CN114399394A - Insurance contract data changing method and device - Google Patents
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Abstract
The invention provides an insurance contract data changing method and device, wherein the method comprises the following steps: determining application information changed by the insured according to the received insured change instruction; wherein, the application information comprises: original policy information, changed policy information and security data; verifying the original policy information based on a preset policy present price verification parameter; after the verification is successful, carrying out insurance contract data change approval according to the application information; and after the approval is passed, receiving a contract change confirmation instruction sent by a client, recording changed insurance policy information in a core system database according to the contract change confirmation instruction, and modifying the termination time of the original insurance policy information. The application information is verified, verified and approved for multiple times, so that the accuracy and reliability of the change of the insurance contract data are ensured, and the safe and reliable inheritance of the insurance contract is realized; by changing the insurance contract data, the inheritance requirements of the client are met, and therefore the experience of the client is improved.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to an insurance contract data changing method and device.
Background
After the insurance contract is established, if the insured life is due, the insurance contracts such as life-long insurance, double insurance and the like trigger the claim payment and automatically terminate. At present, the demand that a client wants an insurance contract to be passed through is increasing day by day, but a method for ensuring safe and reliable passing of the insurance contract is still in a blank state, so that the experience of the client is poor.
Disclosure of Invention
The invention aims to provide an insurance contract data changing method and device which can ensure safe and reliable delivery of insurance contracts and improve the experience of customers.
In order to achieve the above object, the present invention provides an insurance contract data changing method, which includes:
determining application information changed by the insured according to the received insured change instruction; wherein the application information includes: original policy information, changed policy information and security data;
verifying the original policy information based on a preset policy present price verification parameter;
after the verification is successful, carrying out insurance contract data change approval according to the application information;
and after the examination and approval are passed, receiving a contract change confirmation instruction sent by a client, recording changed insurance policy information in a core system database according to the contract change confirmation instruction, and modifying the termination time of the original insurance policy information.
In a specific embodiment, the verifying the original policy information based on a preset policy present price verification parameter includes:
according to the original policy information, real-time calculation of the policy present price is carried out to obtain the cash value of the policy;
and if the cash value of the insurance policy meets the preset requirement of the policy currency verification parameter, the verification is successful.
In a specific embodiment, the core system database is provided with an insurance contract association relation table and an insured life history change record table; further, the air conditioner is provided with a fan,
according to the contract change confirmation instruction, recording changed policy information in a background system database, and modifying the termination time of the original policy information, wherein the contract change confirmation instruction comprises the following steps:
based on the original policy information, inquiring in the insurance contract association relation table to obtain an original policy sublist, and adding changed policy information in the original policy sublist;
modifying the value of the original policy termination time field in the original policy sublist;
and recording the current change data in the insured history change record table according to the contract change confirmation instruction.
In order to further increase the security and reliability of the insurance contract data when changing, the method for changing insurance contract data provided in the specific embodiment of the present invention further includes:
collecting identity information of a client, wherein the identity information comprises: face recognition data and certificate information;
verifying the client by people and certificate based on the identity information;
correspondingly, according to the received insured change instruction, determining the application information of the insured change, including:
after the verification of the testimony-testimony unification is passed, the application information of the change of the insured is determined according to the received change instruction of the insured.
In another specific embodiment, the recording the changed policy information in the core system database according to the contract change confirmation instruction, and modifying the termination time of the original policy information includes:
determining basic premium increase information according to the contract change confirmation instruction;
auditing the basic premium increment information based on preset premium increment auditing parameters to obtain an auditing result and a basic premium increment proportion;
if the audit result is that the audit is passed, recording the changed policy information and the basic premium increment proportion in a core system database, and modifying the termination time of the original policy information.
The core system database is provided with an insurance contract association relation table, an insured life change record table and a basic premium increase track record table.
Specifically, recording the changed policy information and the basic premium increment ratio in a core system database, and modifying the termination time of the original policy information, including:
based on the original policy information, inquiring in the insurance contract association relation table to obtain an original policy sublist;
adding changed policy information in the original policy sublist, and modifying the value of the changed basic policy field of the policy according to the basic policy increase proportion;
modifying the value of the original policy termination time field in the original policy sublist;
recording basic premium increment data corresponding to the current change in the basic premium increment track record table;
and recording the current change data in the record table of the insured life change according to the contract change confirmation instruction and the basic premium increment proportion.
Further, the specific embodiment further includes:
receiving a cancellation instruction of the change of insurance contract data sent by a client;
and deleting the changed policy information in the core system database according to the canceling instruction, and revising the termination time of the original policy information.
In one embodiment, to enhance the security of the data, the provided method for changing the insurance contract data further includes:
according to a first preset time interval, backing up the incremental data of the core system database, and storing the backed up incremental data;
and according to a second preset time interval, backing up the full data of the core system database, and storing the backed-up full data.
The invention also provides an insurance contract data changing device, which is used for ensuring safe and reliable inheritance of insurance contracts and improving the experience of customers and comprises the following components:
the application receiving module is used for determining the application information changed by the insured according to the received insured change instruction; wherein the application information includes: original policy information, changed policy information and security data;
the information verification module is used for verifying the original policy information based on a preset policy present price verification parameter;
the approval module is used for carrying out insurance contract data change approval according to the application information after the successful verification;
and the data modification module is used for receiving a contract change confirmation instruction sent by a client after the examination and approval is passed, recording the changed policy information in the core system database according to the contract change confirmation instruction, and modifying the termination time of the original policy information.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the insurance contract data change method when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the insurance contract data changing method is stored in the computer-readable storage medium.
In the embodiment of the invention, the application information of the change of the insured is determined according to the received change instruction of the insured; wherein, the application information comprises: original policy information, changed policy information and security data; verifying the original policy information based on a preset policy present price verification parameter; after the verification is successful, carrying out insurance contract data change approval according to the application information; and after the approval is passed, receiving a contract change confirmation instruction sent by a client, recording changed insurance policy information in a core system database according to the contract change confirmation instruction, and modifying the termination time of the original insurance policy information. The application information is verified, verified and approved for multiple times, so that the accuracy and reliability of the change of the insurance contract data are ensured, and the safe and reliable inheritance of the insurance contract is realized; by changing the insurance contract data, the inheritance requirements of the client are met, and therefore the experience of the client is improved.
Drawings
The drawings are only for purposes of illustrating and explaining the present invention and are not to be construed as limiting the scope of the present invention. Wherein:
FIG. 1 is a schematic diagram of an implementation process of an insurance contract data change method according to an embodiment of the present invention;
FIG. 2 is a diagram illustrating an implementation of step 102 in an embodiment of the invention;
FIG. 3 is a diagram illustrating an implementation of step 104 in an embodiment of the present invention;
FIG. 4 is a diagram illustrating another implementation of step 104 in an embodiment of the invention;
FIG. 5 is a diagram illustrating an implementation of step 403 in an embodiment of the present invention;
FIG. 6 is a schematic diagram illustrating an implementation process of an insurance contract data modification method according to an embodiment of the present invention;
FIG. 7 is a schematic structural diagram of an insurance contract data modification apparatus according to an embodiment of the present invention;
FIG. 8 is a schematic structural diagram of an insurance contract data modification apparatus according to an embodiment of the present invention;
fig. 9 is a schematic structural diagram of a computer device in an embodiment of the present invention.
Detailed Description
The present application is described in further detail below with reference to the figures and examples. The features and advantages of the present application will become more apparent from the description. It is to be understood that the described embodiments are merely exemplary of the invention, and not restrictive of the full scope of the invention. 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 invention.
The word "exemplary" is used exclusively herein to mean "serving as an example, embodiment, or illustration. Any embodiment described herein as "exemplary" is not necessarily to be construed as preferred or advantageous over other embodiments. While the various aspects of the embodiments are presented in drawings, the drawings are not necessarily drawn to scale unless specifically indicated.
In addition, the technical features described below in the different embodiments of the present application may be combined with each other as long as they do not conflict with each other.
Because insurance contracts such as lifetime insurance, dual insurance and the like are generally guaranteed to be over after the insured life is in the accident or the insurance expires, the insurance contracts cannot be easily inherited like property, complex processes and audits are needed, and even after a certain time of inheritance, the insurance contracts have the risks of reliability and safety. Therefore, in the prior art, in the aspect of insurance contract inheritance, no standard change process, no mature calculation method and no safe and reliable change method exist, and a huge technical blank exists.
In order to fill up the technical blank in the prior art, an embodiment of the present invention provides an insurance contract data changing method for ensuring safe and reliable inheritance of an insurance contract and improving the experience of a client, as shown in fig. 1, the method includes:
step 101: determining application information changed by the insured according to the received insured change instruction; wherein, the application information comprises: original policy information, changed policy information and security data;
step 102: verifying the original policy information based on a preset policy present price verification parameter;
step 103: after the verification is successful, carrying out insurance contract data change approval according to the application information;
step 104: and after the approval is passed, receiving a contract change confirmation instruction sent by a client, recording changed insurance policy information in a core system database according to the contract change confirmation instruction, and modifying the termination time of the original insurance policy information.
As can be known from the flow shown in fig. 1, in the embodiment of the present invention, application information for the change of the insured is determined according to the received insured change instruction; wherein, the application information comprises: original policy information, changed policy information and security data; verifying the original policy information based on a preset policy present price verification parameter; after the verification is successful, carrying out insurance contract data change approval according to the application information; and after the approval is passed, receiving a contract change confirmation instruction sent by a client, recording changed insurance policy information in a core system database according to the contract change confirmation instruction, and modifying the termination time of the original insurance policy information. The application information is verified, verified and approved for multiple times, so that the accuracy and reliability of the change of the insurance contract data are ensured, and the safe and reliable inheritance of the insurance contract is realized; by changing the insurance contract data, the inheritance requirements of the client are met, and therefore the experience of the client is improved.
In the specific implementation, the method firstly receives the sent insured change instruction, and determines the application information of the insured change according to the received insured change instruction. The application information includes: original policy information, changed policy information, and security data. In a specific implementation, the insured change instruction can be initiated online by a client or by an agent contacted offline by the client, and when initiating an application for the insured change, the application information is provided together, wherein the original policy information refers to the relevant information for wishing to change the insured contract of the insured, and includes: original insurance policy number, original insured information, original applicant information, original beneficiary information, original basic insurance amount, original accumulated insurance fee and other data. The changed policy information is the relevant information that the client wishes to change, and at least comprises the following information: the modified insured information, in embodiments where the client also wishes to add a premium, etc., the modified policy information also includes modified base premium data. The security data refers to the related certification data required for the current change of security, such as the physical state certification data of the original insured, the social relationship certification data between the original insured and the modified insured, the identification certification data of the original insured and the identification certification data of the modified insured.
And after the application information changed by the insured is determined, the original policy information is verified based on the preset policy present price verification parameter. In a specific embodiment, the original policy information is verified based on a preset policy present price verification parameter, and a specific implementation process, as shown in fig. 2, includes:
step 201: according to the original policy information, real-time calculation of the policy present price is carried out to obtain the cash value of the policy;
step 202: if the cash value of the policy conforms to the preset policy present price verification parameter requirement, the verification is successful.
The Cash value of insurance policy (Cash value of insurance policy) refers to the value of a life insurance policy with a deposit property. The policy present price checking parameter is preset and is set according to actual business needs, for example, in a specific embodiment, the policy present price checking parameter is set such that the policy cash value is greater than or equal to 1.6 times of the original accumulated premium, that is, the original accumulated premium of the policy cash value of the original policy greater than or equal to 1.6 times is considered to be successful in checking the original policy information.
And after the verification is successful, carrying out change approval on the insurance contract data according to the application information. During specific implementation, the integrity and the authenticity of the application information are verified, the preset necessary item information or data is verified, whether the value is empty exists or not is judged, and if the value is not empty, the application information is considered to be complete. After the verification is complete, verifying the authenticity of the application information by calling an information verification interface of an internal business system and an information verification interface of an authorization mechanism of a relevant department (such as a public security department) accessed from the outside, for example, inquiring insurance contract data corresponding to an original policy number in the internal business system, comparing the insurance contract data with related data in the application information, and determining whether the insurance contract data is real data or not; and calling the authorization interface of the public security department to determine whether the original insured identity information, the changed beneficiary identity information, various certification materials issued by related institutions and the like are true.
And after the completeness and the authenticity of the application information are verified, based on a preset approval business rule, combining the original policy information, the changed policy information and the security data to carry out security business approval, and after the approval business rule in the actual business operation is met, the approval is passed. The approval business rules include, for example, regulations on insurance benefits between the original insured and the modified insured, regulations that the modified insured meets insurance application rules, and regulations on timeliness of the original policy.
After the approval is passed, the operation of the insured can be carried out, and the insurance contracts of both sides are required to be changed with the client, so that the information related to contract change is sent to the client, and the feedback of the client is waited.
And receiving a contract change confirmation instruction sent by a client, recording changed policy information in a core system database according to the contract change confirmation instruction, and modifying the termination time of the original policy information. The core system is a core business system for processing insurance such as life-long insurance, dual insurance and the like of an insurance company, and the system comprises full insurance policy life cycle management and service such as policy underwriting, security, renewal, claim settlement, service and the like. The core system is deployed by adopting a distributed architecture, built in a middleware mode, applied with a distributed read-write separation database, and managed by using MyCat middleware, and the system architecture is deployed in a PaaS private cloud platform based on Docker + Kubernets technology by using a Spring closed micro-service framework, so that the functions of cluster monitoring and centralized micro-service configuration, registration and gateway safety management are realized. And employs a unified service staging, downgrading, and exception fusing mechanism to enable service links to be tracked completely. The whole core system is deployed in a high-availability mode, F5+ Nginx soft and hard load balance is used, the running conditions of the system are monitored in real time in a full-flow mode by matching an application monitoring platform, an APM probe and a log monitoring platform, early warning is carried out on pressure and faults in time, and the availability and service continuity of the system are guaranteed to the maximum extent.
In one embodiment, the core system database is provided with an insurance contract association relation table and an insured life change record table, the insurance contract association relation table records data of insurance contracts before and after change and association relations between the data when the insurance contract data are changed, for example, the original policy is A, the changed policy is B, the values of the fields of A and the values of the fields of B having association relations with A, if B is changed again and is changed to C, the values of the fields of C and the association relations with B are continuously recorded in the table, and the values of the fields of A are not deleted. The record table of the insurant change records the insurant change condition between related insurance contracts according to the time sequence.
Correspondingly, according to the contract change confirmation instruction, the implementation steps of recording the changed policy information in the background system database and modifying the termination time of the original policy information include, as shown in fig. 3:
step 301: based on the original policy information, inquiring in the insurance contract association relation table to obtain an original policy sublist, and adding changed policy information in the original policy sublist;
step 302: modifying the value of the original policy termination time field in the original policy sublist;
step 303: and recording the current change data in the insured history change record table according to the contract change confirmation instruction.
In a specific embodiment, in order to facilitate data management and later-stage data maintenance, a plurality of sub-tables are arranged in the insurance contract association relation table, and each sub-table records the relevant data of a plurality of insurance policies with association relations. And inquiring in the insurance contract association relation table based on the original policy information, such as the original policy number, to determine an original policy sublist. And adding changed policy information in the original policy sublist, namely adding a plurality of fields in the sublist, filling the changed policy information, and adding fields such as the effective time and the termination time of the changed policy. In order to facilitate data query, the policy in each sub-table can be sorted according to the effective time sequence, and a policy sequence number field is added in the sub-table to record the sequence number of each policy.
After the insurance contract data is changed, the changed policy is valid, the original policy needs to be terminated, and the termination time of the original policy is necessarily modified, so the value of the termination time field of the original policy in the child table of the original policy needs to be modified. And after the value of the original policy ending time field in the original policy sub-table is modified, recording the current change data in the insured history change record table according to the contract change confirmation instruction.
In another embodiment, in order to meet the needs of the client, which wishes to increase the amount of the insurance while changing the insured, the changed policy information is recorded in the core system database according to the contract change confirmation instruction, and the expiration time of the original policy information is modified, as shown in fig. 4, including:
step 401: determining basic premium increase information according to the contract change confirmation instruction;
step 402: auditing the basic premium increment information based on preset premium increment auditing parameters to obtain an auditing result and a basic premium increment proportion;
step 403: if the audit result is that the audit is passed, recording the changed policy information and the basic premium increment proportion in the core system database, and modifying the termination time of the original policy information.
When the method is implemented specifically, the customer provides a basic premium increment application on a confirmation page, provides basic premium increment information and sends a confirmation instruction together with contract change. After receiving the contract change confirmation instruction, basic premium increment information, such as original policy basic premium information, accumulated basic premium increment times, basic premium increment application time, basic premium increment and the like, is extracted from the contract change confirmation instruction.
Wherein, the preset quota increasing auditing parameters comprise: the basic premium increase application time is less than or equal to thirty days from the year of the policy, and the policy after the change of the insured is not subjected to the basic premium increase, the accumulated number of times of the basic premium increase is less than or equal to 2 times, and the basic premium increase is not more than 20% of the basic premium of the original policy.
After meeting the requirement of the preset quota increasing audit parameter, the audit is passed, and step 403 specifically implements the process, as shown in fig. 5, including:
step 501: inquiring in the insurance contract association relation table based on the original policy information to obtain an original policy sublist;
step 502: adding changed policy information in the original policy sublist, and modifying the value of the changed basic policy field of the policy according to the basic policy increase proportion;
step 503: modifying the value of the original policy termination time field in the original policy sublist;
step 504: recording basic premium increment data corresponding to the current change in a basic premium increment track recording table;
step 505: and recording the current change data in the insured history change record table according to the contract change confirmation instruction.
The core system database is provided with an insurance contract association relation table, an insured person history change record table and a basic insurance amount increase track record table, and is used for recording the record of the basic insurance amount increase track corresponding to each insurance policy with the association relation. Compared with the steps 301 to 303, not only the basic data of the increase of the insurance policy corresponding to the current change is recorded in the basic track record table of the increase of the insurance policy, but also the value of the basic field of the insurance policy after the change is modified in the original policy sub-table according to the basic proportion of the increase of the insurance policy.
In addition, in the embodiment, if the audit result is that the audit is passed, the premium value that the customer needs to pay after the increase of the basic premium is calculated, and the customer is notified to pay the premium. After receiving the confirmation instruction of the payment completion, the core system database records the changed data such as the policy information, the basic premium increment proportion, the payment information and the like.
In an embodiment of the present invention, in order to further increase the security and reliability when the insurance contract data is changed, as shown in fig. 6, the method for changing the insurance contract data further includes, before step 101:
step 601: collecting identity information of a client, wherein the identity information comprises: face recognition data and certificate information;
step 602: and verifying the client by combining the identity information and the certificate.
The method comprises the steps of acquiring face identification data of a client by using a face identification technology through a terminal, acquiring certificate information of the client, such as an identity card picture, by using an image acquisition technology, calling an identity authentication interface authorized by a public security department, carrying out authentication of people and certificates in one, and ensuring the authenticity and reliability of the identity of the client handling business.
Accordingly, step 101 is adaptively adjusted to, step 101': after the verification of the testimony-testimony unification is passed, the application information of the change of the insured is determined according to the received change instruction of the insured.
In order to further satisfy the client's requirement, the client can still withdraw the application after applying for the change of the insured life and the change is successful, so in another embodiment, the method for changing the insurance contract data is provided, which further comprises the following steps on the basis of fig. 1 or fig. 6:
receiving a cancellation instruction of the change of insurance contract data sent by a client;
and deleting the changed policy information in the core system database according to the canceling instruction, and revising the termination time of the original policy information.
In specific implementation, whether the cancellation time is within the specified time limit or not needs to be judged according to the cancellation instruction, if the time limit requirement is met, the field corresponding to the policy with the latest effective time is deleted from the core system database, and the end time of the policy with the latest effective time in the deleted database is revised again to be restored to the original end time. The client can submit the canceling instruction at any time, if the changed policy information is recorded in the core system database according to the contract change confirmation instruction, and before the termination time of the original policy information is modified, the client already proposes cancellation, and directly quits the insurance contract data change process, without deleting the changed policy information in the core system database according to the canceling instruction and modifying the termination time of the original policy information again.
Because the time span born by the system is generally longer, on the basis of ensuring the safety of the change without errors, the data safety in the core system database is also ensured, and in order to avoid the safety problem caused by the data loss, the loss is caused, in the specific embodiment, the system further comprises:
according to a first preset time interval, backing up the incremental data of the core system database, and storing the backed up incremental data;
and according to a second preset time interval, backing up the full data of the core system database, and storing the backed-up full data.
In specific implementation, the incremental data of the core system database is generally backed up every day, and the backed up incremental data is stored; and backing up the full data of the core system database periodically (weekly), and storing the backed-up full data. Furthermore, the usability of data recovery after a remote disaster can be ensured by performing data recovery drilling on the backup data.
A specific example is given below to illustrate how the embodiment of the present invention performs insurance contract data changes. The specific example applies the insurance contract data change method to construct a core system, and the method comprises the following steps: the insured life changes the functional area, the basic premium increases the functional area, the contract changes the functional area and the contract changes the function area to cancel.
The core system database is designed with a contract conversion association relation table, a contract conversion guarantee plan relation table, an insured history change record table and a basic premium increase track table. Wherein, the contract conversion association relation table, the contract conversion guarantee plan relation table and the insured history change record table contain fields as shown in table 1, table 2 and table 3.
TABLE 1 contract conversion Association Table
TABLE 2 contract conversion guarantee plan relation table
Table 3 insurant history change recording table
In the above tables 1 to 3, N represents no; y represents.
Based on the above function partitioning and database design, the working logic of the core system is as follows:
the insured replacement functional area is used for:
when a security project is selected, real-time calculation of the policy-keeping price is triggered, and the following verification is carried out according to the calculation result: whether the cash value of the insurance policy is more than or equal to 160% of the accumulated premium or not is judged, and if yes, the insurance policy is input through entering details; and if not, blocking the prompt.
When the client fills in the information, the new insured can take out the relevant historical record information of the client through front-end page query, and directly select and fill in the information;
verifying authenticity and integrity of page data filled by a client when storing the application;
the client is complete in filling and uploading the data and enters the examination and approval process. And after approval, the user enters a basic premium increment functional area after the approval is confirmed.
The new insured person information is stored in a p table (a data intermediate backup table for track recording), and is transferred into a c table (a data result table) when the preservation is confirmed.
A base warranty increase module to:
firstly, judging whether the insurance contract is changed by the insured person, and if not, blocking the process. If yes, judging that the application date is within 30 days (including) before the year day of the policy, judging that the number of times of increasing the accumulated basic insurance amount of the contract is less than or equal to 2 times on the premise that the current insured life does not make basic insurance amount increase based on the contract.
If any judgment result is negative, blocking; if all the data are true, the subsequent detail recording link is entered.
And (3) a project detail recording link: the page initializes the relevant information of the brought out insurance policy, and displays the insurance premium, the basic insurance amount and the annual cash value of the current insurance policy.
The maximum recording proportion of the basic insurance amount is 20%, and if the maximum recording proportion exceeds the maximum recording proportion, the basic insurance amount is blocked.
The basic insurance amount of the original policy is SA, the premium of the original policy is GP, the present price of the original policy is CV, and the input increasing proportion is r. The increased base insurance amount SAmSA × r, the customer needs to pay a premium of GPm＝CV×r。
After receiving the confirmation instruction of paying the premium, the security is confirmed, and the contract is entered into a contract conversion functional area.
Wherein, every time the basic premium is changed, the policy information, the corresponding insured person information and the basic premium increase track are recorded in the basic premium increase track table.
A contract transformation function area for:
firstly, whether the contract is changed by the insured life is judged, and if not, the contract is blocked. And judging whether the application date is within 30 (inclusive) days before the year of the policy, whether the contract takes effect for ten years and whether the payment period is expired: if any judgment result is negative, blocking; if all the data are true, entering a detail recording link.
And (3) a project detail recording link: the front-end page is initialized to bring out basic security information and related information of the policy. The relevant information of the policy includes 6 display blocks, which are respectively: applicant information, insured information, beneficiary information, assurance plans, notification information, account information.
Wherein the applicant information, insured information, beneficiary information, notification information and account information are exhibited items and are not allowed to be modified. The security plan may allow the customer to modify, and may choose to complete the contract conversion with new or old risk based on the risk situation, but the premium may not allow the change.
The insurance contract conversion functional area triggers a new order delivery link to be pushed to the application program app, the interface is specified by the core system, and the element information is sent to the app front end by the webservice interface.
Wherein, the premium calculation logic of contract conversion is:
the final cash value of the policy year before the contract conversion is the new contract wholesale premium, and the converted new policy premium GP' is CV.
According to the actuarial principle, the wholesale net premium factor is calculated by adopting a future method to calculate the wholesale premium of the new contract.
Specifically, taking life-long life insurance as an example, the wholesale net premium factor (basic premium per thousand units) is calculated according to the following formula:
basic insurance amount of the new contract:
the cash value of the new contract:
wherein x represents the insured age of the insured life after contract conversion; t represents the policy year time point of the new policy after the contract conversion; SA 1000;
tNSPxthe wholesale net premium factor corresponding to the t-th policy year of the x-year-old insured person corresponding to the new policy after the contract conversion is represented;
kDBxrepresenting the accident insurance fund corresponding to the k years old insured life corresponding to the t policy year after the contract conversion;
tCV′xindicating the x year old insured life cash value at the end of the t's policy year for the new policy after the contract conversion.
Then entering a processing flow: and after the guarantee plan is modified, clicking a button for generating an insurance link, triggering a contract to convert a new insurance link to the app and an autonomous insurance link to the mobile phone of the insurance applicant. And 6 pieces of information of the information blocks are transmitted to the front end in the link, and the related insurance information is automatically backfilled after the insurance link is opened, so that a client or an agent can conveniently and quickly complete contract conversion insurance application actions. The link aging is 24 hours, and the insurance link can be restarted by the core insurance interface after the link fails.
And after the examination is passed, setting the anniversary date of the first original policy after the examination is passed as the effective date of the new policy, and correspondingly modifying the termination date of the original policy. If the audit is not passed, namely the changed insured person does not meet the requirements of the new contract, the new policy underwriting link is terminated, and a message is pushed to the client to cancel the security.
In the project detail entry link, the guarantee plan can be modified and the insurance link can be sent for multiple times, the latest information is sent to the front end along with the link when the insurance link is sent every time the insurance link is clicked, and the link sent historically is forced to be invalid.
And in order to ensure the security, the signature link of the client is shared in an air signature mode, and related personnel related to the policy are ensured to transact business according to real and independent intentions.
A contract conversion revocation function area for:
judging that the contract conversion is carried out, and after judging that a new policy is not in effect, initializing a page to bring out basic security information, original security policy information and new conversion security policy information, and following 6 information blocks in a contract conversion functional area.
The withdrawal application time is still within 30 days before the anniversary date of the original insurance policy, and the contract conversion is withdrawn; if the new converted policy is valid, the customer can receive the cash value through the refund.
The contract conversion revocation means that the original policy is restored to hold, so that after the contract conversion revocation is applied, the new policy is processed and deleted, and meanwhile, the expiration date of the original policy is restored to the expiration date of the original policy.
In addition, the core system is further configured to:
and (3) signature batch processing: and when the policy completes contract conversion, the newly converted policy is regarded as pre-input before the anniversary date of the first original policy after conversion, and the new converted policy signing is completed on the anniversary date. After the sign-in ticket takes effect, the new insurance policy can continue the whole equity again, refresh the increase times of the basic insurance amount, and meet the equity requirements of replacing the insured person, increasing the basic insurance amount, converting the contract, etc.
And (3) full-period batch processing: and when the policy completes the contract conversion, setting the expiry date of the original policy as the policy anniversary date, carrying out expiry processing on the policy anniversary date, terminating the original policy, enabling the new policy to take effect, and completing the conversion alternation of the new and original policies.
Meanwhile, in order to ensure the security of the core system, personalized watermark processing is added in the front-end display page, for example, unique watermarks of different terminals are generated according to login information, client data is prevented from being revealed in modes of screen capture and the like, and a revealing person can be traced through the personalized watermarks. When data interaction and data storage are carried out with the terminal, sensitive data (information such as a certificate number, a mobile phone number and the like of personal information of a client) are encrypted by using a national encryption algorithm, so that sensitive data leakage is avoided to the greatest extent. For the core system, the parameterized screening statement is adopted, measures such as an interpreter are avoided, SQL injection and XSS attack are avoided, and early warning and interception are carried out on the SQL injection, the XSS attack and abnormal interface calling.
In order to improve the data disaster recovery capability, the system performs corresponding RAID level protection on the storage. On the other hand, a safety backup strategy measure is made for important data through backup, namely, the important data is backed up through a daily increment and regular full backup strategy, the data backup is transferred into storage equipment such as a tape unit every day, and a storage tape is periodically retrieved by a specially-assigned person and put into a safe box. And meanwhile, performing data recovery drilling on the backed-up data to ensure the availability of disaster recovery in different places.
The implementation of the above specific application is only an example, and the rest of the embodiments are not described in detail.
Based on the same inventive concept, an embodiment of the present invention further provides an insurance contract data modification apparatus, and since the principle of the problem solved by the insurance contract data modification apparatus is similar to that of the insurance contract data modification method, the implementation of the insurance contract data modification apparatus can refer to the implementation of the insurance contract data modification method, and the repeated parts are not described again, and the specific structure is shown in fig. 7:
an application receiving module 701, configured to determine application information for an insured change according to a received insured change instruction; wherein, the application information comprises: original policy information, changed policy information and security data;
an information verification module 702, configured to verify original policy information based on a preset policy present price verification parameter;
the approval module 703 is used for carrying out the change approval of the insurance contract data according to the application information after the successful verification;
and the data modification module 704 is used for receiving a contract change confirmation instruction sent by a client after the approval is passed, recording the changed policy information in the core system database according to the contract change confirmation instruction, and modifying the termination time of the original policy information.
In a specific embodiment, the information verification module 702 is specifically configured to:
according to the original policy information, real-time calculation of the policy present price is carried out to obtain the cash value of the policy;
if the cash value of the policy conforms to the preset policy present price verification parameter requirement, the verification is successful.
In an embodiment, the data modification module 704 is specifically configured to:
based on the original policy information, inquiring in the insurance contract association relation table to obtain an original policy sublist, and adding changed policy information in the original policy sublist;
modifying the value of the original policy termination time field in the original policy sublist;
recording the current change data in a record table of the insured history change according to the contract change confirmation instruction;
the core system database is provided with an insurance contract association relation table and an insured life history change record table.
In order to further improve the security, the insurance contract data modification apparatus provided in the embodiment, as shown in fig. 8, further includes, in addition to fig. 7: an identity verification module 801 for:
collecting identity information of a client, wherein the identity information comprises: face recognition data and certificate information;
verifying the client by people and certificate based on the identity information;
accordingly, the application receiving module 701 is specifically configured to: after the verification of the testimony-testimony unification is passed, the application information of the change of the insured is determined according to the received change instruction of the insured.
In another embodiment, the data modification module 704 is specifically configured to:
determining basic premium increase information according to the contract change confirmation instruction;
auditing the basic premium increment information based on preset premium increment auditing parameters to obtain an auditing result and a basic premium increment proportion;
and if the verification result is that the verification is passed, recording the changed policy information in the core system database, and modifying the termination time of the original policy information.
Accordingly, the data modification module 704 is specifically configured to:
inquiring in the insurance contract association relation table based on the original policy information to obtain an original policy sublist;
adding changed policy information in the original policy sublist, and modifying the value of the changed basic policy field of the policy according to the basic policy increase proportion;
modifying the value of the original policy termination time field in the original policy sublist;
recording basic premium increment data corresponding to the current change in a basic premium increment track recording table;
recording the current change data in a record table of the insured history change according to the contract change confirmation instruction;
the core system database is provided with an insurance contract association relation table, an insured life change record table and a basic premium increase track record table.
The insurance contract data modification apparatus provided in an embodiment of the present invention further includes, on the basis of fig. 7 or fig. 8: a cancellation insurance contract data change module for:
receiving a cancellation instruction of the change of insurance contract data sent by a client;
and deleting the changed policy information in the core system database according to the canceling instruction, and revising the termination time of the original policy information.
In specific implementation, in order to improve data security, the insurance contract data changing apparatus further includes: a data backup module to:
according to a first preset time interval, backing up the incremental data of the core system database, and storing the backed up incremental data;
and according to a second preset time interval, backing up the full data of the core system database, and storing the backed-up full data.
An embodiment of the present invention further provides a computer device, and fig. 9 is a schematic diagram of the computer device in the embodiment of the present invention, where the computer device is capable of implementing all steps in the insurance contract data changing method in the embodiment, and the computer device specifically includes the following contents:
a processor (processor)901, a memory (memory)902, a communication Interface (Communications Interface)903, and a communication bus 904;
the processor 901, the memory 902 and the communication interface 903 complete mutual communication through the communication bus 904; the communication interface 903 is used for realizing information transmission between related devices;
the processor 901 is configured to call a computer program in the memory 902, and when the processor executes the computer program, the processor implements the insurance contract data changing method in the above embodiment.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the insurance contract data changing method is stored in the computer-readable storage medium.
In summary, the method and the device for changing insurance contract data provided by the embodiment of the invention have the following advantages:
determining application information of the change of the insured according to the received change instruction of the insured; wherein, the application information comprises: original policy information, changed policy information and security data; verifying the original policy information based on a preset policy present price verification parameter; after the verification is successful, carrying out insurance contract data change approval according to the application information; and after the approval is passed, receiving a contract change confirmation instruction sent by a client, recording changed insurance policy information in a core system database according to the contract change confirmation instruction, and modifying the termination time of the original insurance policy information. The application information is verified, verified and approved for multiple times, so that the accuracy and reliability of the change of the insurance contract data are ensured, and the safe and reliable inheritance of the insurance contract is realized; by changing the insurance contract data, the inheritance requirements of the client are met, and therefore the experience of the client is improved.
Although the present invention provides method steps as described in the examples or flowcharts, more or fewer steps may be included based on routine or non-inventive labor. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When an actual apparatus or client product executes, it may execute sequentially or in parallel (e.g., in the context of parallel processors or multi-threaded processing) according to the embodiments or methods shown in the figures.
As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, apparatus (system) or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment. In this document, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. The terms "upper", "lower", and the like, indicate orientations or positional relationships based on the orientations or positional relationships shown in the drawings, and are only for convenience in describing the present invention and simplifying the description, but do not indicate or imply that the referred devices or elements must have a specific orientation, be constructed and operated in a specific orientation, and thus, should not be construed as limiting the present invention. Unless expressly stated or limited otherwise, the terms "mounted," "connected," and "connected" are intended to be inclusive and mean, for example, that they may be fixedly connected, detachably connected, or integrally connected; can be mechanically or electrically connected; they may be connected directly or indirectly through intervening media, or they may be interconnected between two elements. The specific meanings of the above terms in the present invention can be understood by those skilled in the art according to specific situations. It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict. The present invention is not limited to any single aspect, nor is it limited to any single embodiment, nor is it limited to any combination and/or permutation of these aspects and/or embodiments. Moreover, each aspect and/or embodiment of the present invention may be utilized alone or in combination with one or more other aspects and/or embodiments thereof.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled 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; such modifications and substitutions do not depart from the spirit and scope of the present invention, and they should be construed as being included in the following claims and description.
Claims (18)
1. An insurance contract data changing method, characterized by comprising:
determining application information changed by the insured according to the received insured change instruction; wherein the application information includes: original policy information, changed policy information and security data;
verifying the original policy information based on a preset policy present price verification parameter;
after the verification is successful, carrying out insurance contract data change approval according to the application information;
and after the examination and approval are passed, receiving a contract change confirmation instruction sent by a client, recording changed insurance policy information in a core system database according to the contract change confirmation instruction, and modifying the termination time of the original insurance policy information.
2. The insurance contract data changing method according to claim 1, wherein the verifying the original policy information based on a preset policy present price verification parameter includes:
according to the original policy information, real-time calculation of the policy present price is carried out to obtain the cash value of the policy;
and if the cash value of the insurance policy meets the preset requirement of the policy currency verification parameter, the verification is successful.
3. The insurance contract data change method according to claim 1, wherein the core system database is provided with an insurance contract association relation table and an insured history change record table;
according to the contract change confirmation instruction, recording changed policy information in a background system database, and modifying the termination time of the original policy information, wherein the contract change confirmation instruction comprises the following steps:
based on the original policy information, inquiring in the insurance contract association relation table to obtain an original policy sublist, and adding changed policy information in the original policy sublist;
modifying the value of the original policy termination time field in the original policy sublist;
and recording the current change data in the insured history change record table according to the contract change confirmation instruction.
4. The insurance contract data changing method according to claim 1, further comprising:
collecting identity information of a client, wherein the identity information comprises: face recognition data and certificate information;
verifying the client by people and certificate based on the identity information;
determining application information of the insured change according to the received insured change instruction, comprising:
after the verification of the testimony-testimony unification is passed, the application information of the change of the insured is determined according to the received change instruction of the insured.
5. The insurance contract data modification method according to claim 1, wherein recording the modified policy information in the core system database according to the contract modification confirmation instruction, and modifying the termination time of the original policy information, comprises:
determining basic premium increase information according to the contract change confirmation instruction;
auditing the basic premium increment information based on preset premium increment auditing parameters to obtain an auditing result and a basic premium increment proportion;
if the audit result is that the audit is passed, recording the changed policy information and the basic premium increment proportion in a core system database, and modifying the termination time of the original policy information.
6. The insurance contract data change method according to claim 5, wherein the core system database is provided with an insurance contract association relation table, an insured life change record table and a basic premium increase track record table;
recording the changed policy information and the basic premium increment proportion in a core system database, and modifying the termination time of the original policy information, wherein the termination time comprises the following steps:
based on the original policy information, inquiring in the insurance contract association relation table to obtain an original policy sublist;
adding changed policy information in the original policy sublist, and modifying the value of the changed basic policy field of the policy according to the basic policy increase proportion;
modifying the value of the original policy termination time field in the original policy sublist;
recording basic premium increment data corresponding to the current change in the basic premium increment track record table;
and recording the current change data in the insured history change record table according to the contract change confirmation instruction.
7. The insurance contract data changing method according to any one of claims 1 to 6, further comprising:
receiving a cancellation instruction of the change of insurance contract data sent by a client;
and deleting the changed policy information in the core system database according to the canceling instruction, and revising the termination time of the original policy information.
8. The insurance contract data changing method according to claim 1, further comprising:
according to a first preset time interval, backing up the incremental data of the core system database, and storing the backed up incremental data;
and according to a second preset time interval, backing up the full data of the core system database, and storing the backed-up full data.
9. An insurance contract data change apparatus, comprising:
the application receiving module is used for determining the application information changed by the insured according to the received insured change instruction; wherein the application information includes: original policy information, changed policy information and security data;
the information verification module is used for verifying the original policy information based on a preset policy present price verification parameter;
the approval module is used for carrying out insurance contract data change approval according to the application information after the successful verification;
and the data modification module is used for receiving a contract change confirmation instruction sent by a client after the examination and approval is passed, recording the changed policy information in the core system database according to the contract change confirmation instruction, and modifying the termination time of the original policy information.
10. The insurance contract data modification apparatus according to claim 9, wherein the information verification module is specifically configured to:
according to the original policy information, real-time calculation of the policy present price is carried out to obtain the cash value of the policy;
and if the cash value of the insurance policy meets the preset requirement of the policy currency verification parameter, the verification is successful.
11. The insurance contract data modification apparatus according to claim 9, wherein the data modification module is specifically configured to:
based on the original policy information, inquiring in the insurance contract association relation table to obtain an original policy sublist, and adding changed policy information in the original policy sublist;
modifying the value of the original policy termination time field in the original policy sublist;
recording the current change data in the insured history change record table according to the contract change confirmation instruction;
the core system database is provided with an insurance contract association relation table and an insured life history change record table.
12. The insurance contract data modification apparatus according to claim 9, further comprising: an identity verification module to:
collecting identity information of a client, wherein the identity information comprises: face recognition data and certificate information;
verifying the client by people and certificate based on the identity information;
the application receiving module is specifically configured to: after the verification of the testimony-testimony unification is passed, the application information of the change of the insured is determined according to the received change instruction of the insured.
13. The insurance contract data modification apparatus according to claim 9, wherein the data modification module is specifically configured to:
determining basic premium increase information according to the contract change confirmation instruction;
auditing the basic premium increment information based on preset premium increment auditing parameters to obtain an auditing result and a basic premium increment proportion;
and if the verification result is that the verification is passed, recording the changed policy information in the core system database, and modifying the termination time of the original policy information.
14. The insurance contract data modification apparatus according to claim 13, wherein the data modification module is specifically configured to:
based on the original policy information, inquiring in the insurance contract association relation table to obtain an original policy sublist;
adding changed policy information in the original policy sublist, and modifying the value of the changed basic policy field of the policy according to the basic policy increase proportion;
modifying the value of the original policy termination time field in the original policy sublist;
recording basic premium increment data corresponding to the current change in the basic premium increment track record table;
recording the current change data in the record table of the insured life change according to the contract change confirmation instruction and the basic premium increment proportion;
the core system database is provided with an insurance contract association relation table, an insured life change record table and a basic premium increase track record table.
15. The insurance contract data modification apparatus according to any one of claims 9 to 14, further comprising: a cancellation insurance contract data change module for:
receiving a cancellation instruction of the change of insurance contract data sent by a client;
and deleting the changed policy information in the core system database according to the canceling instruction, and revising the termination time of the original policy information.
16. The insurance contract data modification apparatus according to claim 9, further comprising: a data backup module to:
according to a first preset time interval, backing up the incremental data of the core system database, and storing the backed up incremental data;
and according to a second preset time interval, backing up the full data of the core system database, and storing the backed-up full data.
17. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 8 when executing the computer program.
18. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 8.
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