CN108090839A - Income settlement method, server and storage medium - Google Patents
Income settlement method, server and storage medium Download PDFInfo
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- CN108090839A CN108090839A CN201810044978.6A CN201810044978A CN108090839A CN 108090839 A CN108090839 A CN 108090839A CN 201810044978 A CN201810044978 A CN 201810044978A CN 108090839 A CN108090839 A CN 108090839A
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Abstract
The invention discloses in income settlement method, server and storage medium, the income settlement method creates a virtual account table, and the insurance information data of all clients in omnipotent credit are stored in the virtual account table；When reaching preset time, start income settlement and the additional premium data of each client are obtained from virtual account table；It identifies the insurance kind type that each client insures and obtains the interest rate for being marked and chasing after and protecting the insurance kind for solely calculating function, income settlement is carried out to the additional premium data of each client according to the interest rate of acquisition and records update, exports accounting updates knot.Existing omnipotent clearing framework is improved by virtual account table, the amount of money of additional premium part is distinguished in the case where not influencing existing omnipotent account settlement, meets the requirement that Insurance Regulatory Commission need to individually handle the clearing of the additional premium for the precious insurance kind that amasses great fortunes.
Description
Technical field
The present invention relates to algorithm demo system technical fields, and in particular to income settlement method, server and storage medium.
Background technology
Existing omnipotent insurance kind is all only settled accounts there are one omnipotent account.But Insurance Regulatory Commission is to the precious insurance kind requirement that amasses great fortunes
The golden omnipotent account amount of money of part of bonus existence and the amount of money of additional premium part need to be opened independently, to the profit of additional premium and clearing
Interest statement is stayed alone reason.And existing omnipotent account cannot meet the independent calculating requirement that the precious insurance kind that amasses great fortunes chases after guarantor.
Therefore, the prior art has yet to be improved and developed.
The content of the invention
Part in view of above-mentioned deficiencies of the prior art, it is an object of the invention to provide a kind of income settlement method, services
Device and storage medium improve existing omnipotent clearing framework by increasing a virtual account table newly.It is recorded in virtual account table
All information datas in omnipotent credit, but only the omnipotent account amount of money of additional part is settled accounts, as omnipotent account
Supplement.The amount of money of additional premium data portion is so distinguished in the case where not influencing existing omnipotent account settlement.In order to
Reach above-mentioned purpose, this invention takes following technical schemes：
A kind of income settlement method, includes the following steps：
A virtual account table is created, the insurance information number of all clients in omnipotent credit is stored in the virtual account table
According to；
When reaching preset time, start income settlement and the additional premium data of each client are obtained from virtual account table；
It identifies the insurance kind type that each client insures and obtains the interest rate for being marked and chasing after and protecting the insurance kind for solely calculating function, according to the profit of acquisition
Rate carries out income settlement to the additional premium data of each client and records update, exports accounting updates knot.
In the income settlement method, the additional premium data of each client are obtained in the table from virtual account
After step, further include：
It identifies the sequence of each client in virtual account table and carries out batch clearing, every batch of obtains the addition of the client of default quantity
Premium data.
In the income settlement method, insurance kind type that each client of the identification insures and obtaining is marked that chase after guarantor only
The interest rate of the insurance kind of function is calculated, income settlement is carried out to the additional premium data of each client according to the interest rate of acquisition and is recorded more
Newly, the step of exporting accounting updates knot includes：
It identifies the insurance kind type that each client insures and generates corresponding interest table, to having the function of that chasing after guarantor solely calculates in the interest table
Insurance kind be marked；
Inquired about in the interest table and extract marked all insurance kinds and its corresponding interest rate, by the insurance kind extracted and
Its corresponding interest rate generation chases after guarantor and solely calculates interest table；
It identifies the insurance kind type of each client and inquires about corresponding interest rate chasing after to protect in solely calculation interest table, according to the interest rate and currently
Additional premium data calculate this income；
It records the date of this clearing and as a result, the amount of money of the current additional premium data of update, exports accounting updates result.
It is described to protect the insurance kind solely calculated into rower to having the function of to chase after in the interest table in the income settlement method
The step of note, includes：
It sets one to chase after guarantor behind the insurance kind code of each insurance kind in interest table and solely calculates function choice box, detection chases after guarantor and solely calculates function
When choice box is selected, increase by a preset characters behind the insurance kind code to be marked.
It is described to be inquired about in the interest table and extract marked all insurance kinds in the income settlement method
And its step of corresponding interest rate, includes：
Judge whether have more a preset characters behind each insurance kind code；If so, identify that the insurance kind that the client is insured is tool
There is the insurance kind for chasing after and protecting and solely calculating function, extract insurance kind title, insurance kind code and its corresponding interest rate of the insurance kind.
In the income settlement method, it is marked in the insurance kind type for identifying each client and insuring and acquisition and chases after guarantor
The interest rate of the insurance kind of function is solely calculated, income settlement is carried out to the additional premium data of each client according to the interest rate of acquisition and is recorded more
Newly, after the step of exporting accounting updates result, further include：
When amount of money operation is got in execution, receive the insurance kind code of input and inquire about the additional premium data and history of corresponding insurance kind
Income；Compare the size for getting the amount of money and historical yield, according to comparative result from historical yield or historical yield and additional premium
Corresponding payment amount is deducted in data.
It is described when amount of money operation is got in execution in the income settlement method, receive the insurance kind code of input simultaneously
The additional premium data and historical yield of the corresponding insurance kind of inquiry；Compare the size for getting the amount of money and historical yield, tied according to comparing
Fruit from historical yield or historical yield with deducting corresponding payment amount in additional premium data the step of include：
When amount of money operation is got in execution, receive the insurance kind code of input and inquire about the history of the additional premium data of corresponding insurance kind
Income compares historical yield and the size for getting the amount of money of input；
If historical yield, which is equal to, gets the amount of money, the historical yield of the insurance kind is reset and records payment information；
If historical yield, which is more than, gets the amount of money, the payment information got the amount of money and record the insurance kind is subtracted in historical yield；
If historical yield, which is less than, gets the amount of money, historical yield is reset and calculated and gets the difference of the amount of money and historical yield；
According to the mathematic interpolation payment amount and service charge in additional premium data, and record payment information.
In the income settlement method, the amount of money and the difference of historical yield got is from additional premium data
The remaining sum of payment；
The calculation formula of remaining sum is：RA= PA-（PA×P%）, wherein, PA represents payment amount, and RA represents remaining sum,
P% represents percentage.
A kind of application server of income settlement, including：Processor, memory, communication bus;It is stored on the memory
There is the computer-readable program that can be performed by the processor；
The communication bus realizes the connection communication between processor and memory；
The processor is realized when performing the computer-readable program in the as above income settlement method described in any one
Step.
A kind of computer readable storage medium, there are one the computer-readable recording medium storages or multiple programs,
One or more of programs can be performed by one or more processor, to realize the income knot described in as above any one
Step in calculation method.
In income settlement method provided by the invention, server and storage medium, it is empty that the income settlement method creates one
Intend credit, the insurance information data of all clients in omnipotent credit are stored in the virtual account table；It is default reaching
During the time, start income settlement and the additional premium data of each client are obtained from virtual account table；Identify what each client insured
Insurance kind type simultaneously obtains the interest rate for being marked and chasing after and protecting the insurance kind for solely calculating function, according to the interest rate of acquisition to the additional premium of each client
Data carry out income settlement and record update, export accounting updates knot.Existing omnipotent clearing are improved by virtual account table
Framework, although all insurance information data in omnipotent credit are had recorded in virtual account table, only to additional premium data
It is settled accounts.The amount of money of additional premium part is distinguished in the case where not influencing existing omnipotent account settlement, meets guarantor's prison
The requirement that the clearing of the additional premium for the precious insurance kind that amasses great fortunes can individually need to be handled.
Description of the drawings
Fig. 1 is the flow chart for the income settlement method that the embodiment of the present invention one provides；
Fig. 2 is the flow chart of step S20 in the income settlement method that the embodiment of the present invention one provides；
Fig. 3 is the flow chart of income settlement method provided by Embodiment 2 of the present invention；
Fig. 4 is the flow chart of step S30 in income settlement method provided by Embodiment 2 of the present invention；
Fig. 5 is the running environment schematic diagram of the preferred embodiment of the application server of income settlement provided by the invention；
Fig. 6 is the functional block diagram of the preferred embodiment of the application server of present invention installation income settlement.
Specific embodiment
In view of omnipotent account cannot chase after the precious insurance kind that amasses great fortunes the shortcomings that guarantor carries out independent calculating in the prior art, it is of the invention
A kind of income settlement method, server and storage medium are designed to provide, is improved by increasing a virtual account table newly existing
The omnipotent clearing framework having.All information datas in omnipotent credit are recorded in virtual account table, but only to additional part
Omnipotent account amount of money is settled accounts, the supplement as omnipotent account.So in the case where not influencing existing omnipotent account settlement
Distinguish the amount of money of additional premium part.To make the purpose of the present invention, technical solution and effect clearer, clear and definite, join below
Developing simultaneously according to attached drawing, the present invention is described in more detail for embodiment.It should be appreciated that specific embodiment described herein only to
It explains the present invention, is not intended to limit the present invention.
Referring to Fig. 1, the flow chart of its income settlement method provided for the embodiment of the present invention one.It is as shown in Figure 1, described
Income settlement method comprises the following steps：
S10, a virtual account table is created, the insurance information of all clients in omnipotent credit is stored in the virtual account table
Data；
The present embodiment, only there are one on the basis of omnipotent credit, creates a virtual account table in the existing precious insurance kind that amasses great fortunes.It should
Store the insurance information data of all clients in omnipotent credit in virtual account table, but virtual account table with it is existing omnipotent
Credit is mutual indepedent.The checkout result of so virtual account table does not interfere with the checkout result of omnipotent credit, figures interest
Virtual account table only settles accounts the omnipotent account amount of money of additional part during income.It is to be appreciated that existing only one
A omnipotent credit and requirement stay alone to the interest bill of additional premium and clearing other insurance kinds also applicable the present embodiment of reason
Income settlement method herein only by taking the precious insurance kind that amasses great fortunes as an example, does not limit the applicable insurance kind scope of this income settlement method.
S20, when reaching preset time, start income settlement and simultaneously obtain the additional premium of each client from virtual account table
Data.
The preset time of virtual account system in every month（Such as No. 18 a.m.）Automatic start income settlement function, from void
Intend obtaining the additional premium data of all clients in credit.It can recognize that the sequence of each client in virtual account table is gone forward side by side after acquisition
Row batch settlement process, every batch of obtain the additional premium data of the client of default quantity.If every 15 clients are a batch one
Clearing are played, the additional premium data that subsequent 15 clients are obtained after a batch processed is complete are settled accounts together as another batch.This
Sample is avoided that the problem of overabundance of data causes virtual account system operation slow or stuck, moreover it is possible to improve accuracy.
The insurance information data of each client have been prestored in virtual account table（As insurer personal information, insure
Insurance kind, Claims Resolution situation, situation of Profit etc.）, the insurance information data are identical with the information in existing omnipotent credit.
The interest rate for chasing after and protecting the insurance kind for solely calculating function is marked in the insurance kind type and acquisition that S30, each client of identification insure, according to
The interest rate of acquisition carries out income settlement to the additional premium data of each client and records update, exports accounting updates result.It please be same
When refering to Fig. 2, the flow chart of step S30 in the income settlement method provided for the embodiment of the present invention one.
As shown in Fig. 2, the step S30 includes：
S31, identify the insurance kind type that each client insures and generate corresponding interest table, guarantor's solely calculation is chased after to having in the interest table
The insurance kind of function is marked.
Since the interest rate of each insurance kind is different, virtual account system is according to the current insurance kind type generation for having client and being thrown
The corresponding interest table of corresponding insurance kind of one official regulations.Include the insurance kind that all clients insure in virtual account table in interest table
Insurance kind title, insurance kind code and the corresponding interest rate of the insurance kind.
The insurance kind type insured based on every client is different, and some insurance kinds do not chase after guarantor and solely calculate function.And this virtual account
System is only to having the function of that chasing after the insurance kind protected and solely calculated carries out income settlement.Therefore, it is necessary to chase after guarantor's solely calculation work(to having in interest table
The insurance kind of energy is marked.Virtual account system can set one to chase after guarantor in interest table and solely calculate behind the insurance kind code of each insurance kind
Function choice box, if detection chases after guarantor, solely calculation function choice box is selected, and the insurance kind code of the insurance kind is marked.Such as in danger
Increase by a marker bit behind kind code, the content of marker bit may be configured as a preset characters to be marked.
S32, inquired about in the interest table and extract marked all insurance kinds and its corresponding interest rate, will extracted
Insurance kind and its corresponding interest rate generation chase after guarantor solely calculate interest table.
Based on the interest rate that all insurance kinds are covered in the interest table, therefore it need to first find out the insurance kind for chasing after and protecting and solely calculating function
Interest rate settled accounts again.Having been marked in advance in interest table by step S31 has the function of to chase after the insurance kind protected and solely calculated, this
Step, which need to be found out to have the function of to chase after according to mark, protects the insurance kind solely calculated and its corresponding interest rate, is settled accounts again afterwards.During inquiry
Judge whether have more a preset characters behind each insurance kind code；If when having more a preset characters, identify that the client is insured
Insurance kind be that there is to chase after the insurance kind protected and solely calculated, extract insurance kind title, insurance kind code and its corresponding interest rate of the insurance kind.
If judging, insurance kind code does not have more a preset characters, identifies that the insurance kind that the client is insured solely calculates function without guarantor is chased after,
Continue to identify next insurance kind code, until all insurance kind codes of interest table are completed to judge.Described chase after is deposited in the only calculation interest table of guarantor
All insurance kind and its corresponding interest rates for having the function of to chase after that guarantor solely calculates are stored up.The insurance kind that each client is thrown only is chasing after guarantor's solely calculation profit
It can be inquired in rate table, need to just settle accounts the income of additional premium data.
S33, the insurance kind type of each client of identification simultaneously inquire about corresponding interest rate chasing after to protect in solely calculation interest table, according to the interest rate
This income is calculated with current additional premium data.
Each client can insure one or more parts insurance, and all insurance kinds of each client are identified, are chasing after by this step successively
It protects and solely calculates in interest table inquire about whether have corresponding insurance kind（Specifically can guarantor's solely calculation interest table chased after according to the insurance kind code of each insurance kind
Whether middle inquiry has matched insurance kind code）, the current additional premium data of some bases and chase after guarantor solely calculate interest table in the danger
The interest rate of kind calculates the interest of additional premium.The interest computational methods of additional premium data are the prior art, are not gone to live in the household of one's in-laws on getting married herein
It states.If next insurance kind that the client is identified without if, until again to next client after the completion of all insurance kinds processing of a client
All insurance kinds carry out identical processing.
S34, the date for recording this clearing and as a result, the amount of money of the current additional premium data of update, output clearing are more
New result.
The result includes the income of currently used interest rate and current additional premium data, and record date and result are convenient for
Later stage consults.
The present embodiment one improves existing omnipotent clearing framework by increasing a virtual account table.Virtual account table with
Existing omnipotent credit is mutual indepedent, and virtual account table does not interfere with the calculating of omnipotent credit, although in virtual account table
Have recorded all insurance information data in omnipotent credit, but the only omnipotent account gold to the addition part for needing individually to calculate
Volume is settled accounts.And to interconnected system（It such as settles a claim system）It is sightless, whens omnipotent clearing individually settles accounts, as omnipotent account
The supplement at family.The amount of money of additional premium part is so distinguished in the case where not influencing existing omnipotent account settlement, is met
The requirement that Insurance Regulatory Commission need to individually handle the clearing of the additional premium for the precious insurance kind that amasses great fortunes.
In insurance business, client can require to get partial amount at any time.When the precious account that then amasses great fortunes carries out interest clearing, also
It need to be paid according to the amount of money of getting of customer requirement from the capital of additional premium data and income.Referring to Fig. 3, it is the present invention
The flow chart for the income settlement method that embodiment two provides.As shown in figure 3, the income settlement method comprises the following steps：
S10, a virtual account table is created, the insurance information of all clients in omnipotent credit is stored in the virtual account table
Data；
S20, when reaching preset time, start income settlement and simultaneously obtain the additional premium number of each client from virtual account table
According to.
The interest rate for chasing after and protecting the insurance kind for solely calculating function is marked in the insurance kind type and acquisition that S30, each client of identification insure, according to
The interest rate of acquisition carries out income settlement to the additional premium data of each client and records update, exports accounting updates result.
Step S10 and step S20 are identical in embodiment one, do not repeat this time.On the basis of embodiment one, examine
Consider the situation of customer pickup premium, the income settlement method further includes：
S40, when execution get the amount of money operation when, receive the insurance kind code of input and inquire about corresponding insurance kind additional premium data and
Historical yield；Compare the size for getting the amount of money and historical yield, according to comparative result from historical yield or historical yield and addition
Corresponding payment amount is deducted in premium data.It is step in income settlement method provided by the invention please refer to Fig. 4
The flow chart of S40.
As shown in figure 4, the step S40 includes：
S41, when execution get the amount of money operation when, receive the insurance kind code of input and inquire about the additional premium data of corresponding insurance kind
Historical yield compares historical yield and the size for getting the amount of money of input.
When client leads money from declaration form, first client is paid with income；What if income was less than client gets the amount of money, then from chasing after
Payments balance in the capital of rating data.This step gets the size of the amount of money and historical yield by comparing, you can clearly leads
The payment approach of the amount of money is taken, avoids a directly stroke button capital that income is caused to reduce.
If S42, historical yield, which are equal to, gets the amount of money, the historical yield of the insurance kind is reset and records payment information.
If historical yield, which is equal to, gets the amount of money, you can directly by historical yield absolute payment to client, historical yield at this time
Zero.Payment information is recorded, when payment information includes prepaid status indication, the specified number for getting the amount of money and current system
Between, in case later stage access.
If S43, historical yield, which are more than, gets the amount of money, the payment got the amount of money and record the insurance kind is subtracted in historical yield
Information.
If historical yield, which is more than, gets the amount of money, the income that can extract and get amount of money equivalence from historical yield is paid
Client, at this time historical yield also surplus.Payment information is recorded in case the later stage consults.
If S44, historical yield, which are less than, gets the amount of money, historical yield is reset and calculated and gets the difference of the amount of money and historical yield
Value.
The historical yield derives from existing whole historical yield less than the part for when getting the amount of money, getting the amount of money,
Remaining part（That is difference）From additional premium data.Historical yield is reset and represents to give historical yield absolute payment
Client.It calculates and gets the difference of the amount of money and historical yield, be the amount of money for also needing payment in additional premium data in order to obtain.
S45, in additional premium data according to the mathematic interpolation payment amount and service charge, and record payment information.
The amount of money and the difference of historical yield got is the remaining sum that need to be paid from additional premium data.It is remaining
The amount of money is the final actual value for giving client plus historical yield.Remaining sum is subtracted by the payment amount of additional premium data
Go after service charge what is obtained, service charge is the percentage of payment amount, then the calculation formula of remaining sum is：RA= PA-（PA×
P%）.Wherein, PA represents payment amount, and RA represents remaining sum（It is known）, P% expression percentages.Percentage is certain value, specifically
Numerical value is related to the year that insurance kind is insured, it is preferable that is got in First Year, then percentage is 3 percent；Second year is percentage
Two, the 3rd year be 1 percent.Payment amount and service charge can be calculated according to formula.The current additional guarantor of update afterwards
Take the amount of money of data and record this result of calculation.
By carrying out independent clearing to additional premium data, increase on the basis of existing omnipotent clearing framework is not changed
Virtual account table individually to calculate additional premium data, and needs the situation payment of extraction amount of money time-division in client, is provided for client
The optimal means of payment ensures maximum value.
Referring to Fig. 5, Fig. 5 is the internal structure schematic diagram of one embodiment Computer equipment.The computer equipment can
To be terminal or server, wherein, terminal can be smart mobile phone, tablet computer, laptop, desktop computer,
Personal digital assistant and Wearable etc. have the electronic equipment of communication function.Server can be independent server,
It can be the server cluster of multiple server compositions.With reference to Fig. 5, which includes the place connected by system bus
Manage device, non-volatile memory medium, built-in storage and network interface.Wherein, the non-volatile memory medium of the computer equipment
Can storage program area and computer-readable program, which is performed, and may be such that processor performs one kind
Income settlement method.The processor of the computer equipment supports entire computer equipment for providing configuration and computing capability
Operation.Computer-readable program can be stored in the built-in storage, when which is executed by processor, may be such that
Processor performs a kind of income settlement method.The network interface of computer equipment such as exports corresponding for carrying out network communication
Income settlement result etc..It will be understood by those skilled in the art that the structure shown in Fig. 5, only related to application scheme
Part-structure block diagram, do not form the restriction for the computer equipment being applied thereon to application scheme, it is specific to count
Calculating machine equipment can include either combining some components or with different portions than more or fewer components shown in figure
Part is arranged.
The present invention also provides a kind of application server of income settlement, including processor 10, memory 20 and display
30.Fig. 5 illustrates only the members of the application server of income settlement, it should be understood that being not required for implementing all
The component shown, what can be substituted implements more or less components.
The memory 20 can be the interior of each component of the application server of the income settlement in some embodiments
Portion's storage unit, such as the hard disk or memory of application server.The memory 20 can also be institute in further embodiments
State the External memory equipment of each component of the application server of income settlement, such as each component of the application server of income settlement
The plug-in type hard disk of upper outfit, intelligent memory card（Smart Media Card, SMC）, secure digital（Secure Digital,
SD）Card, flash card（Flash Card）Deng.Further, the memory 20 can also both include answering for the income settlement
Also include External memory equipment with the internal storage unit of server.The memory 20 is installed on the income knot for storing
The application software and Various types of data of the application server of calculation, such as the program code of the application server of the installation income settlement
Deng.The memory 20 can be also used for temporarily storing the data that has exported or will export.In one embodiment, deposit
Income settlement program 40 is stored on reservoir 20, which can be performed by processor 10, so as to fulfill this Shen
Please each embodiment income settlement method.
The processor 10 can be a central processing unit in some embodiments（Central Processing Unit,
CPU）, microprocessor or other data processing chips, for running the program code stored in the memory 20 or processing number
According to, such as perform described income settlement method etc..
The display 30 can be light-emitting diode display, liquid crystal display, touch-control liquid crystal display in some embodiments
And OLED（Organic Light-Emitting Diode, Organic Light Emitting Diode）Touch device etc..The display 30 is used
In being shown in the result settled accounts in the income settlement.The component 10-30 of the application server of the income settlement passes through system
Bus is in communication with each other.
In one embodiment, following step is realized when processor 10 performs income settlement program 40 in the memory 20
Suddenly：
A virtual account table is created, the insurance information number of all clients in omnipotent credit is stored in the virtual account table
According to；
When reaching preset time, start income settlement and the additional premium data of each client are obtained from virtual account table；
It identifies the insurance kind type that each client insures and obtains the interest rate for being marked and chasing after and protecting the insurance kind for solely calculating function, according to the profit of acquisition
Rate carries out income settlement to the additional premium data of each client and records update, exports accounting updates knot.
Further, after the step of additional premium data of each client are obtained in the table from virtual account, also wrap
It includes：
It identifies the sequence of each client in virtual account table and carries out batch clearing, every batch of obtains the addition of the client of default quantity
Premium data.
The interest rate for chasing after and protecting the insurance kind for solely calculating function is marked in the insurance kind type and acquisition that each client of identification insures, according to
The interest rate of acquisition carries out income settlement to the additional premium data of each client and is wrapped the step of recording update, export accounting updates knot
It includes：
It identifies the insurance kind type that each client insures and generates corresponding interest table, to having the function of that chasing after guarantor solely calculates in the interest table
Insurance kind be marked；
Inquired about in the interest table and extract marked all insurance kinds and its corresponding interest rate, by the insurance kind extracted and
Its corresponding interest rate generation chases after guarantor and solely calculates interest table；
It identifies the insurance kind type of each client and inquires about corresponding interest rate chasing after to protect in solely calculation interest table, according to the interest rate and currently
Additional premium data calculate this income；
It records the date of this clearing and as a result, the amount of money of the current additional premium data of update, exports accounting updates result.
It is described to include to having the function of to chase after the step of insurance kind protected and solely calculated is marked in the interest table：
It sets one to chase after guarantor behind the insurance kind code of each insurance kind in interest table and solely calculates function choice box, detection chases after guarantor and solely calculates function
When choice box is selected, increase by a preset characters behind the insurance kind code to be marked.
It is described to inquire about in the interest table and wrapped the step of extracting marked all insurance kinds and its corresponding interest rate
It includes：
Judge whether have more a preset characters behind each insurance kind code；If so, identify that the insurance kind that the client is insured is tool
There is the insurance kind for chasing after and protecting and solely calculating function, extract insurance kind title, insurance kind code and its corresponding interest rate of the insurance kind.
It is marked in the insurance kind type for identifying each client and insuring and acquisition and chases after the interest rate for protecting the insurance kind for solely calculating function, root
Income settlement is carried out to the additional premium data of each client according to the interest rate of acquisition and records update, exports the step of accounting updates result
After rapid, further include：
When amount of money operation is got in execution, receive the insurance kind code of input and inquire about the additional premium data and history of corresponding insurance kind
Income；Compare the size for getting the amount of money and historical yield, according to comparative result from historical yield or historical yield and additional premium
Corresponding payment amount is deducted in data.
It is described when execution get the amount of money operation when, receive the insurance kind code of input and inquire about the additional premium number of corresponding insurance kind
According to and historical yield；Compare the size for getting the amount of money and historical yield, according to comparative result from historical yield or historical yield with
The step of deducting corresponding payment amount in additional premium data includes：
When amount of money operation is got in execution, receive the insurance kind code of input and inquire about the history of the additional premium data of corresponding insurance kind
Income compares historical yield and the size for getting the amount of money of input；
If historical yield, which is equal to, gets the amount of money, the historical yield of the insurance kind is reset and records payment information；
If historical yield, which is more than, gets the amount of money, the payment information got the amount of money and record the insurance kind is subtracted in historical yield；
If historical yield, which is less than, gets the amount of money, historical yield is reset and calculated and gets the difference of the amount of money and historical yield；
According to the mathematic interpolation payment amount and service charge in additional premium data, and record payment information.
The amount of money and the difference of historical yield got is the remaining sum that need to be paid from additional premium data；
The calculation formula of remaining sum is：RA= PA-（PA×P%）, wherein, PA represents payment amount, and RA represents remaining sum,
P% represents percentage.
Referring to Fig. 6, its function mould for the preferred embodiment of the application server of present invention installation income settlement program
Block diagram.In the present embodiment, the application server for installing income settlement program can be divided into one or more modules, described
One or more module is stored in the memory, and by one or more processors（The present embodiment is the processing
Device）It is performed, to complete the present invention.For example, in figure 6, the application server of installation income settlement program can be divided into
Creation module 31 starts acquisition module 32 and calculates update module 33.The so-called module of the present invention is to refer to complete specific work(
The series of computation machine program segment of energy, than program more suitable for describing application of the income settlement program in the income settlement
Implementation procedure in server.The function of the module 31-33 will specifically be introduced by being described below.
For creating a virtual account table, institute in omnipotent credit is stored in the virtual account table for creation module 31
There are the insurance information data of client.
Start acquisition module 32, for when reaching preset time, starting income settlement and being obtained from virtual account table
The additional premium data of each client.
Update module 33 is calculated, function is solely calculated for identifying insurance kind type that each client insures and obtaining to be marked to chase after to protect
The interest rate of insurance kind carries out income settlement to the additional premium data of each client according to the interest rate of acquisition and records update, output knot
Calculate update knot.
Further, the acquisition module 32 that starts is additionally operable to the sequence of each client in identification virtual account table and is criticized
Secondary clearing, every batch of obtain the additional premium data of the client of default quantity.
Further, the calculating update module 33 includes extraction indexing unit, form generation unit, income calculation unit
And recording unit, wherein：
The extraction indexing unit, for identifying insurance kind type that each client insures and generating corresponding interest table, to the profit
Have the function of that chasing after the insurance kind protected and solely calculated is marked in rate table.
The form generation unit, for marked all insurance kinds and its right to be inquired about and extracted in the interest table
The insurance kind extracted and its generation of corresponding interest rate are chased after guarantor and solely calculate interest table by the interest rate answered.
The income calculation unit corresponds to for the insurance kind type for identifying each client and chasing after to protect in solely calculation interest table to inquire about
Interest rate, this income is calculated according to the interest rate and current additional premium data.
The recording unit, for recording the date of this clearing and as a result, updating the gold of current additional premium data
Volume exports accounting updates result.
Further, the extraction indexing unit is used to carry out the insurance kind for having the function of to chase after in the interest table to protect solely to calculate
During mark, one is set to chase after guarantor's solely calculation function choice box behind the insurance kind code of each insurance kind in interest table, detection chases after guarantor and solely calculates
When function choice box is selected, increase by a preset characters behind the insurance kind code to be marked.
Further, the form generation unit is used to inquire about in the interest table and extract marked all dangers
When kind and its corresponding interest rate, judge whether have more a preset characters behind each insurance kind code；If so, identify the client institute
The insurance kind insured is to have the function of to chase after the insurance kind protected and solely calculated, and extracts the insurance kind title of the insurance kind, insurance kind code and its corresponding
Interest rate.
Further, the application server of the income settlement program further includes payment module 34, for being got when execution
When the amount of money operates, receive the insurance kind code of input and inquire about the additional premium data and historical yield of corresponding insurance kind；Compare and get
The size of the amount of money and historical yield, it is corresponding with deduction in additional premium data from historical yield or historical yield according to comparative result
Payment amount.
Further, the payment module 34 includes comparing unit and processing unit, wherein：
The comparing unit, for when amount of money operation is got in execution, receiving the insurance kind code of input and inquiring about corresponding insurance kind
The historical yield of additional premium data compares historical yield and the size for getting the amount of money of input.
The processing unit gets the amount of money if being equal to for historical yield, the historical yield of the insurance kind is reset and recorded
Payment information；
If historical yield, which is more than, gets the amount of money, the payment information got the amount of money and record the insurance kind is subtracted in historical yield；
If historical yield, which is less than, gets the amount of money, historical yield is reset and calculated and gets the difference of the amount of money and historical yield；
According to the mathematic interpolation payment amount and service charge in additional premium data, and record payment information.
In conclusion in income settlement method provided by the invention, server and storage medium, the income settlement method
When preset time reaches, start and settle accounts and obtain additional premium data corresponding with each client in virtual account table；The void
Intend storing the insurance information data of all clients in omnipotent credit in credit；The insurance kind type insured according to each client obtains
Corresponding interest rate is taken, additional premium data are settled accounts and records update, exports accounting updates result.It is virtual by increasing one
Credit improves existing omnipotent clearing framework.Virtual account table and existing omnipotent credit are mutual indepedent, virtual account
Table does not interfere with the calculating of omnipotent credit, and all insurance information data in omnipotent credit are recorded in virtual account table, but
Only the omnipotent account amount of money of additional part is settled accounts.And to interconnected system（It such as settles a claim system）It is invisible, omnipotent knot
It is individually settled accounts during calculation, the supplement as omnipotent account.It so distinguishes and chases after in the case where not influencing existing omnipotent account settlement
The amount of money of rating part.
Meanwhile the income settlement method also execution get the amount of money operation when, according to the capital and income of additional premium
Calculate the amount of money that need to be paid.It needs to extract the payment of amount of money time-division situation in client, provides the optimal means of payment for client to ensure
Maximum value.
It can support the omnipotent clearing of an insurance kind dual accounts, enrich omnipotent product form, meet Insurance Regulatory Commission to omnipotent insurance kind
The requirement independently settled accounts of additional premium part and other different business demands.
Certainly, one of ordinary skill in the art will appreciate that realizing all or part of flow in above-described embodiment method,
It is that can related hardware be instructed by computer program（Such as processor, controller etc.）It completes, described program can be stored in
In one computer-readable storage medium, which may include upon execution such as the flow of above-mentioned each method embodiment.Wherein
The storage medium can be memory, magnetic disc, CD etc..
It should be appreciated that the application of the present invention is not limited to the above, it for those of ordinary skills, can
To be improved or converted according to the above description, all these modifications and variations should all belong to the guarantor of appended claims of the present invention
Protect scope.
Claims (10)
- A kind of 1. income settlement method, which is characterized in that include the following steps：A virtual account table is created, the insurance information number of all clients in omnipotent credit is stored in the virtual account table According to；When reaching preset time, start income settlement and the additional premium data of each client are obtained from virtual account table；It identifies the insurance kind type that each client insures and obtains the interest rate for being marked and chasing after and protecting the insurance kind for solely calculating function, according to the profit of acquisition Rate carries out income settlement to the additional premium data of each client and records update, exports accounting updates knot.
- 2. income settlement method according to claim 1, which is characterized in that obtain each visitor in the table from virtual account After the step of additional premium data at family, further include：It identifies the sequence of each client in virtual account table and carries out batch clearing, every batch of obtains the addition of the client of default quantity Premium data.
- 3. income settlement method according to claim 1, which is characterized in that the insurance kind type that each client of identification insures And the interest rate for being marked and chasing after and protecting the insurance kind for solely calculating function is obtained, the additional premium data of each client are carried out according to the interest rate of acquisition The step of income settlement simultaneously records update, output accounting updates knot includes：It identifies the insurance kind type that each client insures and generates corresponding interest table, to having the function of that chasing after guarantor solely calculates in the interest table Insurance kind be marked；Inquired about in the interest table and extract marked all insurance kinds and its corresponding interest rate, by the insurance kind extracted and Its corresponding interest rate generation chases after guarantor and solely calculates interest table；It identifies the insurance kind type of each client and inquires about corresponding interest rate chasing after to protect in solely calculation interest table, according to the interest rate and currently Additional premium data calculate this income；It records the date of this clearing and as a result, the amount of money of the current additional premium data of update, exports accounting updates result.
- 4. income settlement method according to claim 3, which is characterized in that described to chase after guarantor solely to having in the interest table The step of insurance kind of calculation function is marked includes：It sets one to chase after guarantor behind the insurance kind code of each insurance kind in interest table and solely calculates function choice box, detection chases after guarantor and solely calculates function When choice box is selected, increase by a preset characters behind the insurance kind code to be marked.
- 5. income settlement method according to claim 4, which is characterized in that described to inquire about and extract in the interest table The step of going out marked all insurance kinds and its corresponding interest rate includes：Judge whether have more a preset characters behind each insurance kind code；If so, identify that the insurance kind that the client is insured is tool There is the insurance kind for chasing after and protecting and solely calculating function, extract insurance kind title, insurance kind code and its corresponding interest rate of the insurance kind.
- 6. income settlement method according to any one of claims 1 to 5, which is characterized in that thrown in each client of identification The insurance kind type of guarantor simultaneously obtains the interest rate for being marked and chasing after and protecting the insurance kind for solely calculating function, according to addition of the interest rate of acquisition to each client After the step of premium data carry out income settlement and record update, export accounting updates result, further include：When amount of money operation is got in execution, receive the insurance kind code of input and inquire about the additional premium data and history of corresponding insurance kind Income；Compare the size for getting the amount of money and historical yield, according to comparative result from historical yield or historical yield and additional premium Corresponding payment amount is deducted in data.
- 7. income settlement method according to claim 6, which is characterized in that it is described when amount of money operation is got in execution, it connects It receives the insurance kind code of input and inquires about the additional premium data and historical yield of corresponding insurance kind；Compare and get the amount of money and historical yield Size, the step according to comparative result from historical yield or historical yield with deducting corresponding payment amount in additional premium data Suddenly include：When amount of money operation is got in execution, receive the insurance kind code of input and inquire about the history of the additional premium data of corresponding insurance kind Income compares historical yield and the size for getting the amount of money of input；If historical yield, which is equal to, gets the amount of money, the historical yield of the insurance kind is reset and records payment information；If historical yield, which is more than, gets the amount of money, the payment information got the amount of money and record the insurance kind is subtracted in historical yield；If historical yield, which is less than, gets the amount of money, historical yield is reset and calculated and gets the difference of the amount of money and historical yield；According to the mathematic interpolation payment amount and service charge in additional premium data, and record payment information.
- 8. income settlement method according to claim 7, which is characterized in that the difference for getting the amount of money and historical yield For the remaining sum that need to be paid from additional premium data；The calculation formula of remaining sum is：RA= PA-（PA×P%）, wherein, PA represents payment amount, and RA represents remaining sum, P% represents percentage.
- 9. a kind of application server of income settlement, which is characterized in that including：Processor, memory, communication bus;It is described to deposit The computer-readable program that can be performed by the processor is stored on reservoir；The communication bus realizes the connection communication between processor and memory；The processor realizes the income settlement as described in claim 1-8 any one when performing the computer-readable program Step in method.
- 10. a kind of computer readable storage medium, which is characterized in that the computer-readable recording medium storage there are one or Multiple programs, one or more of programs can be performed by one or more processor, to realize such as claim 1~8 The step in income settlement method described in any one.
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