CN110163764B - Premium payment processing method, device and storage medium - Google Patents
Premium payment processing method, device and storage medium Download PDFInfo
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- CN110163764B CN110163764B CN201910413532.0A CN201910413532A CN110163764B CN 110163764 B CN110163764 B CN 110163764B CN 201910413532 A CN201910413532 A CN 201910413532A CN 110163764 B CN110163764 B CN 110163764B
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Abstract
The embodiment of the application discloses a premium payment processing method, a device and a storage medium, wherein a premium payment request sent by an insurance client is received, and the premium payment request comprises the premium amount to be paid of a user to be insured to a target insurance product; obtaining the valuation insurance application amount of the user to be insured according to the attribute information of the user to be insured and the insurance valuation rule; and determining whether the premium amount to be paid is abnormal or not according to the premium amount to be paid and the valuation insurance application amount. When the amount of the premium to be paid is inconsistent with the amount of the valuation application, it can be determined that the amount of the premium to be paid is abnormal, thereby avoiding the problem of property loss of an insurance company and/or an application user caused by malicious tampering of the amount of the premium to be paid, and reducing the application of the application user.
Description
Technical Field
The embodiment of the application relates to the field of insurance, in particular to a premium payment processing method, a premium payment processing device and a storage medium.
Background
At present, with the development of society and the improvement of safety awareness of people, people gradually realize the importance of insurance, and more people join the line of buying insurance. Meanwhile, with the development of the network and the mobile terminal technology, the user can log in the related page through the mobile terminal to purchase insurance.
The short-term insurance of the mobile terminal is directly sold facing to the client, and the whole insurance process is carried out by charging firstly and then asynchronously. However, if the payment amount is tampered or the product pricing system is abnormal in the payment link, if a problem cannot be found in time, the product price paid by the user is inconsistent with the expected product price, so that property loss of companies or users is caused, and the problem of customer complaints is caused.
Disclosure of Invention
The embodiment of the application provides a method, a device and a storage medium for paying a premium, which are used for solving the problem that an insurance acceptance sign bill is generated due to abnormal product payment amount in the short-insurance mobile terminal selling process.
In a first aspect, an embodiment of the present application provides a premium payment processing method, including:
receiving a premium payment request sent by an insurance client, wherein the premium payment request comprises the premium amount to be paid of a user to be insured to a target insurance product, and the premium payment request is generated by the insurance client according to the premium payment operation of the user to be insured;
obtaining the valuation insurance application amount of the user to be insured according to the attribute information of the user to be insured and insurance valuation rules;
and determining whether the premium amount to be paid is abnormal or not according to the premium amount to be paid and the valuation insurance application amount.
In an implementation manner of the first aspect, the determining whether the premium amount to be paid is abnormal according to the premium amount to be paid and the valuation insurance premium amount includes:
and determining that the premium amount to be paid is abnormal according to the inconsistency between the premium amount to be paid and the valuation insurance premium amount.
In another implementation manner of the first aspect, after determining that the premium amount to be paid is abnormal according to inconsistency between the premium amount to be paid and the invoiced premium amount, the method further includes:
and sending an abnormal payment prompt page to the insurance client so that the insurance client displays the abnormal payment prompt page, wherein the abnormal payment prompt page is used for prompting that the premium payment of the user to be insured on the target insurance product is abnormal.
In another implementation manner of the first aspect, the determining whether the premium amount to be paid is abnormal according to the premium amount to be paid and the valuation insurance premium amount includes:
and when the premium amount to be paid is the same as the valuation insurance premium amount, determining whether the premium amount to be paid is abnormal or not according to the premium amount to be paid and a preset insurance premium amount list of the target insurance product.
In another implementation manner of the first aspect, the determining whether the premium amount to be paid is abnormal according to the premium amount to be paid and the preset premium amount list of the target premium product includes:
determining that the premium amount to be paid is abnormal according to the condition that the preset premium amount list does not comprise the premium amount to be paid;
wherein the preset premium amount list comprises various premium amounts to be applied to the target application product.
In another implementation manner of the first aspect, after determining that the premium amount to be paid is abnormal according to the fact that the preset premium amount list does not include the premium amount to be paid, the method further includes:
and sending a target insurance product sale stopping page to the insurance client so that the insurance client displays the target insurance product sale stopping page, wherein the target insurance product sale stopping page is used for prompting that the target insurance product is sold stopping.
In another implementation manner of the first aspect, after determining that the premium amount to be paid is abnormal according to the fact that the preset premium amount list does not include the premium amount to be paid, the method further includes:
and sending alarm information to communication equipment of maintenance personnel of the insurable product, wherein the alarm information is used for prompting that the preset pricing rule is not applicable to the target insurable product.
In a second aspect, an embodiment of the present application provides a premium payment processing apparatus, including:
the system comprises a receiving module, a payment module and a payment module, wherein the receiving module is used for receiving a premium payment request sent by an insurance client, the premium payment request comprises the premium amount to be paid by a user to be insured to a target insurance product, and the premium payment request is generated by the insurance client according to the premium payment operation of the user to be insured;
the obtaining module is used for obtaining the valuation insurance application amount of the user to be insured according to the attribute information of the user to be insured and the insurance valuation rule;
and the determining module is used for determining whether the premium amount to be paid is abnormal or not according to the premium amount to be paid and the valuation insurance application amount.
In an implementation manner of the second aspect, the determining module is specifically configured to determine that the premium amount to be paid is abnormal according to a discrepancy between the premium amount to be paid and the invoiced premium amount.
In another implementation manner of the second aspect, the apparatus further includes a sending module:
the sending module is used for sending an abnormal payment prompt page to the insurance client so that the insurance client can display the abnormal payment prompt page, and the abnormal payment prompt page is used for prompting that the premium payment of the user to be insured to the target insurance product is abnormal.
In another implementation manner of the second aspect, the determining module is specifically configured to determine whether the premium amount to be paid is abnormal according to the premium amount to be paid and a preset premium amount list of the target insurance product when the premium amount to be paid is the same as the valuation insurance amount.
In another implementation manner of the second aspect, the determining module is specifically configured to determine that the premium amount to be paid is abnormal according to the preset premium amount list not including the premium amount to be paid;
wherein the preset premium amount list comprises various premium amounts to be applied to the target application product.
In another implementation manner of the second aspect, the sending module is further configured to send a target insurance product sale stopping page to the insurance client, so that the insurance client displays the target insurance product sale stopping page, and the target insurance product sale stopping page is used for prompting that the target insurance product is sold stopping.
In another implementation manner of the second aspect, the sending module is further configured to send alarm information to a communication device of an insurance product maintainer, where the alarm information is used to prompt that the preset pricing rule is not applicable to the target insurance product.
In a third aspect, an electronic device in an embodiment of the present application includes: a memory and a processor;
the memory for storing a computer program;
a processor for executing the computer program to implement the premium payment processing method according to any one of the first aspect.
In a fourth aspect, an embodiment of the present application is a computer storage medium, in which a computer program is stored, and the computer program, when executed, implements the premium payment processing method according to any one of the first aspect.
In a fifth aspect, an embodiment of the present application is a computer program product, which includes a computer program stored in a readable storage medium, from which the computer program can be read by at least one processor of a premium payment processing apparatus, and the execution of the computer program by the at least one processor causes the premium payment processing apparatus to implement the premium payment processing method according to the first aspect.
The premium payment processing method, the device and the storage medium provided by the embodiment of the application receive a premium payment request sent by an insurance client, wherein the premium payment request comprises the premium amount to be paid by a user to be insured to a target insurance product, and the premium payment request is generated by the insurance client according to the premium payment operation of the user to be insured; obtaining the valuation insurance application amount of the user to be insured according to the attribute information of the user to be insured and the insurance valuation rule; and determining whether the premium amount to be paid is abnormal or not according to the premium amount to be paid and the valuation insurance application amount. When the amount of the premium to be paid is inconsistent with the amount of the valuation application, it can be determined that the amount of the premium to be paid is abnormal, thereby avoiding the problem of property loss of an insurance company and/or an application user caused by malicious tampering of the amount of the premium to be paid, and reducing the application of the application user.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and for those skilled in the art, other drawings can be obtained according to these drawings without inventive exercise.
FIG. 1 is a flow chart of a premium payment processing method provided in an embodiment of the present application;
fig. 2 is an application scenario diagram according to an embodiment of the present application;
FIG. 3 is another flow chart of a premium payment processing method provided in an embodiment of the present application;
FIG. 4 is a schematic diagram of a premium payment process provided by an embodiment of the present application;
FIG. 5 is a schematic diagram of a premium payment processing apparatus provided in an embodiment of the present application;
fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
At present, the mobile terminal sells insurance products, when the insurance products have wrong prices, the insurance products are often processed by intervention of operation and maintenance personnel, but the mobile terminal sells insurance products and has the following characteristics: the method has the characteristics of fast propagation path, simple and convenient payment process and the like, and when the price of the insurance product is wrong, the economic loss of the insurance company and/or the insurance users and the insurance dispute between the insurance company and the insurance users cannot be found in time.
In order to solve the above technical problem, in the premium payment processing method according to the embodiment of the application, the premium amount to be paid of the user to be insured is compared with the valuation insured amount to determine whether the premium amount to be paid is abnormal, and when the premium amount to be paid is abnormal, the loss can be timely stopped or the transaction can be stopped, so that the insurance dispute is avoided.
The technical solution of the present application will be described in detail below with specific examples. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments.
Fig. 1 is a flowchart of a premium payment processing method provided in an embodiment of the present application, and as shown in fig. 1, the method of the embodiment may include:
s101, receiving a premium payment request sent by an insurance client, wherein the premium payment request comprises the premium amount to be paid by a user to be insured to a target insurance product, and the premium payment request is generated by the insurance client according to the premium payment operation of the user to be insured.
The executing body of the embodiment is a device having a function of processing premium payment, such as premium payment processing, and the premium payment processing may be a separate electronic device, or may be a part of the electronic device, such as a processor in the electronic device.
The electronic device of this embodiment may be a User Equipment (UE), a Mobile Station (MS), a Mobile Terminal (MT), or the like, and is a device that provides voice/data connectivity to a user, for example, a handheld device with a wireless connection function, a vehicle-mounted device, or the like. Currently, some examples of electronic devices are: a mobile phone (mobile phone), a tablet computer, a notebook computer, a palm top computer, a Mobile Internet Device (MID), a wearable device, a Virtual Reality (VR) device, an Augmented Reality (AR) device, a wireless terminal in industrial control (industrial control), a wireless terminal in self driving (self driving), a wireless terminal in remote surgery (remote medical supply), a wireless terminal in smart grid (smart grid), a wireless terminal in transportation safety (smart security), a wireless terminal in city (smart city), a wireless terminal in home (smart home), and the like.
Fig. 2 is an application scenario diagram according to an embodiment of the present application, including: the system comprises a user terminal, an insurance pricing system and the premium payment processing device, wherein a client capable of purchasing insurance products is installed on user terminal equipment, and a user can purchase the insurance products required by the user through the client. The insurance pricing system is used for calculating the price of insurance products purchased by a user, and the user terminal, the insurance pricing system and the premium payment processing device are in communication connection with each other, for example, through wired connection or wireless connection through wifi, Bluetooth and the like.
Optionally, the client, the insurance pricing system and the premium payment processing device may be located in the same electronic device, for example, the insurance pricing system and the premium payment processing device are all integrated in the user terminal.
Optionally, one or more of the client, the insurance pricing system and the premium payment processing device are located in different electronic devices.
In practical application, a user purchases an insurance product at a client of a user terminal, at this time, the client generates a premium amount to be paid for the insurance product, and then, the user performs a payment operation on the premium amount to be paid to generate a premium payment request. The client transmits the premium payment request to the premium payment processing means. For example, suppose that a page of the client displays a plurality of insurance products, when a user wants to purchase an insurance product 1, the user can select the insurance product 1, click an order submission or the like, and then the client displays the price of the insurance product 1, that is, the premium amount to be paid for the insurance product 1. Then, the user performs a payment operation for the premium amount to be paid, generates a premium payment request, and transmits the premium payment request to the premium payment processing apparatus.
The premium amount to be paid is generated through the insurance system pricing system, specifically, the attribute information of the user to be insured is input into the client, the client sends the attribute information of the user to be insured to the insurance system pricing system, and the insurance system pricing system generates the premium amount to be paid according to the attribute information of the user to be insured and the product information of the target insurance product. The attribute information of the user to be insured may include at least one of the following: age, gender, occupation, health status, geographic location, etc.
However, during the payment process, the premium amount to be paid may be tampered with, thereby making the actual premium amount to be paid inconsistent with the price calculated by the insurance system pricing system.
In order to prevent the above problem, the premium payment processing means detects the premium amount to be paid to determine whether the premium amount to be paid is correct, without immediately completing the purchase of the target guaranteed product, upon receiving the premium payment request sent from the insurance client.
And S102, obtaining the valuation insurance application amount of the user to be insured according to the attribute information of the user to be insured and the insurance valuation rule.
In one example, the premium payment processing apparatus holds the insurance pricing rule itself, and the premium payment request further includes attribute information of the user to be insured. Thus, the premium payment processing device can obtain the valuation insurance application amount of the user to be insured according to the attribute information of the user to be insured and the insurance valuation rule.
In another example, the premium payment request further includes attribute information of the user to be insured, and the premium payment processing device sends the attribute information of the user to be insured to the insurance system pricing system, so that the insurance system pricing system generates the priced insurance application amount of the user to be insured according to the attribute information of the user to be insured and the insurance application pricing rule.
S103, determining whether the premium amount to be paid is abnormal or not according to the premium amount to be paid and the valuation insurance application amount.
According to the two steps, the premium payment processing device can obtain the premium amount to be paid of the target insurance product by the user to be insured and the valuation insurance amount of the target insurance product, and then, the premium amount to be paid and the valuation insurance amount are compared to determine whether the premium amount to be paid is abnormal.
In one example, the step S103 includes a step a:
and step A, determining that the premium amount to be paid is abnormal according to the inconsistency between the premium amount to be paid and the invoicing premium amount.
That is, when the premium amount to be paid is judged to be inconsistent with the invoiced premium amount according to the steps, the premium amount to be paid is possibly tampered, and the exception of the premium amount to be paid can be determined.
In some examples, after the step a, the method further includes a step B:
and step B, sending an abnormal payment prompt page to the insurance client so that the insurance client displays the abnormal payment prompt page, wherein the abnormal payment prompt page is used for prompting that the premium payment of the user to be insured on the target insurance product is abnormal.
Specifically, when it is determined that the premium amount to be paid is not consistent with the valuation insurance application amount, it may be determined that the premium amount to be paid is abnormal, and at this time, in order to inform the user to be insurance-applied in time, the premium payment processing apparatus may send an abnormal payment prompt page to the insurance application client. And after receiving the abnormal payment prompt page, the client displays the abnormal payment prompt page on the client, so that the user to be insured can obtain the premium payment of the target insured product through the abnormal payment prompt page and has abnormality.
The premium payment processing method provided by the embodiment of the application receives a premium payment request sent by an insurance client, wherein the premium payment request comprises the premium amount to be paid of a target insurance product by a user to be insured, and the premium payment request is generated by the insurance client according to the premium payment operation of the user to be insured; obtaining the valuation insurance application amount of the user to be insured according to the attribute information of the user to be insured and the insurance valuation rule; and determining whether the premium amount to be paid is abnormal or not according to the premium amount to be paid and the valuation insurance application amount. When the amount of the premium to be paid is inconsistent with the amount of the valuation application, it can be determined that the amount of the premium to be paid is abnormal, thereby avoiding the problem of property loss of an insurance company and/or an application user caused by malicious tampering of the amount of the premium to be paid, and reducing the application of the application user.
Fig. 3 is another flowchart of a premium payment processing method provided in the embodiment of the present application, and based on the above embodiment, the method of the embodiment of the present application includes:
s201, receiving a premium payment request sent by an insurance client, wherein the premium payment request comprises the premium amount to be paid of a user to be insured to a target insurance product, and the premium payment request is generated by the insurance client according to the premium payment operation of the user to be insured;
s202, acquiring the valuation insurance application amount of the user to be insured according to the attribute information of the user to be insured and insurance valuation rules;
s203, judging whether the premium amount to be paid is consistent with the valuation insurance application amount;
if the two are consistent, step S204 is executed, and if the two are not consistent, steps S205 to S207 are executed.
And S204, sending an abnormal payment prompt page to the insurance client so that the insurance client displays the abnormal payment prompt page, wherein the abnormal payment prompt page is used for prompting that the premium payment of the user to be insured to the target insurance product is abnormal.
The steps S201 to S204 may refer to the description of the above embodiments, and are not described herein again.
S205, determining whether the premium amount to be paid is abnormal according to the premium amount to be paid and the preset premium amount list of the target insurance product.
If the premium amount to be paid is abnormal, the following steps of S206 and S207 are performed.
In step S203, it is determined whether the insurance system charging system is abnormal or not after determining that the premium amount to be paid and the charged insurance amount are consistent.
The premium amount list can be preset before the insurance product is on line, if the premium amount is a fixed premium, the insurance product is priced directly, and the premium list is set for non-fixed premium. The list of said predetermined premium amounts is maintained in a database, storing rules: product code, quota premium/premium list, where product code is the only primary key constraint. When a project is started, a preset premium amount list configured for each insurance product stored in a database is stored in a memory of a cache server, for example, in redis (which is an open-source memory data structure storage and is used as a database), membercache (which is a high-performance distributed memory object cache system and is used for reducing database load and improving access speed in dynamic application) and the like, so that the verification efficiency is improved, and the IO operation times of a disk are reduced.
When the premium payment processing device judges that the premium amount to be paid is consistent with the valuation insurance amount, a preset premium amount list is obtained, and the premium amount to be paid is compared with the preset premium amount list of the target insurance product to determine whether the premium amount to be paid is abnormal.
In one example, the step S205 includes a step C:
step C, determining that the premium amount to be paid is abnormal according to the condition that the preset premium amount list does not comprise the premium amount to be paid;
wherein the preset premium amount list comprises various premium amounts to be applied to the target application product.
As can be seen from the above, the preset premium amount list is predetermined, and various premium amounts to be applied to the target product to be applied are stored in the preset premium amount list.
Thus, the premium amount to be paid can be compared with various premium amounts in the preset premium amount list one by one, when the premium amount consistent with the premium amount to be paid exists in the preset premium amount list, the premium amount to be paid is determined to be normal, and when the premium amount consistent with the premium amount to be paid does not exist in the preset premium amount list, the premium amount to be paid is determined to be abnormal.
Optionally, in this step, whether the premium amount to be paid exists in the preset premium amount list of the target premium product may be determined by using an Aspect principle of Spring AOP (Aspect Oriented Programming).
According to the steps, if the preset premium amount list comprises the premium amount to be paid, the normal premium amount to be paid is determined. And under the condition that the premium amount to be paid is normal, the client finishes the payment operation of the premium amount to be paid.
S206, sending a target insurance product sale stopping page to the insurance client so that the insurance client displays the target insurance product sale stopping page, wherein the target insurance product sale stopping page is used for prompting that the target insurance product is sold stopping.
According to the above step S205, when there is no premium amount matching the premium amount to be paid in the preset premium amount list, it is indicated that there is an abnormality in the insurance system charging system, and although the charged amount generated by the insurance system charging system is identical to the premium amount to be paid, the premium amount to be paid is different from the premium amount in the preset premium amount list.
At this time, in order to prevent the generation of the wrong insurance policy, a target insurance product sale stopping page is transmitted to the insurance client so that the insurance client displays the target insurance product sale stopping page, and the target insurance product sale stopping page is used for prompting that the target insurance product is sold stopping.
Further, when the insurance system pricing system is abnormal, the sale of all insurance products can be stopped.
And S207, sending alarm information to communication equipment of insurance product maintainers, wherein the alarm information is used for prompting that the preset pricing rule is not applicable to the target insurance product.
According to the step S205, when it is determined that the insurance system pricing system is abnormal, in order to maintain the insurance system pricing system in time, an alarm message may be sent to a communication device of a backend insurance product maintainer, where the alarm message is used to prompt that the preset pricing rule is not applicable to the target insurance product. So that the insurance product maintainer can maintain the insurance system pricing system in time and guarantee the normal operation of insurance sales.
It should be noted that the steps of S206 and S207 have no sequential relationship, that is, S206 may be executed before S207, after S207, or simultaneously with S207.
In the embodiment of the application, whether the premium amount to be paid is consistent with the valuation insurance amount is judged, and if not, the exception of the premium amount to be paid is determined. And if the premium amount to be paid is consistent with the valuation insurance amount, judging whether the preset premium amount list comprises the premium amount to be paid, and if the preset premium amount list comprises the premium amount to be paid, indicating that the premium amount to be paid is normal. If the premium amount to be paid is not included in the preset premium amount list, the abnormal premium amount to be paid is indicated, so that the accurate judgment of the premium amount to be paid is realized, the abnormal premium amount to be paid caused by malicious tampering of the premium amount to be paid is avoided, the abnormal premium amount to be paid caused by the abnormal pricing system of the insurance system is avoided, the safety and the correctness of insurance sales are improved, the property loss of insurance companies and users is effectively avoided, the complaint of the users is reduced, and the real-time monitoring of the pricing system of the insurance system is realized.
Those of ordinary skill in the art will understand that: all or part of the steps for implementing the method embodiments may be implemented by hardware related to program instructions, and the program may be stored in a computer readable storage medium, and when executed, the program performs the steps including the method embodiments; and the aforementioned storage medium includes: various media that can store program codes, such as ROM, RAM, magnetic or optical disks.
Fig. 4 is a schematic diagram of a premium payment processing apparatus according to an embodiment of the present application, and as shown in fig. 4, the premium payment processing 100 includes:
the system comprises a receiving module 110, a payment module and a payment module, wherein the receiving module 110 is used for receiving a premium payment request sent by an insurance client, the premium payment request comprises the premium amount to be paid by a user to be insured to a target insurance product, and the premium payment request is generated by the insurance client according to the premium payment operation of the user to be insured;
an obtaining module 120, configured to obtain a valuation and an insurance premium of the user to be insured according to the attribute information of the user to be insured and the insurance valuation rule;
the determining module 130 is configured to determine whether the premium amount to be paid is abnormal according to the premium amount to be paid and the invoiced amount.
The premium payment processing apparatus of this embodiment may be configured to execute the technical solutions of the above method embodiments, and the implementation principle and the technical effect thereof are similar, and are not described herein again.
In a possible implementation manner, the determining module 130 is specifically configured to determine that the premium amount to be paid is abnormal according to the inconsistency between the premium amount to be paid and the invoiced premium amount.
Fig. 5 is a schematic diagram of a premium payment processing apparatus according to an embodiment of the present application, and as shown in fig. 5, the premium payment processing apparatus 100 further includes: the sending module 140:
the sending module 140 is configured to send an abnormal payment prompt page to the application client, so that the application client displays the abnormal payment prompt page, where the abnormal payment prompt page is used to prompt that the premium payment of the user to be applied to the target application product is abnormal.
In a possible implementation manner, the determining module 130 is specifically configured to determine whether the premium amount to be paid is abnormal according to the premium amount to be paid and the preset premium amount list of the target insurance product when the premium amount to be paid is the same as the valuation insurance amount.
In another possible implementation manner, the determining module 130 is specifically configured to determine that the premium amount to be paid is abnormal according to that the preset premium amount list does not include the premium amount to be paid;
wherein the preset premium amount list comprises various premium amounts to be applied to the target application product.
In another possible implementation manner, the sending module 140 is further configured to send a target insurance product sale stopping page to the insurance client, so that the insurance client displays the target insurance product sale stopping page, and the target insurance product sale stopping page is used to prompt that the target insurance product is sold stopping.
In another possible implementation manner, the sending module 140 is further configured to send alarm information to a communication device of an insurance product maintainer, where the alarm information is used to prompt that the preset pricing rule is not applicable to the target insurance product.
The premium payment processing apparatus of this embodiment may be configured to execute the technical solutions of the above method embodiments, and the implementation principle and the technical effect thereof are similar, and are not described herein again.
Fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present application, and as shown in fig. 6, an electronic device 200 according to the present embodiment includes:
a memory 210 for storing a computer program;
the processor 220 is configured to execute the computer program to implement the premium payment processing method, which has similar implementation principles and technical effects, and is not described herein again.
Based on such understanding, the technical solution of the present application may be substantially implemented or contributed by the prior art, or all or part of the technical solution may be embodied in a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a personal computer, a server, a network device, or the like) or a processor (processor) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk, or an optical disk.
In the above embodiments, the implementation may be wholly or partially realized by software, hardware, firmware, or any combination thereof. When implemented in software, may be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When loaded and executed on a computer, cause the processes or functions described in accordance with the embodiments of the application to occur, in whole or in part. The computer may be a general purpose computer, a special purpose computer, a network of computers, or other programmable device. The computer instructions may be stored in a computer readable storage medium or transmitted from one computer readable storage medium to another, for example, from one website site, computer, server, or data center to another website site, computer, server, or data center via wired (e.g., coaxial cable, fiber optic, Digital Subscriber Line (DSL)) or wireless (e.g., infrared, wireless, microwave, etc.). The computer-readable storage medium can be any available medium that can be accessed by a computer or a data storage device, such as a server, a data center, etc., that incorporates one or more of the available media. The usable medium may be a magnetic medium (e.g., floppy Disk, hard Disk, magnetic tape), an optical medium (e.g., DVD), or a semiconductor medium (e.g., Solid State Disk (SSD)), among others.
Finally, it should be noted that: the above embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present application.
Claims (7)
1. A premium payment processing method, comprising:
receiving a premium payment request sent by an insurance client, wherein the premium payment request comprises the premium amount to be paid of a user to be insured on a target insurance product and attribute information of the user to be insured, and the premium payment request is generated by the insurance client according to the premium payment operation of the user to be insured;
obtaining the valuation insurance application amount of the user to be insured according to the attribute information of the user to be insured and insurance valuation rules;
determining whether the premium amount to be paid is abnormal or not according to the premium amount to be paid and the valuation insurance application amount;
when the premium amount to be paid is the same as the valuation insurance premium amount, determining that the premium amount to be paid is abnormal according to the condition that a preset premium amount list does not comprise the premium amount to be paid, wherein the preset premium amount list comprises various premium amounts to be applied to the target insurance product;
and sending a target insurance product sale stopping page to the insurance client so that the insurance client displays the target insurance product sale stopping page, wherein the target insurance product sale stopping page is used for prompting that the target insurance product is sold stopping.
2. The method of claim 1, wherein said determining whether the premium amount to be paid is abnormal based on the premium amount to be paid and the wager amount comprises:
and determining that the premium amount to be paid is abnormal according to the inconsistency between the premium amount to be paid and the valuation insurance premium amount.
3. The method of claim 2, wherein after determining that the premium amount to be paid is abnormal based on the discrepancy between the premium amount to be paid and the wager amount, the method further comprises:
and sending an abnormal payment prompt page to the insurance client so that the insurance client displays the abnormal payment prompt page, wherein the abnormal payment prompt page is used for prompting that the premium payment of the user to be insured on the target insurance product is abnormal.
4. The method of claim 1, wherein upon determining that the premium amount to be paid is abnormal, the method further comprises, after determining that the premium amount to be paid is not included in the list of pre-set premium amounts:
and sending alarm information to communication equipment of maintenance personnel of the insurable product, wherein the alarm information is used for prompting that a preset pricing rule is not applicable to the target insurable product.
5. A premium payment processing apparatus, comprising:
the system comprises a receiving module, a processing module and a processing module, wherein the receiving module is used for receiving a premium payment request sent by an insurance client, the premium payment request comprises the premium amount to be paid by a user to be insured to a target insurance product and attribute information of the user to be insured, and the premium payment request is generated by the insurance client according to the premium payment operation of the user to be insured;
the obtaining module is used for obtaining the valuation insurance application amount of the user to be insured according to the attribute information of the user to be insured and the insurance valuation rule;
the determining module is used for determining whether the premium amount to be paid is abnormal or not according to the premium amount to be paid and the valuation insurance application amount;
the determining module is specifically used for determining whether the premium amount to be paid is abnormal or not according to the premium amount to be paid and a preset premium amount list of the target guaranteed product when the premium amount to be paid is the same as the valuation guarantee amount;
the determining module is specifically configured to determine that the premium amount to be paid is abnormal according to the fact that the preset premium amount list does not include the premium amount to be paid, wherein the preset premium amount list includes various premium amounts to be paid for the target insurance product;
and the sending module is used for sending a target insurance product sale stopping page to the insurance client so that the insurance client displays the target insurance product sale stopping page, and the target insurance product sale stopping page is used for prompting that the target insurance product is sold stopping.
6. An electronic device, comprising:
a memory for storing a computer program;
a processor for executing the computer program to implement the premium payment processing method of any one of the above claims 1 to 4.
7. A computer storage medium, characterized in that the storage medium has stored therein a computer program which, when executed, implements a premium payment processing method according to any one of claims 1 to 4.
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| CN201910413532.0A CN110163764B (en) | 2019-05-17 | 2019-05-17 | Premium payment processing method, device and storage medium |
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| CN112069385B (en) * | 2020-09-04 | 2023-09-22 | 中国平安人寿保险股份有限公司 | Policy data processing method, equipment, server and storage medium |
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| CN107665431A (en) * | 2016-08-23 | 2018-02-06 | 平安科技（深圳）有限公司 | Fund audit method and apparatus |
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| CN101192290A (en) * | 2006-11-23 | 2008-06-04 | 阿里巴巴公司 | System and method for secure network transaction |
| CN103034942B (en) * | 2012-12-05 | 2015-12-02 | 北京奇虎科技有限公司 | For the method and system of network payment |
| CN105989471B (en) * | 2015-03-03 | 2021-02-09 | 中兴通讯股份有限公司 | Method for realizing secure payment, mobile terminal and payment authentication server |
| CN107153961B (en) * | 2017-05-18 | 2020-11-13 | 努比亚技术有限公司 | Payment method, payment server, transaction server and readable storage medium |
| CN109146440B (en) * | 2017-06-16 | 2020-06-05 | 腾讯科技（深圳）有限公司 | Transaction settlement method, device, server and storage medium |
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| CN105844527A (en) * | 2016-03-18 | 2016-08-10 | 深圳市前海安测信息技术有限公司 | Medical insurance premium discount actuarial system and method |
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