CN106447498A - Insurance policy advance payment method, device and system - Google Patents
Insurance policy advance payment method, device and system Download PDFInfo
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- CN106447498A CN106447498A CN201610185859.3A CN201610185859A CN106447498A CN 106447498 A CN106447498 A CN 106447498A CN 201610185859 A CN201610185859 A CN 201610185859A CN 106447498 A CN106447498 A CN 106447498A
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- 238000000034 method Methods 0.000 title claims abstract description 24
- 230000000694 effects Effects 0.000 claims description 22
- 230000007246 mechanism Effects 0.000 claims description 22
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- 230000005540 biological transmission Effects 0.000 description 2
- 238000000605 extraction Methods 0.000 description 2
- 238000010408 sweeping Methods 0.000 description 1
- 230000003442 weekly effect Effects 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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Abstract
The invention relates to an insurance premium advance payment method, device and system. The method comprises the steps that scanning time is recorded by using an automatic advance payment insurance policy in a thread scanning database; insurance policy information of the automatic advance payment insurance policy is acquired, wherein the insurance policy information includes the payment term; whether the scanning time reaches the payment term of the automatic advance payment insurance policy after deduction of the preset time period is judged; if the judgment result is yes, the financial data corresponding to the automatic advance payment insurance policy is pulled out of the database; the deadline of advance payment for the automatic advance payment insurance policy is calculated by using the financial data; and the advance payment premium of the automatic advance payment insurance policy when reaching the deadline is calculated, and the advance payment premium is recorded in the account field corresponding to the automatic advance payment insurance policy. With application of the method, premium automatic advance payment for the insurance policy can be stopped at the accurate deadline so that the risk of advance payment can be effectively reduced.
Description
Technical field
The present invention relates to field of computer technology, particularly relate to a kind of declaration form and pay for methods, devices and systems first.
Background technology
Insurance policy (referred to as declaration form) is the formal written document that insurance company and insurer conclude insurance contract.
Automatically the insurance clause that premium is insurer and insurance company's agreement handed over by pad.When insurer does not pay on time
Receive and renew premium, and when declaration form has had enough surrender values, insurance company can be with the surrender value of declaration form
Volume pads friendship premium automatically, so that declaration form remains valid.Traditional mode, insurance company can be for insuring
What people paid for a whole phase automatically first renews premium.If the surrender value of declaration form is not enough to the premium to a whole phase,
Insurance company also continues to renew premium for what a whole phase paid for first by declaration form, then will certainly bring necessarily to insurance company
Risk.How when the accurate deadline, declaration form stopping automatic premium loan being become and solution is presently required
One technical problem.
Content of the invention
Based on this, it is necessary to for above-mentioned technical problem, offer one can be in the accurate deadline to guarantor
Methods, devices and systems paid for first by single declaration form stopping automatic premium loan.
A kind of premium pays for method first, and described method includes：
Utilize the pad declaration form certainly in thread scans database, writing scan time；
Obtaining described from the policy information padding declaration form, described policy information includes handing over to the date；
Judge whether reach the described friendship from pad declaration form described sweep time after deducting preset time period to the date；
If so, then pull described from the pad corresponding financial data of declaration form in database；
Described financial data is utilized to calculate to the described deadline paid for first from pad declaration form；
Calculate and described pay for premium from pad declaration form first when reaching the deadline, and pay for premium record first by described
To described in pad declaration form corresponding account field.
Wherein in an embodiment, described financial data includes surrender value, pay for first premium and current period
Premium, described utilizes described financial data to calculate to include from pad deadline of paying for first of declaration form to described：
From the growth rate padding the corresponding surrender value of declaration form according to described financial data calculates；
Growth rate according to described surrender value, the described premium paid for first and current period premium calculate to described from
The deadline that pad declaration form is paid for first.
Wherein in an embodiment, described method also includes：
Utilize thread scans task list, obtain the authority identification of record in task list；
Obtain multiple mechanism according to authority identification corresponding from the policy information padding declaration form；
Utilize multiple thread concurrently to perform premium to the policy information from pad declaration form of multiple mechanisms and pay for operation first.
Wherein in an embodiment, described financial data includes remaining sum of paying the fees, described in database
Pull described after the pad corresponding financial data of declaration form, also include：
Obtain described from pad declaration form corresponding payment remaining sum；
Judge that whether described payment remaining sum renews premium more than described from pad declaration form；
If so, then from described payment remaining sum, deduction renews the corresponding numerical value of premium with described, and by described number
Value record pads in declaration form corresponding account field certainly to described.
Wherein in an embodiment, calculate described pad declaration form paying for first when reaching the deadline certainly described
Premium, and described premium of paying for first be recorded described after padding in declaration form corresponding account field, also include：
Extract according to predeterminated frequency and wait to stop imitating declaration form；
Wait that stopping corresponding the waiting of effect declaration form generation stops imitating information according to described；
Wait that stopping effect information sends to client terminal by described.
A kind of premium pays for device first, and described device includes：
Scan module, for utilizing the pad declaration form certainly in thread scans database；
Logging modle, is used for the writing scan time；
Acquisition module, described from the policy information padding declaration form for obtaining, described policy information include handing over to
Date；
Judge module, is used for judging that whether reaching described described sweep time after deducting preset time period protects from pad
Single friendship is to the date；
Computing module, if reach described from the friendship padding declaration form after deducting preset time period described sweep time
To the date, then pull described from the pad corresponding financial data of declaration form in database；Utilize described financial data
Calculate to the described deadline paid for first from pad declaration form；Calculate the described declaration form of pad certainly and reach the deadline
When pay for premium first；
Described logging modle is additionally operable to recorded described from pad declaration form corresponding account field by described premium of paying for first
In.
Wherein in an embodiment, described scan module is additionally operable to utilize thread scans task list；Described obtain
Delivery block is additionally operable to obtain the authority identification of record in task list；Obtain multiple mechanism according to authority identification corresponding
From pad declaration form policy information；Described computing module is additionally operable to utilize the pad certainly to multiple mechanisms for multiple thread
The policy information of declaration form concurrently performs premium and pays for operation first.
Wherein in an embodiment, described acquisition module is additionally operable to extract according to predeterminated frequency to be waited to stop imitating declaration form；
Described device also includes：
According to described, information generating module, for waiting that stopping corresponding the waiting of effect declaration form generation stops imitating information；
By described, sending module, for waiting that stopping effect information sends to client terminal.
A kind of premium pays for system first, and described system includes：
Server, described from the policy information padding declaration form for obtaining, described policy information includes handing over the Summer Solstice or the Winter Solstice
Phase；When reaching described friendship to the date after the time deduction preset time period obtaining the described declaration form of pad certainly, pull
Described from the financial data padding declaration form, utilize described financial data to calculate and certainly pad what declaration form was paid for first to described
Deadline and corresponding premium of paying for first, and generate pay for information first；
Client terminal, for receive described server send pay for information first.
Wherein in an embodiment, described server is additionally operable to extract according to predeterminated frequency to be waited to stop imitating declaration form,
Wait that stopping corresponding the waiting of effect declaration form generation stops imitating information according to described；Described client terminal is additionally operable to receive institute
State server send wait stop imitate information.
Above-mentioned premium pays for methods, devices and systems first, by thread scans database, from pad declaration form in obtaining.
If reaching to hand over to the date after deducting preset time period the sweep time of pad declaration form, just pull in database
From the financial data of pad declaration form, and calculate to the deadline paid for first from pad declaration form according to financial data
Phase, thus obtain paying for premium first when reaching to pay for first the deadline from padding declaration form.By premium note will be paid for first
Record and certainly pad in declaration form corresponding account field, it is achieved carry out certainly paying for premium first for certainly padding declaration form.Due to pad
Pay the financial data that the deadline is basis pad declaration form certainly to calculate such that it is able in the accurate deadline
When to declaration form stop automatic premium loan.Do not need to renew premium for pay for the whole phase first from pad declaration form, effectively subtract
Lack and paid for risk first.
Brief description
Fig. 1 is the applied environment figure that in an embodiment, premium pays for method first；
Fig. 2 is the flow chart that in an embodiment, premium pays for method first；
Fig. 3 is the structural representation of server in an embodiment；
Fig. 4 is the structural representation that in an embodiment, premium pays for device first；
Fig. 5 is the structural representation that in another embodiment, premium pays for device first；
Fig. 6 is the structural representation that in an embodiment, premium pays for system first.
Detailed description of the invention
In order to make the purpose of the present invention, technical scheme and advantage clearer, below in conjunction with accompanying drawing and reality
Execute example, the present invention is further elaborated.Only it should be appreciated that specific embodiment described herein
It in order to explain the present invention, is not intended to limit the present invention.
The premium providing in the embodiment of the present invention pays for method first, can apply to applied environment as shown in Figure 1
In.Client terminal 102 is connected with server 104 by network.Server 104 utilizes thread at database
Middle scanning signed pads the declaration form handing over premium clause automatically, by wherein effective declaration form as from pad declaration form.Clothes
After business device 104 is according to obtaining the date deduction preset time period of declaration form, it is judged that from pad declaration form whether reach to hand over to
Date.If reaching to hand over to the date from pad declaration form, then server 104 pulls from pad declaration form corresponding in database
Financial data, utilize financial data to calculate to from pad deadline of paying for first of declaration form.Server 104
Calculate and pay for premium from pad declaration form first when reaching the deadline, and will pay for premium first and recorded from padding declaration form pair
In the account field answered.After server 104 is to paying for premium first from pad declaration form, generates and pay for information first,
And information transmission will be paid for first to client terminal 102.So that insurer understands the situation of declaration form in time.By
In can in the accurate deadline when automatic premium loan is stopped to declaration form, from whole continuous without paying for first
The premium of phase.Thus effectively reduce and pay for risk first.
In one embodiment, as in figure 2 it is shown, provide a kind of premium to pay for method first, apply in this way
Illustrate as a example by server in Fig. 1, specifically include：
202, utilize the pad declaration form certainly in thread scans database, writing scan time.
Server by utilizing thread automatically pads the guarantor handing over premium clause according to signed in predeterminated frequency scan database
Single.Server extraction wherein effective declaration form, as from pad declaration form.Wherein, effective declaration form includes effectively
The declaration form of state and the declaration form from pad effective status.For the declaration form of effective status, server calculates and is for the first time
Its premium automatically paid for first.For from the effective declaration form of cushion state, server is then to be calculated as it again to pay for first
Premium.
Predeterminated frequency can be daily or weekly etc..After the declaration form of pad certainly in thread scans database, accordingly
The writing scan time.Sweep time can be the date of thread scans database.For example, March 3 in 2016
Day.Also can be considered that server is obtained from the time of pad declaration form sweep time.
204, it is obtained from the policy information of pad declaration form, policy information includes handing over to the date.
Policy information includes：Insurer, insure the date and hand over to the date etc..Friendship to the date refers to declaration form premium
The actual effect deadline.For example, certain declaration form is for each issue 1 year, and the date of insuring of declaration form is January 1 in 2014
Day, handing over to the 1 day January that the date is next year of this declaration form each phase, namely this declaration form is first-phase
Friendship to the date is on January 1st, 2015.
Insurer exceedes friendship Summer Solstice or the Winter Solstice after date at declaration form, can pay premium in preset time period, and declaration form continues
Maintain effectively.In order to enable effectively to safeguard the rights and interests of insurer, if it exceeds after preset time period, insurer is still
Not paying premium, server can pay for the premium that insurer is owed automatically first, in order to maintains declaration form to remain valid.
206, it is judged that whether reach after deducting preset time period sweep time certainly to pad the friendship of declaration form to the date；If so,
Then perform 208, otherwise, terminate.
Server by utilizing deducts preset time period sweep time and obtains from padding declaration form corresponding first date, it is judged that
Whether the first date reached certainly to pad the corresponding friendship of declaration form to the date.If, then it represents that need certainly to pad declaration form to this
Pay for premium first.Server can calculate, according to the financial data from pad declaration form, the premium needing to pay for first.Otherwise,
The declaration form of pad certainly not up to handed over to the date can be disregarded by server.Wherein, preset time period can be
From the pad declaration form corresponding grace period.For example, preset time period is 60 days.
Paying the mode of premium according to declaration form can be divided into the moon to pay declaration form and the non-moon pays declaration form two types.For
The moon pays declaration form, and when automatically paying for first for the first time, the financial data of this declaration form allows for meeting the continuous of a whole phase of paying for first
Phase premium.Paying declaration form for the non-moon, when automatically paying for first for the first time, the financial data of this declaration form allows for meeting
Pay for the premium of preset time period first.When server is again for declaration form automatic premium loan, no matter declaration form is paid
The mode of premium how, and number of days is paid in unified calculation first.
208, pull in database from the pad corresponding financial data of declaration form.
Server pulls from the pad corresponding financial data of declaration form in database.Financial data includes surrender value
Volume, the premium paid for first, current period premium and Annual Percentage Rate etc..
210, utilize financial data to calculate to the deadline paid for first from pad declaration form.
In one embodiment, utilize financial data to calculate to include the deadline paid for first from pad declaration form：
Calculate from the growth rate padding the corresponding surrender value of declaration form according to financial data；Growth rate according to surrender value,
The premium paid for first and current period premium calculated to the deadline paid for first from pad declaration form.
Bring to insurance company because renewing premium from the surrender value of pad declaration form less than the whole phase to be prevented effectively from
The situation of loss, server needs to accurately calculate the surrender value day equal with paying for premium first from pad declaration form
Phase, i.e. to the deadline paid for first from pad declaration form.
The surrender value of declaration form is alternatively referred to as terminated an agreement the amount of money of net cash value, or the amount of money of cash surrender value is all right
It is referred to as the amount of money of surrender value.The surrender value of declaration form refers to that insurer requires to terminate an agreement or during surrender, insurance public affairs
The amount of money that department should return.The actuarial department of insurance company utilizes the surrender value to every declaration form for the application program
Carry out concrete calculating, be written in surrender value table, and be stored in database.
Surrender value and guarantor at the beginning of the corresponding declaration form year that server is obtained from pad declaration form in surrender value table
List surrender value end of year.Server by utilizing declaration form surrender value end of year and declaration form year at the beginning of surrender value
Calculate from the growth rate padding declaration form surrender value.Concrete, server is according to declaration form surrender value end of year
With the difference of surrender value and the business of year number of days calculate from the pad corresponding surrender value of declaration form at the beginning of declaration form year
Volume.Annual number of days refers to when the total number of days in year, for example, and 365 days.Formula is as follows：Surrender value
Growth rate=(surrender value at the beginning of declaration form surrender value end of year declaration form year)/annual number of days.Server root
The growth rate of surrender value and surrender value and pay for number of days first and calculate and exist from pad declaration form at the beginning of according to declaration form year
Reach the surrender value during deadline paid for first.
Server is obtained from the pad corresponding premium paid for first of declaration form and current period premium.Wherein, the guarantor having paid for first
What expense was server to the many phases automatically paid for first from pad declaration form pays for premium first.Current period premium refers to that certainly padding declaration form exists
Renew the premium of a whole phase, i.e. renew premium.Server obtains the corresponding Annual Percentage Rate of annual loan interest, profit
With the premium paid for first, current period premium, Annual Percentage Rate and pay for first number of days calculate from pad declaration form reaching to pay for first
Premium is paid for first during the deadline.Formula is as follows：Pay for guarantor from pad declaration form when reaching to pay for first the deadline first
Premium * of expense=paid for first (1+ pays for number of days/year number of days first) * Annual Percentage Rate)+(current period premium * pay for first number of days/
Year number of days) * (1+ (pay for first number of days/year number of days) * Annual Percentage Rate).When pad declaration form is reaching to pay for the deadline first certainly
When surrender value with from pad declaration form when reaching to pay for first the deadline when paying for premium first, can calculate
Pay for number of days first.Server is according to the scanning date and pays for number of days first and can be calculated and pay for first the deadline accordingly.
Further, provided a loan from pad declaration form if insurer utilizes, then financial data also includes borrowing
Money capital.Server by utilizing is from the pad corresponding loan principal of declaration form and the premium paid for first, current period premium, year
Interest rate and pay for number of days first and calculate and pay for premium from pad declaration form first when reaching to pay for first the deadline.Formula is such as
Under：From the pad premium=loan principal * that pays for first when reaching to pay for first the deadline for the declaration form, (1+ pays for number of days/year first
Number of days) * Annual Percentage Rate)+premium * paid for first (1+ pays for number of days/year number of days first) * Annual Percentage Rate)+(current period protects
Expense * pays for number of days/year number of days first) * (1+ (pay for first number of days/year number of days) * Annual Percentage Rate).Thus accurately count further
Number of days is paid in calculation first.
Accurately calculated by surrender value that declaration form is corresponding pays for the deadline first from pad, such that it is able to will be from pad guarantor
Single pay for first till premium only need to pay for the deadline first, it is not necessary to pay for the premium entirely renewing first.From
And effectively reduce and pay for risk first.
212, calculate and pay for premium from pad declaration form first when reaching the deadline, and will pay for premium first and recorded oneself
In pad declaration form corresponding account field.
Server calculates and pays for premium from pad declaration form first when reaching to pay for first the deadline according to paying for number of days first, and
And will pay for first premium recorded from pad declaration form corresponding account field in.Thus be embodied as certainly padding declaration form and carry out certainly
Pay for premium first so that before paying for the deadline first, remain effective from pad declaration form.
In the present embodiment, by thread scans database, from pad declaration form in obtaining.If from sweeping of pad declaration form
Reach after retouching time deduction preset time period to hand over to the date, just pull in database from the financial number padding declaration form
According to, and calculate to the deadline paid for first from pad declaration form according to financial data, thus obtain certainly padding
Declaration form pays for premium first when reaching to pay for first the deadline.Recorded from pad declaration form corresponding by premium will be paid for first
Account field in, it is achieved for carrying out from paying for premium first from pad declaration form.It is basis owing to paying for the deadline first
Calculate from the financial data of pad declaration form such that it is able to when the accurate deadline, declaration form is stopped automatically
Pay for premium first.Do not need to renew premium for pay for the whole phase first from pad declaration form, effectively reduce and pay for risk first.
Further, server is after utilizing the surrender value automatic premium loan of pad declaration form certainly, also can root
Pay for information according to generating from pad declaration form first.Including paying for the premium amount of money and pay for the contents such as deadline first first.
Server will be paid for information first and send to client terminal, so that insurer understands the situation of declaration form in time.
In one embodiment, the method also includes：Utilize thread scans task list, obtain note in task list
The authority identification of record；Obtain multiple mechanism according to authority identification corresponding from the policy information padding declaration form；Utilize
The policy information from pad declaration form to multiple mechanisms for multiple threads concurrently performs premium and pays for operation first.
In the present embodiment, server can carrying out according to its surrender value from pad declaration form to multiple mechanisms automatically
Pay for first.In order to effectively improve the treatment effeciency automatically paid for first from pad declaration form to multiple mechanisms, clothes
Business device uses multiple thread concurrently to perform premium to the declaration form of pad certainly of multiple mechanisms respectively and pays for operation, concrete mistake first
Journey can use the mode providing in above-described embodiment.
Each mechanism of server by utilizing generates task from pad declaration form, and utilizes authority identification to generate corresponding
Business table.Multiple in advance threads in server, utilize thread scans task list, obtain the machine of record in task list
Structure identifies.It is corresponding from the policy information padding declaration form that server obtains multiple mechanism according to authority identification.Specifically
, server extracts the Valid Policy of this mechanism according to authority identification.Obtain the insurance kind of Valid Policy, it is judged that
Whether insurance kind allows automatic premium loan, if so, then the Valid Policy from paying for premium first will be allowed to be defined as
Authority identification is corresponding from pad declaration form.Server is obtained from the policy information of pad declaration form, and policy information includes
Hand over to the date.If reaching after deducting preset time period sweep time from padding the friendship of declaration form to the date, then to service
Device pulls from the pad corresponding financial data of declaration form in database.Server by utilizing financial data calculates to from pad
The deadline that declaration form is paid for first, calculate and pay for premium from pad declaration form first when reaching the deadline, and will
Pay for premium first to recorded in pad declaration form corresponding account field.Due to each authority identification corresponding declaration form number
Measure more, by using multithreading concurrently performing premium from pad declaration form and pay for operation first and can have to multiple mechanisms
Effect improves the treatment effeciency that declaration form is paid for first automatically.
In one embodiment, financial data includes remaining sum of paying the fees, and is pulling from pad declaration form in database
After corresponding financial data, also include：It is obtained from pad declaration form corresponding payment remaining sum；Judge payment remaining sum
Whether more than renewing premium from pad declaration form；If so, then deduct with to renew premium corresponding from payment remaining sum
Numerical value, and by records of values in pad declaration form corresponding account field.
In the present embodiment, part declaration form may pre-pay premium in advance, also has after paying whole phase premium
Payment remaining sum.The financial data that server pulls in database can also include remaining sum of paying the fees.Service
Device, before to paying for the deadline first from pad declaration form calculating, can check paying in the financial data of pad declaration form
Take remaining sum.If payment remaining sum renews premium more than pad declaration form certainly, then server can be directly remaining from payment
In volume, deduction renews premium.Concrete, the corresponding numerical value of premium is deducted and renewed to server from payment remaining sum,
And by this records of values in pad declaration form corresponding account field.Thus without further according to moving back from pad declaration form
Insurance money volume carrys out automatic premium loan, reduce further the risk of automatic premium loan.
Further, server can also generate the information of deduction payment remaining sum, and it is remaining to pay the fees deduction
The information of volume sends to client terminal, so that insurer can understand that premium pays situation in time.
In one embodiment, premium is paid for from pad declaration form first when reaching the deadline calculating, and will pad
Pay premium to recorded after padding in declaration form corresponding account field, also include：Treat according to predeterminated frequency extraction
Stop imitating declaration form；Generate corresponding waiting stop imitating information according to waiting to stop effect declaration form；To wait that stopping effect information sends out
Deliver to client terminal.
In the present embodiment, if declaration form is in stops effect state, just in case there is insurance risk, insurance company can not
Negative liability to pay compensation.For the rights and interests of effective guarantee insurer, server after for paying for premium first from pad declaration form,
Also can extract according to predeterminated frequency and wait to stop imitating declaration form.Predeterminated frequency can be monthly, every first quarter moon once or
Person is inferior on every Mondays.Wait to stop imitating the pad declaration form certainly that declaration form refers to reach to stop effect state through Preset Time.Service
Device generates and waits to stop imitating information according to waiting to stop effect declaration form, and will wait to stop effect information transmission to client terminal,
So that insurer understands payment in time, it is to avoid declaration form is in and stops effect state.
In one embodiment, as it is shown on figure 3, provide a kind of server, including by system bus even
Processor, built-in storage, non-volatile memory medium and the network interface connecing.Wherein, this server is non-
The operating system that is stored with in volatile storage medium and premium pay for device first, and premium pays for device first for realizing energy
Enough when the accurate deadline, automatic premium loan is stopped to declaration form, it is not necessary to pay for the premium entirely renewing first.
Thus effectively reduce and pay for risk first.The processor of server is used for providing calculating and control ability, is configured to
Perform a kind of premium and pay for method first.Server can be separate server, it is also possible to be cluster server.
In one embodiment, as shown in Figure 4, provide a kind of premium and pay for device first, including：Scanning mould
Block the 402nd, logging modle the 404th, acquisition module the 406th, judge module 408 and computing module 410, wherein：
Scan module 402, for utilizing the pad declaration form certainly in thread scans database.
Logging modle 404, is used for the writing scan time.
Acquisition module 406, for being obtained from the policy information of pad declaration form, policy information includes handing over to the date.
Whether judge module 408, reach from the friendship padding declaration form after judging to deduct preset time period sweep time
To the date.
Computing module 410, if for reaching after deducting preset time period sweep time from padding the friendship of declaration form to the date,
Then pull in database from the pad corresponding financial data of declaration form；Utilize financial data to calculate to enter to from pad declaration form
The deadline that row is paid for first；Calculate and pay for premium from pad declaration form first when reaching the deadline.
Logging modle 404 is additionally operable to recorded paying for premium first in pad declaration form corresponding account field.
In one embodiment, financial data include surrender value, the premium paid for first and current period premium, meter
Calculate module 410 to be additionally operable to calculate from the growth rate padding the corresponding surrender value of declaration form according to financial data；According to
The growth rate of surrender value, the premium paid for first and current period premium calculate to the cut-off paid for first from pad declaration form
Date.
In one embodiment, scan module 402 is additionally operable to utilize thread scans task list；Acquisition module 406
It is additionally operable to obtain the authority identification of record in task list；Obtain multiple mechanism according to authority identification corresponding from pad
The policy information of declaration form；Computing module 410 be additionally operable to utilize multiple thread to multiple mechanisms from pad declaration form
Policy information concurrently performs premium and pays for operation first.
In one embodiment, financial data includes remaining sum of paying the fees, and acquisition module 406 is additionally operable to be obtained from
Pad declaration form corresponding payment remaining sum；Whether judge module 408 is additionally operable to judge payment remaining sum more than from pad declaration form
Renew premium；Logging modle 404 is additionally operable to pay the fees remaining sum more than renewing premium from pad declaration form, then from paying
Expense remaining sum is deducted and renews the corresponding numerical value of premium, and by this records of values to from the pad corresponding account of declaration form
In field.
In one embodiment, acquisition module 406 is additionally operable to extract according to predeterminated frequency and waits to stop imitating declaration form；As
Shown in Fig. 5, this device also includes：Information generating module 412 and sending module 414, wherein：
For basis, information generating module 412, waits that stopping corresponding the waiting of effect declaration form generation stops imitating information.
Sending module 414, for waiting that stopping effect information sends to client terminal.
In one embodiment, as shown in Figure 6, provide a kind of premium and pay for system first, including：Server
602 and client terminal 604, wherein：
Server 602, for being obtained from the policy information of pad declaration form, policy information includes handing over to the date；When
When reaching to hand over to the date after the time deduction preset time period being obtained from pad declaration form, pull from the finance padding declaration form
Data, utilize financial data to calculate to from pad deadline of paying for first of declaration form and corresponding pay for premium first,
And generate pay for information first.
Client terminal 604, for receive server send pay for information first.
In one embodiment, financial data include surrender value, the premium paid for first and current period premium, clothes
Business device 602 is additionally operable to calculate from the growth rate padding the corresponding surrender value of declaration form according to financial data；According to moving back
The growth rate of insurance money volume, the premium paid for first and current period premium calculate to the deadline paid for first from pad declaration form
Phase.
In one embodiment, financial data includes remaining sum of paying the fees, and server 602 is additionally operable to be obtained from pad
Declaration form corresponding payment remaining sum；Judge to pay the fees remaining sum whether more than renewing premium from pad declaration form；If so, then
From payment remaining sum, deduct and renew the corresponding numerical value of premium, by this records of values to from the pad corresponding account of declaration form
In mesh field, and generate the information of deduction payment remaining sum；Client terminal 604 is additionally operable to receive server
The information of the deduction payment remaining sum that 602 send.
In one embodiment, server 602 is additionally operable to utilize thread scans task list, obtains in task list
The authority identification of record；Obtain multiple mechanism according to authority identification corresponding from the policy information padding declaration form；Profit
Concurrently perform premium by the policy information from pad declaration form to multiple mechanisms for multiple threads and pay for operation first.
In one embodiment, server 602 is additionally operable to extract according to predeterminated frequency and waits to stop imitating declaration form, according to
Wait that stopping corresponding the waiting of effect declaration form generation stops imitating information；Client terminal 604 is additionally operable to receive server 602
Send wait stop imitate information.
Each technical characteristic of above example can combine arbitrarily, for making description succinct, not to above-mentioned
The all possible combination of each technical characteristic in embodiment is all described, but, as long as these technology are special
There is not contradiction in the combination levied, is all considered to be the scope that this specification is recorded.
Above example only have expressed the several embodiments of the present invention, and it describes more concrete and detailed, but
Can not therefore be construed as limiting the scope of the patent.It should be pointed out that, general for this area
For logical technical staff, without departing from the inventive concept of the premise, some deformation can also be made and improve,
These broadly fall into protection scope of the present invention.Therefore, the protection domain of patent of the present invention should be wanted with appended right
Ask and be as the criterion.
Claims (10)
1. premium pays for a method first, and described method includes：
Utilize the pad declaration form certainly in thread scans database, writing scan time；
Obtaining described from the policy information padding declaration form, described policy information includes handing over to the date；
Judge whether reach the described friendship from pad declaration form described sweep time after deducting preset time period to the date；
If so, then pull described from the pad corresponding financial data of declaration form in database；
Described financial data is utilized to calculate to the described deadline paid for first from pad declaration form；
Calculate and described pay for premium from pad declaration form first when reaching the deadline, and pay for premium record first by described
To described in pad declaration form corresponding account field.
2. method according to claim 1, it is characterised in that described financial data include surrender value,
The premium paid for first and current period premium, described utilize described financial data calculate to described from pad declaration form pad
The deadline paid includes：
From the growth rate padding the corresponding surrender value of declaration form according to described financial data calculates；
Growth rate according to described surrender value, the described premium paid for first and current period premium calculate to described from
The deadline that pad declaration form is paid for first.
3. method according to claim 1, it is characterised in that described method also includes：
Utilize thread scans task list, obtain the authority identification of record in task list；
Obtain multiple mechanism according to authority identification corresponding from the policy information padding declaration form；
Utilize multiple thread concurrently to perform premium to the policy information from pad declaration form of multiple mechanisms and pay for operation first.
4. method according to claim 1, it is characterised in that described financial data includes that payment is remaining
Volume, pulls described after the pad corresponding financial data of declaration form in database described, also includes：
Obtain described from pad declaration form corresponding payment remaining sum；
Judge that whether described payment remaining sum renews premium more than described from pad declaration form；
If so, then from described payment remaining sum, deduction renews the corresponding numerical value of premium with described, and by described number
Value record pads in declaration form corresponding account field certainly to described.
5. method according to claim 1, it is characterised in that existing from pad declaration form described in described calculating
Pay for premium first when reaching the deadline, and described premium of paying for first be recorded described from the pad corresponding account of declaration form
After in mesh field, also include：
Extract according to predeterminated frequency and wait to stop imitating declaration form；
Wait that stopping corresponding the waiting of effect declaration form generation stops imitating information according to described；
Wait that stopping effect information sends to client terminal by described.
6. a premium pays for device first, it is characterised in that described device includes：
Scan module, for utilizing the pad declaration form certainly in thread scans database；
Logging modle, is used for the writing scan time；
Acquisition module, described from the policy information padding declaration form for obtaining, described policy information include handing over to
Date；
Judge module, is used for judging that whether reaching described described sweep time after deducting preset time period protects from pad
Single friendship is to the date；
Computing module, if reach described from the friendship padding declaration form after deducting preset time period described sweep time
To the date, then pull described from the pad corresponding financial data of declaration form in database；Utilize described financial data
Calculate to the described deadline paid for first from pad declaration form；Calculate the described declaration form of pad certainly and reach the deadline
When pay for premium first；
Described logging modle is additionally operable to recorded described from pad declaration form corresponding account field by described premium of paying for first
In.
7. device according to claim 6, it is characterised in that described scan module is additionally operable to utilize line
Journey scan task table；Described acquisition module is additionally operable to obtain the authority identification of record in task list；According to mechanism
It is corresponding from the policy information padding declaration form that mark obtains multiple mechanism；Described computing module is additionally operable to utilize multiple
The policy information from pad declaration form to multiple mechanisms for the thread concurrently performs premium and pays for operation first.
8. device according to claim 6, it is characterised in that described acquisition module is additionally operable to according in advance
If decimation in frequency is waited to stop imitating declaration form；
Described device also includes：
According to described, information generating module, for waiting that stopping corresponding the waiting of effect declaration form generation stops imitating information；
By described, sending module, for waiting that stopping effect information sends to client terminal.
9. a premium pays for system first, it is characterised in that described system includes：
Server, described from the policy information padding declaration form for obtaining, described policy information includes handing over the Summer Solstice or the Winter Solstice
Phase；When reaching described friendship to the date after the time deduction preset time period obtaining the described declaration form of pad certainly, pull
Described from the financial data padding declaration form, utilize described financial data to calculate and certainly pad what declaration form was paid for first to described
Deadline and corresponding premium of paying for first, and generate pay for information first；
Client terminal, for receive described server send pay for information first.
10. system according to claim 8, it is characterised in that described server is additionally operable to according in advance
If decimation in frequency is waited to stop imitating declaration form, wait that stopping corresponding the waiting of effect declaration form generation stops imitating information according to described；Institute
State client terminal and be additionally operable to receive that described server sends waits to stop imitating information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610185859.3A CN106447498A (en) | 2016-03-29 | 2016-03-29 | Insurance policy advance payment method, device and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610185859.3A CN106447498A (en) | 2016-03-29 | 2016-03-29 | Insurance policy advance payment method, device and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106447498A true CN106447498A (en) | 2017-02-22 |
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ID=58183130
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201610185859.3A Pending CN106447498A (en) | 2016-03-29 | 2016-03-29 | Insurance policy advance payment method, device and system |
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| Country | Link |
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| CN (1) | CN106447498A (en) |
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| CN107862613A (en) * | 2017-08-24 | 2018-03-30 | 平安科技（深圳）有限公司 | Premium paying method, premium pay equipment and readable storage medium storing program for executing |
| CN108399573A (en) * | 2017-12-20 | 2018-08-14 | 平安科技（深圳）有限公司 | Electronic device, long-range declaration form go out folk prescription method and storage medium |
| CN108416680A (en) * | 2017-11-28 | 2018-08-17 | 中国平安财产保险股份有限公司 | Declaration form pays for allocator and terminal device first |
| CN110992192A (en) * | 2019-11-25 | 2020-04-10 | 泰康保险集团股份有限公司 | Disaster-stricken rescue method, device, equipment and computer-readable storage medium |
| CN112767174A (en) * | 2019-10-21 | 2021-05-07 | 腾讯科技（深圳）有限公司 | Vehicle insurance application method, device, terminal, server and storage medium |
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| CN107862613A (en) * | 2017-08-24 | 2018-03-30 | 平安科技（深圳）有限公司 | Premium paying method, premium pay equipment and readable storage medium storing program for executing |
| WO2019037454A1 (en) * | 2017-08-24 | 2019-02-28 | 平安科技（深圳）有限公司 | Premium payment method, apparatus, device, and readable storage medium |
| CN108416680A (en) * | 2017-11-28 | 2018-08-17 | 中国平安财产保险股份有限公司 | Declaration form pays for allocator and terminal device first |
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| CN112767174A (en) * | 2019-10-21 | 2021-05-07 | 腾讯科技（深圳）有限公司 | Vehicle insurance application method, device, terminal, server and storage medium |
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| CN110992192A (en) * | 2019-11-25 | 2020-04-10 | 泰康保险集团股份有限公司 | Disaster-stricken rescue method, device, equipment and computer-readable storage medium |
| CN110992192B (en) * | 2019-11-25 | 2023-03-21 | 泰康保险集团股份有限公司 | Disaster-stricken rescue method, device, equipment and computer-readable storage medium |
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