CN107871275B - Business approval method and device - Google Patents

Business approval method and device Download PDF

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CN107871275B
CN107871275B CN201610852893.1A CN201610852893A CN107871275B CN 107871275 B CN107871275 B CN 107871275B CN 201610852893 A CN201610852893 A CN 201610852893A CN 107871275 B CN107871275 B CN 107871275B
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approval
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data
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business
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CN107871275A (en
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唐志辉
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Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08Insurance

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Abstract

The invention relates to a method and a device for service approval, wherein the method for service approval comprises the following steps: after receiving a service request carrying approval information, analyzing whether an approval-terminated service application matched with the approval information exists in the approval-terminated service application or not; if so, taking the service application which is matched with the approval information and terminates the approval as a reference service application; and acquiring the service data in the approval passing state in the reference service application, performing approval-free processing on the service data which is the same as the service data in the approval passing state in the service request, and performing approval processing on other service data. The invention can utilize the service application which is subject to the same examination and approval information and is subject to the examination and approval-free treatment on part of service data in the service request, thereby saving manpower and material resources and improving the examination and approval efficiency.

Description

Business approval method and device
Technical Field
The invention relates to the technical field of finance, in particular to a method and a device for business approval.
Background
In the financial industry, if a client needs to apply for business transaction, such as car insurance business, house loan business, life insurance business, endowment business, etc., from a financial institution (e.g., an insurance institution or a banking institution, etc.), the client first needs to provide client data required by the business to the financial institution, wherein the client data includes identity information, house property information, work information, business type, etc., and then the financial institution performs business approval based on the client data.
Currently, many financial institutions' business applications are subject to termination of approval for various reasons, such as, for example, business applications that are actively abandoned after the customer issues the application, for which no relevant data is provided beyond a specified time limit and considered withdrawn, and so on. Generally, these service applications that are subject to termination of approval are directly discarded and are not highly available.
Disclosure of Invention
The invention aims to provide a method and a device for service approval, which aim to fully utilize the service application of which approval is terminated and improve the efficiency of service approval work.
In order to achieve the above object, the present invention provides a method for business approval, wherein the method for business approval comprises:
s1, after receiving the service request carrying the approval information, analyzing whether the service application which is subject to the approval termination is matched with the approval information or not;
s2, if yes, taking the service application which is matched with the approval information and is subject to approval termination as a reference service application;
and S3, acquiring the service data in the approval passing state in the reference service application, performing approval-free processing on the service data which is the same as the service data in the approval passing state in the service request, and performing approval processing on other service data.
Preferably, the approval information at least includes user identity information and service type information.
Preferably, the step S3 is replaced by:
s4, acquiring the time interval between the application time of the reference service application and the current time, and determining the approval-free data type corresponding to the time interval range in which the time interval is located according to the incidence relation between the preset time interval range and the approval-free data type;
and S5, acquiring the approval state of the service data corresponding to the approval-free data type in the benchmark service application, performing approval-free processing on the service data which is the same as the service data in the approval passing state in the service request, and performing approval processing on other service data.
Preferably, the step S4 is preceded by:
analyzing whether each service data in the service request is consistent with the service data corresponding to the reference service application;
if yes, go to step S4.
In order to achieve the above object, the present invention further provides a device for business approval, wherein the device for business approval comprises:
the analysis module is used for analyzing whether the approved service application matched with the approval information exists in the approved service application after receiving the service request carrying the approval information;
the acquisition module is used for taking the service application which is matched with the approval information and is ended to be approved as a reference service application if the service application is judged to be approved;
and the first approval module is used for acquiring the service data in the approval passing state in the benchmark service application, performing approval-free processing on the service data which is the same as the service data in the approval passing state in the service request, and performing approval processing on other service data.
Preferably, the approval information at least includes user identity information and service type information.
Preferably, the first approval module is replaced by:
the determining module is used for acquiring the time interval between the application time of the reference service application and the current time, and determining the approval-free data type corresponding to the time interval range in which the time interval is located according to the incidence relation between the preset time interval range and the approval-free data type;
and the second approval module is used for acquiring the approval state of the benchmark business application of the business data corresponding to the approval-free data type, performing approval-free processing on the business data which is the same as the business data in the approval passing state in the business request, and performing approval processing on other business data.
Preferably, the system further comprises an analysis module, configured to analyze whether each service data in the service request is consistent with the service data corresponding to the benchmark service application; and if so, triggering the determining module to determine the type of the approval-free data corresponding to the time interval range in which the time interval is located.
The invention has the beneficial effects that: after receiving the service request, the invention acquires the service application which is ended to be approved and matched with the approval information of the service request from the service application which is ended to be approved, takes one of the service application as a reference service application, then acquires the service data in the approval passing state in the reference service application, and carries out approval-free processing on the service data which is the same as the service data in the approval passing state in the service request and is not approved any more, so that the user can utilize the service application which is ended to be approved and has the same approval information to carry out approval-free processing on part of the service data when handling the service, thereby saving manpower and material resources and improving the approval efficiency.
Drawings
FIG. 1 is a schematic flow chart of a first embodiment of a business approval method according to the present invention;
FIG. 2 is a schematic flow chart of a second embodiment of the business approval method of the present invention;
FIG. 3 is a schematic structural diagram of a first embodiment of a business approval apparatus according to the present invention;
fig. 4 is a schematic structural diagram of a second embodiment of the apparatus for business approval according to the present invention.
Detailed Description
The principles and features of this invention are described below in conjunction with the following drawings, which are set forth by way of illustration only and are not intended to limit the scope of the invention.
As shown in fig. 1, fig. 1 is a schematic flow chart of an embodiment of a business approval method of the present invention, and the business approval method includes the following steps:
step S1, after receiving the service request carrying the approval information, analyzing whether the service application which is subject to the approval termination has the service application which is subject to the approval termination and matched with the approval information;
the embodiment can be applied to the service approval server, and the user operates the service approval server on the terminal to send the service request to the service approval server. The service request carries approval information for matching with the terminated service application, and preferably, the approval information at least includes user identity information and service type information, the user identity information may be, for example, an identity card number, and the service type information may be, for example, a major insurance or a credit card claim. In addition, the service request also includes related service data, for example, including house property information, salary certification information, working unit and job position of the user, and application time, etc.
In this embodiment, after receiving the service request, all the service applications whose approval has been terminated are obtained, where the service applications whose approval has been terminated include approval information (including user identity information and service type information), user's house information, salary certification information, work units, work positions, and application time, and also include approval states corresponding to each item of information. And comparing the approval information with the approval information of all the service applications which are subject to the approval termination so as to analyze whether the service applications which are subject to the approval termination and matched with the approval information exist in all the service applications which are subject to the approval termination. When analyzing whether the two are matched, it is necessary to analyze whether the user identity information and the service type information of the two are respectively the same or consistent.
The service application whose approval has been terminated includes a plurality of service data, and some of the service data have been partially approved (for example, one or more service data have been approved), or all of the service data have been approved.
Step S2, if yes, the service application which is matched with the approval information and is subject to approval termination is taken as a reference service application;
in this embodiment, in the service applications whose approval has been terminated and matched with the approval information, if the number of the matched service applications whose approval has been terminated is 1, the service applications whose approval has been terminated is directly used as the reference service application, and if the number of the matched service applications whose approval has been terminated is greater than 1, any one of the matched service applications whose approval has been terminated can be obtained as the reference service application. Of course, if the approval-terminated service application is not matched with the approval information, all service data of the service request needs to be approved.
Step S3, obtaining the service data in the approval pass state in the reference service application, performing approval-free processing on the service data in the service request that is the same as the service data in the approval pass state, and performing approval processing on other service data.
In this embodiment, the approval state includes an approval passing state, an approval failure state, and the service data in the approval passing state in the reference service application is acquired, for example, for the service data "identity information" and "salary certification information" in the reference service application, if both the service data are in the approval passing state, the service data identical to the service data in the approval passing state is acquired from the service request, that is, the "identity information" and the "salary certification information" of the user are acquired from the service request, and the approval state of the two service data is modified into the approval passing state, that is, the service data "identity information" and the "salary certification information" in the service request are subjected to approval-free processing, and do not need to be subjected to approval again. The business data except the business data subjected to the approval-free processing in the business request is approved, for example, the business data except the 'identity information' and 'salary certification information' subjected to the approval-free processing, such as 'house information', 'work unit and work position', and the like, need to be approved.
Compared with the prior art, in the embodiment, after a service request is received, an approved service application matched with approval information of the service request is acquired from the approved service application, one of the approved service applications is used as a reference service application, then service data in an approval passing state in the reference service application is acquired, the service data in the service request, which is the same as the service data in the approval passing state, is not approved any more, namely, is subjected to approval-free processing, and the service data except the approval-free processing is approved, so that a user can use the approved service application with the same approval information when handling services, thereby performing approval-free processing on part of the service data, saving manpower and material resources, and improving the approval efficiency.
In a preferred embodiment, as shown in fig. 2, on the basis of the embodiment of fig. 1, the step S3 is replaced by:
step S4, obtaining the time interval between the application time of the reference service application and the current time, and determining the approval-free data type corresponding to the time interval range in which the time interval is located according to the incidence relation between the preset time interval range and the approval-free data type;
step S5, obtaining the approval state of the service data corresponding to the approval-free data type in the benchmark service application, performing approval-free processing on the service data which is the same as the service data in the approval passing state in the service request, and performing approval processing on other service data.
In this embodiment, after the benchmark business application is selected, the time interval between the application time of the benchmark business application and the current time is calculated, for example, the correspondence between the time interval range and the approval-free data type is pre-stored, the approval-free data type corresponding to the time interval range (0, X1) is the first approval-free data type, the business data of the first approval-free data type includes identity information, property information, salary certification information, work units, work positions and salaries, the approval-free data type corresponding to the time interval range (X1, X2) is the second approval-free data type, the business data of the second approval-free data type includes identity information, property information, work units and work positions, the approval-free data type corresponding to the time interval range (X2, X3) is the third approval-free data type, and the business data of the third approval-free data type includes identity information, property information, work positions, and the business data of the third approval-free data type includes, Property information; a fourth approval-free data type corresponding to the time interval range (X3, + ∞), wherein the business data of the fourth approval-free data type comprises identity information; among them, X1 < X2 < X3, X1 may be set to 48 hours, X2 may be set to 96 hours, and X3 may be set to 168 hours. After calculating the time interval between the application time and the current time of the benchmark business application, for example, the time interval is 30 hours, and the 30 hours are within the time interval range (0, X1), the corresponding approval-free data type may be determined to be the first approval-free data type.
After the approval-free data type is determined, the approval state of the service data corresponding to the approval-free data type in the reference service application is obtained, for example, for the service data of the third approval-free data type, the approval state of the identity information is an approval passing state, the approval state of the property information is an approval failure state, the approval-free processing is performed on the service data in the service request, which is the same as the service data in the approval passing state, for example, the identity information in the approval passing state is copied as the service data of the service request, and subsequently, in the process of approving the service data, the identity information is the approval-free service data, and other service data except the approval-free identity information need to be approved.
If the user has handled the same service once in the past, generally speaking, if the time interval between two times of handling the service is too long, some service data of the user may have changed, and this embodiment limits which service data are in the approval-free range according to the time interval between two times of handling the service, so as to improve the reliability of service approval, and further improve the approval efficiency.
In a preferred embodiment, on the basis of the embodiment of fig. 2, before the step S4, the method further includes:
step S41, analyzing whether each service data in the service request is consistent with the service data corresponding to the reference service application; if yes, go to step S4.
In this embodiment, for each service data in the service request, the service data in the service request is compared with the service data in the reference service application one by one to determine whether the service data in the service request is consistent with the service data in the reference service application, if the service data in the service request is consistent with the service data corresponding to the reference service application, the time interval between the application time of the reference service application and the current time is further obtained, and then the approval-free data type corresponding to the time interval range where the time interval is located is determined according to the incidence relation between the predetermined time interval range and the approval-free data type; and if one or more service data in the service request is inconsistent with the service data corresponding to the reference service application, examining and approving all the service data in the service request.
The embodiment further analyzes the service data in the service request and the service data in the reference service application, and when each service data in the service request is consistent with the service data corresponding to the reference service application, the examination and approval-free data type corresponding to the time interval range where the time interval between the application time of the reference service application and the current time is located can be determined, and the service data of the user is strictly compared and analyzed, so that the service examination and approval reliability is improved, and the examination and approval efficiency is further improved.
As shown in fig. 3, fig. 3 is a schematic structural diagram of an embodiment of a business approval apparatus of the present invention, where the business approval apparatus includes:
the analysis module 101 is configured to analyze whether an approved service application matched with the approval information exists in an approved service application after receiving a service request carrying approval information;
the embodiment can be applied to a service approval server, the service approval device is integrated in the service approval server, and a user operates the service approval server on a terminal to send a service request to the service approval server. The service request carries approval information for matching with the terminated service application, and preferably, the approval information at least includes user identity information and service type information, the user identity information may be, for example, an identity card number, and the service type information may be, for example, a major insurance or a credit card claim. In addition, the service request also includes related service data, for example, including house property information, salary certification information, working unit and job position of the user, and application time, etc.
In this embodiment, after receiving the service request, all the service applications whose approval has been terminated are obtained, where the service applications whose approval has been terminated include approval information (including user identity information and service type information), user's house information, salary certification information, work units, work positions, and application time, and also include approval states corresponding to each item of information. And comparing the approval information with the approval information of all the service applications which are subject to the approval termination so as to analyze whether the service applications which are subject to the approval termination and matched with the approval information exist in all the service applications which are subject to the approval termination. When analyzing whether the two are matched, it is necessary to analyze whether the user identity information and the service type information of the two are respectively the same or consistent.
The service application whose approval has been terminated includes a plurality of service data, and some of the service data have been partially approved (for example, one or more service data have been approved), or all of the service data have been approved.
An obtaining module 102, configured to, if yes, take the service application that has been subject to the approval and is matched with the approval information as a reference service application;
in this embodiment, in the service applications that are subject to the approval termination and matched with the approval information, if the number of the matched service applications that are subject to the approval termination is 1, the service applications that are subject to the approval termination are directly used as the reference service applications, and if the number of the matched service applications that are subject to the approval termination is greater than 1, any one of the service applications that are subject to the approval termination can be obtained as the reference service applications. Of course, if the approval-terminated service application is not matched with the approval information, all service data of the service request needs to be approved.
The first approval module 103 is configured to acquire the service data in the approval pass state in the reference service application, perform approval-free processing on the service data in the service request that is the same as the service data in the approval pass state, and perform approval processing on other service data.
In this embodiment, the approval state includes an approval passing state, an approval failure state, and the service data in the approval passing state in the reference service application is acquired, for example, for the service data "identity information" and "salary certification information" in the reference service application, if both the service data are in the approval passing state, the service data identical to the service data in the approval passing state is acquired from the service request, that is, the "identity information" and the "salary certification information" of the user are acquired from the service request, and the approval state of the two service data is modified into the approval passing state, that is, the service data "identity information" and the "salary certification information" in the service request are subjected to approval-free processing, and do not need to be subjected to approval again. The business data except the business data subjected to the approval-free processing in the business request is approved, for example, the business data except the 'identity information' and 'salary certification information' subjected to the approval-free processing, such as 'house information', 'work unit and work position', and the like, need to be approved.
In a preferred embodiment, as shown in fig. 4, on the basis of the embodiment of fig. 3, the first approval module 103 is replaced with:
a determining module 104, configured to obtain a time interval between application time of the reference service application and current time, and determine, according to an association relationship between a predetermined time interval range and an approval-free data type, an approval-free data type corresponding to the time interval range where the time interval is located;
and the second approval module 105 is configured to acquire an approval state of the service data corresponding to the approval-free data type in the benchmark service application, perform approval-free processing on the service data in the service request, which is the same as the service data in the approval passing state, and perform approval processing on other service data.
In this embodiment, after the benchmark business application is selected, the time interval between the application time of the benchmark business application and the current time is calculated, for example, the correspondence between the time interval range and the approval-free data type is pre-stored, the approval-free data type corresponding to the time interval range (0, X1) is the first approval-free data type, the business data of the first approval-free data type includes identity information, property information, salary certification information, work units, work positions and salaries, the approval-free data type corresponding to the time interval range (X1, X2) is the second approval-free data type, the business data of the second approval-free data type includes identity information, property information, work units and work positions, the approval-free data type corresponding to the time interval range (X2, X3) is the third approval-free data type, and the business data of the third approval-free data type includes identity information, property information, work positions, and the business data of the third approval-free data type includes, Property information; a fourth approval-free data type corresponding to the time interval range (X3, + ∞), wherein the business data of the fourth approval-free data type comprises identity information; among them, X1 < X2 < X3, X1 may be set to 48 hours, X2 may be set to 96 hours, and X3 may be set to 168 hours. After calculating the time interval between the application time and the current time of the benchmark business application, for example, the time interval is 30 hours, and the 30 hours are within the time interval range (0, X1), the corresponding approval-free data type may be determined to be the first approval-free data type.
After the approval-free data type is determined, the approval state of the service data corresponding to the approval-free data type in the reference service application is obtained, for example, for the service data of the third approval-free data type, the approval state of the identity information is an approval passing state, the approval state of the property information is an approval failure state, the approval-free processing is performed on the service data in the service request, which is the same as the service data in the approval passing state, for example, the identity information in the approval passing state is copied as the service data of the service request, and subsequently, in the process of approving the service data, the identity information is the approval-free service data, and other service data except the approval-free identity information need to be approved.
If the user has handled the same service once in the past, generally speaking, if the time interval between two times of handling the service is too long, some service data of the user may have changed, and this embodiment limits which service data are in the approval-free range according to the time interval between two times of handling the service, so as to improve the reliability of service approval, and further improve the approval efficiency.
In a preferred embodiment, on the basis of the embodiment of fig. 4, the apparatus for service approval further includes an analysis module, configured to analyze whether each service data in the service request is consistent with the service data corresponding to the benchmark service application; if yes, the determining module 104 is triggered to determine the approval-free data type corresponding to the time interval range in which the time interval is located.
In this embodiment, for each service data in the service request, the service data in the service request is compared with the service data in the reference service application one by one to determine whether the service data in the service request is consistent with the service data in the reference service application, if the service data in the service request is consistent with the service data corresponding to the reference service application, the time interval between the application time of the reference service application and the current time is further obtained, and then the approval-free data type corresponding to the time interval range where the time interval is located is determined according to the incidence relation between the predetermined time interval range and the approval-free data type; and if one or more service data in the service request is inconsistent with the service data corresponding to the reference service application, examining and approving all the service data in the service request.
The embodiment further analyzes the service data in the service request and the service data in the reference service application, and when each service data in the service request is consistent with the service data corresponding to the reference service application, the examination and approval-free data type corresponding to the time interval range where the time interval between the application time of the reference service application and the current time is located can be determined, and the service data of the user is strictly compared and analyzed, so that the service examination and approval reliability is improved, and the examination and approval efficiency is further improved.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents, improvements and the like that fall within the spirit and principle of the present invention are intended to be included therein.

Claims (8)

1. A method for service approval is applied to a service approval server, and is characterized in that the method for service approval comprises the following steps:
s1, after receiving a service request carrying approval information, comparing the approval information with approval information of all service applications of which approval is terminated, and analyzing whether the service applications of which approval is terminated have the service applications of which approval is terminated, wherein the approval information at least comprises user identity information and service type information, and the service request also comprises related service data;
s2, if yes, taking the service application which is matched with the approval information and is subject to approval termination as a reference service application;
and S3, acquiring the service data in the approval passing state in the reference service application, performing approval-free processing on the service data which is the same as the service data in the approval passing state in the service request, and performing approval processing on other service data.
2. The method of claim 1, wherein the approval information comprises at least user identity information and service type information.
3. The method for business approval of claim 1 or 2, wherein said step S3 is replaced by:
s4, acquiring the time interval between the application time of the reference service application and the current time, and determining the approval-free data type corresponding to the time interval range in which the time interval is located according to the incidence relation between the preset time interval range and the approval-free data type;
and S5, acquiring the approval state of the service data corresponding to the approval-free data type in the benchmark service application, performing approval-free processing on the service data which is the same as the service data in the approval passing state in the service request, and performing approval processing on other service data.
4. The method for business approval of claim 3, wherein said step S4 is preceded by the further step of:
analyzing whether each service data in the service request is consistent with the service data corresponding to the reference service application;
if yes, go to step S4.
5. A device for business approval, which is integrated in a business approval server, is characterized in that the device for business approval comprises:
the analysis module is used for comparing the approval information with the approval information of all the service applications of which the approval is terminated after receiving the service request carrying the approval information, and analyzing whether the service applications of which the approval is terminated have the service applications of which the approval is terminated and matched with the approval information, wherein the approval information at least comprises user identity information and service type information, and the service request also comprises related service data;
the acquisition module is used for taking the service application which is matched with the approval information and is ended to be approved as a reference service application if the service application is judged to be approved;
and the first approval module is used for acquiring the service data in the approval passing state in the benchmark service application, performing approval-free processing on the service data which is the same as the service data in the approval passing state in the service request, and performing approval processing on other service data.
6. The apparatus for business approval according to claim 5, wherein the approval information at least comprises user identity information and business type information.
7. The apparatus for business approval of claim 5 or 6, wherein the first approval module is replaced by:
the determining module is used for acquiring the time interval between the application time of the reference service application and the current time, and determining the approval-free data type corresponding to the time interval range in which the time interval is located according to the incidence relation between the preset time interval range and the approval-free data type;
and the second approval module is used for acquiring the approval state of the benchmark business application of the business data corresponding to the approval-free data type, performing approval-free processing on the business data which is the same as the business data in the approval passing state in the business request, and performing approval processing on other business data.
8. The apparatus for business approval of claim 7, further comprising an analysis module, configured to analyze whether each piece of business data in the business request is consistent with the business data corresponding to the benchmark business application; and if so, triggering the determining module to determine the type of the approval-free data corresponding to the time interval range in which the time interval is located.
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