CN108038788B - Insurance object price inquiry method and device, storage medium and electronic equipment - Google Patents
Insurance object price inquiry method and device, storage medium and electronic equipment Download PDFInfo
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- CN108038788B CN108038788B CN201711259804.3A CN201711259804A CN108038788B CN 108038788 B CN108038788 B CN 108038788B CN 201711259804 A CN201711259804 A CN 201711259804A CN 108038788 B CN108038788 B CN 108038788B
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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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0281—Customer communication at a business location, e.g. providing product or service information, consulting
Abstract
The embodiment of the invention relates to a method and a device for inquiring the price of an insurance object, belonging to the technical field of data processing, wherein the method comprises the following steps: checking the inquiry qualification of the inquiry user according to the policy information of the inquiry user in a first designated time period; after the price inquiring qualification of the price inquiring user passes the verification, verifying the price inquiring qualification of the insurance object according to the price inquiring times of the insurance object in a second appointed time period; and after the inquiry qualification of the insurance object passes the verification, calling an inquiry interface to inquire the insurance price of the insurance object. The method can avoid the overlarge system access amount caused by malicious price inquiry of most users and the economic loss caused by the need of acquiring data from the insurance industry platform, reduce the access burden of the system, improve the price inquiry speed of the users and improve the user experience.
Description
Technical Field
The embodiment of the invention relates to the technical field of data processing, in particular to an insurance object price inquiry method, an insurance object price inquiry device, a computer readable storage medium and electronic equipment.
Background
With the rapid development of electronic commerce, electronic insurance policies are more and more generally accepted by the wide range of users. Among them, the electronic policy related to the automobile insurance is one of the policies that are commonly applied.
The general flow of the electronic insurance policy business of the automobile insurance can comprise the following steps: firstly, registering a user from an electronic insurance platform; relevant information is then filled in and submitted and then the information on the annual insurance price of each vehicle is obtained. However, the policy service has the following disadvantages: on one hand, most users only ask for specific prices and do not purchase insurance, so that a large access burden is caused to the electronic insurance platform; on the other hand, the price inquiry interface is required to be connected with an insurance industry platform to acquire data according to the requirements of the insurance supervision, so a certain fee is required to be paid for acquiring the data each time, and if most users frequently carry out malicious price inquiry, enterprises can suffer from certain economic loss.
Therefore, it is necessary to provide a new method for inquiring the price of the application object.
It is to be noted that the information invented in the above background section is only for enhancing the understanding of the background of the present invention, and therefore, may include information that does not constitute prior art known to those of ordinary skill in the art.
Disclosure of Invention
The present invention is directed to a method, an apparatus, a computer-readable storage medium, and an electronic device for asking a price of an insurance application, which overcome, at least to some extent, the problem of economic loss caused by malicious asking of a price by a user due to limitations and disadvantages of the related art.
The embodiment of the invention provides a method for inquiring the price of an insurance object, which comprises the following steps:
checking the inquiry qualification of the inquiry user according to the policy information of the inquiry user in a first designated time period;
after the price inquiring qualification of the price inquiring user passes the verification, verifying the price inquiring qualification of the insurance object according to the price inquiring times of the insurance object in a second appointed time period;
and after the inquiry qualification of the insurance object passes the verification, calling an inquiry interface to inquire the insurance price of the insurance object.
Optionally, the verifying the inquiry qualification of the inquiry user according to the policy information of the inquiry user in the first specified time period specifically includes:
judging whether the number of the inquired but not paid insurance policies of the price inquiring user in the first specified time period meets a first specified condition;
and when the inquired price but not paid insurance policy quantity of the inquiring user in the first specified time period is judged to meet the first specified condition, the inquiring qualification of the inquiring user is verified to be passed.
Optionally, the first time period and the second time period are time periods before the inquiry user receives a price inquiry request including the application information of the application object, and the second time period is longer than the second time period;
the first preset condition is the number of the policy which is submitted by the price inquiring user in the first time period and has been inquired but not made a deal; the second preset condition is the number of the policy which is inquired but not paid by the inquiring user in a second time period; the number of the inquired but unpaid policy corresponding to the first preset condition is smaller than the number of the inquired but unpaid policy corresponding to the second preset condition.
Optionally, the first specified time period comprises a first time period and a second time period; the first set condition comprises a first preset condition and a second preset condition;
the method for verifying the inquiry qualification of the inquiry user according to the policy information of the inquiry user in the first specified time period specifically comprises the following steps:
judging whether the number of the policy inquired but not paid by the inquiry user in the first time period meets a first preset condition;
when the number of the policy inquired but not paid by the inquiring user in the first time period is judged to meet a first preset condition, judging whether the number of the policy inquired but not paid by the inquiring user in the second time period meets a second preset condition;
and when the inquired price but not paid insurance policy number of the inquiry user in the second time period is judged to meet a second preset condition, the inquiry qualification of the inquiry user passes verification.
Optionally, the method for asking for prices for insurance objects further includes:
and outputting a first prompt message when judging that the number of the policy inquired but not paid by the inquiry user in the first time period does not meet a first preset condition.
Optionally, the method for asking for prices for insurance objects further includes:
and outputting a second prompt message when judging that the number of the policy inquired but not paid by the price inquiring user in the second time period does not meet a second preset condition.
Optionally, the verifying the query qualification of the insurance object according to the query times of the insurance object in the second specified time period specifically includes:
judging whether the price query frequency of the insurable object in the second specified time period meets a second specified condition;
and when the price inquiry times of the inquiry user in the second specified time period meet the second specified condition, the inquiry qualification of the insurable object passes verification.
Optionally, the second designated time period comprises a third time period and a fourth time period; the second specified condition comprises a third preset condition and a fourth preset condition;
the method for verifying the inquiry qualification of the insurance object according to the inquiry times of the insurance object in the second specified time period specifically comprises the following steps:
judging whether the price inquiring times of the insurable object in the third time period meet a third preset condition or not;
when the number of times of price inquiry of the insurance object in the third time period is judged to meet a third preset condition, judging whether the number of times of price inquiry of the insurance object in the fourth time period meets a fourth preset condition;
and when the inquiry times of the insurance object in the fourth time period meet a fourth preset condition, the inquiry qualification of the insurance object passes verification.
Optionally, the third time period and the fourth time period are time periods after the inquiry user receives a price inquiry request including the application information of the application object, and the fourth time period is longer than the third time period;
the third preset condition is the price inquiring times of the insurable object in the third time period; the fourth preset condition is the price inquiring times of the insurable object in the fourth time period; the price inquiring times corresponding to the third preset condition is smaller than the price inquiring times corresponding to the fourth preset condition.
Optionally, the method for asking for prices for insurance objects further includes:
and outputting third prompt information when the number of times of price inquiry of the insurance object in the third time period is judged not to meet a first preset condition.
Optionally, the method for asking for prices for insurance objects further includes:
and outputting fourth prompt information when judging that the price inquiring times of the insurance application object in the fourth time period do not meet a fourth preset condition.
Optionally, invoking a price query interface to query the insurance price of the insurance object specifically includes:
calling the inquiry interface, and sending a price inquiry request comprising the application information of the application object to a price consultation platform;
and receiving premium price information of the insurable object, which is fed back by the price consultation platform in response to the price inquiry request.
The embodiment of the invention provides a price inquiring device for an insurance application object, which comprises:
the user qualification checking module is used for checking the inquiry qualification of the inquiry user according to the policy information of the inquiry user in a first specified time period;
the qualification verification module of the insurance object is used for verifying the price inquiry qualification of the insurance object according to the price inquiry times of the insurance object in a second appointed time period after the price inquiry qualification of the price inquiry user passes the verification;
and the insurance price inquiry module is used for calling an inquiry price interface to inquire the insurance price of the insurance object after the inquiry qualification of the insurance object passes the verification.
An embodiment of the present invention provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the method for charging an insurance object.
An embodiment of the present invention provides an electronic device, including:
a processor; and
a memory for storing executable instructions of the processor;
wherein the processor is configured to perform any of the above mentioned methods of pricing an insurance object via execution of the executable instructions.
The embodiment of the invention provides a method for inquiring a insurance object, which is characterized in that the inquiry qualification of an inquiry user is verified according to policy information of the inquiry user in a first specified time period; after the user's inquiry qualification is verified, verifying the inquiry qualification of the insurance object according to the inquiry times of the insurance object in a second specified time period; when the inquiry qualification of the insurable object passes the verification, calling an inquiry interface to inquire the insurable price of the insurable object; on one hand, the inquiry qualification of the inquiry user and the inquiry qualification of the insurance object are checked, and when the inquiry qualification of the inquiry user and the inquiry qualification of the insurance object are checked to be passed, the price of the insurance object is inquired, so that the excessive system access caused by malicious inquiry of most users and the economic loss caused by the need of acquiring data from an insurance industry platform can be avoided, the access burden of the system is reduced, the price inquiry speed of the user is increased, and the user experience is improved; on the other hand, by setting the preset conditions, the problem that the user cannot operate again due to misoperation in the first price inquiring process is avoided, the user experience is further improved, and the transaction rate of the policy is improved.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the invention, as claimed.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description, serve to explain the principles of the invention. It is obvious that the drawings in the following description are only some embodiments of the invention, and that for a person skilled in the art, other drawings can be derived from them without inventive effort.
FIG. 1 schematically illustrates a flow chart of a method for pricing an insurance object.
Figure 2 schematically illustrates a flow chart of a method for verifying the eligibility of a querying user based on policy information of the querying user over a first specified time period.
Fig. 3 is a flow chart of another method for verifying the query qualification of the inquiring user according to the policy information of the inquiring user in a first specified time period.
FIG. 4 is a flow diagram that schematically illustrates a method for verifying eligibility for an insured object based on the number of price queries the insured object has over a second specified time period.
FIG. 5 schematically illustrates another verification of the eligibility of an insured object for a price inquiry based on the number of times the insured object is queried within a second specified time period.
FIG. 6 is a flow chart that schematically illustrates a method for querying an application price of the application object by calling a price query interface
FIG. 7 schematically illustrates a functional block diagram of a method of tender object query.
FIG. 8 schematically illustrates a flow chart of another method of tender object query.
Fig. 9 schematically shows a block diagram of an insurance object pricing inquiry apparatus.
FIG. 10 schematically illustrates an electronic medium for implementing the method for pricing an application object described above.
FIG. 11 schematically illustrates a computer-readable storage medium for implementing the aforementioned method of tender object query.
Detailed Description
Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art. The described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to provide a thorough understanding of embodiments of the invention. One skilled in the relevant art will recognize, however, that the invention may be practiced without one or more of the specific details, or with other methods, components, devices, steps, and so forth. In other instances, well-known technical solutions have not been shown or described in detail to avoid obscuring aspects of the invention.
Furthermore, the drawings are merely schematic illustrations of the invention and are not necessarily drawn to scale. The same reference numerals in the drawings denote the same or similar parts, and thus their repetitive description will be omitted. Some of the block diagrams shown in the figures are functional entities and do not necessarily correspond to physically or logically separate entities. These functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor devices and/or microcontroller devices.
The example embodiment first provides a method for inquiring the price of an insurance object, which can be operated in a server, a server cluster or a cloud server; of course, those skilled in the art may also operate the method of the present invention on other platforms as needed, and this is not particularly limited in this exemplary embodiment. Referring to fig. 1, the method for inquiring the price of the insurance object may include the following steps:
step S110, checking the inquiry qualification of the inquiry user according to the policy information of the inquiry user in a first designated time period.
And S120, after the price inquiring qualification of the price inquiring user passes the verification, verifying the price inquiring qualification of the insurance object according to the price inquiring times of the insurance object in a second specified time period.
And S130, after the inquiry qualification of the insurance object passes the verification, calling an inquiry interface to inquire the insurance price of the insurance object.
In the insurance object price inquiry method, on one hand, the inquiry qualification of the inquiry user and the inquiry qualification of the insurance object are checked firstly, and the price of the insurance object is inquired after the inquiry qualification of the inquiry user and the check of the inquiry qualification of the insurance object are passed, so that overlarge system access amount caused by malicious inquiry of most users and economic loss caused by acquiring data from an insurance industry platform can be avoided, the access burden of the system is reduced, the price inquiry speed of the user is increased, and the user experience is improved; on the other hand, the problem that the user cannot operate again due to misoperation in the first price inquiring process is solved by setting the preset condition.
Next, the above-described insurance object price inquiry method in the present exemplary embodiment will be explained and explained in detail.
Figure 2 is a flow diagram of a method for verifying the eligibility of a querying user based on policy information of the querying user over a first specified time period. Wherein:
in step S210, it is determined whether the amount of the policy that the inquiring user has inquired but not made a deal in the first specified time period satisfies a first specified condition. In detail:
the inquiry user can be determined by obtaining identification information of the inquiry user, wherein the identification information may include a member ID, a mailbox address, a mobile phone number, and the like of the inquiry user, which is not limited in this example. After determining the inquiry user, whether the number of the policy which has been inquired but not paid by the inquiry user in the first designated time period meets the preset condition can be judged according to the identification information.
In step S220, when it is determined that the amount of the policy which has been inquired but not made a deal in the first specified time period of the inquiry user satisfies the first specified condition, the inquiry qualification of the inquiry user passes. For example:
when the enquiry user inquires but not makes a transaction in a first appointed time period, the enquiry qualification of the enquiry user fails to be checked, and at the moment, the enquiry user can satisfy the first appointed condition by changing the enquiry but not made transaction amount in the first appointed time period.
Figure 3 is a flow diagram of another method for verifying the eligibility of a querying user based on policy information of the querying user during a first specified time period. Wherein: the first designated time period may include a first preset time period and a second preset time period, the first time period and the second time period are time periods before the inquiry user receives the price inquiry request including the application information of the application object, and the second time period is longer than the second time period; the first specified condition can comprise a first preset condition and a second preset condition, wherein the first preset condition is the quantity of the policy which is submitted by the enquiry user in a first time period and has been enquired but not committed; the second preset condition is the number of the policy which is inquired but not paid by the inquiry user in the second time period; the amount of the charged but outstanding policy corresponding to the first preset condition is less than the amount of the charged but outstanding policy corresponding to the second preset condition. As shown in fig. 3, the method may include the steps of:
in step S310, it is determined whether the amount of the policy that the user has inquired but not made a deal in the first time period satisfies a first preset condition. For example:
whether the number of the inquired but unpaid policy (the number of the inquired but unpaid vehicles) of the inquiring user in a first time period (for example, one day, or two or three days, which is not particularly limited in this embodiment of the present invention) satisfies a first preset condition (for example, less than 3 (stations) or 4 (stations) is obtained according to the identification information of the inquiring user, which is not particularly limited in this embodiment of the present invention). In addition, it may also be determined whether the number of policy that the user has inquired but not made a deal in the first time period meets the first preset condition according to other conditions, for example, the number of times the user accesses the system in the first preset time period, and the like.
In step S320, when it is determined that the amount of the policy that the enquiry user has enquired but not made a transaction in the first time period satisfies a first preset condition, it is determined whether the amount of the policy that the enquiry user has enquired but not made a transaction in the second time period satisfies a second preset condition. For example:
after the number of the inquired but outstanding insurance policies of the inquiring user in the first time period satisfies the first preset condition, it may be further determined whether the number of the inquired but outstanding insurance policies (the number of the inquired but outstanding vehicles) of the inquiring user in the second time period (for example, within one month, or within 40 days, which is not specifically limited in this embodiment of the present invention) satisfies the second preset condition (for example, less than 5 or 6 or one vehicle, which is not specifically limited in this embodiment of the present invention).
It should be noted that the second time period is greater than the first time period, so that the query qualification of the user is further verified by determining the tightening of the condition.
Further, when the number of the inquired but not paid insurance policies of the inquiry user in the first time period exceeds 3 times, the inquiry user can be reminded, and the method specifically includes: and outputting a first prompt message when judging that the number of the policy inquired but not paid by the inquiry user in the first time period does not meet a first preset condition. For example:
when the number of the policy which has been inquired but not paid for by the inquiry user in the first time period exceeds 3 times, the number of the policy which has been inquired but not paid for by the inquiry user in the first time period is judged not to meet a first preset condition, and a first prompt message can be output, wherein the first prompt message can include: the insurance vehicle at present also has X stations which do not carry out payment operation, and please check whether other vehicles continue to be insured; further, when the number of the inquired but not paid insurance policies of the inquiry user in the first time period exceeds 2 times, a prompt message can be output, for example: the number of vehicles that you can query today may also include X number of vehicles, please check whether to continue the next query, and the like, which is not particularly limited in the embodiment of the present invention.
In step S330, when it is determined that the amount of the policy which has been inquired but not made a deal in the second time period of the inquiry user satisfies a second preset condition, the inquiry qualification of the inquiry user passes. For example:
when the number of the inquired but not-paid insurance policies (the number of inquired but not-paid vehicles) of the inquiry user in the second time period (within one month) is 4 or 5, the inquiry user can be judged that the inquired but not-paid insurance policy number in the second time period meets a second preset condition; therefore, the inquiry qualification of the inquiring user can be considered to be passed. Furthermore, on the basis of judging whether the inquired but not-committed policy quantity of the inquiry user in the first time period meets the first preset condition, whether the inquired but not-committed policy quantity of the inquiry user in the second time period meets the second preset condition is judged, so that a part of malicious inquiry users can be eliminated, and the burden of the system is reduced.
Further, when the number of the inquired but not paid insurance policies of the inquiry user in the second time period exceeds 5 times, the inquiry user may be prompted, which may specifically include: and outputting a second prompt message when judging that the number of the policy inquired but not paid by the price inquiring user in the second time period does not meet a second preset condition. For example:
when the number of the policy which has been inquired but not paid for by the inquiry user in the second time period exceeds 5 times, judging that the number of the policy which has been inquired but not paid for by the inquiry user in the second time period does not meet a second preset condition, and outputting a second prompt message, wherein the second prompt message may include: if X vehicles which are not paid for are available in the vehicles which are newly insured, the user asks to verify whether other vehicles are continuously insured; further, when the number of the inquired but not paid insurance policies of the inquiry user in the second time period exceeds 4 times, a prompt message can also be output, for example: the number of vehicles that you can query recently may also include X number of vehicles, please check whether to continue querying next time, and the like, which is not limited in this embodiment of the present invention.
FIG. 4 is a flow diagram of a method for verifying an insurance object's eligibility for a query based on the number of queries the insurance object has over a second specified period of time. Wherein:
in step S410, it is determined whether the number of price queries of the insurable object in the second specified time period satisfies a second specified condition. In detail:
and after the price inquiring qualification of the price inquiring user passes the verification, judging whether the price inquiring times of the insurance object in a second specified time period meet a second specified condition according to the same insurance object corresponding to the insurance policy information submitted by the price inquiring user (whether the insurance policy information belongs to the same insurance object can be judged according to the frame number, the license plate number and the engine number on the insurance policy information). It should be added that the insurance object may be obtained through policy information before the user is authenticated, or may be obtained through policy information after the user is authenticated, and the embodiment of the present invention is not limited in this respect.
In step S420, when it is determined that the price query times of the price query user in the second specified time period satisfy the preset condition, the price query qualification of the insurance application object passes verification. In detail:
when the number of times of price inquiry of the insurance object in the third appointed time period does not meet the third pre-appointed piece, the inquiry qualification verification of the insurance object fails, and at the moment, the insurance object can meet the third appointed condition by changing the number of times of price inquiry in the third appointed time period.
FIG. 5 is a flow diagram of another method for verifying the eligibility of an insured object for a price inquiry based on the number of price inquiries of the insured object over a second specified time period. Wherein: the second designated time period may include a third preset time period and a fourth preset time period, the third and fourth time periods are time periods after the inquiry user receives the price inquiry request including the insurance information of the insurance target, and the fourth time period is longer than the third time period; the second specified condition may include a third preset condition and a fourth preset condition, where the third preset condition is the number of times of price inquiry of the insurance object in a third time period; the fourth preset condition is the price inquiring times of the insurable object in a fourth time period; the price inquiring times corresponding to the third preset condition is smaller than the price inquiring times corresponding to the fourth preset condition. As shown in fig. 5, the method may include the steps of:
in step S510, it is determined whether the number of times of price inquiry of the insurance object in the third time period satisfies a third preset condition. For example:
according to whether the number of times of price inquiry within the third time period (for example, one day, two days or three days, etc., which is not particularly limited by the embodiment of the present invention) of the application object meets a third preset condition (for example, less than 12 times, or 14 times or 15 times, which is not particularly limited by the embodiment of the present invention), it is determined whether the number of times of price inquiry within the third time period of the application object meets the first preset condition. In addition, it may also be determined whether the number of price enquiries of the insurance object in the third time period satisfies a third preset condition according to other conditions, for example, the number may be an average number of price enquiries per day, and the embodiment of the present invention is not limited in this respect.
In step S520, when it is determined that the price inquiry frequency of the insurance object in the third time period satisfies a third preset condition, it is determined whether the price inquiry frequency of the insurance object in the fourth time period satisfies a fourth preset condition. For example:
when the price inquiring times of the insurable object in the third time period meet a third preset condition; whether the number of times of price inquiry of the application object in the fourth time period (for example, within one month, or within 45 days or two months, which is not specifically limited by the embodiment of the present invention) meets a fourth preset price adjustment (for example, less than 24 times, or 28 times or 30 times, which is not specifically limited by the embodiment of the present invention) may be further determined, so as to determine whether the number of times of price inquiry of the application object in the fourth time period meets a fourth preset condition.
It should be noted that the fourth time period is longer than the third time period, so that the query qualification of the insured object is further verified by determining the tightening of the condition.
Further, when the number of times of price inquiry of the insurance object in the third time period exceeds 12 times, the user may be reminded, which may specifically include: and outputting third prompt information when the number of times of price inquiry of the insurance object in the third time period is judged not to meet a third preset condition. For example:
when the number of times of price inquiry of the same insurance application object in the third time period exceeds 12 times, the number of times of price inquiry of the insurance application object in the third time period is judged not to meet a third preset condition, and third prompt information can be output, and the third prompt information can include: the number of times of inquiry of the platform today of the vehicle for which a user applies insurance reaches M times, and inquiry can be carried out for N times; further, when the number of times of price inquiry of the insurance object in the third time period exceeds 10 times, the prompt message may also be output, for example: the number of inquiry times of the platform for which a user applies insurance today reaches 10 times, 2 inquiry times can be performed, and the user is asked to confirm whether to perform next inquiry, which is not particularly limited in the embodiment of the invention.
In step S530, when it is determined that the number of times of price inquiry of the insurance object in the fourth time period satisfies a fourth preset condition, the price inquiry qualification of the insurance object passes. For example:
when the number of price enquiries of the insurance object in the fourth time period (within one month) is 22 or 24, judging that the number of price enquiries of the insurance object in the fourth time period meets a fourth preset condition; when the number of times of inquiring the insurance object in the fourth time period is judged to meet the fourth preset condition, the condition that the inquiry qualification of the insurance object passes the verification can be confirmed. Furthermore, on the basis of judging whether the price inquiry frequency of the insurance object in the third time period meets the third preset condition, whether the price inquiry frequency of the insurance object in the fourth time period meets the fourth preset condition is judged, so that malicious price inquiry users can be further eliminated, the burden of the system is further lightened, and the expenditure is saved.
Further, when the number of times of price inquiry of the insurance object in the fourth time period exceeds 24 times, the user may be reminded, which may specifically include: and outputting fourth prompt information when judging that the price inquiring times of the insurance application object in the fourth time period do not meet a fourth preset condition. For example:
when the number of price enquiries of the same insurance object in the fourth time period exceeds 24 times, the number of price enquiries of the insurance object in the fourth time period is judged not to meet a fourth preset condition, and fourth prompt information can be output, wherein the fourth prompt information can include: the number of times of the latest platform inquiry of the vehicle to be insured reaches A times, and B times of inquiry can be carried out; further, when the number of times of price inquiry of the insurance object in the fourth time period exceeds 20 times, a prompt message may also be output, for example: the number of times of querying the latest platform of the vehicle for insurance has reached 20 times, 4 queries can be performed, and a user is asked to confirm whether to perform the next query, which is not particularly limited in the embodiment of the present invention.
FIG. 6 is a flow chart of a method for querying an application price of the application object by calling a price querying interface. Wherein:
in step S610, the query interface is called, and a price query request including the application information of the application object is sent to a price consultation platform. In detail:
referring to fig. 7, after the qualification check of the insurance application object is passed, the insurance service system 801 calls a price inquiry interface, and then sends a price inquiry request including insurance information of the insurance application object to the price consulting platform 702; when the price consultation platform 702 receives the price inquiry request including the insurance information, it inquires the premium price information of the insurance object and sends the inquired premium price information to the insurance service system 701.
In step S620, premium price information of the insurance target fed back by the price consulting platform in response to the price querying request is received. In detail:
as shown in fig. 7, after receiving premium price information fed back by the price consulting platform 702 in response to the price querying request, the insurance service system 701 sends the premium price information to the client 703 (for example, a mobile terminal or the like) of the user, so that the user views the querying result, and applies insurance to the insurance target according to the querying result.
The method for inquiring the insurance object in the exemplary embodiment is explained and explained with reference to a specific application scenario.
Referring to fig. 8, in step S801, identification information corresponding to a query user is acquired;
step S802, judging whether the quantity of the policy which is inquired but not paid by the inquiry user in the first time period meets a first preset condition (less than or equal to 3) according to the identification information; when the first preset condition is met, jumping to step S804; when the first preset condition is not met, jumping to the step S803;
step S803, outputting the first prompt information: the insurance vehicle at present also has X stations which do not carry out payment operation, and please check whether other vehicles continue to be insured;
s804, judging whether the number of the policy inquired but not paid by the inquiry user in the second time period meets a second preset condition (less than or equal to 5 sheets); when the second preset condition is met, jumping to step S806; when the second preset condition is not met, jumping to step S805;
step S805, outputting second prompt information: if X vehicles which are not paid for are available in the vehicles which are newly insured, the user asks to verify whether other vehicles are continuously insured;
step S806, acquiring an insurance application object corresponding to the insurance policy information;
step S807, judging whether the price inquiring times of the insurable object in a third time period meet a third preset condition (less than or equal to 12 times); when the third preset condition is met, jumping to step S809; when the third preset condition is not met, jumping to step S808;
step S808, outputting third prompt information: the number of times of inquiry of the platform today of the vehicle for which a user applies insurance reaches M times, and inquiry can be carried out for N times;
step S809, judging whether the price inquiring times of the insurance object in the fourth time period meets a fourth preset condition (less than or equal to 24 times); when the fourth preset condition is met, jumping to step S811; when the third preset condition is not met, jumping to step S810;
step S810, outputting fourth prompt information: the number of times of the latest platform inquiry of the vehicle to be insured reaches A times, and B times of inquiry can be carried out;
step S811, the premium price information of the insurance application object is inquired and fed back to the client.
The embodiment of the invention also provides a price inquiring device for the insurable object. Referring to FIG. 9, the insurance object pricing query means may include a user qualification checking module 910, an insurance object qualification checking module 920, and an insurance price querying module 930. Wherein:
the user qualification verification module 910 may be configured to verify the qualification of the querying user based on the policy information of the querying user during the first specified time period.
The insurance object qualification checking module 920 can be configured to check the qualification of the insurance object according to the number of times of inquiring the insurance object in the second specified time period after the qualification of inquiring the insurance user passes.
The insurance price query module 930 may be configured to invoke the price query interface to query the insurance price of the insurance object when the query qualification of the insurance object passes.
The details of each module in the above mentioned insurance object price inquiry apparatus have been described in detail in the corresponding insurance object price inquiry method, and therefore are not described herein again.
It should be noted that although in the above detailed description several modules or units of the device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functionality of two or more modules or units described above may be embodied in one module or unit, according to embodiments of the invention. Conversely, the features and functions of one module or unit described above may be further divided into embodiments by a plurality of modules or units.
Moreover, although the steps of the methods of the present invention are depicted in the drawings in a particular order, this does not require or imply that the steps must be performed in this particular order, or that all of the depicted steps must be performed, to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions, etc.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiment of the present invention can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to make a computing device (which can be a personal computer, a server, a mobile terminal, or a network device, etc.) execute the method according to the embodiment of the present invention.
In an exemplary embodiment of the present invention, there is also provided an electronic device capable of implementing the above method.
As will be appreciated by one skilled in the art, aspects of the present invention may be embodied as a system, method or program product. Thus, various aspects of the invention may be embodied in the form of: an entirely hardware embodiment, an entirely software embodiment (including firmware, microcode, etc.) or an embodiment combining hardware and software aspects that may all generally be referred to herein as a "circuit," module "or" system.
An electronic device 1000 according to this embodiment of the invention is described below with reference to fig. 10. The electronic device 1000 shown in fig. 10 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 10, the electronic device 1000 is embodied in the form of a general purpose computing device. The components of the electronic device 1000 may include, but are not limited to: the at least one processing unit 1010, the at least one memory unit 1020, and a bus 1030 that couples various system components including the memory unit 1020 and the processing unit 1010.
Wherein the storage unit stores program code that is executable by the processing unit 1010 to cause the processing unit 1010 to perform steps according to various exemplary embodiments of the present invention as described in the "exemplary methods" section above in this specification. For example, the processing unit 1010 may execute step S110 as shown in fig. 1: checking the inquiry qualification of the inquiry user according to the policy information of the inquiry user in a first designated time period; s120: after the price inquiring qualification of the price inquiring user passes the verification, verifying the price inquiring qualification of the insurance object according to the price inquiring times of the insurance object in a second appointed time period; step S130: and after the inquiry qualification of the insurance object passes the verification, calling an inquiry interface to inquire the insurance price of the insurance object.
The storage unit 1020 may include readable media in the form of volatile memory units, such as a random access memory unit (RAM)10201 and/or a cache memory unit 10202, and may further include a read-only memory unit (ROM) 10203.
The memory unit 1020 may also include a program/utility 10204 having a set (at least one) of program modules 10205, such program modules 10205 including, but not limited to: an operating system, one or more application programs, other program modules, and program data, each of which, or some combination thereof, may comprise an implementation of a network environment.
The electronic device 1000 may also communicate with one or more external devices 1100 (e.g., keyboard, pointing device, Bluetooth device, etc.), and may also communicate with one or more devices that enable a user to interact with the electronic device 1000, and/or with any devices (e.g., router, modem, etc.) that enable the electronic device 1000 to communicate with one or more other computing devices.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiment of the present invention can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to make a computing device (which can be a personal computer, a server, a terminal device, or a network device, etc.) execute the method according to the embodiment of the present invention.
In an exemplary embodiment of the present invention, there is also provided a computer-readable storage medium having stored thereon a program product capable of implementing the above-described method of the present specification. In some possible embodiments, aspects of the invention may also be implemented in the form of a program product comprising program code means for causing a terminal device to carry out the steps according to various exemplary embodiments of the invention described in the above section "exemplary methods" of the present description, when said program product is run on the terminal device.
Referring to fig. 11, a program product 1110 for implementing the above method according to an embodiment of the present invention is described, which may employ a portable compact disc read only memory (CD-ROM) and include program code, and may be run on a terminal device, such as a personal computer. However, the program product of the present invention is not limited in this regard and, in the present document, a readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
The program product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium include: an electrical connection having one or more wires, a portable disk, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
A computer readable signal medium may include a propagated data signal with readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A readable signal medium may also be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Program code for carrying out operations of the present invention may be written in any combination of one or more programming languages, including AN object oriented programming language such as Java, C + +, or the like, as well as conventional procedural programming languages, such as the "C" language or similar programming languages.
Furthermore, the above-described figures are merely schematic illustrations of processes involved in methods according to exemplary embodiments of the invention, and are not intended to be limiting. It will be readily understood that the processes shown in the above figures are not intended to indicate or limit the chronological order of the processes. In addition, it is also readily understood that these processes may be performed synchronously or asynchronously, e.g., in multiple modules.
Other embodiments of the invention will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the invention following, in general, the principles of the invention and including such departures from the present disclosure as come within known or customary practice within the art to which the invention pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the invention being indicated by the following claims.
Claims (8)
1. A method for pricing an application object, comprising:
determining the price inquiring user according to the identification information of the price inquiring user;
checking the inquiry qualification of the inquiry user according to the policy information of the inquiry user in a first designated time period;
after the price inquiring qualification of the price inquiring user passes the verification, verifying the price inquiring qualification of the insurance object according to the price inquiring times of the insurance object in a second appointed time period;
after the inquiry qualification of the insurance object passes the verification, calling an inquiry interface, sending a price inquiry request comprising the insurance information of the insurance object to a price inquiry platform, and receiving premium price information of the insurance object fed back by the price inquiry platform in response to the price inquiry request;
the method for verifying the inquiry qualification of the inquiry user according to the policy information of the inquiry user in the first specified time period specifically comprises the following steps:
judging whether the number of the inquired but not paid insurance policies of the price inquiring user in the first specified time period meets a first specified condition;
when the inquired price but not paid insurance policy number of the inquiring user in the first specified time period is judged to meet the first specified condition, the inquiring qualification of the inquiring user is verified to be passed;
wherein the first specified time period comprises a first time period and a second time period; the first specified condition comprises a first preset condition and a second preset condition;
the method for verifying the inquiry qualification of the inquiry user according to the policy information of the inquiry user in the first specified time period specifically comprises the following steps:
judging whether the number of the policy inquired but not paid by the inquiry user in the first time period meets a first preset condition;
when the number of the policy inquired but not paid by the inquiring user in the first time period is judged to meet a first preset condition, judging whether the number of the policy inquired but not paid by the inquiring user in the second time period meets a second preset condition;
when the inquired price but not paid insurance policy number of the inquiry user in the second time period is judged to meet a second preset condition, the inquiry qualification of the inquiry user passes verification;
the first time period and the second time period are time periods before the inquiry user receives a price inquiry request comprising the insurance information of the insurance object, and the second time period is longer than the second time period;
the first preset condition is the number of the policy which is submitted by the price inquiring user in the first time period and has been inquired but not made a deal; the second preset condition is the number of the policy which is inquired but not paid by the inquiring user in a second time period; the number of the inquired but unpaid policy corresponding to the first preset condition is smaller than the number of the inquired but unpaid policy corresponding to the second preset condition.
2. The method of claim 1, wherein the method further comprises:
and outputting a first prompt message when judging that the number of the policy inquired but not paid by the inquiry user in the first time period does not meet a first preset condition.
3. The method of claim 1, wherein the method further comprises:
and outputting a second prompt message when judging that the number of the policy inquired but not paid by the price inquiring user in the second time period does not meet a second preset condition.
4. The method of claim 1, wherein the second designated time period comprises a third time period and a fourth time period; the second specified condition comprises a third preset condition and a fourth preset condition;
the step of verifying the inquiry qualification of the insurance object according to the inquiry times of the insurance object in a second specified time period specifically comprises the following steps:
judging whether the price inquiring times of the insurable object in a third time period meets a third preset condition or not;
when the number of times of price inquiry of the insurance object in the third time period is judged to meet a third preset condition, judging whether the number of times of price inquiry of the insurance object in a fourth time period meets a fourth preset condition;
and when the inquiry times of the insurance object in the fourth time period meet a fourth preset condition, the inquiry qualification of the insurance object passes verification.
5. The method of claim 4, wherein the third time period and the fourth time period are the time periods after the enquiring user receives the price enquiry request including the insurance information of the insurance object, and the fourth time period is longer than the third time period;
the third preset condition is the price inquiring times of the insurable object in the third time period; the fourth preset condition is the price inquiring times of the insurable object in the fourth time period; the price inquiring times corresponding to the third preset condition is smaller than the price inquiring times corresponding to the fourth preset condition.
6. An insurance object pricing inquiry apparatus, comprising:
the user qualification checking module is used for checking the inquiry qualification of the inquiry user according to the policy information of the inquiry user in a first specified time period;
the qualification verification module of the insurance object is used for verifying the price inquiry qualification of the insurance object according to the price inquiry times of the insurance object in a second appointed time period after the price inquiry qualification of the price inquiry user passes the verification;
the insurance price inquiry module is used for calling an inquiry interface after the inquiry qualification of the insurance object passes the check, sending a price inquiry request comprising the insurance information of the insurance object to a price consultation platform, and receiving the insurance cost information of the insurance object fed back by the price consultation platform in response to the price inquiry request;
the device is also used for determining the price inquiring user according to the identification information of the price inquiring user;
the method for verifying the inquiry qualification of the inquiry user according to the policy information of the inquiry user in the first specified time period specifically comprises the following steps:
judging whether the number of the inquired but not paid insurance policies of the price inquiring user in the first specified time period meets a first specified condition;
when the inquired price but not paid insurance policy number of the inquiring user in the first specified time period is judged to meet the first specified condition, the inquiring qualification of the inquiring user is verified to be passed;
wherein the first specified time period comprises a first time period and a second time period; the first specified condition comprises a first preset condition and a second preset condition;
the method for verifying the inquiry qualification of the inquiry user according to the policy information of the inquiry user in the first specified time period specifically comprises the following steps:
judging whether the number of the policy inquired but not paid by the inquiry user in the first time period meets a first preset condition;
when the number of the policy inquired but not paid by the inquiring user in the first time period is judged to meet a first preset condition, judging whether the number of the policy inquired but not paid by the inquiring user in the second time period meets a second preset condition;
when the inquired price but not paid insurance policy number of the inquiry user in the second time period is judged to meet a second preset condition, the inquiry qualification of the inquiry user passes verification;
the first time period and the second time period are time periods before the inquiry user receives a price inquiry request comprising the insurance information of the insurance object, and the second time period is longer than the second time period;
the first preset condition is the number of the policy which is submitted by the price inquiring user in the first time period and has been inquired but not made a deal; the second preset condition is the number of the policy which is inquired but not paid by the inquiring user in a second time period; the number of the inquired but unpaid policy corresponding to the first preset condition is smaller than the number of the inquired but unpaid policy corresponding to the second preset condition.
7. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the method of challenging an insurance object according to any one of claims 1 to 5.
8. An electronic device, comprising:
a processor; and
a memory for storing executable instructions of the processor;
wherein the processor is configured to perform the method of charging an insurance object of any of claims 1 to 5 via execution of the executable instructions.
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| CN201711259804.3A CN108038788B (en) | 2017-12-04 | 2017-12-04 | Insurance object price inquiry method and device, storage medium and electronic equipment |
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| US8744881B2 (en) * | 2011-02-02 | 2014-06-03 | Oferta, Inc. | Systems and methods for purchasing insurance |
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| CN103489120A (en) * | 2013-10-12 | 2014-01-01 | 从兴技术有限公司 | Credit sale network lottery drawing system and implementation method thereof |
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Address after: Floor 36, Zheshang Building, No. 718 Jianshe Avenue, Jiang'an District, Wuhan, Hubei 430019 Patentee after: TK.CN INSURANCE Co.,Ltd. Patentee after: TAIKANG INSURANCE GROUP Co.,Ltd. Address before: 156 fuxingmennei street, Xicheng District, Beijing 100031 Patentee before: TAIKANG INSURANCE GROUP Co.,Ltd. Patentee before: TK.CN INSURANCE Co.,Ltd. |