CN107025604A - The generation method and device of service order data - Google Patents
The generation method and device of service order data Download PDFInfo
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- CN107025604A CN107025604A CN201611178175.7A CN201611178175A CN107025604A CN 107025604 A CN107025604 A CN 107025604A CN 201611178175 A CN201611178175 A CN 201611178175A CN 107025604 A CN107025604 A CN 107025604A
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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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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0201—Market modelling; Market analysis; Collecting market data
- G06Q30/0206—Price or cost determination based on market factors
Abstract
The application is related to field of computer technology, more particularly to the generation method and device of a kind of service order data, in a kind of generation method of service order data, third party's service platform can directly obtain authentication arithmetic corresponding with the service request when receiving the service request of user's transmission；And user is authenticated according to the authentication arithmetic；After authentication passes through, corresponding payment information is further generated；After user is the corresponding delivery operation of payment information execution, third party's service platform can directly generate service order data.Namely in the application, third party's service platform can not be by carrying out real-time, interactive with business method, system, the corresponding service order data of service request can be generated, namely realize the corresponding business of service request, so as to improve the concurrent capability of third party's service platform.
Description
Technical field
The application is related to field of computer technology, more particularly to a kind of service order data generation method and device.
Background technology
In conventional art, during business is realized, user can first send to third party's service platform and ask, third party
Service platform upon receipt of the request, it is forwarded in real time business method, system, so that by business method, system to user
Request handled, and result is returned to by user by third party's service platform.However, in actual applications, only
Only during a kind of business is realized, user continually will send repeatedly request (such as, in reality to third party's service platform
Existing user insure business when, user can be sent successively to internet insurance platform (i.e. third party's service platform) inquiry asks,
Insure and ask and go out single request etc.), if third party's service platform needs each request being all forwarded to business method, system
Handled, the problem of business method, system load pressure is big can be caused；In addition, the concurrent capability of third party's service platform also can be by
Limit, the problem of thus causing poor user experience.
The content of the invention
This application describes a kind of generation method of service order data and device, with improve third party's service platform and
Hair ability.
First aspect there is provided a kind of generation method of service order data, including：
Third party's service platform receives the service request that user sends, wherein, the service request includes business object
Identification information and the description information of the user；
According to the identification information of the business object, the corresponding authentication arithmetic of the business object is determined；
According to the authentication arithmetic and the description information, the user is authenticated；
By rear, the corresponding payment information of the service request is being generated, and export the payment to the subscription authentication
Information；
Receive the payment result that Third-party payment platform is sent after delivery operation corresponding with the payment information is completed
Information；
According to the payment result information, the corresponding service order data of the service request are generated.
Second aspect there is provided a kind of generating means of service order data, including：
Receiving unit, the service request for receiving user's transmission, wherein, the service request includes the mark of business object
Know information and the description information of the user；
Determining unit, for the identification information of the business object received according to the receiving unit, determines the industry
The corresponding authentication arithmetic of business object；
Authenticating unit, for the authentication arithmetic determined according to the determining unit and the description information, to institute
User is stated to be authenticated；
Generation unit, for passing through rear, the generation service request correspondence to the subscription authentication in the authenticating unit
Payment information, and export the payment information；
The receiving unit, is additionally operable to receive Third-party payment platform in completion payment behaviour corresponding with the payment information
The payment result information sent after work；
The generation unit, is additionally operable to the payment result information received according to the receiving unit, generates the industry
The corresponding service order data of business request.
The generation method and device for the service order data that the application is provided, third party's service platform are receiving user's hair
During the service request sent, authentication arithmetic corresponding with the service request can be directly obtained；And according to the authentication arithmetic to user
Authenticated；After authentication passes through, corresponding payment information is further generated；It is that payment information performs corresponding pay in user
After operation, third party's service platform can directly generate service order data.Namely in the application, third party's service platform can be with
Not by carrying out real-time, interactive with business method, system, you can the corresponding service order data of generation service request, namely realize industry
The corresponding business of business request, so as to improve the concurrent capability of third party's service platform.
Brief description of the drawings
In order to illustrate the technical solution of the embodiments of the present invention more clearly, being used required in being described below to embodiment
Accompanying drawing be briefly described, it should be apparent that, drawings in the following description are only some embodiments of the present invention, for this
For the those of ordinary skill of field, on the premise of not paying creative work, it can also obtain other according to these accompanying drawings
Accompanying drawing.
Fig. 1 is traditional internet insurance platform and the information exchange figure of insurance company's system；
The application scenarios schematic diagram of the generation method for the service order data that Fig. 2 provides for the application；
The generation method flow chart for the service order data that Fig. 3 provides for a kind of embodiment of the application；
Internet insurance platform and the information exchange figure of insurance company's system that Fig. 4 provides for the application；
The generating means schematic diagram for the service order data that Fig. 5 provides for another embodiment of the application.
Embodiment
Below in conjunction with the accompanying drawings, embodiments of the invention are described.
The generation method and device for the service order data that the embodiment of the present application is provided, it is adaptable to which user is taken by third party
Business platform request realizes the scene of business.
Such as, it is adaptable to which user realizes the scene for business of insuring by internet insurance platform.Internet insurance herein is flat
Platform can include platform in insurance business system and insurance, wherein, the request that insurance business system is used to receive user (e.g., is inquired the price
Ask, insure request and go out single request), and the request of the user of reception is forwarded to platform in insurance, it can be included but not
It is limited to the insurance system of Taobao, the insurance system of Alipay and the dangerous system of financing etc.；Platform is used to receive guarantor in insurance
During the request of the user of dangerous operation system forwarding, by with insurance company's system (also referred to as insurance institution) interact in real time come
Request to user responds, so that the business of insuring to realize user.
In conventional art, realize user insure business when, the information of internet insurance platform and insurance company's system
Interaction figure can be with as shown in figure 1, in Fig. 1, may include steps of：
Step 110, user sends inquiry request to insurance business system.
Wherein, inquiry request can include the identification information of the selected insurance products of user.
Step 120, inquiry request is forwarded to financial super gateway by insurance business system by platform in insurance.
Financial super gateway herein belongs to ant gold clothes.
Step 130, above-mentioned inquiry request is synchronized to insurance institution by financial super gateway.
Insurance institution can determine insurance products after inquiry request is received according to the identification informations of insurance products
Comprising at least one insurance kind, herein, when the number of insurance kind is one, danger based on the insurance kind；When the number of insurance kind is many
When individual, more than one main dangerous and multiple accessory risks can be included；It is determined that after at least one insurance kind, this can be obtained extremely
The corresponding pricing rule of each insurance kind in a few insurance kind, pricing rule herein can refer to how each insurance kind is determined
The algorithm of valency, it can be defined by insurance institution oneself, it is to be understood that for different insurance kinds, its corresponding price
Rule can be differed；Finally according to the pricing rule for obtaining each insurance kind, the pricing information of each insurance kind is determined；And it is right
After the pricing information of each insurance kind is collected, the pricing information of insurance products can be obtained.
Step 140, insurance institution returns to the response results for request of inquiring the price by platform in insurance to insurance business system.
It is understood that response results herein can include the pricing information for the insurance products that insurance institution determines.
Insurance business system can export the insurance of its request after the response results of inquiry request are received to user
The pricing information of product, namely to user show its request insurance products pricing information.
Step 150, user sends request of insuring to insurance business system.
Wherein, request of insuring can include the identification information of user's insurance products to be purchased and the description letter of user
Breath.The description information of user can include but is not limited to following information：The mark at the age of user, the sex of user and user
Etc. information.
Step 160, insurance business system platform into insurance sends request of insuring.
Herein, platform is after the request of insuring of insurance business system transmission is received in insurance, and can generate and insure please
Corresponding order of insuring is sought, wherein, the identification information of insurance products and the description letter of user can be included in the order of insuring
Breath.
Step 170, platform is synchronized to insurance institution by the financial super gateway order that will insure in insurance.
Insurance institution can determine insurance products after order of insuring is received according to the identification informations of insurance products
Comprising at least one insurance kind；It is determined that after at least one insurance kind, each insurance kind at least one insurance kind can be obtained
Corresponding core protects rule, and core herein protects the algorithm that rule can refer to audit order of insuring, in one example, should
Core protects the algorithm that rule can refer to audit the description information of the user in order of insuring, namely to purchase insurance products
The algorithm that is authenticated of user, e.g., the core, which protects rule, to be：Sex：Female；Age：≤30；Wage：>=5000 etc.；Its
Can be defined by insurance institution oneself, it is to be understood that for different insurance kinds, it can be not that its corresponding core, which protects rule,
Identical；Rule and the description information of user are protected finally according to the core of each insurance kind of acquisition, user is authenticated.
Step 180, insurance institution's platform into insurance returns to the auditing result for order of insuring.
Auditing result herein can refer to the object information that order examination ＆ verification of insuring is passed through or do not passed through；When examination ＆ verification knot
When fruit is the object information passed through to order examination ＆ verification of insuring, platform can be ordered by calling Alipay system to generate payment in insurance
Single, the pay invoice can include the information such as the identification information and payment of user's insurance products to be purchased.
Step 190, platform returns to the response results for request of insuring to insurance business system in insurance.
It is understood that response results herein can include pay invoice or to insuring what order examination ＆ verification did not passed through
Information.
Insurance business system can export or show payment to user after the response results for request of insuring are received
Order or the information not passed through to order examination ＆ verification of insuring.
Step 200, user sends to insurance business system and pays request.
Wherein, pay invoice can be included by paying request.
Step 210, insurance business system forwards payment request to extremely simple cashier.
Extremely simple cashier herein belongs to Alipay system.Extremely simple cashier can perform phase according to the payment of reception request
The delivery operation answered.
Step 220, extremely simple cashier platform into insurance returns to payment result.
After corresponding delivery operation is completed, extremely simple cashier can return to payment result by platform into insurance.
Step 230, platform sends out single request by financial super gateway to safety structure in insurance.
Platform is after payment result is received in insurance, if the payment result is for representing to pay successful information,
Single request can be sent out to financial super gateway according to payment result, it is synchronous to go out single request by financial super gateway afterwards
To insurance institution, this, which goes out single request, can include the identification information for the insurance products that user has bought.
Step 240, insurance institution's generation declaration form data.
Insurance institution can determine insurance products after single request is received out according to the identification informations of insurance products
Comprising at least one insurance kind；It is determined that after at least one insurance kind, each insurance kind at least one insurance kind can be obtained
It is corresponding go out single gauge then, going out single gauge and can then refer to define what the declaration form data (also referred to as contract) ultimately generated were included herein
The algorithm of information, it can be defined by insurance institution oneself, it is to be understood that for different insurance kinds, its it is corresponding go out
Single gauge can then be differed；Each insurance kind finally according to acquisition goes out single gauge then, generates declaration form data.
Step 250, insurance institution's platform into insurance returns to out the response results of single request.
It is understood that response results herein can include the declaration form data that insurance institution generates.Receiving this
After response results, platform can also generate the insurance order data defined by their own in insurance, this insurance order data and
Insurance institution generation declaration form data correspondence, be mainly used as subsequently settle a claim and correct save service from damage.
Step 260, platform returns to out the object information of single request to insurance business system in insurance.
The object information for going out single request herein is if for representing single successfully information, then it can include insurance
Order data, it is to be understood that the declaration form data that the insurance order data is generated with insurance institution are one-to-one；Insurance
Operation system can export or show insurance order data to user after insurance order data is received.
And it is above-mentioned go out single request object information if the information for stating out single failure, then can be from trend user
Reimbursement.
From figure 1 it appears that platform receives the request of user every time in insurance, it is required for and insurance company's system progress
Interaction, to be responded to the request.And in actual applications, internet insurance platform may receive hundreds of millions of daily
The request of user, this causes internet insurance platform and insurance company's system to need continually to carry out information exchange, thus can made
Load pressure into insurance company's system is big, the problem of concurrent capability of internet insurance platform is limited.
To solve the above problems, the application proposes following improved though：Pricing rule, the core that insurance company's system is defined
Protect rule and go out single gauge and then (be referred to as insuring rule) being built into platform, the embedded with safety rule in platform in insurance in insurance
Afterwards, when platform receives the request of the user of insurance business system forwards in insurance, platform can be directly according to built-in in insurance
Insurance rule, the request to user responds；Afterwards when reaching the transmission cycle of setting, just with insurance company's system progress
Interaction.It is possible thereby to the interaction times of internet insurance platform and insurance company's system be reduced, so as to reduce insurance company
The load pressure of system, and the concurrent capability of internet insurance platform can be improved.
In fact, insurance products are not limited to, also a lot of other business, during the business is realized, it usually needs
Third party's service platform is frequently interacted with business method, system, therefore, the application illustrates the application pin by Fig. 2 and Fig. 3
The improvement project that all business are proposed.
In the application scenarios schematic diagram of the generation method for the service order data that Fig. 2 provides for the application, Fig. 2, third party
Service platform can be with the corresponding algorithm of preset business object, e.g., pricing algorithm and/or authentication arithmetic etc., the algorithm can be by
Business method, system is defined, and above-mentioned business object includes but is not limited to what the service requests such as insurance products, finance product were asked
Object；Third party's service platform can not carry out real-time, interactive with business method, system, but periodically (e.g., with day or hour
For unit) interacted with business method, system；Third-party payment platform can carry out information exchange with third party's service platform, from
And realize the delivery operation for business object；Business method, system is used to realize that the landing of data (e.g., realizes falling for declaration form data
Ground).Specifically, before the cycle of transmission reaches, third party's service platform, can be direct when receiving the service request of user
According to preset algorithm, the service request is responded, and ultimately generates service order data corresponding with the service request；
And after being reached in the cycle of transmission, according to the service order data generated in the time slice, create and correspond to the timeslice
The service order data file of section, and the service order data file of establishment is sent to business method, system, so as to realize data
Real landing.
In the generation method flow chart for the service order data that Fig. 3 provides for a kind of embodiment of the application, Fig. 3, the side
The executive agent of method can be the third party's service platform in Fig. 2, e.g., internet insurance platform, as shown in figure 3, methods described
It can specifically include：
Step 310, third party's service platform receives the service request that user sends.
Wherein, the service request can include the identification information of business object and the description information of user.Industry herein
Business request includes but is not limited to request etc. of insuring.Wherein, the description information of user is inputted by user, and it can be included but not
It is limited to following information：The information such as the mark at the age of user, the sex of user and user.
Alternatively, when the business object included in the service request has the attribute informations such as price, e.g., in business object
During for insurance products, then before step 310, following steps are can also carry out：
Step A：Receive the inquiry request to business object that user sends.
Wherein, inquiry request can include the identification information of business object.
Step B：According to the identification information of business object, at least one business unit that business object is included is determined.
Business unit herein includes main business unit and supplementary service unit.Specifically, in the number of the business unit
For one when, then a business unit be main business unit；And when the number of the business unit is multiple, one can be included
Individual above main business unit and multiple supplementary service units.
Step C：Obtain the corresponding pricing algorithm of each business unit at least one business unit.
Because different business unit, its corresponding price is typically different, so needing first to determine the business object
Comprising the corresponding pricing algorithm of each business unit.Such as, the different insurance kinds that insurance products are included, its usual correspondence is not
Same price.
Step D：According to pricing algorithm, the pricing information of each business unit is determined.
Step E：According to the pricing information of each business unit, the pricing information of business object is determined.
After the pricing information of each business unit is determined, converged by the pricing information to each business unit
Always, it is possible to obtain the pricing information of business object.
Step F：The pricing information of business object is returned to user.
After user checks the pricing information of business object, can send above-mentioned business to third party's service platform please
Ask.
Step 320, according to the identification information of business object, the corresponding authentication arithmetic of business object is determined.
Wherein, step 320 can specifically include：
According to the identification information of business object, at least one business unit that business object is included is determined；
Obtain the corresponding authentication arithmetic of each business unit at least one business unit.
Above-mentioned authentication arithmetic can be defined by business method, system, specifically, business method, system be using business unit as
Dimension defines authentication arithmetic, namely different business unit, and its corresponding authentication arithmetic is same.Business method, system is fixed
After the above-mentioned authentication arithmetic of justice, the authentication arithmetic is set into third party's service platform by artificial or machine.
Specifically, according to the identification information of business object, a business object can be uniquely determined, be may thereby determine that
At least one business unit that the business object is included；The corresponding authentication arithmetic of each business unit can be just obtained afterwards.
Such as, according to the identification information of insurance products, it may be determined that at least one insurance kind that the insurance products are included；Determining at least
After one insurance kind, the corresponding authentication arithmetic of each insurance kind can be obtained (e.g., above-mentioned core protects rule, and also referred to as core protects algorithm).
Step 330, according to authentication arithmetic and description information, user is authenticated.
Herein, for so that business object is insurance products as an example, it is assumed that the insurance products only comprising main insurance kind, and with
The corresponding core of the main insurance kind protects algorithm：Sex：Female；Age：≤30；Wage：>=5000, and the description information of user is：Property
Not：Female；Age：25；Wage：8000, because the description information of user is satisfied by the condition that above-mentioned core protects rule settings, it is right
The authentication of the user passes through.
Certainly, in actual applications, during being authenticated to user, the information that can also be inputted according to user,
The information of the user recorded is obtained from third party's service platform or relative platform；Afterwards according to the user recorded
Information and user input information, user is authenticated.Such as, industry of insuring is realized by internet insurance platform in user
Under the scene of business, it is assumed that the information of user's input includes the identification information (e.g., identification card number) of user, then can be according to the use
The identification information at family, the Transaction Information of the user is obtained from Alipay system, and Transaction Information herein can generally react user
Consuming capacity；The information inputted afterwards according to the Transaction Information of user and user, is authenticated to user.
In addition, business method, system can also to third party's service platform feedback user historical behavior data so that the 3rd
Information and historical behavior data that square service platform can be inputted according to user, are authenticated to user.Such as, pass through in user
Internet insurance platform realizes under the scene for business of insuring that insurance company's system can return to user's to internet insurance platform
History Claims Resolution information or insured information；So that when internet insurance platform is authenticated to user, can be defeated according to user
The information and the history Claims Resolution information of user or insured information entered, is authenticated to user.
Step 340, by rear, the corresponding payment information of service request is being generated, and export payment information to subscription authentication.
To subscription authentication by rear, can be by calling Third-party payment platform to generate payment information, payment herein
Information can include the information such as the identification information and payment of business object.In one example, third party's service platform
By calling Third-party payment platform to generate pay invoice, and by the form of the pay invoice disbursement letter can be exported to user
Breath.
Step 350, the payment that Third-party payment platform is sent after completion delivery operation corresponding with payment information is received
Object information.
After payment information is sent to user, user can be sent out by third party's service platform to Third-party payment platform
Send payment to ask, so as to perform corresponding delivery operation by Third-party payment platform, and payment is sent to third party's service platform
Object information, wherein, the payment result information can refer to pay successful information or refer to the information for paying failure.
Step 360, according to payment result information, the corresponding service order data of generation service request.
Specifically, when payment result information is pays successful information, Third-party payment platform can be called to generate industry
The corresponding service order data of business request, and the service order data are exported to user, it is achieved thereby that the industry that user is asked
Business.
It can thus be seen that the application is after third party's service platform sets authentication arithmetic, third party's service platform can
Responded with the service request directly to user, and generate the corresponding service order data of service request, it is possible thereby to avoid
In conventional art, third party's service platform when receiving the service request of user, is required for carrying out with business method, system every time
The problem of business method, system load pressure that is interactive and causing is big, third party's service platform concurrent capability is poor.
Alternatively, to realize the real landings of data, the application can also set the transmission cycle corresponding with business object.
In one example, when a certain business object is higher to requirement of real-time, then the transmission cycle set can using hour as
Unit, namely to business method, system transmission business datum file by way of T+h, wherein, T represents the same day, and h represents hour；
And another business object to requirement of real-time than it is relatively low when, then the transmission cycle set can be in units of day, namely passes through T
+ 1 mode sends business datum file to business method, system, wherein, T+1 is represented second day.Such as, produced in business object for insurance
Product, and the insurance products, when being that back freight is dangerous, the transmission cycle of setting can be in units of day；And be car in the insurance products
When danger or life insurance, the transmission cycle of setting can be in units of hour.
When setting the transmission cycle, it is assumed that the transmission cycle of setting is 8 hours, then third party's service platform was every 8 hours
(namely when sending cycle arrival), according to the service order data creation service order data file of generation；And to system of business side
System sends service order data file；Business method, system realizes the real landing of data after business datum file is received.
Such as, under the scene for the business of insuring, the service order data file of generation is insurance order data files, and insurance company's system exists
Receive after insurance order data files, generation declaration form data (are also referred to as declaration form contract), and the declaration form data are returned into use
Family.
When the generation method of the service order data of the application is applied to insure the scene of business, the third party in Fig. 2
Service platform can refer to internet insurance platform, wherein, the internet insurance platform includes：In insurance business system and insurance
Platform；Business method, system can refer to insurance company's system (also referred to as insurance institution), and internet insurance platform is with insurance company
Information exchange between system can be as shown in Figure 4.In Fig. 4, mainly comprise the following steps：
Step 410, user sends inquiry request to insurance business system.
Wherein, inquiry request can include the identification information of the selected insurance products of user.Insurance products herein
Including but not limited to vehicle insurance, life insurance and back freight danger etc..
Step 420, inquiry request is forwarded to platform in insurance by insurance business system.
Step 430, platform determines the pricing information of insurance products in insurance.
Specifically, platform can determine insurance products are included at least one according to the identification informations of insurance products in insurance
Individual insurance kind, herein, when the number of insurance kind is one, danger based on the insurance kind；When the number of insurance kind is multiple, one can be included
Main dangerous and multiple accessory risk more than individual；It is determined that after at least one insurance kind, can obtain every at least one insurance kind
The corresponding pricing algorithm of individual insurance kind (also referred to as pricing rule), pricing algorithm herein can refer to how each insurance kind is determined
The algorithm of valency, it can be defined by insurance institution oneself, it is to be understood that for different insurance kinds, its corresponding price
Algorithm can be differed；Finally according to the pricing algorithm of each insurance kind of acquisition, the pricing information of each insurance kind is determined；And
After collecting to the pricing information of each insurance kind, the pricing information of insurance products can be obtained.
Step 440, platform returns to the pricing information of insurance products to insurance business system in insurance.
Insurance business system shows the pricing information after the pricing information of insurance products is received to user.
Step 450, user sends request of insuring to insurance business system.
Wherein, request of insuring can include the identification information of user's insurance products to be purchased and the description letter of user
Breath.The description information of user can include but is not limited to following information：The mark at the age of user, the sex of user and user
Etc. information.
Step 460, insurance business system will insure request be forwarded to insurance in platform.
Herein, platform is after the request of insuring of insurance business system transmission is received in insurance, and can generate and insure please
Corresponding order of insuring is sought, wherein, the identification information of insurance products and the description letter of user can be included in the order of insuring
Breath.
Step 470, platform is audited to order of insuring in insurance.
Specifically, platform after order of insuring is received, determines at least one insurance kind that insurance products are included in insurance；
Algorithm is protected the corresponding core of each insurance kind at least one insurance kind it is determined that after at least one insurance kind, can be obtained, herein
Core protects the algorithm that algorithm can refer to audit order of insuring, in one example, and the core, which protects algorithm, can refer to throwing
The algorithm audited of description information of the user protected in order, namely the calculation authenticated to the users of purchase insurance products
Method, e.g., the core, which protects algorithm, to be：Sex：Female；Age：≤30；Wage：>=5000 etc.；It can also be by insurance institution from
Oneself defines, it is to be understood that for different insurance kinds, its corresponding core is protected algorithm and can differed；Finally according to obtaining
The core taken protects algorithm and the description information of user, and user is authenticated.
Certainly, in actual applications, during being authenticated to user, the information that can also be inputted according to user,
The information of the user recorded is obtained from internet insurance platform or Alipay system；Afterwards according to the letter of the user recorded
Breath and the information of user's input, are authenticated to user.(e.g., the information such as inputted in user include the identification information of user
Identification card number) in the case of, the Transaction Information of the user can be obtained from Alipay system according to the identification information of the user,
Transaction Information herein can generally react the consuming capacity of user；Inputted afterwards according to the Transaction Information of user and user
Information, is authenticated to user.
The information or insured in addition, insurance company's system can also settle a claim to the history of internet insurance platform feedback user
Information；So as to when internet insurance platform is authenticated to user, the information that can be inputted according to user and user's goes through
History Claims Resolution information or insured information, are authenticated to user.
Alternatively, to subscription authentication, by rear, namely after passing through to order examination ＆ verification of insuring, platform can also be adjusted in insurance
Corresponding pay invoice is generated with extremely simple cashier, the pay invoice can include the mark letter of user's insurance products to be purchased
The information such as breath and payment.
Step 480, platform returns to pay invoice to insurance business system in insurance.
Insurance business system shows the pay invoice after pay invoice is received to user.
It is understood that after obstructed to subscription authentication, platform only returns to authentication to operation system and not passed through in insurance
Object information, and after execution continue each step.
Step 490, user sends to insurance business system and pays request.
Wherein, pay invoice can be included by paying request.
Step 4100, insurance business system forwards payment request to extremely simple cashier.
Extremely simple cashier herein belongs to Alipay system.Extremely simple cashier can perform phase according to the payment of reception request
The delivery operation answered.
Step 4110, extremely simple cashier platform into insurance returns to payment result.
Step 4120, platform generation insurance order data in insurance.
Platform is after payment result is received in insurance, if the payment result is for representing to pay successful information,
At least one insurance kind that insurance products are included can be determined according to the identification informations of insurance products；It is determined that at least one danger
After kind, can obtain each insurance kind at least one insurance kind goes out single algorithm, going out single algorithm and can refer to define herein
The algorithm for the information that the insurance order data ultimately generated is included, it can be that platform oneself is defined in insurance, it is possible to understand that
, for different insurance kinds, its it is corresponding go out single algorithm can differ；Each insurance kind finally according to acquisition goes out list
Algorithm, generation insurance order data.In one example, the insurance order data of generation can include but is not limited to following letter
Breath：The information of insurer, the information of warrantee, insured amount information, beneficiary's information, premium information, insurance kind information, insurer's information
Deng.
Step 4130, platform returns to insurance order data to insurance business system in insurance.
Insurance business system can export or show insurance order numbers to user after insurance order data is received
According to.
Step 4140, when reaching in the cycle of transmission, platform creates insurance order according to the insurance order data of generation in insurance
Data file.
Step 4150, platform sends insurance order data files to insurance institution in insurance.
Step 4160, insurance institution returns to declaration form data to insurance business system.
To realize the real landing of data, the application can also set the corresponding transmission cycle for different insurance products.
In one example, when a certain insurance products are higher to requirement of real-time, the transmission cycle of setting can be using hour to be single
Position；And another insurance products to requirement of real-time than it is relatively low when, then the transmission cycle set can be in units of day.Such as, exist
When the insurance products are that back freight is dangerous, the transmission cycle of setting can be in units of day；And the insurance products be vehicle insurance or
During person's life insurance, the transmission cycle of setting can be in units of hour.
Set the transmission cycle when, it is assumed that the transmission cycle of setting be 8 hours, then insure in platform every 8 hours (namely hair
The cycle is sent when reaching), insurance order data files are created according to the insurance order data of generation；And send insurance to insurance institution
Order data files；Insurance institution realizes the real landing of data after insurance order data files are received.Such as, generate
Declaration form data (also referred to as declaration form contract), and the declaration form data are returned into user.
To enable those skilled in the art to more clearly understand the improved though of the application, now to the technical side of the application
Case is summarized as follows：
1) the application is by the real-time synchronization request link between user, internet insurance platform, insurance company system three
Between the Real time request interactive link and internet insurance platform and insurance company's system that are decomposed into user and internet insurance platform
" T+1/T+h " non real-time interactive mode, realize the function of quick export insurance order data.
2) internet insurance platform possesses the abilities such as price, core guarantor, without relying on insurance company's system in real time, improves mutually
The sweetly disposition ability of networking insurance platform, it is ensured that the transaction concurrency of internet insurance platform and response time.
3) internet insurance platform can be in real time to user's export insurance order data.To user, by " user-internet is protected
The long link of dangerous platform-insurance company's system " is changed into the short chain road of " user-internet insurance platform ", reduces request link
The link of middle failure, reduces fault rate, shortens operating lag, substantially increases Consumer's Experience.
4) use between internet insurance platform and insurance company system is periodically non real-time interacts, and greatly reduces pair
The access frequency of insurance company's system and its load pressure, it is ensured that the offer service of its energy normal table.
With the generation methods of above-mentioned service order data accordingly, the service order data that the embodiment of the present application is also provided
Generating means, as shown in figure 5, the device includes：
Receiving unit 501, the service request for receiving user's transmission, wherein, the service request includes business object
Identification information and the description information of user.
Determining unit 502, for the identification information of the business object received according to receiving unit 501, determines business object
Corresponding authentication arithmetic.
Optionally it is determined that unit 502 specifically can be used for：
According to the identification information of business object, at least one business unit that business object is included is determined；
Obtain the corresponding authentication arithmetic of each business unit at least one business unit.
Authenticating unit 503, for the authentication arithmetic and description information determined according to determining unit 502, is carried out to user
Authentication.
Generation unit 504, for passing through rear, the corresponding payment of generation service request to subscription authentication in authenticating unit 503
Information, and export the payment information.
Receiving unit 501, is additionally operable to receive Third-party payment platform after completion delivery operation corresponding with payment information
The payment result information of transmission.
Generation unit 504, is additionally operable to the payment result information received according to receiving unit 501, generation service request correspondence
Service order data.
Alternatively, the device also includes：
Judging unit 505, for judging whether the transmission cycle reaches, wherein, the transmission cycle is corresponding with business object
's.
Creating unit 506, for when judging unit 505 judges that the transmission cycle reaches, according to the service order number of generation
According to establishment service order data file.
Transmitting element 507, for sending the service order data file that creating unit 506 is created to business method, system.
Alternatively, the device also includes：Acquiring unit 508 and returning unit 509；
Receiving unit 501, is additionally operable to receive the inquiry request to business object that user sends, inquiry request includes business
The identification information of object.
Determining unit 502, is additionally operable to the identification information of business object received according to receiving unit 501, determines business pair
As comprising at least one business unit.
Acquiring unit 508, for obtaining the corresponding pricing algorithm of each business unit at least one business unit.
Determining unit 502, is additionally operable to the pricing algorithm obtained according to acquiring unit 508, determines the valency of each business unit
Lattice information.
Determining unit 502, is additionally operable to the pricing information according to each business unit, determines the pricing information of business object.
Returning unit 509, the pricing information for returning to business object to user.
Alternatively, receiving unit 501, are additionally operable to the historical behavior data of the user of reception business method, system transmission.
Authenticating unit 503 specifically for：According to authentication arithmetic, description information and the historical behavior of user data, to
Family is authenticated.
The function of each functional module of the embodiment of the present application device, can be by each step of above method embodiment come real
Existing, therefore, the specific work process for the device that the application is provided is not repeated again herein.
The generating means for the service order data that the application is provided, receiving unit 501 receives the service request that user sends；
Determining unit 502 determines the corresponding authentication arithmetic of business object according to the identification information of business object；The basis of authenticating unit 503
Authentication arithmetic and description information, are authenticated to user；Generation unit 504, by rear, generating business and asked to subscription authentication
Corresponding payment information is sought, and payment information is exported to user；Receiving unit 501 receives user and is passing through Third-party payment platform
Complete the payment result information sent after delivery operation corresponding with payment information；Generation unit 504 according to payment result information,
Generate the corresponding service order data of service request.Thus, it is possible to improve the concurrent capability of the generating means of service order data.
Those skilled in the art are it will be appreciated that in said one or multiple examples, work(described in the invention
It is able to can be realized with hardware, software, firmware or their any combination.When implemented in software, can be by these functions
It is stored in computer-readable medium or is transmitted as one or more instructions on computer-readable medium or code.
Above-described embodiment, has been carried out further to the purpose of the present invention, technical scheme and beneficial effect
Describe in detail, should be understood that the embodiment that the foregoing is only the present invention, be not intended to limit the present invention
Protection domain, it is all technical scheme basis on, any modification, equivalent substitution and improvements done etc. all should
It is included within protection scope of the present invention.
Claims (10)
1. a kind of generation method of service order data, it is characterised in that including：
Third party's service platform receives the service request that user sends, wherein, the service request includes the mark of business object
Information and the description information of the user；
According to the identification information of the business object, the corresponding authentication arithmetic of the business object is determined；
According to the authentication arithmetic and the description information, the user is authenticated；
By rear, the corresponding payment information of the service request is being generated, and export the payment information to the subscription authentication；
Receive the payment result information that Third-party payment platform is sent after delivery operation corresponding with the payment information is completed；
According to the payment result information, the corresponding service order data of the service request are generated.
2. according to the method described in claim 1, it is characterised in that in the corresponding service order of the generation service request
After data, in addition to：
Judge whether the transmission cycle reaches, wherein, the transmission cycle is corresponding with business object；
When reaching in the transmission cycle, according to the service order data creation service order data file of generation；
The service order data file is sent to business method, system.
3. method according to claim 2, it is characterised in that the identification information according to the business object, it is determined that
The corresponding authentication arithmetic of the business object, including：
According to the identification information of the business object, at least one business unit that the business object is included is determined；
Obtain the corresponding authentication arithmetic of each business unit at least one described business unit.
4. according to the method described in claim 1, it is characterised in that receive the industry that user sends in the third party's service platform
Before business request, in addition to：
The inquiry request to the business object that the user sends is received, the inquiry request includes the business object
Identification information；
According to the identification information of the business object, at least one business unit that the business object is included is determined；
Obtain the corresponding pricing algorithm of each business unit at least one described business unit；
According to the pricing algorithm, the pricing information of each business unit is determined；
According to the pricing information of each business unit, the pricing information of the business object is determined；
The pricing information of the business object is returned to the user.
5. the method according to claim any one of 1-4, it is characterised in that also include：
The historical behavior data for the user that reception business method, system is sent；
It is described the user to be authenticated according to the authentication arithmetic and the description information, including：
According to the historical behavior data of the authentication arithmetic, the description information and the user, the user is reflected
Power.
6. a kind of generating means of service order data, it is characterised in that including：
Receiving unit, the service request for receiving user's transmission, wherein, the mark that the service request includes business object is believed
Breath and the description information of the user；
Determining unit, for the identification information of the business object received according to the receiving unit, determines the business pair
As corresponding authentication arithmetic；
Authenticating unit, for the authentication arithmetic determined according to the determining unit and the description information, is used described
Family is authenticated；
Generation unit, for passing through rear, the corresponding branch of the generation service request to the subscription authentication in the authenticating unit
Information is paid, and exports the payment information；
The receiving unit, is additionally operable to receive Third-party payment platform after delivery operation corresponding with the payment information is completed
The payment result information of transmission；
The generation unit, is additionally operable to the payment result information received according to the receiving unit, and generating the business please
Seek corresponding service order data.
7. device according to claim 6, it is characterised in that also include：
Judging unit, for judging whether the transmission cycle reaches, wherein, the transmission cycle is corresponding with business object；
Creating unit, for when the judging unit judges that the transmission cycle reaches, according to the service order data of generation
Create service order data file；
Transmitting element, for sending the service order data file that the creating unit is created to business method, system.
8. device according to claim 7, it is characterised in that the determining unit specifically for：
According to the identification information of the business object, at least one business unit that the business object is included is determined；
Obtain the corresponding authentication arithmetic of each business unit at least one described business unit.
9. device according to claim 6, it is characterised in that also include：Acquiring unit and returning unit；
The receiving unit, is additionally operable to receive the inquiry request to the business object that the user sends, the inquiry please
Asking includes the identification information of the business object；
The determining unit, is additionally operable to the identification information of the business object received according to the receiving unit, it is determined that described
At least one business unit that business object is included；
The acquiring unit, for obtaining the corresponding pricing algorithm of each business unit at least one described business unit；
The determining unit, is additionally operable to the pricing algorithm obtained according to the acquiring unit, determines each business unit
Pricing information；
The determining unit, is additionally operable to the pricing information according to each business unit, determines the price of the business object
Information；
The returning unit, the pricing information for returning to the business object to the user.
10. the device according to claim any one of 6-9, it is characterised in that
The receiving unit, is additionally operable to the historical behavior data of the user of reception business method, system transmission；
The authenticating unit specifically for：According to the historical behavior of the authentication arithmetic, the description information and the user
Data, are authenticated to the user.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611178175.7A CN107025604B (en) | 2016-12-19 | 2016-12-19 | Method and device for generating business order data |
| CN202110251111.XA CN112927090A (en) | 2016-12-19 | 2016-12-19 | Method and device for generating business order data |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611178175.7A CN107025604B (en) | 2016-12-19 | 2016-12-19 | Method and device for generating business order data |
Related Child Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202110251111.XA Division CN112927090A (en) | 2016-12-19 | 2016-12-19 | Method and device for generating business order data |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN107025604A true CN107025604A (en) | 2017-08-08 |
| CN107025604B CN107025604B (en) | 2021-01-12 |
Family
ID=59525536
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|---|---|---|---|
| CN202110251111.XA Pending CN112927090A (en) | 2016-12-19 | 2016-12-19 | Method and device for generating business order data |
| CN201611178175.7A Active CN107025604B (en) | 2016-12-19 | 2016-12-19 | Method and device for generating business order data |
Family Applications Before (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202110251111.XA Pending CN112927090A (en) | 2016-12-19 | 2016-12-19 | Method and device for generating business order data |
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Also Published As
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| CN107025604B (en) | 2021-01-12 |
| CN112927090A (en) | 2021-06-08 |
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