CN106934584B - Breakpoint underwriting method and system of group insurance policy - Google Patents
Breakpoint underwriting method and system of group insurance policy Download PDFInfo
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- CN106934584B CN106934584B CN201511019637.6A CN201511019637A CN106934584B CN 106934584 B CN106934584 B CN 106934584B CN 201511019637 A CN201511019637 A CN 201511019637A CN 106934584 B CN106934584 B CN 106934584B
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Abstract
The invention discloses a breakpoint underwriting method and a breakpoint underwriting system of a group insurance policy, wherein the breakpoint underwriting method and the breakpoint underwriting system control an insurance policy to enter an underwriting stage by receiving an underwriting instruction of the insurance policy, and generate a first preset state mark for each insured in the insurance policy; acquiring the number of insureds in the insurance policy; when the insuring policy enters the underwriting stage from the policy recording stage, adopting the corresponding underwriting rule to conduct underwriting operation on the insuring policy according to the number of insureds in the insuring policy; when abnormal interruption of the application insurance policy is detected in the insurance acceptance process and the abnormal interruption returns to normal, adopting a corresponding insurance acceptance rule to continue insurance acceptance operation on the application insurance policy according to the number of insureds carrying the first preset state mark in the application insurance policy with the abnormal interruption; the method has the advantages that when abnormal data interruption occurs to the insurance policy in the insurance underwriting process, data recovery can be conveniently carried out, and the insurance underwriting operation of the insurance policy can be continuously executed.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a breakpoint underwriting method and system of a group policy.
Background
With the continuous development and progress of science and technology and the continuous improvement of the living standard of people, the requirements of people on the quality of life are gradually improved, and the insurance awareness of people is continuously enhanced. Consequently, the number of user insurance policies underwritten by various insurance companies is increasing.
When the insurance policy corresponding to the batch group insurance is undertaken, for example, when the insurance policy is undertaken for a large insurance policy when the insurance policy is undertaken for tens of thousands of people or hundreds of thousands of people, in the process of undertaking the insurance for the large insurance policy, if the system is interrupted abnormally, such as version or database updating, accidentally, the insurance data which takes several hours is only written in half and is interrupted abnormally, at the moment, if the data recovery is carried out on the interrupted group insurance policy, a professional computer information technician is required to carry out data deletion and rollback on dozens of forms on the abnormally interrupted group insurance policy data, the workload is huge, errors are very easy, and the insurance duration is very low.
Disclosure of Invention
In view of the above, it is desirable to provide a breakpoint underwriting method and system for group insurance policy, which are used to: when abnormal data interruption occurs to the insurance policy in the insurance acceptance process, the data recovery can be conveniently carried out and the insurance acceptance operation of the insurance policy can be continuously executed.
The invention discloses a breakpoint underwriting method of a group policy, which comprises the following steps:
receiving a list recording instruction of an application insurance policy, controlling the application insurance policy to enter a list recording stage, and generating a first preset state mark for each insured in the application insurance policy;
acquiring the number of insureds in the application insurance policy;
when the insuring policy enters an underwriting stage from the policy recording stage, adopting a corresponding underwriting rule to conduct underwriting operation on the insuring policy according to the number of insureds in the insuring policy;
and when detecting that the application insurance policy is abnormally interrupted in the application insurance process and the abnormal interruption is recovered to be normal, adopting a corresponding insurance rule to continue the application insurance operation on the application insurance policy according to the number of insureds carrying the first preset state mark in the application insurance policy with the abnormal interruption.
Preferably, when the insurance policy is entered into the underwriting stage from the entry stage, the underwriting operation is performed on the insurance policy by adopting the corresponding underwriting rule according to the number of insureds in the insurance policy, including:
when the insuring insurance policy enters an underwriting stage from the recording stage, if the number of the insured persons in the insuring insurance policy is less than the preset number, executing underwriting operation on the insured persons in the insuring insurance policy according to a first underwriting rule;
and when the insurance policy is entered into the underwriting stage from the recording stage, if the number of the insured persons in the insurance policy is greater than or equal to the preset number, executing underwriting operation on the insured persons in the insurance policy according to a second underwriting rule.
Preferably, when it is detected that the application insurance policy is abnormally interrupted in the insurance acceptance process and the abnormal interruption returns to normal, the application insurance policy continues to be subjected to the insurance acceptance operation by adopting the corresponding insurance acceptance rule according to the number of insureds carrying the first preset state flag in the application insurance policy with the abnormal interruption, including:
detecting that the insurable insurance policy is abnormally interrupted in the insurance acceptance process and acquiring the number of insureds carrying the first preset state mark in the insurable insurance policy which is abnormally interrupted when the abnormal interruption returns to normal;
if the number of the insured persons is less than the preset number, executing underwriting operation on the insured persons carrying the first preset state mark according to a first underwriting rule;
and if the number of the insured persons is larger than or equal to the preset number, executing underwriting operation on the insured persons carrying the second preset state mark according to a second underwriting rule.
Preferably, the first underwriting rule comprises:
after all the insureds in the application insurance policy are subjected to insurance acceptance operation, replacing the first preset state mark of each insured in the application insurance policy with a second preset state mark, and submitting the insurance acceptance data corresponding to all the insureds in the application insurance policy to an insurance database;
the second underwriting rule comprises:
and according to a preset data processing rule, executing underwriting operation on the insureds in the insurance policy in stages, correspondingly replacing the first preset state marks of the insureds in the insurance policy with the second preset state marks in stages, and submitting underwriting data corresponding to the insureds in the insurance policy to the insurance database in stages.
Preferably, the preset data processing rule includes:
after the insurance acceptance operation of a preset number of insureds is finished, replacing the first preset state marks corresponding to the finished preset number of insureds with second preset state marks, and submitting the finished insurance acceptance data corresponding to the preset number of insureds to the insurance database;
and if the number of the remaining insured persons without the underwriting operation is less than the preset number, replacing the first preset state marks corresponding to all the remaining insured persons with second preset state marks after the underwriting operation of all the remaining insured persons is executed, and submitting the underwriting data corresponding to all the remaining insured persons to the insurance database.
Preferably, the receiving a policy recording instruction of an application policy, controlling the application policy to enter a policy recording stage, and generating a first preset status flag for each insured in the application policy, and then further comprises the steps of:
when the insurable insurance policy enters an underwriting stage from the recording stage, executing underwriting operation on each insured in the insurable insurance policy;
replacing the first preset state mark of each insured who finishes underwriting operation with a second preset state mark, and submitting underwriting data corresponding to each insured who finishes underwriting operation to an insurance database;
detecting that the insurance policy is abnormally interrupted in the insurance acceptance process and determining that the insurance policy which is abnormally interrupted carries the insured information of the first preset state mark when the abnormal interruption returns to normal;
executing underwriting operation on the insured carrying the first preset state mark according to the insured information;
and replacing the first preset state mark of the insured person who finishes the underwriting operation with a second preset state mark, and submitting underwriting data corresponding to the insured person who finishes the underwriting operation to an insurance database.
Corresponding to the breakpoint underwriting method of the group insurance policy, the invention also discloses a breakpoint underwriting system of the group insurance policy, which comprises the following steps:
the system comprises an instruction receiving module, a data processing module and a data processing module, wherein the instruction receiving module is used for receiving a list recording instruction of an insurance policy, controlling the insurance policy to enter a list recording stage and generating a first preset state mark for each insured in the insurance policy;
the number obtaining module is used for obtaining the number of the insured persons in the insurance policy;
the normal underwriting module is used for underwriting the insurance policy for the insurance policy by adopting a corresponding underwriting rule according to the number of insureds in the insurance policy when the insurance policy enters an underwriting stage from the entry stage;
and the abnormal insurance acceptance module is used for detecting that the insurable list is abnormally interrupted in the insurance acceptance process and adopting a corresponding insurance acceptance rule to continue insurance acceptance operation on the insurable list according to the number of insureds carrying the first preset state mark in the insurable list with the abnormal interruption when the abnormal interruption is recovered to be normal.
Preferably, the normal underwriting module comprises:
the first normal underwriting unit is used for executing underwriting operation on the insured persons in the insurance policy according to a first underwriting rule if the number of the insured persons in the insurance policy is less than the preset number when the insurance policy enters the underwriting stage from the entry stage;
and the second normal underwriting unit is used for executing underwriting operation on the insured persons in the insurance policy according to a second underwriting rule if the number of the insured persons in the insurance policy is greater than or equal to the preset number when the insurance policy enters the underwriting stage from the entry stage.
Preferably, the exception underwriting module comprises:
the detection unit is used for detecting that the insurable list is abnormally interrupted in the insurable process and acquiring the number of insureds carrying the first preset state mark in the insurable list with abnormal interruption when the abnormal interruption returns to normal;
the first abnormal underwriting unit is used for executing underwriting operation on the insured carrying the first preset state mark according to a first underwriting rule if the number of the insured is smaller than the preset number;
and the second abnormal underwriting unit is used for executing underwriting operation on the insured carrying the second preset state mark according to a second underwriting rule if the number of the insured is greater than or equal to the preset number.
Preferably, the normal underwriting module is further configured to:
when the insurable insurance policy enters an underwriting stage from the recording stage, executing underwriting operation on each insured in the insurable insurance policy;
replacing the first preset state mark of each insured who finishes underwriting operation with a second preset state mark, and submitting underwriting data corresponding to each insured who finishes underwriting operation to an insurance database;
the exception underwriting module is further to:
detecting that the insurance policy is abnormally interrupted in the insurance acceptance process and determining that the insurance policy which is abnormally interrupted carries the insured information of the first preset state mark when the abnormal interruption returns to normal;
executing underwriting operation on the insured carrying the first preset state mark according to the insured information;
and replacing the first preset state mark of the insured person who finishes the underwriting operation with a second preset state mark, and submitting underwriting data corresponding to the insured person who finishes the underwriting operation to an insurance database.
The breakpoint underwriting method and system of the group insurance policy can achieve the following beneficial effects:
controlling the insurance policy to enter a policy recording stage by receiving a policy recording instruction of the insurance policy, and generating a first preset state mark for each insured in the insurance policy; acquiring the number of insureds in the application insurance policy; when the insuring policy enters an underwriting stage from the policy recording stage, adopting a corresponding underwriting rule to conduct underwriting operation on the insuring policy according to the number of insureds in the insuring policy; when abnormal interruption of the insurance policy is detected in the insurance acceptance process and the abnormal interruption returns to normal, adopting a corresponding insurance acceptance rule to continue insurance acceptance operation on the insurance policy according to the number of insureds carrying the first preset state mark in the insurance policy with the abnormal interruption; the method has the advantages that when abnormal data interruption occurs to the insurance policy in the insurance underwriting process, data recovery can be conveniently carried out, and the insurance underwriting operation of the insurance policy can be continuously executed, so that the insurance underwriting efficiency is improved, and the error rate of the insurance underwriting data is reduced.
Drawings
FIG. 1 is a flow chart of an embodiment of the breakpoint underwriting method of the group policy of the present invention;
FIG. 2 is a flowchart illustrating an embodiment of step S12 in the embodiment of FIG. 1 in the breakpoint underwriting method of the group policy according to the present invention;
FIG. 3 is a flowchart illustrating an embodiment of step S13 in the embodiment of FIG. 1 in the breakpoint underwriting method of the group policy according to the present invention;
FIG. 4 is a flowchart illustrating another embodiment of a breakpoint underwriting method of a group policy according to the present invention;
FIG. 5 is a block diagram of one embodiment of a breakpoint underwriting system of the group policy of the present invention;
FIG. 6 is a block diagram of one embodiment of a normal underwriting module 80 in the embodiment of FIG. 5 in the breakpoint underwriting system of the group policy of the present invention;
FIG. 7 is a block diagram of one embodiment of an exception underwriting module 90 in the embodiment of FIG. 5 in the breakpoint underwriting system of the group policy of the present invention;
FIG. 8 is a block diagram of another embodiment of the breakpoint underwriting system of the community policy of the present invention.
The implementation, functional features and advantages of the objects of the embodiments of the present invention will be further described with reference to the accompanying drawings.
Detailed Description
The technical scheme of the invention is further explained by combining the drawings and the specific embodiments in the specification. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
The invention provides a breakpoint underwriting method of a group insurance policy, which is used for: when abnormal data interruption occurs in the insurance policy underwriting process, the data recovery can be conveniently carried out, the insurance operation of the insurance policy can be continuously executed, the insurance underwriting efficiency is improved, and the error rate of the insurance underwriting data is reduced. As shown in FIG. 1, the breakpoint underwriting method of the group policy of the present invention can be implemented as steps S10-S13 as follows:
step S10, receiving a list recording instruction of an insurance policy, controlling the insurance policy to enter a list recording stage, and generating a first preset state mark for each insured in the insurance policy;
in the embodiment of the invention, when the underwriting system receives the order recording command of the insurance policy, the insurance policy is controlled to enter the order recording stage; when an insurance policy enters a policy recording stage, the underwriting system generates a corresponding first preset state mark for each insured under the insurance policy; wherein, the first preset state mark marks the insurance acceptance stage corresponding to the insured person. For example, in one embodiment, the first preset status flag may be: and marking the state to be insured.
Step S11, acquiring the number of insureds in the insurance policy;
step S12, when the insurance policy is entered into the underwriting stage from the recording stage, underwriting operation is carried out on the insurance policy by adopting corresponding underwriting rules according to the number of insureds in the insurance policy;
the underwriting system obtains the number of the insured persons in the insurance policy, because when the insurance policy enters the underwriting stage from the entry stage, the underwriting system correspondingly adopts the corresponding underwriting rule to underwrit the insurance policy according to the specific number of the insured persons in the insurance policy.
For example, when the number of insured persons in the insurance policy is less than a predetermined number, for example, if the number of insured persons in the insurance policy is 3, the state flag corresponding to all insured persons in the insurance policy is changed after all insured persons in the insurance policy have been subjected to the insurance acceptance operation in batch directly, and the insurance data corresponding to all insured persons in the insurance policy is submitted to the insurance database together. If the number of the insured persons in the insurance policy is greater than or equal to a preset number, for example, the insured persons in the insurance policy are 10 persons, the corresponding underwriting operation is executed to the insured persons in the insurance policy in batches.
And step S13, detecting that the insurable insurance policy is abnormally interrupted in the insurable course and when the abnormal interruption returns to normal, adopting a corresponding insurable rule to continue the insurable insurance operation on the insurable insurance policy according to the number of insureds carrying the first preset state mark in the insurable insurance policy which is abnormally interrupted.
If the insurable list is subjected to abnormal data interruption in the insurable process (for example, abnormal conditions such as sudden power failure and restart of the insurable system occur), and the abnormal data interruption returns to normal, the insurable system detects that the insurable list is subjected to abnormal interruption in the insurable process and determines the number of insureds carrying the first preset state mark in the insurable list when the abnormal interruption returns to normal. The insurance policy carrying the first preset state mark is adopted to carry out insurance acceptance operation on the insurance policy continuously according to the corresponding insurance acceptance rule when the insurance policy carrying the first preset state mark is determined to have abnormal data interruption because the carrying of the first preset state mark indicates that the corresponding insurance acceptance operation of the insurance policy by the insurance system is not finished; that is, corresponding underwriting operations are executed for the insured life carrying the first preset state flag, so that each insured life in the insurance policy executes corresponding insurance work.
The invention relates to a breakpoint underwriting method of a group insurance policy, which comprises the steps of receiving a policy recording instruction of an insurance policy, controlling the insurance policy to enter a policy recording stage, and generating a first preset state mark for each insured in the insurance policy; acquiring the number of insureds in the application insurance policy; when the insuring policy enters an underwriting stage from the policy recording stage, adopting a corresponding underwriting rule to conduct underwriting operation on the insuring policy according to the number of insureds in the insuring policy; when abnormal interruption of the insurance policy is detected in the insurance acceptance process and the abnormal interruption returns to normal, adopting a corresponding insurance acceptance rule to continue insurance acceptance operation on the insurance policy according to the number of insureds carrying the first preset state mark in the insurance policy with the abnormal interruption; the method has the advantages that when abnormal data interruption occurs to the insurance policy in the insurance underwriting process, data recovery can be conveniently carried out, and the insurance underwriting operation of the insurance policy can be continuously executed, so that the insurance underwriting efficiency is improved, and the error rate of the insurance underwriting data is reduced.
Referring to fig. 2 based on the description of the embodiment illustrated in fig. 1, fig. 2 is a flowchart illustrating an embodiment of step S12 in the embodiment illustrated in fig. 1 in the breakpoint underwriting method of the group policy according to the present invention. As shown in fig. 2, in the breakpoint underwriting method of the group policy of the present invention, in the embodiment shown in fig. 1, "step S12, when the insurance policy enters the underwriting stage from the entry stage, performing underwriting operation on the insurance policy by using the corresponding underwriting rule according to the number of insureds in the insurance policy" may be implemented as steps S121 to S122 described as follows:
step S121, when the insurance policy is entered into an underwriting stage from the entry stage, if the number of insureds in the insurance policy is less than a preset number, executing underwriting operation on the insureds in the insurance policy according to a first underwriting rule;
and S122, when the insurance policy is entered into an underwriting stage from the entry stage, if the number of the insureds in the insurance policy is greater than or equal to the preset number, executing underwriting operation on the insured in the insurance policy according to a second underwriting rule.
In the embodiment of the invention, a threshold value, namely the described preset numerical value, is preset, the number of insured persons of the current insurance policy is compared with the preset numerical value, and the corresponding insurance acceptance operation of the insured persons in the current insurance policy is determined to be executed by adopting the first insurance policy or the second insurance policy according to the comparison result.
For example, if the number of insured persons in the current insurance policy is less than the preset number, executing the insurance acceptance operation on the insured person in the insurance policy by adopting a first insurance acceptance rule; and if the number of the insured persons in the current insurance policy is greater than or equal to the preset number, executing the insurance acceptance operation on the insured persons in the insurance policy by adopting a second insurance acceptance rule.
In the embodiment of the present invention, the preset numerical values may be set by the underwriting system according to the frequency and the nature of the abnormal interruption occurrence condition, or may be set by a background technician. For example, an underwriting system sets the preset value to 5.
In the embodiment of the present invention, the first underwriting rule may be understood as: all the insureds in the insurance policy are processed in batch at one time; in a preferred embodiment, the first underwriting rule includes: and after all the insureds in the application insurance policy are subjected to insurance acceptance operation, replacing the first preset state mark of each insured in the application insurance policy with a second preset state mark, and submitting the insurance acceptance data corresponding to all the insureds in the application insurance policy to an insurance database.
The second underwriting rule may be understood as: processing the corresponding insured persons in the insurance policy in batches by stages; in a preferred embodiment, the second underwriting rule comprises: and according to a preset data processing rule, executing underwriting operation on the insureds in the insurance policy in stages, correspondingly replacing the first preset state marks of the insureds in the insurance policy with the second preset state marks in stages, and submitting underwriting data corresponding to the insureds in the insurance policy to the insurance database in stages.
In a preferred embodiment, the preset data processing rule includes:
after the insurance acceptance operation of a preset number of insureds is finished, replacing the first preset state marks corresponding to the finished preset number of insureds with second preset state marks, and submitting the finished insurance acceptance data corresponding to the preset number of insureds to the insurance database; and if the number of the remaining insured persons without the underwriting operation is less than the preset number, replacing the first preset state marks corresponding to all the remaining insured persons with second preset state marks after the underwriting operation of all the remaining insured persons is executed, and submitting the underwriting data corresponding to all the remaining insured persons to the insurance database.
Referring to fig. 3, fig. 3 is a flowchart of an embodiment of step S13 in the embodiment of fig. 1 in the breakpoint underwriting method of the group policy according to the present invention, according to the embodiment described in fig. 1 and fig. 2. As shown in fig. 3, in the breakpoint underwriting method of the group policy of the present invention, in the embodiment shown in fig. 1, "step S13, when detecting that the insurance policy is abnormally interrupted in the underwriting process and when the abnormal interruption is recovered to normal, according to the number of insureds carrying the first preset status flag in the insurance policy that is abnormally interrupted, adopting the corresponding underwriting rule to continue the underwriting operation on the insurance policy" may be implemented as steps S131 to S132 described below:
s131, when detecting that the insurable insurance policy is abnormally interrupted in the insurance acceptance process and when the abnormal interruption returns to normal, acquiring the number of insureds carrying the first preset state mark in the insurable insurance policy with the abnormal interruption;
in the embodiment of the invention, if the insurance policy has abnormal data interruption in the insurance acceptance process, for example, the insurance acceptance system has an abnormal condition such as sudden power failure and restart, and the abnormal data interruption returns to normal, the insurance acceptance system detects that the insurance policy has abnormal interruption in the insurance acceptance process and obtains the number of insureds carrying the first preset state mark in the insurance policy when the abnormal data interruption returns to normal. Since the state mark carrying the first preset state mark, such as the to-be-underwritten state mark, indicates that the underwriting system does not complete the corresponding underwriting operation for the insured person, when the underwriting system needs to determine that abnormal data interruption occurs, the number of the insured persons carrying the first preset state mark in the insurance policy is convenient for the insured person who does not complete the underwriting operation to continue to execute the corresponding underwriting operation.
Step S132, if the number of the insureds is smaller than the preset number, executing underwriting operation on the insured carrying the first preset state mark according to a first underwriting rule; and if the number of the insured persons is larger than or equal to the preset number, executing underwriting operation on the insured persons carrying the second preset state mark according to a second underwriting rule.
In the embodiment of the present invention, when the underwriting system continues to perform the underwriting operation on the insured life carrying the first preset underwriting status flag, the underwriting operation performed on the insured life in the insurable list by the underwriting system under the normal condition in the embodiment described in fig. 2 can be performed.
For example, after the abnormal interruption is recovered to normal, the underwriting system acquires the number of insureds carrying a first preset state mark, and if the number of the insureds is smaller than the preset number, the underwriting operation is executed on the insured carrying the first preset state mark according to a first underwriting rule; and if the number of the insured persons is larger than or equal to the preset number, executing underwriting operation on the insured persons carrying the second preset state mark according to a second underwriting rule.
The first underwriting rule in the embodiment of the present invention may be understood as: all the insureds in the insurance policy are processed in batch at one time; in a preferred embodiment, the first underwriting rule includes: and after all the insureds in the application insurance policy are subjected to insurance acceptance operation, replacing the first preset state mark of each insured in the application insurance policy with a second preset state mark, and submitting the insurance acceptance data corresponding to all the insureds in the application insurance policy to an insurance database. The second underwriting rule may be understood as: processing the corresponding insured persons in the insurance policy in batches by stages; in a preferred embodiment, the second underwriting rule comprises: and according to a preset data processing rule, executing underwriting operation on the insureds in the insurance policy in stages, correspondingly replacing the first preset state marks of the insureds in the insurance policy with the second preset state marks in stages, and submitting underwriting data corresponding to the insureds in the insurance policy to the insurance database in stages.
Based on the description of the embodiment shown in fig. 1, fig. 2, and fig. 3, the present invention further provides another implementation manner of the breakpoint underwriting method of the group policy, as shown in fig. 4, after "step S10 of the embodiment shown in fig. 1, receiving a policy recording instruction of an insurance policy, controlling the insurance policy to enter a policy recording stage, and generating a first preset status flag" for each insured in the insurance policy, the breakpoint underwriting method of the group policy of the present invention may further be implemented as steps S21-S25 described below:
step S21, when the insurable insurance policy enters the underwriting stage from the recording stage, executing underwriting operation on each insured in the insurable insurance policy;
step S22, replacing the first preset state mark of each insured person who finishes underwriting operation with a second preset state mark, and submitting underwriting data corresponding to each insured person who finishes underwriting operation to an insurance database;
step S23, when detecting that the insurance policy is abnormally interrupted in the insurance acceptance process and when the abnormal interruption returns to normal, determining that the insurance policy with the abnormal interruption carries the insured information of the first preset state mark;
step S24, executing underwriting operation to the insured carrying the first preset state mark according to the insured information;
and step S25, replacing the first preset state mark of the insured person who finishes the underwriting operation with the second preset state mark, and submitting the underwriting data corresponding to the insured person who finishes the underwriting operation to the insurance database.
In the embodiment of the invention, the underwriting system is used for the insured persons needing underwriting in the application insurance policy, and corresponding underwriting operations are executed on the insured persons by adopting the same processing mode regardless of the number of the insured persons in the application insurance policy, namely, the corresponding insured persons in the application insurance policy are executed at one time by adopting a batch processing mode.
When the insuring system detects that the insuring policy is abnormally interrupted due to an unexpected condition in the insuring process and the abnormal interruption is recovered to be normal, insuring information of an insured person carrying a first preset state mark in the insuring policy which is abnormally interrupted is determined, and then insuring operation is carried out on the insured person carrying the first preset state mark at one time by continuously adopting a batch processing mode according to the determined insuring information carrying the first preset state mark. And after the insurance underwriting operation is completed, submitting the corresponding insurance underwriting data to an insurance database at one time to complete the insurance underwriting of each insured in the insurance policy of the current time.
The breakpoint underwriting method of the group insurance policy controls the insurance policy to enter an insurance policy recording stage by receiving an insurance policy recording instruction of the insurance policy, and generates a first preset state mark for each insured in the insurance policy; when the insurable insurance policy enters an underwriting stage from the recording stage, executing underwriting operation on each insured in the insurable insurance policy; replacing the first preset state mark of each insured who finishes underwriting operation with a second preset state mark, and submitting underwriting data corresponding to each insured who finishes underwriting operation to an insurance database; detecting that the insurance policy is abnormally interrupted in the insurance acceptance process and determining that the insurance policy which is abnormally interrupted carries the insured information of the first preset state mark when the abnormal interruption returns to normal; executing underwriting operation on the insured carrying the first preset state mark according to the insured information; replacing the first preset state mark of the insured person who finishes underwriting operation with a second preset state mark, and submitting underwriting data corresponding to the insured person who finishes underwriting operation to an insurance database; the method has the advantages that when abnormal data interruption occurs to the insurance policy in the insurance underwriting process, data recovery can be conveniently carried out, and the insurance underwriting operation of the insurance policy can be continuously executed, so that the insurance underwriting efficiency is improved, and the error rate of the insurance underwriting data is reduced.
Corresponding to the breakpoint underwriting method of the group policy provided in the above fig. 1, fig. 2, fig. 3 and fig. 4, the present invention also provides a breakpoint underwriting system of the group policy; as shown in FIG. 5, the breakpoint underwriting system of the group insurance policy of the present invention comprises: the system comprises an instruction receiving module 60, a people number obtaining module 70, a normal underwriting module 80 and an abnormal underwriting module 90; wherein:
the instruction receiving module 60 is configured to receive a policy recording instruction of an insurance policy, control the insurance policy to enter a policy recording stage, and generate a first preset state flag for each insured in the insurance policy;
in the embodiment of the present invention, when the instruction receiving module 60 receives a list recording instruction of an insurance policy, the instruction receiving module controls the insurance policy to enter a list recording stage; when an insurance policy is put into the policy recording stage, the instruction receiving module 60 generates a corresponding first preset state mark for each insured life under the insurance policy; wherein, the first preset state mark marks the insurance acceptance stage corresponding to the insured person. For example, in one embodiment, the first preset status flag may be: and marking the state to be insured.
The number obtaining module 70 is configured to obtain the number of insureds in the insurance policy;
the normal underwriting module 80 is configured to, when the insurance policy is entered into the underwriting stage from the entry stage, underwriting the insurance policy for the insurance policy by using the corresponding underwriting rule according to the number of insureds in the insurance policy;
the number obtaining module 70 obtains the number of insured persons in the insurance policy, because when the insurance policy enters the underwriting stage from the entry stage, the normal underwriting module 80 correspondingly adopts the corresponding underwriting rule to underwrit the insurance policy according to the specific number of insured persons in the insurance policy.
For example, when the number of insured persons in the insurance policy is less than a predetermined number, for example, the number of insured persons in the insurance policy is 3, the normal underwriting module 80 directly performs the underwriting operation on all the insureds in the insurance policy in batch, changes the status flags corresponding to all the insured persons in the insurance policy, and submits the underwriting data corresponding to all the insured persons in the insurance policy to the insurance database. If the number of insureds in the insurance policy is greater than or equal to a predetermined number, for example, 10 insureds in the insurance policy, the normal underwriting module 80 performs corresponding underwriting operations on the insureds in the insurance policy in batches.
The abnormal insurance acceptance module 90 is configured to detect that the insurance policy is abnormally interrupted in the insurance acceptance process and when the abnormal interruption is recovered to normal, continue the insurance acceptance operation on the insurance policy by using a corresponding insurance acceptance rule according to the number of insureds carrying the first preset state flag in the insurance policy in which the abnormal interruption occurs.
If the insurance policy has abnormal data interruption in the insurance acceptance process (for example, abnormal conditions such as sudden power failure and restart of the insurance acceptance system) and the abnormal data interruption returns to normal, the abnormal insurance acceptance module 90 detects that the insurance policy has abnormal interruption in the insurance acceptance process and when the abnormal interruption returns to normal, the abnormal insurance acceptance module 90 determines the number of insureds carrying the first preset state mark in the insurance policy when the abnormal data interruption occurs. Since the state mark to be underwritten, for example, carried with the first preset state mark indicates that the normal underwriting module 80 has not completed the corresponding underwriting operation for the insured person, the abnormal underwriting module 90 adopts the corresponding underwriting rule to continue underwriting operation for the insured policy carrying with the first preset state mark according to the number of insured persons when the abnormal data interruption occurs; that is, the abnormal underwriting module 90 executes corresponding underwriting operations for the insured life carrying the first preset status flag, so that each insured life in the insurance policy executes corresponding insurance work.
The invention relates to a breakpoint underwriting system of a group insurance policy, which controls an insurance policy to enter an insurance policy entry stage by receiving an insurance policy entry instruction of the insurance policy, and generates a first preset state mark for each insured in the insurance policy; acquiring the number of insureds in the application insurance policy; when the insuring policy enters an underwriting stage from the policy recording stage, adopting a corresponding underwriting rule to conduct underwriting operation on the insuring policy according to the number of insureds in the insuring policy; when abnormal interruption of the insurance policy is detected in the insurance acceptance process and the abnormal interruption returns to normal, adopting a corresponding insurance acceptance rule to continue insurance acceptance operation on the insurance policy according to the number of insureds carrying the first preset state mark in the insurance policy with the abnormal interruption; the method has the advantages that when abnormal data interruption occurs to the insurance policy in the insurance underwriting process, data recovery can be conveniently carried out, and the insurance underwriting operation of the insurance policy can be continuously executed, so that the insurance underwriting efficiency is improved, and the error rate of the insurance underwriting data is reduced.
Based on the description of the embodiment shown in fig. 5, as shown in fig. 6, in the breakpoint underwriting system of the group policy of the present invention, the normal underwriting module 80 in the embodiment shown in fig. 5 includes: a first normal underwriting unit 801 and a second normal underwriting unit 802; wherein:
the first normal underwriting unit 801 is configured to, when the insurance policy enters the underwriting stage from the entry stage, execute underwriting operations on the insured persons in the insurance policy according to a first underwriting rule if the number of the insured persons in the insurance policy is smaller than a preset number;
the second normal underwriting unit 802 is configured to, when the insurance policy enters the underwriting stage from the entry stage, execute underwriting operations on the insured persons in the insurance policy according to a second underwriting rule if the number of the insured persons in the insurance policy is greater than or equal to the preset number.
In the embodiment of the present invention, a threshold value, i.e. the described preset value, is preset, and the normal underwriting module 80 compares the insured person number of the current insurance policy with the preset value, and determines that the first normal underwriting unit 801 executes the corresponding underwriting operation on the insured person in the current insurance policy by using the first underwriting rule or the second normal underwriting unit 802 by using the second underwriting rule according to the comparison result.
For example, if the number of insured persons in the current insurance policy is less than the preset number, the first normal underwriting unit 801 executes underwriting operation on the insured person in the insurance policy by using the first underwriting rule; if the number of insured persons in the current insurance policy is greater than or equal to the preset number, the second normal underwriting unit 802 executes underwriting operation on the insured person in the insurance policy by adopting the second underwriting rule.
In the embodiment of the present invention, the preset numerical values may be set by the underwriting system according to the frequency and the nature of the abnormal interruption occurrence condition, or may be set by a background technician. For example, an underwriting system sets the preset value to 5.
In the embodiment of the present invention, the first underwriting rule may be understood as: the first normal underwriting unit 801 batch processes all the insureds in the insurance policy at one time; in a preferred embodiment, the first underwriting rule includes: after all the insureds in the insurance policy are subjected to the insurance acceptance operation by the first normal insurance unit 801, the first preset state marks of all the insureds in the insurance policy are replaced by the second preset state marks, and the insurance data corresponding to all the insureds in the insurance policy are submitted to the insurance database.
The second underwriting rule may be understood as: the second normal underwriting unit 802 processes the corresponding insureds in the insurance policy in batches by stages; in a preferred embodiment, the second underwriting rule comprises: the second normal underwriting unit 802 performs underwriting operations on the insured in the insurance policy in stages according to preset data processing rules, and correspondingly replaces the first preset status flags of each insured in the insurance policy with the second preset status flags in stages, and submits the underwriting data corresponding to the insured in the insurance policy to the insurance database in stages.
In a preferred embodiment, the preset data processing rule includes:
after the insurance coverage operation of the insured persons with the preset number is completed, the second normal insurance coverage unit 802 replaces the first preset state marks corresponding to the insured persons with the second preset state marks, and submits the insurance coverage data corresponding to the insured persons with the preset number to the insurance database; if the number of the remaining insured persons without underwriting operation is less than the preset number, the second normal underwriting unit 802 replaces the first preset status flags corresponding to all the remaining insured persons with the second preset status flags after the underwriting operation of all the remaining insured persons is performed, and submits the underwriting data corresponding to all the remaining insured persons to the insurance database.
Based on the description of the embodiment shown in fig. 5 and fig. 6, as shown in fig. 7, in the breakpoint underwriting system of the group policy of the present invention, the exception underwriting module 90 in the embodiment shown in fig. 5 includes: a detection unit 901, a first anomaly underwriting unit 902 and a second anomaly underwriting unit 903; wherein:
the detecting unit 901 is configured to detect that an abnormal interruption occurs in the insurance policy in the insurance acceptance process and acquire the number of insureds carrying the first preset status flag in the insurance policy with the abnormal interruption when the abnormal interruption is recovered to normal;
in the embodiment of the present invention, if an abnormal data interruption occurs in the insurance policy in the insurance process, for example, an abnormal condition such as sudden power failure and restart of the insurance system occurs, and the abnormal data interruption returns to normal, the detection unit 901 detects that the abnormal interruption occurs in the insurance policy in the insurance process and when the abnormal interruption returns to normal, the detection unit 901 obtains the number of insureds carrying the first preset status flag in the insurance policy when the abnormal data interruption occurs. Since the carrying of the first preset status flag, for example, the status flag to be underwritten, indicates that the normal underwriting module 80 has not completed the corresponding underwriting operation for the insured person, when the detection unit 901 in the abnormal underwriting module 90 needs to determine that abnormal data interruption occurs, the number of insureds carrying the first preset status flag in the insurance policy is greater than or equal to the number of insured persons carrying the first preset status flag, so that other corresponding function modules continue to execute the corresponding underwriting operation for the insured person who has not completed the underwriting operation.
The first abnormal underwriting unit 902 is configured to, if the number of the insured persons is smaller than a preset number, perform underwriting operation on the insured persons carrying the first preset status flag according to a first underwriting rule;
the second abnormal underwriting unit 903 is configured to, if the number of the insured persons is greater than or equal to the preset number, perform underwriting operation on the insured persons carrying the second preset state flag according to a second underwriting rule.
In the embodiment of the present invention, when the abnormal underwriting module 90 continues to perform the underwriting operation on the insured person carrying the first preset underwriting status flag, the normal underwriting module 80 may perform the underwriting operation on the insured person in the insuring policy under the normal condition.
For example, after the abnormal interruption is recovered to normal, the detecting unit 901 obtains the number of insureds carrying a first preset state flag, and if the number of the insureds is smaller than the preset number, the first abnormal underwriting unit 902 executes underwriting operation on the insured carrying the first preset state flag according to a first underwriting rule; if the number of the insured persons is greater than or equal to the preset number, the second abnormal underwriting unit 903 executes underwriting operation on the insured persons carrying the second preset state flag according to a second underwriting rule.
The first underwriting rule in the embodiment of the present invention may be understood as: the first abnormal underwriting unit 902 batch processes all the insureds in the application insurance policy at one time; in a preferred embodiment, the first underwriting rule includes: after all the insureds in the insurance policy are executed by the first abnormal insurance acceptance unit 902, the first preset state flag of each insured in the insurance policy is replaced by the second preset state flag, and the corresponding insurance data of all insureds in the insurance policy are submitted to the insurance database. The second underwriting rule may be understood as: the second abnormal underwriting unit 903 processes corresponding insureds in the application insurance policy in batches by stages; in a preferred embodiment, the second underwriting rule comprises: the second abnormal underwriting unit 903 executes underwriting operations on the insured persons in the insurance policy in stages according to preset data processing rules, replaces the first preset state marks of the insured persons in the insurance policy with second preset state marks in stages correspondingly, and submits underwriting data corresponding to the insured persons in the insurance policy to the insurance database in stages.
Based on the description of the embodiment shown in fig. 5, fig. 6 and fig. 7, the present invention further provides another embodiment of the breakpoint underwriting system of the group insurance policy, as shown in fig. 8, the breakpoint underwriting system of the group insurance policy of the present invention only includes the instruction receiving module 60, the normal underwriting module 80 and the abnormal underwriting module 90 in the embodiment shown in fig. 5; wherein:
the instruction receiving module 60 is configured to receive a policy recording instruction of an insurance policy, control the insurance policy to enter a policy recording stage, and generate a first preset state flag for each insured in the insurance policy;
the normal underwriting module 80 is configured to:
when the insurable insurance policy enters an underwriting stage from the recording stage, executing underwriting operation on each insured in the insurable insurance policy; replacing the first preset state mark of each insured who finishes underwriting operation with a second preset state mark, and submitting underwriting data corresponding to each insured who finishes underwriting operation to an insurance database;
the anomaly underwriting module 90 is configured to:
detecting that the insurance policy is abnormally interrupted in the insurance acceptance process and determining that the insurance policy which is abnormally interrupted carries the insured information of the first preset state mark when the abnormal interruption returns to normal; executing underwriting operation on the insured carrying the first preset state mark according to the insured information; and replacing the first preset state mark of the insured person who finishes the underwriting operation with a second preset state mark, and submitting underwriting data corresponding to the insured person who finishes the underwriting operation to an insurance database.
In the embodiment of the present invention, the normal underwriting module 80, for the insured persons who need underwriting in the insurance policy, regardless of the number of the insured persons in the insurance policy, executes the corresponding underwriting operations on the insured persons in the same processing manner, that is, executes the corresponding underwriting operations on the insured persons in the insurance policy at one time in a batch processing manner.
When the abnormal insurance acceptance module 90 detects that the insurable list is abnormally interrupted due to an unexpected condition in the insurance acceptance process and the abnormal interruption is recovered to be normal, the insurable list carrying the first preset state mark in which the abnormal interruption occurs is determined, and then the insurable people carrying the first preset state mark are executed with the insurance acceptance operation at one time by continuously adopting a batch processing mode according to the determined insurable information carrying the first preset state mark. And after the insurance underwriting operation is completed, submitting the corresponding insurance underwriting data to an insurance database at one time to complete the insurance underwriting of each insured in the insurance policy of the current time.
The breakpoint underwriting system of the group insurance policy controls the insurance policy to enter an insurance policy recording stage by receiving an insurance policy recording instruction of the insurance policy, and generates a first preset state mark for each insured in the insurance policy; when the insurable insurance policy enters an underwriting stage from the recording stage, executing underwriting operation on each insured in the insurable insurance policy; replacing the first preset state mark of each insured who finishes underwriting operation with a second preset state mark, and submitting underwriting data corresponding to each insured who finishes underwriting operation to an insurance database; detecting that the insurance policy is abnormally interrupted in the insurance acceptance process and determining that the insurance policy which is abnormally interrupted carries the insured information of the first preset state mark when the abnormal interruption returns to normal; executing underwriting operation on the insured carrying the first preset state mark according to the insured information; replacing the first preset state mark of the insured person who finishes underwriting operation with a second preset state mark, and submitting underwriting data corresponding to the insured person who finishes underwriting operation to an insurance database; the method has the advantages that when abnormal data interruption occurs to the insurance policy in the insurance underwriting process, data recovery can be conveniently carried out, and the insurance underwriting operation of the insurance policy can be continuously executed, so that the insurance underwriting efficiency is improved, and the error rate of the insurance underwriting data is reduced.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system 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 system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a storage medium (e.g., ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal device (e.g., a mobile phone, a computer, a server, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only for the preferred embodiment of the present invention and is not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes that can be directly or indirectly applied to other related technical fields using the contents of the present specification and the accompanying drawings are included in the scope of the present invention.
Claims (8)
1. A breakpoint underwriting method of a group policy is characterized by comprising the following steps:
receiving a list recording instruction of an application insurance policy, controlling the application insurance policy to enter a list recording stage, and generating a first preset state mark for each insured in the application insurance policy;
acquiring the number of insureds in the application insurance policy;
when the insuring policy enters an underwriting stage from the policy recording stage, adopting a corresponding underwriting rule to conduct underwriting operation on the insuring policy according to the number of insureds in the insuring policy;
when abnormal interruption of the insurance policy is detected in the insurance acceptance process and the abnormal interruption returns to normal, adopting a corresponding insurance acceptance rule to continue insurance acceptance operation on the insurance policy according to the number of insureds carrying the first preset state mark in the insurance policy with the abnormal interruption;
the method comprises the following steps of receiving a list recording instruction of an application insurance policy, controlling the application insurance policy to enter a list recording stage, and generating a first preset state mark for each insured in the application insurance policy, and then further comprising the following steps:
when the insurable insurance policy enters an underwriting stage from the recording stage, executing underwriting operation on each insured in the insurable insurance policy;
replacing the first preset state mark of each insured who finishes underwriting operation with a second preset state mark, and submitting underwriting data corresponding to each insured who finishes underwriting operation to an insurance database;
detecting that the insurance policy is abnormally interrupted in the insurance acceptance process and determining that the insurance policy which is abnormally interrupted carries the insured information of the first preset state mark when the abnormal interruption returns to normal;
executing underwriting operation on the insured carrying the first preset state mark according to the insured information;
and replacing the first preset state mark of the insured person who finishes the underwriting operation with a second preset state mark, and submitting underwriting data corresponding to the insured person who finishes the underwriting operation to an insurance database.
2. The method of claim 1, wherein said underwriting the application policy with the corresponding underwriting rules based on the number of insureds in the application policy when the application policy enters the underwriting phase from the entry phase comprises:
when the insuring insurance policy enters an underwriting stage from the recording stage, if the number of the insured persons in the insuring insurance policy is less than the preset number, executing underwriting operation on the insured persons in the insuring insurance policy according to a first underwriting rule;
and when the insurance policy is entered into the underwriting stage from the recording stage, if the number of the insured persons in the insurance policy is greater than or equal to the preset number, executing underwriting operation on the insured persons in the insurance policy according to a second underwriting rule.
3. The method of claim 1, wherein the detecting that the application insurance policy is abnormally interrupted in the process of underwriting and when the abnormal interruption returns to normal, continuing the underwriting operation of the application insurance policy by adopting the corresponding underwriting rule according to the number of insureds carrying the first preset state mark in the application insurance policy with the abnormal interruption comprises:
detecting that the insurable insurance policy is abnormally interrupted in the insurance acceptance process and acquiring the number of insureds carrying the first preset state mark in the insurable insurance policy which is abnormally interrupted when the abnormal interruption returns to normal;
if the number of the insured persons is less than the preset number, executing underwriting operation on the insured persons carrying the first preset state mark according to a first underwriting rule;
and if the number of the insured persons is larger than or equal to the preset number, executing underwriting operation on the insured persons carrying the second preset state mark according to a second underwriting rule.
4. The method of claim 2 or 3, wherein the first underwriting rule comprises:
after all the insureds in the application insurance policy are subjected to insurance acceptance operation, replacing the first preset state mark of each insured in the application insurance policy with a second preset state mark, and submitting the insurance acceptance data corresponding to all the insureds in the application insurance policy to an insurance database;
the second underwriting rule comprises:
and according to a preset data processing rule, executing underwriting operation on the insureds in the insurance policy in stages, correspondingly replacing the first preset state marks of the insureds in the insurance policy with the second preset state marks in stages, and submitting underwriting data corresponding to the insureds in the insurance policy to the insurance database in stages.
5. The method of claim 4, wherein the preset data processing rule comprises:
after the insurance acceptance operation of a preset number of insureds is finished, replacing the first preset state marks corresponding to the finished preset number of insureds with second preset state marks, and submitting the finished insurance acceptance data corresponding to the preset number of insureds to the insurance database;
and if the number of the remaining insured persons without the underwriting operation is less than the preset number, replacing the first preset state marks corresponding to all the remaining insured persons with second preset state marks after the underwriting operation of all the remaining insured persons is executed, and submitting the underwriting data corresponding to all the remaining insured persons to the insurance database.
6. A breakpoint underwriting system of a group policy, comprising:
the system comprises an instruction receiving module, a data processing module and a data processing module, wherein the instruction receiving module is used for receiving a list recording instruction of an insurance policy, controlling the insurance policy to enter a list recording stage and generating a first preset state mark for each insured in the insurance policy;
the number obtaining module is used for obtaining the number of the insured persons in the insurance policy;
the normal underwriting module is used for underwriting the insurance policy for the insurance policy by adopting a corresponding underwriting rule according to the number of insureds in the insurance policy when the insurance policy enters an underwriting stage from the entry stage;
the abnormal underwriting module is used for detecting that the insurable insurance policy is abnormally interrupted in the underwriting process and adopting a corresponding underwriting rule to continue underwriting operation on the insurable insurance policy according to the number of insureds carrying the first preset state mark in the insurable insurance policy which is abnormally interrupted when the abnormal interruption returns to normal;
the normal underwriting module is further configured to:
when the insurable insurance policy enters an underwriting stage from the recording stage, executing underwriting operation on each insured in the insurable insurance policy;
replacing the first preset state mark of each insured who finishes underwriting operation with a second preset state mark, and submitting underwriting data corresponding to each insured who finishes underwriting operation to an insurance database;
the exception underwriting module is further to:
detecting that the insurance policy is abnormally interrupted in the insurance acceptance process and determining that the insurance policy which is abnormally interrupted carries the insured information of the first preset state mark when the abnormal interruption returns to normal;
executing underwriting operation on the insured carrying the first preset state mark according to the insured information;
and replacing the first preset state mark of the insured person who finishes the underwriting operation with a second preset state mark, and submitting underwriting data corresponding to the insured person who finishes the underwriting operation to an insurance database.
7. The system of claim 6, wherein the normal underwriting module comprises:
the first normal underwriting unit is used for executing underwriting operation on the insured persons in the insurance policy according to a first underwriting rule if the number of the insured persons in the insurance policy is less than the preset number when the insurance policy enters the underwriting stage from the entry stage;
and the second normal underwriting unit is used for executing underwriting operation on the insured persons in the insurance policy according to a second underwriting rule if the number of the insured persons in the insurance policy is greater than or equal to the preset number when the insurance policy enters the underwriting stage from the entry stage.
8. The system of claim 6 or 7, wherein the exception underwriting module comprises:
the detection unit is used for detecting that the insurable list is abnormally interrupted in the insurable process and acquiring the number of insureds carrying the first preset state mark in the insurable list with abnormal interruption when the abnormal interruption returns to normal;
the first abnormal underwriting unit is used for executing underwriting operation on the insured carrying the first preset state mark according to a first underwriting rule if the number of the insured is smaller than the preset number;
and the second abnormal underwriting unit is used for executing underwriting operation on the insured carrying the second preset state mark according to a second underwriting rule if the number of the insured is greater than or equal to the preset number.
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| CN109427014A (en) * | 2017-12-28 | 2019-03-05 | 中国平安财产保险股份有限公司 | Insurance application generation method, device, equipment and computer readable storage medium |
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| CN101788908A (en) * | 2010-01-26 | 2010-07-28 | 浪潮(山东)电子信息有限公司 | Batch data processing method supporting breakpoint reget |
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