or the like. The communication section 1009 performs communication processing via a network such as the internet. The driver 1010 is also connected to the I/O interface 1005 as necessary. A removable medium 1011 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 1010 as necessary, so that a computer program read out therefrom is mounted into the storage section 1008 as necessary.
In particular, according to an embodiment of the present invention, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the invention include a computer program product comprising a computer program embodied on a computer-readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication part 1009 and/or installed from the removable medium 1011. The computer program executes the above-described functions defined in the system of the present application when executed by the Central Processing Unit (CPU) 1001.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units described in the embodiments of the present invention may be implemented by software, or may be implemented by hardware, and the described units may also be disposed in a processor. Wherein the names of the elements do not in some way constitute a limitation on the elements themselves.
As another aspect, the present application also provides a computer-readable medium, which may be contained in the electronic device described in the above embodiments; or may exist separately without being assembled into the electronic device. The computer readable medium carries one or more programs which, when executed by the electronic device, cause the electronic device to implement the application processing method as described in the above embodiments.
For example, the electronic device may implement the following as shown in fig. 1: step S110, acquiring insurance information of a user; step S120, pre-check insurance processing is carried out based on the insurance information of the user; step S130, determining whether the target user passing the pre-check guarantee needs to be insured; and step S140, if the target user is determined to need to be applied with insurance, generating an insurance policy based on the insurance application information of the target user.
As another example, the electronic device may implement the steps shown in fig. 2 to 7.
It should be noted that although in the above detailed description several modules or units of the device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functionality of two or more modules or units described above may be embodied in one module or unit, according to embodiments of the invention. Conversely, the features and functions of one module or unit described above may be further divided into embodiments by a plurality of modules or units.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiment of the present invention can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which can be a personal computer, a server, a touch terminal, or a network device, etc.) to execute the method according to the embodiment of the present invention.
Other embodiments of the invention will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the invention following, in general, the principles of the invention and including such departures from the present disclosure as come within known or customary practice within the art to which the invention pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the invention being indicated by the following claims.
It will be understood that the invention is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the invention is limited only by the appended claims.
Claims (9)
1. An application processing method, comprising:
determining the risk level of a target user according to the application information of the target user, determining a regular application period made for the target user according to the risk level, and generating a regular application plan according to the regular application period;
pushing the generated regular insurance application plan to the target user for selection;
recording the periodic insurance plan selected by the target user to determine whether insurance needs to be applied to the target user based on the periodic insurance plan selected by the target user;
acquiring the application information of a user; the insurance information comprises user information used for judging the insurance risk of the user; performing pre-check insurance processing based on the insurance information of the user;
determining whether the target user passing the pre-check insurance needs to be applied with insurance;
if the target user is determined to need to be applied with insurance, generating an insurance policy based on the insurance application information of the target user;
wherein the determining whether the target user who passes pre-underwriting needs to be insured comprises:
judging whether the current time meets the regular insurance application plan of the target user;
and if the current time meets the regular insurance application plan, determining that the target user needs to be insured.
2. The application processing method according to claim 1, wherein the generating a periodic application plan according to the periodic application cycle comprises:
determining an insurance product suitable for the target user according to the periodic insurance application period;
and generating a regular insurance application plan aiming at the target user according to the regular insurance application period and the insurance product.
3. The application processing method according to claim 1, wherein before generating the periodic application plan for the target user based on the application information of the target user, the application processing method further comprises:
receiving a regular insurance application plan sent by the target user;
auditing the regular insurance application plan sent by the target user;
and if the audit of the regular insurance application plan sent by the target user is not passed, generating the regular insurance application plan aiming at the target user according to the insurance application information of the target user.
4. The application processing method according to claim 3, further comprising:
and if the periodical insurance application plan sent by the target user passes the audit, recording the periodical insurance application plan sent by the target user so as to determine whether insurance application needs to be carried out on the target user based on the periodical insurance application plan sent by the target user.
5. The application processing method according to claim 1, wherein the determining whether the target user who passes the pre-underwriting needs to be applied with the application further comprises:
detecting whether an application instruction triggered by the target user is received;
and if an insurance application instruction triggered by the target user is received, determining that the target user needs to be insured.
6. The application processing method of claim 1, wherein prior to obtaining the user's application information, the application processing method further comprises:
acquiring a subscription application which is submitted by a user and aims at pre-verification and protection, wherein the subscription application comprises subscription information;
auditing the signing application based on the signing information;
and if the signing application is approved, acquiring the application information of the user.
7. An application processing apparatus, comprising:
the generating unit is used for determining the risk level of a target user according to the insurance information of the target user, determining a regular insurance application period made for the target user according to the risk level and generating a regular insurance application plan according to the regular insurance application period;
the pushing unit is used for pushing the generated regular insurance application plan to the target user for selection;
the recording unit is used for recording the regular insurance plan selected by the target user so as to determine whether the target user needs to be insured based on the regular insurance plan selected by the target user;
the acquisition unit is used for acquiring the insurance information of the user; the insurance information comprises user information used for judging the insurance risk of the user;
the pre-underwriting processing unit is used for performing pre-underwriting processing on the basis of the insurance information of the user;
the determining unit is used for determining whether the target user passing the pre-check insurance needs to be insured;
the insurance processing unit is used for generating an insurance policy based on the insurance information of the target user when the determining unit determines that the insurance needs to be applied to the target user;
wherein the determining whether the target user who passes pre-underwriting needs to be insured comprises:
judging whether the current time meets the regular insurance application plan of the target user;
and if the current time meets the regular insurance application plan, determining that the target user needs to be insured.
8. A computer-readable medium, on which a computer program is stored, which, when being executed by a processor, carries out an application processing method according to any one of claims 1 to 6.
9. An electronic device, comprising:
one or more processors;
storage means for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to carry out the application processing method of any one of claims 1 to 6.
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| CN110189091A (en) * | 2019-04-03 | 2019-08-30 | 阿里巴巴集团控股有限公司 | It renews based reminding method, device, calculate equipment and computer readable storage medium |
| CN112418745A (en) * | 2019-08-22 | 2021-02-26 | 天津五八到家科技有限公司 | Policy generation method, device, equipment and storage medium |
| CN110599355A (en) * | 2019-09-12 | 2019-12-20 | 腾讯科技（深圳）有限公司 | Block chain-based vehicle insurance information system, insurance policy registration method and claim settlement method |
| CN111292196B (en) * | 2020-03-10 | 2021-10-01 | 广东工业大学 | Network identity protection method and device, electronic equipment and storage medium |
| CN112330471B (en) * | 2020-11-17 | 2023-06-02 | 中国平安财产保险股份有限公司 | Service data processing method, device, computer equipment and storage medium |
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Address after: Floor 36, Zheshang Building, No. 718 Jianshe Avenue, Jiang'an District, Wuhan, Hubei 430019 Patentee after: TK.CN INSURANCE Co.,Ltd. Patentee after: TAIKANG INSURANCE GROUP Co.,Ltd. Address before: 156 fuxingmennei street, Xicheng District, Beijing 100031 Patentee before: TAIKANG INSURANCE GROUP Co.,Ltd. Patentee before: TK.CN INSURANCE Co.,Ltd. |