CN111127217B

CN111127217B - Policy data processing system, method, device, medium and electronic equipment

Info

Publication number: CN111127217B
Application number: CN201911105770.1A
Authority: CN
Inventors: 程战战
Original assignee: Taikang Insurance Group Co Ltd; Taikang Online Property Insurance Co Ltd
Current assignee: Taikang Insurance Group Co Ltd; Taikang Online Property Insurance Co Ltd
Priority date: 2019-11-13
Filing date: 2019-11-13
Publication date: 2023-05-09
Anticipated expiration: 2039-11-13
Also published as: CN111127217A

Abstract

The invention provides a policy data processing system, a policy data processing method, a policy data processing device, a policy data processing medium and electronic equipment, and relates to the technical field of data processing. The policy data processing system includes: the insurance system is used for acquiring the insurance policy data of the insurance policy; the financial system is used for acquiring the data of the policy, which is required to be charged, of the policy; a balance clearing platform comprising: the data searching server is used for generating a premium debit list and a premium credit list which are required to be received in a preset period according to the policy data and the premium data of the policy; the balance generation server is used for generating a premium balance list which can be received in a preset period according to the premium debit list and the premium credit list; and the data storage server is used for storing the balance list of the chargeable premium in a preset period. The technical scheme provided by the invention can obtain accurate balance of the chargeable premium in time.

Description

Policy data processing system, method, device, medium and electronic equipment

Technical Field

The present invention relates to the field of data processing technologies, and in particular, to a policy data processing system, method, device, medium, and electronic apparatus.

Background

At present, the internet insurance business field needs to periodically carry out clearing on the balance of the corresponding premium, and accurately obtains the balance of the corresponding premium monthly, which is a very complex calculation work.

The following problems are mainly encountered in the process of calculating the balance of the premium to be charged, firstly, the data volume is too large, and the Internet insurance generates a massive insurance policy every day, on one hand, the insurance policy has long time span, and on the other hand, the insurance policy has rolling data volume every month; secondly, errors are easy to occur in the calculation process, and the problems that various payment modes exist for the chargeable insurance fee of the insurance policy, and account drawing is performed across rows, account arriving is performed across days and the like are also caused; thirdly, the development of the internet insurance service scene is fast, and the situation is mainly characterized in that the service scene is rich and changed continuously, so that the old balance is difficult to be found out by a new program.

Therefore, accurate calculation of the balance of the premium to be charged is required to technically provide a guarantee and support.

It should be noted that the information of the present invention in the above background section is only for enhancing the understanding of the background of the present invention and thus may include information that does not form the prior art that is already known to those of ordinary skill in the art.

Disclosure of Invention

The invention provides a policy data processing method, a policy data processing device, a policy data processing medium and electronic equipment, which are used for solving the problem that the balance of the chargeable premium is difficult to accurately calculate.

Other features and advantages of the invention will be apparent from the following detailed description, or may be learned by the practice of the invention.

According to one aspect of the present invention, there is provided a policy data processing system comprising:

the insurance system is used for acquiring the insurance policy data of the insurance policy, wherein the insurance policy data comprises an insurance policy number, insurance policy and insurance policy state;

a financial system for acquiring premium data of the policy, wherein the premium data comprises: the insurance policy number, the department of the chargeable insurance policy, the amount of the chargeable insurance policy, the receipt number and the insurance underwriting number, wherein the department of the chargeable insurance policy represents the payment mode of the chargeable insurance policy;

a balance clearing platform comprising:

the data searching server is used for establishing a mapping of balance data in a preset period according to the policy data and the policy data to be charged of the policy, generating a policy list table, a manual accounting voucher table and a voucher list table, adjusting the accounting voucher table and the voucher list table and an accounting voucher blacklist table, and generating a policy debit list and a policy credit list to be charged in the preset period;

the balance generation server is used for generating a premium balance list in the preset period according to the premium debit list and the premium credit list;

And the data storage server is used for storing the balance list of the chargeable premium in the preset period.

In one embodiment, the data lookup server is configured to:

if the normal policy is contracted, the data of the charge to be paid is used as the data of a borrower and is recorded in a policy list table of the borrower, and the policy list table of the borrower records the contract number and the data of the charge to be paid;

if the receipt is confirmed, the data of the premium to be received is used as credit data and is recorded in a credit policy list table, and the credit policy list table records the receipt number and the data of the premium to be received;

if the establishment time of the receipt number in the data of the chargeable insurance policy is earlier than the underwriting start time of the insurance policy, the data of the chargeable insurance policy is used as lender data and recorded in a lender insurance policy list table;

if the premium to be charged in the premium data is in a payment state, the premium to be charged data is used as credit data and is recorded in a credit manual accounting voucher table;

if the payment mode recorded by the chargeable insurance policy in the chargeable insurance policy data is different from the payment mode used by the insurance policy for paying the insurance policy, and an error chargeable insurance policy is caused, the chargeable insurance policy corresponding to the error chargeable insurance policy is recorded in a credit adjustment accounting voucher table as credit data, and the chargeable insurance policy corresponding to the corresponding correct chargeable insurance policy is recorded in a debit adjustment accounting voucher table as debit data;

If the payment mode recorded by the chargeable premium in the chargeable premium data is different from the payment mode used by the underwriter to pay the underwriter, and an error chargeable premium subject occurs, the chargeable premium data corresponding to the error chargeable subject is recorded in the debit adjustment accounting voucher table as debit data, and the chargeable premium data corresponding to the corresponding correct chargeable premium subject is recorded in the credit adjustment accounting voucher table as credit data;

if the payment mode recorded by the chargeable premium in the chargeable premium data is missing in the underwriting process, the chargeable premium data is used as debit data and is recorded in the debit adjustment accounting voucher table;

if the payment mode recorded by the chargeable premium in the chargeable premium data is missing during payment, the chargeable premium data is used as debit data and is recorded in the credit adjustment accounting voucher table;

if the payment mode recorded by the chargeable premium in the chargeable premium data in the underwriting process is the same as the payment mode used by the underwriting person to pay the underwriting deposit, the chargeable premium data is used as debit data and recorded in the debit policy list table;

If the payment mode recorded when the premium to be paid in the premium data is collected is the same as the payment mode used by the underwriter to pay the underwriter, the premium to be paid data is used as credit data and is recorded in the credit policy list table;

and if the underwriting state in the policy data of the policy is refund, taking the data of the policy which is required to be charged and corresponds to the policy as credit data, and recording the data in the credit policy list table.

In one embodiment, the balance generating server is configured to verify the premium debit list and the premium credit list according to the voucher number; if the verification is inconsistent, prompting the credential number; comparing the amount of the premium to be charged in the premium borrowing list with the amount of the premium to be charged in the premium lending list, and deleting the data corresponding to the certificate number from the premium borrowing list and the premium lending list if the amount is equal; the chargeable premium balance list comprises: the insurance policy number, the collection voucher number, the underwriting voucher number, the subject who should pay the premium, the amount of premium, billing time and a sign, wherein the sign is used for distinguishing lender data and borrower data.

According to another aspect of the present invention, there is provided a policy data processing method including:

acquiring policy data of a policy from an insurance system, wherein the policy data comprises a policy number, a policy bearing and a policy bearing state;

acquiring premium data of the policy from a financial system, wherein the premium data comprises: the insurance policy number, the department of the premium, the amount of the premium, the receipt number of the certificate and the insurance underwriting number, wherein the department of the premium represents the payment mode of the premium;

establishing a mapping of balance data in a preset period according to the policy data and the chargeable policy data of the policy, generating a policy list table, a manual accounting voucher table and a voucher list table, adjusting an accounting voucher table and a voucher list table and an accounting voucher black list table, and generating a chargeable policy debit list and a chargeable policy credit list in the preset period, wherein the chargeable policy debit list and the chargeable policy credit list comprise a voucher number, a premium amount, a payment mode, a service channel and time;

generating a premium balance list in the preset period according to the premium debit list and the premium credit list;

And storing a balance list of the chargeable premium in the preset period.

In one embodiment, creating a map of balance data within a predetermined period from policy data and premium data of the policy, creating a policy inventory table, a manual billing voucher table and voucher inventory table, adjusting a billing voucher table and voucher inventory table, and a billing voucher blacklist, and creating a premium debit to be charged and a premium credit to be charged within the predetermined period includes:

In one embodiment, generating the premium debit list and the premium credit list for the predetermined period includes:

generating the receivable Fei Jiefang list according to the debit policy list table and the debit adjustment billing voucher table;

And generating the credit list of the chargeable insurance fee according to the credit policy list table, the credit adjustment accounting voucher table and the credit manual accounting voucher table.

In one embodiment, generating the premium balance list for the predetermined period from the premium debit list and the premium credit list includes:

verifying the premium debit list and the premium credit list according to the certificate number; if the verification is inconsistent, prompting the credential number;

comparing the amount of the premium to be charged in the premium borrowing list with the amount of the premium to be charged in the premium lending list, and deleting the data corresponding to the certificate number from the premium borrowing list and the premium lending list if the amount is equal;

the chargeable premium balance list comprises: the insurance policy number, the collection voucher number, the underwriting voucher number, the subject who should pay the premium, the amount of premium, billing time and a sign, wherein the sign is used for distinguishing lender data and borrower data.

In one embodiment, the method further comprises: and merging the data in the balance list of the charge to be guaranteed in the last preset period into the balance list of the charge to be guaranteed in the preset period, and deleting the data of the charge to be guaranteed corresponding to the policy number from the balance list of the charge to be guaranteed in a plurality of preset periods if the credit data of the balance list of the charge to be guaranteed is identical to the policy number of the borrower data and the charge to be guaranteed.

According to another aspect of the present invention, there is provided a computer readable medium having stored thereon a computer program, characterized in that the program, when executed by a processor, implements a policy data processing method according to any of the embodiments described above.

According to another aspect of the present invention, there is provided an electronic apparatus, comprising: one or more processors; and a storage device for storing one or more programs, which when executed by the one or more processors, cause the one or more processors to implement the policy data processing method according to any one of the above embodiments.

The technical scheme provided by the embodiment of the invention can have the following beneficial effects:

the invention provides a policy data processing method, which is based on policy data and premium data in a preset period, and a debit list and a credit list are generated, so that a premium list in the preset period is obtained, and the accurate premium balance can be obtained through the technical method.

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 evident that the drawings in the following description are only some embodiments of the present invention and that other drawings may be obtained from these drawings without inventive effort for a person of ordinary skill in the art.

FIG. 1 is a schematic diagram of a policy data processing system in an embodiment of the invention;

FIG. 2A is a schematic diagram of a policy data processing method according to an embodiment of the present invention;

FIG. 2B is a schematic diagram illustrating a policy data processing method according to an embodiment of the present invention;

FIG. 3 shows a block diagram of a policy data processing device in an embodiment of the invention;

fig. 4 shows a schematic diagram of a computer system suitable for use in implementing an embodiment of the invention.

Detailed Description

Example embodiments will now be described more fully with reference to the accompanying drawings. However, the exemplary embodiments may be embodied in many 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 the 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 give 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, etc. In other instances, well-known methods, devices, implementations, or operations are not shown or described in detail to avoid obscuring aspects of the invention.

The block diagrams depicted in the figures are merely functional entities and do not necessarily correspond to physically separate entities. That is, the functional entities may be implemented in software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor devices and/or microcontroller devices.

The flow diagrams depicted in the figures are exemplary only, and do not necessarily include all of the elements and operations/steps, nor must they 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 order of actual execution may be changed according to actual situations.

The inventor of the present disclosure found that the following difficulties exist in calculating the balance of the premium to be charged in the field of internet insurance business:

1. the amount of data resulting from the long time span is too large. Conceptually, the policy will always appear in the list of chargeable balances as long as the policy does not acknowledge the payment. For example: if the settlement is omitted for the first policy 3 years, the policy is always in the balance list of the premium to be charged, and the policy cannot be self-healed. The data range of the policy spans 3 years, possibly involving hundreds of millions of policy data.

2. The amount of data to scroll per month is too large. The balance list of the premium is settled on a monthly basis, and millions to tens of millions of policy data are available on each month. The data is easy to be processed by hundreds of millions of people in a cumulative way, and the system is very slow to process.

3. There are too many scenes in which errors occur. No service system can have zero error, and data has error condition. In internet insurance, the premium is divided into a number of subjects, i.e. a number of "categories", such as: the premium-gateway 1, the premium-gateway 2, the premium-channel 1 and the premium-channel 2 should be charged. Once the channel number is recorded incorrectly or the payment mode is recorded incorrectly, the premium is paid, and one subject cannot be deducted, and the other subject is negative. Accounting vouchers of finance cannot be modified, must be processed through "offset" and whenever offset, the balance list must be consistent with the accounting bill before and after offset, and the system design difficulty is great.

4. Business scenarios are constantly rich and changing, resulting in difficulty in finding the old balance list of the premium to be charged. The internet insurance is developed continuously in morphology, the corresponding relation between the design financial data and the business data is required to be continuously changed, and the new corresponding relation is possibly not suitable for business scenes 3 years ago, so that the previous premium balance list can not be calculated.

The common calculation method of the balance list of the charge and the payment is to add a plurality of states of judgment in the list of the charge and the payment in the list of the insurance, thus being difficult to adapt to the development of the internet insurance. Sometimes the difference between the balance list and the actual account can reach tens of millions of yuan or can not be generated at all. Causing great trouble to the normal operation of the company.

FIG. 1 is a schematic diagram of a policy data processing system according to an embodiment of the invention. Referring to fig. 1, the system includes: an insurance system 11 for acquiring policy data of a policy, wherein the policy data includes a policy number, a policy and a policy status; a financial system 12 for acquiring premium data for the policy, wherein the premium data comprises: the insurance policy number, the department of the chargeable insurance policy, the amount of the chargeable insurance policy, the receipt number and the insurance underwriting number, wherein the department of the chargeable insurance policy represents the payment mode of the chargeable insurance policy; a balance clearing platform 13, the balance clearing platform 13 comprising: the data lookup server 131 is configured to create a mapping of balance data in a predetermined period according to policy data and policy data to be charged of the policy, generate a policy list table, a manual accounting voucher table and a voucher list table, adjust an accounting voucher table and a voucher list table, and generate a policy debit list and a policy credit list to be charged in the predetermined period; a balance generation server 132 for generating a premium balance list in the predetermined period from the premium debit list and the premium credit list; and a data storage server 133 for storing the list of chargeable balances within the predetermined period.

In the above embodiment, the predetermined period may be one or more weeks, one month, one quarter, several months, or one year. In one embodiment, the data lookup server and balance generation server and data storage server may be located on the same server or served by different servers in the same server cluster.

In one embodiment, the data lookup server 131 is configured to perform the following: if the normal policy is contracted, the data of the charge to be paid is used as the data of a borrower and is recorded in a policy list table of the borrower, and the policy list table of the borrower records the contract number and the data of the charge to be paid; if the receipt is confirmed, the data of the premium to be received is used as credit data and is recorded in a credit policy list table, and the credit policy list table records the receipt number and the data of the premium to be received; if the establishment time of the receipt number in the data of the chargeable insurance policy is earlier than the underwriting start time of the insurance policy, the data of the chargeable insurance policy is used as lender data and recorded in a lender insurance policy list table; if the premium to be charged in the premium data is in a payment state, the premium to be charged data is used as credit data and is recorded in a credit manual accounting voucher table; if the payment mode recorded by the chargeable insurance policy in the chargeable insurance policy data is different from the payment mode used by the insurance policy for paying the insurance policy, and an error chargeable insurance policy is caused, the chargeable insurance policy corresponding to the error chargeable insurance policy is recorded in a credit adjustment accounting voucher table as credit data, and the chargeable insurance policy corresponding to the corresponding correct chargeable insurance policy is recorded in a debit adjustment accounting voucher table as debit data; if the payment mode recorded by the chargeable premium in the chargeable premium data is different from the payment mode used by the underwriter to pay the underwriter, and an error chargeable premium subject occurs, the chargeable premium data corresponding to the error chargeable subject is recorded in the debit adjustment accounting voucher table as debit data, and the chargeable premium data corresponding to the corresponding correct chargeable premium subject is recorded in the credit adjustment accounting voucher table as credit data; if the payment mode recorded by the chargeable premium in the chargeable premium data is missing in the underwriting process, the chargeable premium data is used as debit data and is recorded in the debit adjustment accounting voucher table; if the payment mode recorded by the chargeable premium in the chargeable premium data is missing during payment, the chargeable premium data is used as debit data and is recorded in the credit adjustment accounting voucher table; if the payment mode recorded by the chargeable premium in the chargeable premium data in the underwriting process is the same as the payment mode used by the underwriting person to pay the underwriting deposit, the chargeable premium data is used as debit data and recorded in the debit policy list table; if the payment mode recorded when the premium to be paid in the premium data is collected is the same as the payment mode used by the underwriter to pay the underwriter, the premium to be paid data is used as credit data and is recorded in the credit policy list table; and if the underwriting state in the policy data of the policy is refund, taking the data of the policy which is required to be charged and corresponds to the policy as credit data, and recording the data in the credit policy list table.

In one embodiment, the balance generation server 132 is configured to verify the premium debit list and the premium credit list based on a credential number; if the verification is inconsistent, prompting the credential number; comparing the amount of the premium to be charged in the premium borrowing list with the amount of the premium to be charged in the premium lending list, and deleting the data corresponding to the certificate number from the premium borrowing list and the premium lending list if the amount is equal; the chargeable premium balance list comprises: the insurance policy number, the collection voucher number, the underwriting voucher number, the subject who should pay the premium, the amount of premium, billing time and a sign, wherein the sign is used for distinguishing lender data and borrower data.

Fig. 2A is a schematic structural diagram of a policy data processing method according to an embodiment of the present invention. Referring to fig. 2A, the method includes the steps of:

step S101, acquiring policy data of a policy from an insurance system, wherein the policy data comprises a policy number, a policy and a policy state.

Step S102, acquiring premium data of the policy from a financial system, wherein the premium data comprises: the policy number, the subject to be charged, the amount of the charge to be charged, the receipt number and the underwriting number, wherein the subject to be charged represents the payment mode of the charge to be charged.

Step S103, a mapping of balance data in a preset period is established according to the policy data and the chargeable policy data of the policy, a policy list table, a manual accounting voucher table and a voucher list table are generated, an accounting voucher table and a voucher list table are adjusted, and an accounting voucher blacklist table is generated, and a chargeable policy debit list and a chargeable policy credit list in the preset period are generated, wherein the chargeable policy debit list and the chargeable policy credit list comprise a voucher number, a premium amount, a payment mode, a service channel and time.

Step S104, generating a list of the balance of the chargeable insurance in the preset period according to the list of the borrower of the chargeable insurance and the list of the lender of the chargeable insurance.

Step S105, storing a balance list of the chargeable insurance policy in the preset period.

In the above embodiment, the predetermined period may be one or more weeks, one month, one quarter, several months, or one year.

Fig. 2B is a schematic structural diagram of a policy data processing method according to an embodiment of the present invention. Referring to fig. 2B, the policy data processing method includes the following steps.

Step S201, acquiring policy data of a policy from an insurance system. Wherein, the policy data includes: number of policy, and status of policy.

Step S202, the chargeable data of the policy is obtained from the financial system. Wherein the chargeable premium data includes: the policy number, the subject to be charged, the amount of the charge to be charged, the receipt number and the underwriting number, wherein the subject to be charged represents the payment mode of the charge to be charged. Wherein the receipt voucher number is a voucher issued when the finance is receipt, and the underwriting voucher number is a voucher issued when the underwriting person underwritten payment. The collection voucher number belongs to the lender data and the underwriting voucher number belongs to the debit data.

In step S203, the policy data of the policy is determined to be in the normal underwriting stage by comparing the policy data of the policy with the corresponding chargeable policy data, and the chargeable policy data of the policy is divided into debit data and credit data.

In one embodiment, if the policy is normally contracted, the data about the premium to be charged is recorded as the debit data in a debit policy list table, which records the contract certificate number and the data about the premium to be charged.

In one embodiment, if the receipt is confirmed, the premium data is recorded as credit data in a credit policy list table that records the receipt voucher number and the premium data.

In one embodiment, if the receipt number or the underwriting number in the premium data cannot be found in the policy data, the policy is determined to be in an abnormal underwriting state. I.e. there is a credential number in the financial system, but no corresponding business data is found. In this case, when the balance of the premium to be charged is calculated, the certificate number corresponding to the policy number is deleted, the next processing is not performed on the certificate number, and the data corresponding to the policy number can be selected to be initialized and removed at a certain time point.

In one embodiment, after determining that the policy is in the normal underwriting stage, the specific condition of the policy is analyzed to divide the chargeable data of the policy into debit data and credit data, and then the next processing is performed. Because of the particularities of insurance business, the particular situation of the policy is complex, so the debit or credit data will be recorded in different inventory tables for different situations. The specific analysis will be described below.

In one embodiment, if the receipt number in the premium data is set up earlier than the start time of the policy, the premium data is divided into credit data and recorded in the credit policy list. This special case occurs, for example, when the last day of the month fails to underwriting and the first day of the next month underwrites. Wherein, the credit policy list records the underwriting certificate number, etc. A voucher detail table may also be created for recording other information.

In one embodiment, if the premium to be paid is in a status of being on account, the premium to be paid is divided into credit data and recorded in a credit manual accounting voucher table. This occurs because long term billing should be charged. The manual insurance certificate number, the manual certificate number and the like are recorded in the lender manual accounting certificate table, and a reason, such as manual adjustment, is also required to be recorded. A voucher detail table may also be created for recording other information.

In one embodiment, if the payment mode of the premium data recorded during the underwriting is different from the payment mode of the underwriting by the underwriting person, and an error premium subject occurs, the premium data corresponding to the error premium subject is classified into credit data and recorded in the credit adjustment accounting voucher table, and the premium data corresponding to the corresponding correct premium subject is classified into debit data and recorded in the debit adjustment accounting voucher table. That is, because the system records that the payment way is wrong etc. causes the system to generate the account that should pay the premium to be wrong while underwriting, need to cancel partially, change to the correct account. A voucher detail table may also be created for recording other information.

In one embodiment, if the payment mode recorded during payment of the premium data is different from the payment mode used by the underwriter to pay the underwriter, and an erroneous premium payment subject occurs, the premium data corresponding to the erroneous premium payment subject is classified into debit data, recorded in the debit adjustment billing voucher table, and the premium data corresponding to the corresponding correct premium payment subject is classified into credit data, recorded in the credit adjustment billing voucher table. That is, because the system records that the payment way is wrong when the collection is confirmed, the system generates the account error of the chargeable premium, and the account needs to be partially offset and changed into the correct account. A voucher detail table may also be created for recording other information.

In one embodiment, if the payment mode recorded during the underwriting of the premium data to be paid is missing, the premium data to be paid is divided into debit data and recorded in a debit adjustment accounting voucher table. That is, the serious error occurs in the underwriting certificate part, and the proposal of all the offset is adopted for regeneration. A voucher detail table may also be created for recording other information.

In one embodiment, if the payment mode recorded during payment of the premium to be paid is missing, the premium to be paid is divided into debit data and recorded in the credit adjustment accounting voucher table. That is, the receipt part has serious error, and the receipt list can be established for recording other information by adopting the scheme of all the offset.

In one embodiment, if the payment mode recorded during underwriting of the premium to be paid in the premium data is the same as the payment mode used by the underwriter to pay the underwriting, the premium to be paid is divided into debit data, and the debit data is recorded in the debit policy list table. The payment means may be one or more, i.e. one or more, accounts payable. Information such as the underwriting certificate number, the accounts of the premium to be charged and the like is recorded in the borrower policy list table.

In one embodiment, if the payment method recorded during the payment of the premium to be paid in the premium data is the same as the payment method used by the underwriter to pay the underwriter, the premium to be paid data is divided into credit data and recorded in the credit policy list table. I.e., the premium is presented to the lender with one or more premium subjects. The credit policy list table records information such as the underwriting certificate number and the accounts of the premium to be charged.

In one embodiment, if the underwriting status in the policy data of the policy is refund, the data of the policy that should be paid is classified into credit data and recorded in the credit policy list table. The credit policy listing table also records the offset voucher numbers.

The above conditions are highly summarized for various conditions in the process of underwriting and collecting new contracts under internet insurance. The debit data corresponds to a debit policy list table and a debit adjustment billing voucher table, and the credit data corresponds to a credit policy list table, a credit adjustment billing voucher table and a credit manual billing voucher. According to the design, necessary conditions can be created for the next balance list generation.

In step S204, a lender list is generated according to the lender data, and a lender list is generated according to the lender data.

In one embodiment, the debit policy list table and the debit adjustment billing voucher table generate a debit list. And recording the data in the debit policy list table and the debit adjustment accounting voucher table in the debit list, wherein the amount of the premium to be charged is a positive number. The content comprises: the number of the insurance policy, the amount of the premium to be charged, the payment mode, the business channel, the billing time and the like.

In one embodiment, the lender list is generated from a lender policy list, a lender adjustment billing voucher list, and a lender manual billing voucher list. And recording the data in the credit insurance policy list table, the credit adjustment accounting voucher table and the credit manual accounting voucher table in the credit list, wherein the amount of the chargeable insurance fee is a negative number. The content comprises: the number of the insurance policy, the amount of the premium to be charged, the payment mode, the business channel, the billing time and the like. The policy number and the amount of the premium to be charged are used for the calculation of the list, and the service channel, the payment mode and the billing time are used for the display of the list, so that the policy number and the amount of the premium to be charged are necessary information for urging the fee.

Step S205, a balance list of the charge to be kept is generated according to the debit list and the credit list, wherein the charge to be kept of the policy number in the debit list is compared with the charge to be kept of the credit list, and if the two charge to be kept are equal, the charge to be kept data corresponding to the policy number is deleted from the debit list and the credit list.

In one embodiment, the data in the debit list and the credit list are recorded in the chargeable balance list in a distinguishable manner. In the list of the balance of the charge to be charged, corresponding information is recorded by using a specific symbol. For example, BUSI_NO represents the service number, and BUSI_TYPE records what the service is. If the service corresponding to the certificate is a new contract, the BUSI_NO stores the policy number, and BUSI_TYPE records 'POLICYNO'; if the credentials correspond to a RENEWAL, then the unique number and "RENEWAL_ID" of the RENEWAL fee are recorded, respectively. In summary BUSI_NO records a unique number, distinguished by BUSI_TYPE. The benefit of this design is that any new service can be stored to the table, only the new busi_type needs to be designed, storing its unique number. VOUCHER_NO is the underwriting VOUCHER number or the collection VOUCHER number, and SUBJECT is the premium SUBJECT within the VOUCHER. AMOUNT is the AMOUNT of the premium to be paid corresponding to the policy number. The VOUCHER_DATE is a very critical record of billing DATE. Because the balance must be made based on the "billing date", i.e., the date the voucher was on the financial system. The date of the charge, the date of the application, and any other date cannot be used as a reference. The FLAG indicates the direction of debiting and lending of the premium to be charged. SA represents the borrower, i.e. "charge premium", and CR_ERROR represents the lender, i.e. "charge premium reduced". The SA and cr_error are used to distinguish between debit data and credit data. Other marks may be used to indicate the above, and the invention is not limited thereto.

In one embodiment, for verification of a single billing voucher, since the first portion implements the correspondence of the billing voucher to the manifest in each case, the manifest and the occurrence of the voucher number must correspond specifically to each voucher number. For example: underwriting the voucher number Y00001, borrow: if the policy charge is 1122010000 yuan 5000.00, then Y0001 is the list corresponding to the credential number, the accumulated amount is 5000 yuan, if not, the credential number is prompted. This mechanism of verification and prompting is helpful to the problem finding of balance lists.

In one embodiment, the amount of the policy number to be charged in the debit list is compared with the amount of the policy number to be charged in the credit list, and if the two amounts of the policy number to be charged are equal, the data of the policy number to be charged is deleted from the debit list and the credit list. That is, based on the balance of the policy to be charged in the debit list being positive, the balance of the policy to be charged in the credit list being negative, the sum of the two balances of the policy to be charged for the same policy number is 0, in which case the data of the policy to be charged corresponding to the policy number is deleted from the debit list and the credit list. After traversing all policy data, the calculation work of the balance of the premium to be charged is completed. At this time, the data held in the premium balance list should be the desired calculation result. And the premium of the corresponding policy number is paid in an urging mode according to the information in the balance list of the premium to be paid. Specifically, the above data are stored in the balance list of the premium to be charged, and although the policy data are mass data in the scene of internet insurance, the data can be calculated relatively quickly even if the data amount reaches tens of millions by using only one database table, for example, only one month of data. The calculation method is to delete the data with the same number of the policy in the table and the sum of the amount of the policy to be charged equal to zero, namely, the same item is subtracted, and the rest data in the table is the balance list of the policy to be charged in the month. The calculation method avoids the calculation and judgment of various abnormal conditions, so as to achieve the effect of rapidly and accurately obtaining the balance list of the chargeable premium. After the data is generated, checking the accumulated balance calculated by the certificate in the last step, and if the accumulated balance is completely consistent, indicating that the generation of the balance in the current period is correct, entering a storage link of the next part; if the two types of data are inconsistent, an error is prompted, and the data cannot be stored.

In one embodiment, the calculated result is stored in a list of balance results of the premium to be charged. The stored contents are the subjects to be charged, the balance date, the policy number, the amount, the payment mode, the service channel and the service occurrence time. The storage is characterized in that the storage is carried out according to months, so that the bill of each month is consistent with the account of the finance, and the historical bill of each month can be called for inquiry; if the data volume of the stock-in history list is large, the stock-in history list can be transferred to other tables for archiving, and only the balance list of the accounts for the premium in the last month is reserved for generating the balance list of the accounts for the premium in the next month. After the premium list is generated, the default content is correct and can not be changed, and the corresponding program can be changed along with the service change without influencing the generated list data. Therefore, the method for calculating the balance list of the premium applied in the above embodiment has the advantages of rapidness, accuracy and stability, so as to ensure that the calculation of the balance list of the premium can be completed smoothly.

According to the policy data processing method in the embodiment, based on the policy data and the premium data in the preset period, the debit list and the credit list are generated, so that the premium list in the preset period is obtained, and the accurate premium balance can be obtained through the technical method.

In one embodiment, the data in the premium balance list of the last month is incorporated into the premium balance list, and if the credit data of the premium balance list is the same as the policy number of the debit data and the premium amount to be charged, the premium data corresponding to the policy number is deleted from the premium balance list to obtain a premium balance list of a plurality of months. And writing the balance list which should be charged in the current month from the balance list which should be charged in the previous month, and calculating together. The dead bad accounts are reduced by adopting a month-by-month accumulation mode.

In one embodiment, the credit or debit policy listing, credit or debit adjustment voucher, and credit manual voucher are calculated as the amount of the subject to be charged for the current month of each subject. If the initial balance of the subject is stored, the first initial balance plus the current balance is the accumulated balance, and the later monthly current balance plus the current accumulated balance is the accumulated balance of the month. The balance is calculated in a rolling superposition mode, so that the processing speed can be improved, and the processing accuracy is improved.

According to the policy data processing method in the embodiment, the debit list and the credit list are generated based on the policy data and the policy data to be charged, so that the policy to be charged is obtained, and the accurate balance to be charged can be obtained through the technical method.

Fig. 3 shows a block diagram of a policy data processing device in an embodiment of the invention. Referring to fig. 3, the policy data processing apparatus 300 includes: a first data acquisition module 301, a second data acquisition module 302, a data classification module 303, a first manifest generation module 304, and a second manifest generation module 305.

The first data obtaining module 301 is configured to obtain policy data of a policy from an insurance system, where the policy data includes: number of policy, and status of policy.

The second data obtaining module 302 is configured to obtain premium data of a policy from the financial system, where the premium data includes: the policy number, the subject to be charged, the amount of the charge to be charged, the receipt number and the underwriting number, wherein the subject to be charged represents the payment mode of the charge to be charged.

The data classification module 303 is configured to create a map of balance data in a predetermined period according to policy data and chargeable policy data of the policy, generate a policy list table, a manual accounting voucher table and a voucher list table, adjust an accounting voucher table and a voucher list table, and an accounting voucher blacklist table, and generate an chargeable policy debit list and an chargeable policy credit list in the predetermined period, where the chargeable policy debit list and the chargeable policy credit list include a voucher number, a premium amount, a payment mode, a service channel, and a time.

The balance list generating module 304 is configured to generate a balance list of the chargeable insurance policy in the predetermined period according to the debit list of the chargeable insurance policy and the credit list of the chargeable insurance policy.

The balance list storage module 305 is configured to store a balance list of chargeable premium for the predetermined period.

The policy data processing device in the above embodiment generates the debit list and the credit list based on the policy data and the chargeable policy data, and further obtains the chargeable policy list.

Since each functional module of the information processing apparatus according to the exemplary embodiment of the present invention corresponds to a step of the exemplary embodiment of the information processing method described above, for details not disclosed in the apparatus embodiment of the present invention, please refer to the embodiment of the policy data processing method described above according to the present invention.

Referring now to FIG. 4, there is illustrated a schematic diagram of a computer system 400 suitable for use in implementing an electronic device of an embodiment of the present invention. The computer system 400 of the electronic device shown in fig. 4 is only an example and should not be construed as limiting the functionality and scope of use of embodiments of the invention.

As shown in fig. 4, the computer system 400 includes a Central Processing Unit (CPU) 401, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 402 or a program loaded from a storage section 408 into a Random Access Memory (RAM) 403. In the RAM 403, various programs and data required for the system operation are also stored. The CPU401, ROM402, and RAM 403 are connected to each other by a bus 404. An input/output (I/O) interface 405 is also connected to bus 404.

The following components are connected to the I/O interface 405: an input section 406 including a keyboard, a mouse, and the like; an output portion 407 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker, and the like; a storage section 408 including a hard disk or the like; and a communication section 409 including a network interface card such as a LAN card, a modem, or the like. The communication section 409 performs communication processing via a network such as the internet. The drive 410 is also connected to the I/O interface 405 as needed. A removable medium 411 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is installed on the drive 410 as needed, so that a computer program read therefrom is installed into the storage section 408 as needed.

In particular, according to embodiments of the present invention, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present 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 policy data processing method shown in the flowchart. In such an embodiment, the computer program may be downloaded and installed from a network via the communication portion 409 and/or installed from the removable medium 411. The above-described functions defined in the system of the present application are performed when the computer program is executed by a Central Processing Unit (CPU) 401.

The computer readable medium shown in the present invention may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any 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 context of this document, 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, the computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, with the computer-readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. 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 policy data processing 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 modules involved in the embodiments of the present invention may be implemented in software, or may be implemented in hardware, and the described modules may also be disposed in a processor. The names of these modules do not constitute a limitation on the module itself in some cases.

As another aspect, the present invention also provides a computer-readable medium that may be contained in the electronic device described in the above embodiment; or may exist alone without being incorporated into the electronic device. The computer-readable medium carries one or more programs which, when executed by one of the electronic devices, cause the electronic device to implement the policy data processing method as described in the above embodiments.

For example, the electronic device may implement the policy data processing method as shown in fig. 2A: step S101, acquiring policy data of a policy from an insurance system. Step S102, the chargeable data of the policy is obtained from the financial system. Step S103, a mapping of balance data in a preset period is established according to the policy data and the chargeable policy data of the policy, a policy list table, a manual accounting voucher table and a voucher list table are generated, an accounting voucher table and a voucher list table are adjusted, and an accounting voucher blacklist table is generated, and a chargeable policy debit list and a chargeable policy credit list in the preset period are generated, wherein the chargeable policy debit list and the chargeable policy credit list comprise a voucher number, a premium amount, a payment mode, a service channel and time. Step S104, generating a list of the balance of the chargeable insurance in the preset period according to the list of the borrower of the chargeable insurance and the list of the lender of the chargeable insurance. Step S105, storing a balance list of the chargeable insurance policy in the preset period.

It should be noted that although in the above detailed description several modules of a device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functions of two or more modules described above may be embodied in one module in accordance with embodiments of the present invention. Conversely, the features and functions of one module described above may be further divided into a plurality of modules to be embodied.

From the above description of embodiments, those skilled in the art will readily appreciate that the example embodiments described herein may be implemented in software, or may be implemented in software in combination with the necessary hardware. Thus, the technical solution according to the embodiment of the present invention may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (may be a CD-ROM, a usb disk, a mobile hard disk, etc.) or on a network, and includes several instructions to cause a computing device (may be a personal computer, a server, a touch terminal, or a network device, etc.) to execute the policy data processing 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 is to be understood that the invention is not limited to the precise arrangements and instrumentalities shown in the drawings, which have been described above, and that various modifications and changes may be effected without departing from the scope thereof. The scope of the invention is limited only by the appended claims.

Claims

1. A policy data processing system, comprising:

a financial system for acquiring premium data of the policy, wherein the premium data comprises: the insurance policy number, the department of the premium, the balance of the premium, the receipt voucher number and the insurance underwriting voucher number, wherein the department of the premium represents the payment mode of the premium;

a balance clearing platform comprising:

the data search server is used for determining that the policy is in a normal underwriting stage by comparing the policy data of the policy in a preset period with the corresponding policy data which should be received, dividing the policy data which should be received into debit data and credit data, wherein the debit data corresponds to a debit policy list table and a debit adjustment accounting voucher table, and the credit data corresponds to a credit policy list table, a credit adjustment accounting voucher table and a credit manual accounting voucher;

Generating a premium debit list and a premium credit list which are required to be charged in the preset period according to the debit data and the credit data;

2. The policy data processing system according to claim 1, wherein said data lookup server is configured to:

if the normal policy is underwriting, the data of the premium to be received is used as the data of the borrower, and the data of the premium to be received is recorded in a list table of the policy of the borrower, and the list table of the policy of the borrower records the underwriting certificate number and the data of the premium to be received;

3. The policy data processing system according to claim 2, wherein said balance generation server is configured to verify said list of chargeable premium borrowers and said list of chargeable premium lenders based on a voucher number, and if the verification is inconsistent, prompt the voucher number; comparing the balance of the voucher number in the debit list with the balance of the premium in the credit list, if the value of the amount is equal, deleting the data corresponding to the certificate number from the premium debit list and the premium credit list; the chargeable premium balance list comprises: the insurance policy number, the collection voucher number, the underwriting voucher number, the subject who should pay the premium, the balance of the premium, the billing time and the sign, wherein the sign is used for distinguishing lender data and borrower data.

4. A policy data processing method, comprising:

acquiring premium data of the policy from a financial system, wherein the premium data comprises: the insurance policy number, the department of the premium, the balance of the premium, the receipt voucher number and the insurance underwriting voucher number, wherein the department of the premium represents the payment mode of the premium;

Determining that the policy is in a normal underwriting stage by comparing the policy data of the policy in a preset period with the corresponding chargeable policy data, and dividing the chargeable policy data of the policy into debit data and credit data, wherein the debit data corresponds to a debit policy list table and a debit adjustment accounting voucher table, and the credit data corresponds to a credit policy list table, a credit adjustment accounting voucher table and a credit manual accounting voucher; generating a premium debit list and a premium credit list which are required to be charged in the preset period according to the debit data and the credit data;

and storing a balance list of the chargeable premium in the preset period.

5. The policy data processing method according to claim 4, wherein creating a policy list table, a manual accounting voucher table and a voucher list table, adjusting an accounting voucher table and a voucher list table, and an accounting voucher blacklist table according to a map of balance data in a predetermined period, which is created based on policy data and chargeable policy data of the policy, and creating a premium debit list and a premium credit list to be charged in the predetermined period, comprises:

6. The policy data processing method according to claim 5, wherein generating a list of chargeable and payable premium debits and a list of chargeable and payable premium credits within the predetermined period includes:

7. The policy data processing method according to claim 5, wherein generating a list of chargeable balances over the predetermined period based on the list of chargeable premium borrowers and the list of chargeable premium lenders includes:

Verifying the premium borrower list and the premium lender list according to the certificate number, and prompting the certificate number if the verification is inconsistent;

comparing the balance of the voucher number in the debit list with the balance of the premium in the credit list, if the value of the amount is equal, deleting the data corresponding to the certificate number from the premium debit list and the premium credit list;

the chargeable premium balance list comprises: the insurance policy number, the collection voucher number, the underwriting voucher number, the subject who should pay the premium, the balance of the premium, the billing time and the sign, wherein the sign is used for distinguishing lender data and borrower data.

8. The policy data processing method defined in claim 7, wherein said method further comprises: and merging the data in the balance list of the charge to be guaranteed in the last preset period into the balance list of the charge to be guaranteed in the preset period, and deleting the data of the charge to be guaranteed corresponding to the policy number from the balance list of the charge to be guaranteed if the lender data is identical to the policy number and the charge to be guaranteed balance of the borrower data, so as to obtain the balance list of the charge to be guaranteed in a plurality of preset periods.

9. A policy data processing device, comprising:

the first data acquisition module is used for acquiring the policy data of the policy from the insurance system, wherein the policy data comprises: number of policy, policy and status of policy;

a second data acquisition module for acquiring premium data of the policy from a financial system, wherein the premium data comprises: the insurance policy number, the department of the premium, the balance of the premium, the receipt voucher number and the insurance underwriting voucher number, wherein the department of the premium represents the payment mode of the premium;

the data classification module is used for determining that the policy is in a normal underwriting stage by comparing the policy data of the policy in a preset period with the corresponding policy data which should be received, dividing the policy data which should be received into debit data and credit data, wherein the debit data corresponds to a debit policy list table and a debit adjustment accounting voucher table, and the credit data corresponds to a credit policy list table, a credit adjustment accounting voucher table and a credit manual accounting voucher; generating a premium debit list and a premium credit list which are required to be charged in the preset period according to the debit data and the credit data, wherein the premium debit list and the premium credit list which are required to be charged comprise a certificate number, a premium amount, a payment mode, a business channel and time;

The balance list generation module is used for generating a premium balance list in the preset period according to the premium debit list and the premium credit list;

and the balance list storage module is used for storing the balance list of the chargeable premium in the preset period.

10. A computer readable medium on which a computer program is stored, characterized in that the program, when executed by a processor, implements the policy data processing method according to any one of claims 4 to 8.

11. 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 implement the policy data processing method of any of claims 4 to 8.