CN107403386A - Insure management method and system based on bank outlets - Google Patents
Insure management method and system based on bank outlets Download PDFInfo
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- CN107403386A CN107403386A CN201610335383.7A CN201610335383A CN107403386A CN 107403386 A CN107403386 A CN 107403386A CN 201610335383 A CN201610335383 A CN 201610335383A CN 107403386 A CN107403386 A CN 107403386A
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- 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
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Abstract
The present invention relates to a kind of insure management method and system based on bank outlets.The above method comprises the following steps：Obtain Routing Number corresponding to bank outlets；The insurance kind amount configurationization information of matching is obtained according to the Routing Number；Obtain the cumulative protection amount of history corresponding with each insurance kind code of Routing Number matching；According to the insurance kind amount configurationization information judge the cumulative protection amount of the history whether reach corresponding to insured amount threshold value；If reaching, the channel of insuring that the cumulative protection amount of history in the bank outlets reaches the insurance kind code of corresponding insured amount threshold value is closed.Above-mentioned insure management method and system based on bank outlets, by the business datum of configuration mode management bank site, the automatic channel of insuring for closing bank outlets, the time is suspended sale of without manual setting insurance products one by one, it is easy to operate, efficiency high and not error-prone.
Description
Technical field
The present invention relates to computer realm, more particularly to it is a kind of based on bank outlets insure management method and
System.
Background technology
In the insurance business by bank outlets' marketing insurance product, bank outlets are typically by channel system
What system was contacted with core insurance system, canalization is used for the business datum for managing each bank outlets, and will
The insure declaration form data etc. of generation of client are delivered in core insurance system and accepted insurance.When needing to bank outlets
, then will be in the page of each bank outlets of canalization to sale when the time is suspended sale of in some insurance products settings
Insurance products be configured one by one manually, cumbersome, operating efficiency is low and easy error.
The content of the invention
Based on this, it is necessary to a kind of management method of insuring based on bank outlets is provided, can be by configuration
Mode closes the channel of insuring of bank outlets automatically, easy to operate, efficiency high and not error-prone.
A kind of management system of insuring based on bank outlets is provided in addition, there is a need to, can be by configuration
Mode closes the channel of insuring of bank outlets automatically, easy to operate, efficiency high and not error-prone.
A kind of management method of insuring based on bank outlets, comprises the following steps：
Obtain Routing Number corresponding to bank outlets；
The insurance kind amount configurationization information of matching is obtained according to the Routing Number；
Obtain the cumulative protection amount of history corresponding with each insurance kind code of Routing Number matching；
Judge whether the cumulative protection amount of the history reaches corresponding protection amount according to the insurance kind amount configurationization information
Threshold value；
If reaching, the insurance kind that the cumulative protection amount of history in the bank outlets reaches corresponding insured amount threshold value is closed
The channel of insuring of code.
In one of the embodiments, methods described also includes：
Reception is insured request, and according to the acquisition request declaration form data of insuring；
From declaration form extracting data Routing Number, insurance kind code and the corresponding protection amount；
The protection amount is added to and insured protection amount with the history of the Routing Number and the insurance kind code matches
In, obtain the cumulative protection amount of history.
In one of the embodiments, before Routing Number corresponding to the acquisition bank outlets, in addition to：
Obtain region zones information；
Regional information table is established according to the region zones information, distributed in the regional information table eachly
Area number corresponding to area；
The incidence relation of Routing Number and the area number is established in area according to where bank outlets；
The corresponding insured amount threshold value of each insurance kind code with the matching of each area number is respectively configured, and generate with
The insurance kind amount configurationization information of each area number matching.
In one of the embodiments, Routing Number and institute are established in the area according to where bank outlets
After the step of stating the incidence relation of area number, in addition to：
Reception Add Bank site request；
Added Bank Routing Number corresponding to site and the ground at place according to the site acquisition request that Adds Bank
Area；
According to it is described area search area number, and establish described in Add Bank Routing Number corresponding to site with
The incidence relation of the area number found.
In one of the embodiments, before the step of Routing Number corresponding to the acquisition bank outlets,
Also include：
The corresponding insured amount threshold value of each insurance kind code with the matching of each Routing Number is respectively configured, and generate with
The insurance kind amount configurationization information of each Routing Number matching.
A kind of management system of insuring based on bank outlets, including：
Acquisition module, for obtaining Routing Number corresponding to bank outlets；
The acquisition module is additionally operable to obtain the insurance kind amount configurationization information of matching according to the Routing Number；
The acquisition module is additionally operable to obtain history corresponding with each insurance kind code of Routing Number matching
Cumulative protection amount；
Judge module, for whether judging the cumulative protection amount of the history according to the insurance kind amount configurationization information
Insured amount threshold value corresponding to reaching；
Closedown module, if for reaching, close the cumulative protection amount of history in the bank outlets and reach corresponding
The channel of insuring of the insurance kind code of insured amount threshold value.
In one of the embodiments, the system also includes：
Receiving module, for receiving request of insuring, and according to the acquisition request declaration form data of insuring；
Extraction module, for from declaration form extracting data Routing Number, insurance kind code and the corresponding protection amount；
Accumulator module, for the protection amount to be added to and the Routing Number and the insurance kind code matches
History is insured in protection amount, obtains the cumulative protection amount of history.
In one of the embodiments, the acquisition module is additionally operable to obtain region zones information；
The system also includes：
Distribute module, for establishing regional information table according to the region zones information, in the regional information
Area number corresponding to each area is distributed in table；
Module is established, Routing Number and the area number are established for the area according to where bank outlets
Incidence relation；
Configuration module, it is corresponding with each insurance kind code of each area number matching insured amount for being respectively configured
Threshold value, and generate the insurance kind amount configurationization information matched with each area number.
In one of the embodiments, the receiving module be additionally operable to reception Add Bank site request；
The acquisition module is additionally operable to the site acquisition request that Adds Bank according to and Added Bank corresponding to site
Routing Number and the area at place；
The module of establishing is additionally operable to search area number according to the area, and the net that Added Bank described in foundation
The incidence relation of Routing Number and the area number found corresponding to point.
In one of the embodiments, the configuration module is additionally operable to be respectively configured and matched with each Routing Number
Each insurance kind code corresponding to insured amount threshold value, and generate the insurance kind amount that is matched with each Routing Number and configure
Change information.
Above-mentioned insure management method and system based on bank outlets, the insurance kind of matching is obtained by Routing Number
The cumulative protection amount of history corresponding to amount configurationization information and each insurance kind code, and confidence is matched somebody with somebody according to insurance kind amount
Breath judges whether the cumulative protection amount of the history of each insurance kind code reaches corresponding insured amount threshold value, if reaching, closes
The channel of insuring of the insurance kind code in bank outlets is closed, passes through the business number of configuration mode management bank site
According to, the automatic channel of insuring for closing bank outlets, the time is suspended sale of without manual setting insurance products one by one,
It is easy to operate, efficiency high and not error-prone.
Brief description of the drawings
Fig. 1 is the schematic flow sheet of the management method of insuring based on bank outlets in one embodiment；
Fig. 2 is that the cumulative insured amount schematic flow sheet of history is obtained in one embodiment；
Fig. 3 is the schematic flow sheet for the incidence relation that Routing Number and area number are established in one embodiment；
Fig. 4 is the structural representation of the management system of insuring based on bank outlets in one embodiment；
Fig. 5 is the structural representation of the management system of insuring based on bank outlets in another embodiment；
Fig. 6 is the structural representation of the management system of insuring based on bank outlets in another embodiment.
Embodiment
In order to make the purpose , technical scheme and advantage of the present invention be clearer, below in conjunction with accompanying drawing and reality
Example is applied, the present invention will be described in further detail.It should be appreciated that specific embodiment described herein is only
To explain the present invention, it is not intended to limit the present invention.
As shown in figure 1, a kind of management method of insuring based on bank outlets, comprises the following steps：
Step S110, obtain Routing Number corresponding to bank outlets.
Specifically, core insurance system can obtain the Routing Number of each bank outlets, each bank outlets corresponding one
Individual different Routing Number, Routing Number are used to identify bank outlets.Routing Number can have specific form,
It can be set according to different bank's species, region etc., for example, the numbering of China Construction Bank is 1, in
The numbering of bank of state is 2, and the numbering of the Communications Bank of China is 3 etc., the area number of Beijing is 01, on
The area number of sea market is 02, then Routing Number corresponding to the bank outlets of China Construction Bank of Beijing can
Think 101001, but not limited to this.In other embodiments, Routing Number can be distributed otherwise,
Such as unified bank's species of pressing is numbered, by Construction Bank's time domain etc..
Step S120, the insurance kind amount configurationization information of matching is obtained according to Routing Number.
Specifically, insurance kind amount configurationization information includes each insurance kind code and corresponding with Routing Number matching
Insured amount threshold value.In different bank outlets, the insurance kind insured may be selected in client, each different insurance kind
It is corresponding with different insurance kind codes, the maximum that insured amount threshold value can then add up for the insurance kind in the bank outlets
It is insured amount.Each Routing Number is corresponding with the insurance kind amount configurationization information of matching, is configured by the insurance kind amount
Insurance kind code corresponding to insurance kind under the bank outlets can be got by changing information, and different insurance kinds is in the silver
Insured amount threshold value under row site.
In one embodiment, before the step of step S110 obtains Routing Number corresponding to bank outlets,
Also include：Insured amount threshold value corresponding with each insurance kind code of each Routing Number matching is respectively configured, and it is raw
Into the insurance kind amount configurationization information matched with each Routing Number.
Specifically, core insurance system can configure insured amount threshold value corresponding to insurance kind under each bank outlets one by one, and
The insurance kind amount configurationization information matched with Routing Number is generated, wherein, insured amount threshold value can be some period
Certain interior insurance kind is insured amount in the maximum that some bank outlets can add up.For example, China Construction Bank of Beijing
Bank outlets corresponding to Routing Number be 101001, the bank outlets include Traffic accident injury insurance (danger
Kind code：P113212), gas user accident/injury insurance (insurance kind code：) and family planning man P1124
Front yard accident/injury insurance (insurance kind code：P1143) three insurance kinds, Traffic accident injury insurance can be respectively configured
Insured amount threshold value be 1,000,000 RMB, the insured amount threshold value of gas user accident/injury insurance be 500,000 RMB,
The insured amount threshold value of family planning family accident/injury insurance is 400,000 RMB, and configures the effective of insured amount threshold value
Time is daily 7：00 point to 20：, i.e., add up protection amount, above three since 7 points of morning daily at 00 point
In the bank outlets, the at most acceptable accumulative protection amount insured is respectively corresponding insured amount threshold value to insurance kind daily.
Step S130, obtain the cumulative protection amount of history corresponding with each insurance kind code of Routing Number matching.
Specifically, core insurance system can be searched according to Routing Number in database corresponding to the cumulative protection amount of history,
The cumulative protection amount of history can tire out according to protection amount when client insures within the effective time for the insured amount threshold value being pre-configured with
Meter obtains, and different insurance kind codes can correspond to the cumulative protection amount of different history.
Step S140, judge whether the cumulative protection amount of history reaches corresponding guarantor according to insurance kind amount configurationization information
Volume threshold value, if so, step S150 is then performed, if it is not, then performing step S160.
Specifically, after core insurance system obtains the cumulative protection amount of history of each insurance kind in bank outlets, can be from insurance kind
Insured amount threshold value corresponding to being obtained in amount configurationization information, and judge whether the cumulative protection amount of history reaches insured amount threshold
Value, if reaching, closes the channel of insuring of the insurance kind in the bank outlets, for example, China of Beijing builds
If the insured amount threshold value of the Traffic accident injury insurance in the bank outlets of bank is 1,000,000 RMB, corresponding
The cumulative protection amount of history is also 1,000,000 RMB, then the traffic meaning closed in the China Construction Bank of Beijing
The channel of insuring of outer injury insurance, i.e. client can not again the bank outlets selection Traffic accident injury insure into
Row is insured.
Step S150, close the insurance kind code that the cumulative protection amount of history in bank outlets reaches corresponding insured amount threshold value
Channel of insuring.
Specifically, channel of insuring may include that webpage of insuring, the mobile phone of the bank outlets are insured APP
(Application, application program) and artificial window etc. of insuring.The cumulative protection amount of history in bank outlets are closed
After the channel of insuring of the insurance kind code of insured amount threshold value corresponding to reaching, if corresponding insured amount threshold value it is effective when
In need to reopen channel of insuring, corresponding configuration file can be changed reopen this and pent insure
Channel, and reconfigure the insured amount threshold value of the insurance kind.
Step S160, does not deal with.
The above-mentioned management method of insuring based on bank outlets, the insurance kind amount that matching is obtained by Routing Number are matched somebody with somebody
The cumulative protection amount of history corresponding to putting information and each insurance kind code, and judged according to insurance kind amount configuration information
Whether the cumulative protection amount of the history of each insurance kind code reaches corresponding insured amount threshold value, if reaching, closes bank
The channel of insuring of the insurance kind code in site, by the business datum of configuration mode management bank site, from
The dynamic channel of insuring for closing bank outlets, it is easy to operate without setting suspending sale of the time for insurance kind manually one by one,
Efficiency high and not error-prone.
As shown in Fig. 2 in one embodiment, the above-mentioned management method of insuring based on bank outlets, also wrap
Include following steps：
Step S202, request of insuring is received, and according to acquisition request declaration form data of insuring.
Specifically, when the different bank outlets of customer selecting are insured, core insurance system can be received and insured
Request, and the declaration form data of client upload are obtained, declaration form data may include customer number, odd numbers, insurance kind
The data such as code, protection amount, Routing Number, client identity information.
Step S204, from declaration form extracting data Routing Number, insurance kind code and corresponding protection amount.
Specifically, can be from Routing Number, selection corresponding to the bank outlets that declaration form extracting data client insures
Insurance kind corresponding to insurance kind code and protection amount.
Step S206, protection amount is added to and insured with the history of Routing Number and insurance kind code matches in protection amount,
Obtain the cumulative protection amount of history.
Specifically, corresponding history can be found in database according to the Routing Number and insurance kind code of extraction
Insure insured amount record, and the protection amount that this is insured is added to history and insured in protection amount, obtain that history is cumulative to protect
Volume.Core insurance system can determine whether the cumulative protection amount of the history reaches and the Routing Number and insurance kind code
Corresponding insured amount threshold value, if reaching, channel of being insured corresponding to closing.
The above-mentioned management method of insuring based on bank outlets, can record each insurance kind under each bank outlets in real time
Protection amount of insuring, and be accumulated by the cumulative protection amount of history, the automatic protection amount that adds up of history in bank outlets of closing reaches
To the channel of insuring of the insurance kind of corresponding insured amount threshold value, the time is suspended sale of without manual setting insurance products one by one,
It is easy to operate, efficiency high and not error-prone.
As shown in figure 3, in one embodiment, Routing Number corresponding to bank outlets is obtained in step S110
Before, it is further comprising the steps of：
Step S302, obtain region zones information.
Specifically, can be divided to the residing region of bank outlets, such as can be divided into according to big region
South China, North China, East China, Central China and west area, or drawn according to provincial
Point, it can further be divided according to city-level, but not limited to this.
Step S304, regional information table is established according to region division information, distributed in regional information table each
Area number corresponding to area.
Corresponded to specifically, core insurance system can distribute each area according to region division information in regional information table
Area number, for example, divided according to provincial, then the corresponding different numbering of different provinces, Beijing
Area number be 01, Guangdong Province 05, Fujian Province be 08 etc., it is possible to understand that ground, can be according to different
Area is numbered form.
The incidence relation of Routing Number and area number is established in step S306, the area according to where bank outlets.
Step S308, insured amount threshold value corresponding with each insurance kind code of each area number matching is respectively configured,
And generate the insurance kind amount configurationization information matched with each area number.
Specifically, the area number of the Routing Number for the bank outlets for belonging to areal and this area can be entered
Row association, can configure the insured amount threshold value of each insurance kind in each area number, i.e., all silver under this area
The protection amount of insuring of certain insurance kind of row site is accumulative to must not exceed corresponding insured amount threshold value, and generation and area number
The insurance kind amount configurationization information of matching.If the history of all bank outlets of certain insurance kind under somewhere adds up
Protection amount reaches corresponding insured amount threshold value, then can close the channel of insuring of the insurance kind in all bank outlets of this area.
It is convenient that regional bank outlets are carried out with unified management configuration, easy to operate and efficiency high.
Step S310, receive the site request that Adds Bank.
Specifically, when need to Add Bank site when, core insurance system can receive Add Bank site request, and
New bank outlets are increased according to the site request that Adds Bank.
Step S312, Added Bank Routing Number corresponding to site and institute according to the site acquisition request that Adds Bank
Area.
Specifically, bank corresponding to being distributed according to the bank information of newly-increased bank outlets according to specific format
Code, such as according to bank's species distribution or according to area distribution etc..
Step S314, area number is searched according to area, and establish the Routing Number corresponding to site that Adds Bank
With the incidence relation of the area number found.
Specifically, can according to corresponding to searching the area where newly-increased bank outlets area number, and will be new
The Routing Number of the bank outlets of increasing is associated with this area's numbering, i.e., successfully Add Bank site.Core is protected
System can be newly-increased to this bank outlets under insurance kind configuration corresponding to the information such as insured amount threshold value and effective time.
The above-mentioned management method of insuring based on bank outlets, can establish regional information table according to region division information,
And establish the Routing Number of bank outlets and the incidence relation of area number, only needed when Adding Bank site by
Routing Number is associated with area number, and core insurance system voluntarily can be managed to each bank outlets, nothing
By canalization business processing need to be made more convenient, it is easier to safeguard the business of each bank outlets
Data.
As shown in figure 4, a kind of management system of insuring based on bank outlets, including acquisition module 410, judgement
Module 420, closedown module 430 and configuration module 440.
Acquisition module 410, for obtaining Routing Number corresponding to bank outlets.
Specifically, core insurance system can obtain the Routing Number of each bank outlets, each bank outlets corresponding one
Individual different Routing Number, Routing Number are used to identify bank outlets.Routing Number can have specific form,
It can be set according to different bank's species, region etc., for example, the numbering of China Construction Bank is 1, in
The numbering of bank of state is 2, and the numbering of the Communications Bank of China is 3 etc., the area number of Beijing is 01, on
The area number of sea market is 02, then Routing Number corresponding to the bank outlets of China Construction Bank of Beijing can
Think 101001, but not limited to this.In other embodiments, Routing Number can be distributed otherwise,
Such as unified bank's species of pressing is numbered, by Construction Bank's time domain etc..
Acquisition module 410 is additionally operable to obtain the insurance kind amount configurationization information of matching according to Routing Number.
Specifically, insurance kind amount configurationization information includes each insurance kind code and corresponding with Routing Number matching
Insured amount threshold value.In different bank outlets, the insurance kind insured may be selected in client, each different insurance kind
It is corresponding with different insurance kind codes, the maximum that insured amount threshold value can then add up for the insurance kind in the bank outlets
It is insured amount.Each Routing Number is corresponding with the insurance kind amount configurationization information of matching, is configured by the insurance kind amount
Insurance kind code corresponding to insurance kind under the bank outlets can be got by changing information, and different insurance kinds is in the silver
Insured amount threshold value under row site.
Acquisition module 410 is additionally operable to obtain history corresponding with each insurance kind code of Routing Number matching and added up
It is insured amount.
Specifically, core insurance system can be searched according to Routing Number in database corresponding to the cumulative protection amount of history,
The cumulative protection amount of history can tire out according to protection amount when client insures within the effective time for the insured amount threshold value being pre-configured with
Meter obtains, and different insurance kind codes can correspond to the cumulative protection amount of different history.
Judge module 420, for judging whether the cumulative protection amount of history reaches pair according to insurance kind amount configurationization information
The insured amount threshold value answered.
Specifically, after core insurance system obtains the cumulative protection amount of history of each insurance kind in bank outlets, can be from insurance kind
Insured amount threshold value corresponding to being obtained in amount configurationization information, and judge whether the cumulative protection amount of history reaches insured amount threshold
Value, if reaching, closes the channel of insuring of the insurance kind in the bank outlets, for example, China of Beijing builds
If the insured amount threshold value of the Traffic accident injury insurance in the bank outlets of bank is 1,000,000 RMB, corresponding
The cumulative protection amount of history is also 1,000,000 RMB, then the traffic meaning closed in the China Construction Bank of Beijing
The channel of insuring of outer injury insurance, i.e. client can not again the bank outlets selection Traffic accident injury insure into
Row is insured.
Closedown module 430, if for reaching, close the cumulative protection amount of history in bank outlets and reach corresponding guarantor
The channel of insuring of the insurance kind code of volume threshold value.
APP and artificial thrown specifically, channel of insuring may include that webpage of insuring, the mobile phone of the bank outlets are insured
Protect window etc..The cumulative protection amount of history reaches the insurance kind code of corresponding insured amount threshold value in bank outlets are closed
Insure after channel, if needing to reopen channel of insuring within the effective time of corresponding insured amount threshold value, can repair
Change corresponding configuration file and reopen the pent channel of insuring, and reconfigure the insured amount threshold of the insurance kind
Value.
Configuration module 440, for protect corresponding with each insurance kind code of each Routing Number matching to be respectively configured
Volume threshold value, and generate the insurance kind amount configurationization information matched with each Routing Number.
Specifically, core insurance system can configure insured amount threshold value corresponding to insurance kind under each bank outlets one by one, and
The insurance kind amount configurationization information matched with Routing Number is generated, wherein, insured amount threshold value can be some period
Certain interior insurance kind is insured amount in the maximum that some bank outlets can add up.For example, China Construction Bank of Beijing
Bank outlets corresponding to Routing Number be 101001, the bank outlets include Traffic accident injury insurance (danger
Kind code：P113212), gas user accident/injury insurance (insurance kind code：) and family planning man P1124
Front yard accident/injury insurance (insurance kind code：P1143) three insurance kinds, Traffic accident injury insurance can be respectively configured
Insured amount threshold value be 1,000,000 RMB, the insured amount threshold value of gas user accident/injury insurance be 500,000 RMB,
The insured amount threshold value of family planning family accident/injury insurance is 400,000 RMB, and configures the effective of insured amount threshold value
Time is daily 7：00 point to 20：, i.e., add up protection amount, above three since 7 points of morning daily at 00 point
In the bank outlets, the at most acceptable accumulative protection amount insured is respectively corresponding insured amount threshold value to insurance kind daily.
The above-mentioned management system of insuring based on bank outlets, the insurance kind amount that matching is obtained by Routing Number are matched somebody with somebody
The cumulative protection amount of history corresponding to putting information and each insurance kind code, and judged according to insurance kind amount configuration information
Whether the cumulative protection amount of the history of each insurance kind code reaches corresponding insured amount threshold value, if reaching, closes bank
The channel of insuring of the insurance kind code in site, by the business datum of configuration mode management bank site, from
The dynamic channel of insuring for closing bank outlets, it is easy to operate without setting suspending sale of the time for insurance kind manually one by one,
Efficiency high and not error-prone.
As shown in figure 5, in another embodiment, the above-mentioned management system of insuring based on bank outlets, remove
Include acquisition module 410, judge module 420, closedown module 430 and configuration module 440, in addition to connect
Receive module 450, extraction module 460 and accumulator module 470.
Receiving module 450, for receiving request of insuring, and according to acquisition request declaration form data of insuring.
Specifically, when the different bank outlets of customer selecting are insured, core insurance system can be received and insured
Request, and the declaration form data of client upload are obtained, declaration form data may include customer number, odd numbers, insurance kind
The data such as code, protection amount, Routing Number, client identity information.
Extraction module 460, for from declaration form extracting data Routing Number, insurance kind code and corresponding protection amount.
Specifically, can be from Routing Number, selection corresponding to the bank outlets that declaration form extracting data client insures
Insurance kind corresponding to insurance kind code and protection amount.
Accumulator module 470, insured guarantor with the history of Routing Number and insurance kind code matches for protection amount to be added to
In volume, the cumulative protection amount of history is obtained.
Specifically, corresponding history can be found in database according to the Routing Number and insurance kind code of extraction
Insure insured amount record, and the protection amount that this is insured is added to history and insured in protection amount, obtain that history is cumulative to protect
Volume.Core insurance system can determine whether the cumulative protection amount of the history reaches and the Routing Number and insurance kind code
Corresponding insured amount threshold value, if reaching, channel of being insured corresponding to closing.
The above-mentioned management system of insuring based on bank outlets, can record each insurance kind under each bank outlets in real time
Protection amount of insuring, and be accumulated by the cumulative protection amount of history, the automatic protection amount that adds up of history in bank outlets of closing reaches
To the channel of insuring of the insurance kind of corresponding insured amount threshold value, the time is suspended sale of without manual setting insurance products one by one,
It is easy to operate, efficiency high and not error-prone.
As shown in fig. 6, in another embodiment, the above-mentioned management system of insuring based on bank outlets, remove
Include acquisition module 410, judge module 420, closedown module 430, configuration module 440, receiving module
450th, extraction module 460 and accumulator module 470, in addition to distribute module 480 and establish module 490.
Acquisition module 410 is additionally operable to obtain region zones information.
Specifically, can be divided to the residing region of bank outlets, such as can be divided into according to big region
South China, North China, East China, Central China and west area, or drawn according to provincial
Point, it can further be divided according to city-level, but not limited to this.
Distribute module 480, for establishing regional information table according to region division information, divide in regional information table
With area number corresponding to each area.
Corresponded to specifically, core insurance system can distribute each area according to region division information in regional information table
Area number, for example, divided according to provincial, then the corresponding different numbering of different provinces, Beijing
Area number be 01, Guangdong Province 05, Fujian Province be 08 etc., it is possible to understand that ground, can be according to different
Area is numbered form.
Module 490 is established, the pass of Routing Number and area number is established for the area according to where bank outlets
Connection relation.
Configuration module 440 is additionally operable to be respectively configured corresponding with each insurance kind code of each area number matching
Insured amount threshold value, and generate the insurance kind amount configurationization information matched with each area number.
Specifically, the area number of the Routing Number for the bank outlets for belonging to areal and this area can be entered
Row association, can configure the insured amount threshold value of each insurance kind in each area number, i.e., all silver under this area
The protection amount of insuring of certain insurance kind of row site is accumulative to must not exceed corresponding insured amount threshold value, and generation and area number
The insurance kind amount configurationization information of matching.If the history of all bank outlets of certain insurance kind under somewhere adds up
Protection amount reaches corresponding insured amount threshold value, then can close the channel of insuring of the insurance kind in all bank outlets of this area.
It is convenient that regional bank outlets are carried out with unified management configuration, easy to operate and efficiency high.
In one embodiment, receiving module 450 be additionally operable to reception Add Bank site request.
Specifically, when need to Add Bank site when, core insurance system can receive Add Bank site request, and
New bank outlets are increased according to the site request that Adds Bank.
Acquisition module 410 is additionally operable to be Added Bank bank corresponding to site according to the site acquisition request that Adds Bank
Code and the area at place.
Specifically, bank corresponding to being distributed according to the bank information of newly-increased bank outlets according to specific format
Code, such as according to bank's species distribution or according to area distribution etc..
Establish module 490 to be additionally operable to search area number according to area, and establish and Add Bank corresponding to site
The incidence relation of Routing Number and the area number found.
Specifically, can according to corresponding to searching the area where newly-increased bank outlets area number, and will be new
The Routing Number of the bank outlets of increasing is associated with this area's numbering, i.e., successfully Add Bank site.Core is protected
System can be newly-increased to this bank outlets under insurance kind configuration corresponding to the information such as insured amount threshold value and effective time.
The above-mentioned management system of insuring based on bank outlets, can establish regional information table according to region division information,
And establish the Routing Number of bank outlets and the incidence relation of area number, only needed when Adding Bank site by
Routing Number is associated with area number, and core insurance system voluntarily can be managed to each bank outlets, nothing
By canalization business processing need to be made more convenient, it is easier to safeguard the business of each bank outlets
Data.
Each technical characteristic of embodiment described above can be combined arbitrarily, not right to make description succinct
The all possible combination of each technical characteristic in above-described embodiment is all described, as long as however, these skills
Contradiction is not present in the combination of art feature, is all considered to be the scope of this specification record.
Embodiment described above only expresses the several embodiments of the present invention, and its description is more specific and detailed,
But can not therefore it be construed as limiting the scope of the patent.It should be pointed out that for this area
For those of ordinary skill, without departing from the inventive concept of the premise, some deformations can also be made and changed
Enter, these belong to protection scope of the present invention.Therefore, the protection domain of patent of the present invention should be with appended power
Profit requires to be defined.
Claims (10)
1. a kind of management method of insuring based on bank outlets, it is characterised in that comprise the following steps：
Obtain Routing Number corresponding to bank outlets；
The insurance kind amount configurationization information of matching is obtained according to the Routing Number；
Obtain the cumulative protection amount of history corresponding with each insurance kind code of Routing Number matching；
Judge whether the cumulative protection amount of the history reaches corresponding protection amount according to the insurance kind amount configurationization information
Threshold value；
If reaching, the insurance kind that the cumulative protection amount of history in the bank outlets reaches corresponding insured amount threshold value is closed
The channel of insuring of code.
2. the management method of insuring according to claim 1 based on bank outlets, it is characterised in that institute
Stating method also includes：
Reception is insured request, and according to the acquisition request declaration form data of insuring；
From declaration form extracting data Routing Number, insurance kind code and the corresponding protection amount；
The protection amount is added to and insured protection amount with the history of the Routing Number and the insurance kind code matches
In, obtain the cumulative protection amount of history.
3. the management method of insuring according to claim 1 based on bank outlets, it is characterised in that
Before Routing Number corresponding to the acquisition bank outlets, in addition to：
Obtain region zones information；
Regional information table is established according to the region zones information, distributed in the regional information table eachly
Area number corresponding to area；
The incidence relation of Routing Number and the area number is established in area according to where bank outlets；
The corresponding insured amount threshold value of each insurance kind code with the matching of each area number is respectively configured, and generate with
The insurance kind amount configurationization information of each area number matching.
4. the management method of insuring according to claim 3 based on bank outlets, it is characterised in that
The step of incidence relation of Routing Number and the area number, is established in the area according to where bank outlets
Afterwards, in addition to：
Reception Add Bank site request；
Added Bank Routing Number corresponding to site and the ground at place according to the site acquisition request that Adds Bank
Area；
According to it is described area search area number, and establish described in Add Bank Routing Number corresponding to site with
The incidence relation of the area number found.
5. the management method of insuring according to claim 1 based on bank outlets, it is characterised in that
Before described the step of obtaining Routing Number corresponding to bank outlets, in addition to：
The corresponding insured amount threshold value of each insurance kind code with the matching of each Routing Number is respectively configured, and generate with
The insurance kind amount configurationization information of each Routing Number matching.
A kind of 6. management system of insuring based on bank outlets, it is characterised in that including：
Acquisition module, for obtaining Routing Number corresponding to bank outlets；
The acquisition module is additionally operable to obtain the insurance kind amount configurationization information of matching according to the Routing Number；
The acquisition module is additionally operable to obtain history corresponding with each insurance kind code of Routing Number matching
Cumulative protection amount；
Judge module, for whether judging the cumulative protection amount of the history according to the insurance kind amount configurationization information
Insured amount threshold value corresponding to reaching；
Closedown module, if for reaching, close the cumulative protection amount of history in the bank outlets and reach corresponding
The channel of insuring of the insurance kind code of insured amount threshold value.
7. the management system of insuring according to claim 6 based on bank outlets, it is characterised in that institute
Stating system also includes：
Receiving module, for receiving request of insuring, and according to the acquisition request declaration form data of insuring；
Extraction module, for from declaration form extracting data Routing Number, insurance kind code and the corresponding protection amount；
Accumulator module, for the protection amount to be added to and the Routing Number and the insurance kind code matches
History is insured in protection amount, obtains the cumulative protection amount of history.
8. the management system of insuring according to claim 6 based on bank outlets, it is characterised in that institute
Acquisition module is stated to be additionally operable to obtain region zones information；
The system also includes：
Distribute module, for establishing regional information table according to the region zones information, in the regional information
Area number corresponding to each area is distributed in table；
Module is established, Routing Number and the area number are established for the area according to where bank outlets
Incidence relation；
Configuration module, it is corresponding with each insurance kind code of each area number matching insured amount for being respectively configured
Threshold value, and generate the insurance kind amount configurationization information matched with each area number.
9. the management system of insuring according to claim 8 based on bank outlets, it is characterised in that institute
State receiving module be additionally operable to reception Add Bank site request；
The acquisition module is additionally operable to the site acquisition request that Adds Bank according to and Added Bank corresponding to site
Routing Number and the area at place；
The module of establishing is additionally operable to search area number according to the area, and the net that Added Bank described in foundation
The incidence relation of Routing Number and the area number found corresponding to point.
10. the management system of insuring according to claim 8 based on bank outlets, it is characterised in that institute
State configuration module and be additionally operable to be respectively configured insured amount threshold corresponding with each insurance kind code of each Routing Number matching
Value, and generate the insurance kind amount configurationization information matched with each Routing Number.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610335383.7A CN107403386A (en) | 2016-05-18 | 2016-05-18 | Insure management method and system based on bank outlets |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610335383.7A CN107403386A (en) | 2016-05-18 | 2016-05-18 | Insure management method and system based on bank outlets |
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| CN107403386A true CN107403386A (en) | 2017-11-28 |
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| CN201610335383.7A Pending CN107403386A (en) | 2016-05-18 | 2016-05-18 | Insure management method and system based on bank outlets |
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| CN111815466A (en) * | 2020-07-15 | 2020-10-23 | 前海人寿保险股份有限公司 | Transaction flow control method, device, equipment and readable storage medium |
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