CN108133424A - A kind of surrender method, terminal device and storage medium - Google Patents
A kind of surrender method, terminal device and storage medium Download PDFInfo
- Publication number
- CN108133424A CN108133424A CN201810030816.7A CN201810030816A CN108133424A CN 108133424 A CN108133424 A CN 108133424A CN 201810030816 A CN201810030816 A CN 201810030816A CN 108133424 A CN108133424 A CN 108133424A
- Authority
- CN
- China
- Prior art keywords
- surrender
- insurance kind
- declaration form
- payment
- date
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- 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
Abstract
The invention discloses a kind of surrender method, terminal device and storage medium, the method includes：When receiving surrender request, corresponding policy information is transferred to determine whether the insurance kind type of its corresponding declaration form is default insurance kind, wherein, whether the default insurance kind includes at least a term short danger, when further to verify the surrender date before the phase of coming into force during default insurance kind, if before, the insurance kind state of the declaration form is then obtained, and when insurance kind state is effective status, judgement meets surrender condition, the surrender request is then responded, and returns corresponding surrender value.After to the conventional verification of surrender request progress, to determine whether to perform the surrender request, head, which may be used, in this way when receiving insurance kind short for a term dangerous surrender request verifies surrender request, the a term short dangerous scope of application is extended, and increase the flexibility ratio of surrender so as to improve.
Description
Technical field
The present invention relates to field of computer technology, more particularly to a kind of surrender method, terminal device and storage medium.
Background technology
User can may select surrender for various reasons after insuring.Since the corresponding insurance kind of each declaration form is different,
The corresponding surrender method of inspection is also different, such as a term short danger is differed with the method for calibration during the surrender of fixed danger,
There is no the general surrender check system for each insurance kind in existing surrender system.It therefore, must when receiving surrender request
Individually need be verified or even there is also some insurance kinds does not have corresponding surrender method of calibration, so as to cause can not surrender.
For example, an existing term short danger cannot the surrender before the effective date, in this way, the satisfaction of client is caused to be difficult to rise, and unfavorable
In the promoting service of the insurance kind.
Thus the prior art could be improved and improve.
Invention content
The technical problem to be solved in the present invention is, in view of the deficiencies of the prior art, provides a kind of surrender method, terminal is set
Standby and storage medium, with solve an existing term short danger cannot the surrender before the effective date, caused by user satisfaction is relatively low asks
Topic.
In order to solve the above-mentioned technical problem, the technical solution adopted in the present invention is as follows：
A kind of surrender method, includes the following steps：
When receiving surrender request, the number of policy that the surrender request carries is obtained;
The insurance kind type of its corresponding declaration form is determined according to the number of policy, and judges whether the insurance kind type is default danger
Kind, wherein, the default insurance kind includes at least a term short danger；
When insurance kind type is default insurance kind, judge current date whether before the effective date；
When the current date is before the effective date, the insurance kind state of its corresponding declaration form is determined according to the number of policy,
In, the insurance kind state includes effective status and invalid state；
When insurance kind state is effective status, responds the surrender and ask and return corresponding surrender value.
It is described when insurance kind type is default insurance kind in the surrender method, judge current date whether in the effective date
Before the step of, includes：
When insurance kind type is default insurance kind, get Date respectively and the effective date of the declaration form；
The current date is compared with the effective date, to judge the current date whether in the effective date
Before.
It is described when the current date is before the effective date in the surrender method, it is determined according to the number of policy
The insurance kind state of corresponding declaration form, wherein, the insurance kind state includes including the step of effective status and invalid state：
When the current date is before the effective date, the declaration form payment note is transferred in presetting database according to the number of policy
Record；
Judge whether the declaration form payment is normal according to the payment record；
When declaration form payment is normal, the insurance kind state for judging the declaration form is effective status；
When the declaration form pays the fees exception, the insurance kind state for judging the declaration form is invalid state.
In the surrender method, it is described according to it is described payment record judge the declaration form pay the fees whether normal step packet
It includes：
The pay charge way of the declaration form is determined according to the record of paying the fees, wherein, the pay charge way is including Installment and entirely
Volume is paid the fees；
When for Installment, overdue record is judged whether there is, and judges that the declaration form payment is normal when not there is overdue record；
When fully to pay the fees, judge whether payment amount of money is equal to the premium of the declaration form, and when payment amount of money is equal to premium,
Judge that the declaration form payment is normal.
In the surrender method, it is described according to it is described payment record judge the declaration form pay the fees whether normal step also
Including：
When being not equal to the premium of declaration form there are overdue record or payment amount of money, judge that the declaration form payment is abnormal.
It is described when insurance kind state is effective status in the surrender method, it responds the surrender and asks and return corresponding
Surrender value the step of include：
When insurance kind state is effective status, the corresponding surrender of the declaration form is transferred in presetting database according to the number of policy
Amount of money algorithm；
The surrender is calculated according to the surrender value algorithm and asks corresponding surrender value, and return the surrender value.
It is described that the corresponding surrender value of the surrender request is calculated according to the surrender value algorithm in the surrender method
Volume, and the step of returning the surrender value include：
The surrender is calculated according to the surrender value algorithm and asks corresponding surrender value, and whether judge the surrender value
In pre-set interval；
When the surrender value is in pre-set interval, judge that the surrender value is reasonable, and return the surrender value.
In the surrender method, step is further included：
When insurance kind type for default insurance kind/current date not before the effective date/insurance kind state be invalid state when, abandon institute
State surrender request.
A kind of terminal device, the terminal device include processor, memory and communication bus；
The communication bus is used to implement the connection communication between processor and memory；
The processor is used to perform the surrender program in the memory, to realize surrender method as described above.
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 surrender method as described above.
The present invention provides a kind of surrender method, terminal device and storage medium, the method includes：When receiving surrender
During request, corresponding policy information is transferred to determine whether the insurance kind type of its corresponding declaration form is default insurance kind, wherein, it is described
Default insurance kind includes at least a term short danger, when further to verify the surrender date whether before the phase of coming into force during default insurance kind,
If before, the insurance kind state of the declaration form is obtained, and when insurance kind state is effective status, judgement meets surrender condition,
The surrender request is then responded, and returns corresponding surrender value.By asking after carrying out conventional verification surrender, to determine
The surrender request whether is performed, is that head may be used to described when a term short dangerous surrender is asked in this way when receiving insurance kind
Surrender request is verified, and a term short dangerous scope of application is extended, and increase the flexibility ratio of surrender so as to improve.
Description of the drawings
Fig. 1 is the flow chart that surrender method provided by the invention is preferably implemented；
Fig. 2 is the flow chart of step S30 in surrender method provided by the invention；
Fig. 3 is the flow chart of step S40 in surrender method provided by the invention；
Fig. 4 is the flow chart of step S42 in surrender method provided by the invention；
Fig. 5 is the flow chart of step S50 in surrender method provided by the invention；
Fig. 6 is the flow chart of step S52 in surrender method provided by the invention；
Fig. 7 is the running environment schematic diagram of the preferred embodiment of surrender program provided by the invention.
Specific embodiment
The present invention provides a kind of surrender method, terminal device and storage medium, for make the purpose of the present invention, technical solution and
Effect is clearer, clear and definite, and the present invention is described in more detail for the embodiment that develops simultaneously referring to the drawings.It should be appreciated that herein
Described specific embodiment only to explain the present invention, is not intended to limit the present invention.
Those skilled in the art of the present technique are appreciated that unless expressly stated, singulative " one " used herein, " one
It is a ", " described " and "the" may also comprise plural form.It is to be further understood that is used in the specification of the present invention arranges
Diction " comprising " refers to there are the feature, integer, step, operation, element and/or component, but it is not excluded that presence or addition
Other one or more features, integer, step, operation, element, component and/or their group.It should be understood that when we claim member
Part is " connected " or during " coupled " to another element, it can be directly connected or coupled to other elements or there may also be
Intermediary element.In addition, " connection " used herein or " coupling " can include wireless connection or wireless coupling.It is used herein to arrange
Take leave whole or any cell and all combination of the "and/or" including one or more associated list items.
Those skilled in the art of the present technique are appreciated that unless otherwise defined all terms used herein are (including technology art
Language and scientific terminology), there is the meaning identical with the general understanding of the those of ordinary skill in fields of the present invention.Should also
Understand, those terms such as defined in the general dictionary, it should be understood that have in the context of the prior art
The consistent meaning of meaning, and unless by specific definitions as here, the meaning of idealization or too formal otherwise will not be used
To explain.
Below in conjunction with the accompanying drawings, by the description of the embodiment, being described further to invention content.
Referring to Fig. 1, Fig. 1 is the flow chart of the preferred embodiment of surrender method provided by the invention.The method includes：
S10, when receiving surrender request, obtain the number of policy that surrender request carries.
In the present embodiment, the surrender request refers to the application of request surrender initiated by client, carries in need
The number of policy of the declaration form of surrender.By the number of policy can inquire the surrender ask corresponding declaration form insurance kind type and
Insurance kind state, subsequently to be verified to surrender request.
S20, the insurance kind type that its corresponding declaration form is determined according to the number of policy, and judge the insurance kind type whether be
Default insurance kind, wherein, the default insurance kind includes at least a term short danger.
When it is implemented, since each declaration form corresponds to an insurance kind type, for example, insurance kind type is short including a term
Danger, fixed danger, half a year danger etc..Therefore it can first determine that the insurance kind type of corresponding declaration form is asked in the surrender, judge insurance kind class
Whether type meets default insurance kind type.Wherein, the default insurance kind type for it is pre-set can surrender insurance kind type.Example
Such as, if default insurance kind type is a term short danger, then if during short for the term danger of the insurance kind type of declaration form, judgement meets item
Part can further obtain the insurance kind attribute of declaration form and insurance kind type；It is and described pre- if the insurance kind type of declaration form is half a year danger
If insurance kind type is different, then the surrender request is abandoned.
Certainly, in practical applications, the default insurance kind type can be multiple, can be according to the business of insurance company
Demand is configured, when default insurance kind type is multiple, then by the insurance kind type that need to move back insurance kind and the default insurance kind type
It is compared, if there are identical, is further verified.In this way, the insurance kind type of insurance kind first mistake need to be moved back by obtaining
A filter part does not meet the surrender request of surrender requirement, alleviates the burden of surrender verification.
S30, when insurance kind type is default insurance kind, judge current date whether before the effective date.
Specifically, calculated due to being directed to the surrender before the effective date in the present invention, determine insurance kind state and
Insurance kind attribute is eligible, i.e., when described surrender request meets default surrender condition, it is also necessary to verify accepting the date.
Wherein, it is described to accept the date that the date refers to accepting surrender request, i.e. current date.Referring to Fig. 2, it is provided for the present invention
Surrender method in step S30 flow chart.
As shown in Fig. 2, the step S30 includes：
When S31, insurance kind type are default insurance kind, get Date respectively and the effective date of the declaration form；
S32, the current date is compared with the effective date, to judge whether the current date comes into force described
Before date.
It gets Date, and the declaration form corresponding effective date is transferred in policy information, it then will be described current
Date is compared with the effective date, if the current date before the effective date, continues to execute step S40, carries out down
The verification of one step.
S40, when the current date is before the effective date, the insurance kind of its corresponding declaration form is determined according to the number of policy
State, wherein, the insurance kind state includes effective status and invalid state.
Specifically, when surrender system receives surrender request, the surrender request is parsed to obtain the declaration form of its carrying
Number, its corresponding policy information and base data table are then transferred in presetting database according to the number of policy.Wherein, it is described
The payment information of declaration form is contained in policy information.The corresponding insurance kind of the declaration form and insurance kind are contained on the base data table
The information such as attribute.
In the present embodiment, the payment in the policy information records to determine whether the declaration form is effectively to protect
It is single.If effective status, then it is Valid Policy to illustrate current declaration form；If invalid state, then illustrate that current declaration form is protected to be invalid
It is single, abandon the surrender request.
Referring to Fig. 3, it is the flow chart of step S40 provided by the invention.
The step S40 is specifically included：
S41, when the current date is before the effective date, the declaration form is transferred in presetting database according to the number of policy and is paid
Take record；
S42, judge whether the declaration form payment is normal according to the payment record；
S43, when the declaration form payment it is normal when, the insurance kind state for judging the declaration form is effective status；
S44, when the declaration form pays the fees abnormal, the insurance kind state for judging the declaration form is invalid state.
When it is implemented, in the step S41, it can be according to number of policy definite policy information, then in policy information
It is middle to search payment record or payment inventory, and payment amount of money and declaration form fee payable are compared, if payment amount of money is equal to
Fee payable then judges that declaration form payment is normal.When being normal, illustrate that the declaration form is in effective status.In this way, by multiple
Surrender verifies, and can ensure the reliability of surrender, avoids the occurrence of accidentally surrender, loss is brought to insurance company.
Further, in the step S42, since the pay charge way of premium includes Installment and payment in full.Therefore,
Need to respectively it be judged according to pay charge way when judging whether payment is normal.Therefore, referring to Fig. 4, the step S42 is specific
Including：
S421, the pay charge way that the declaration form is determined according to the payment record, wherein, the pay charge way includes Installment
With payment in full；
S422, when for Installment, judge whether there is overdue record, and judge when not there is overdue record the declaration form payment
Normally；
S423, when fully to pay the fees, judge payment amount of money whether be equal to the declaration form premium, and payment amount of money be equal to protect
It is time-consuming, judge that the declaration form payment is normal.
Specifically, the pay charge way of the declaration form is inquired in the payment record.When by stages pay charge way is pays
It is time-consuming, it is described payment record in inquiry payment inventory, and according to payment inventory in the payment date and payment amount of money judgement be
It is no there are overdue record, if there is no overdue record, judge that payment is normal.If there are overdue record, judge that payment is abnormal.
Further, Insurance User carries out malice surrender in order to prevent, can also obtain payment issue, and by the payment issue with presetting
Payment issue threshold value be compared, when it is described payment issue be more than or equal to it is described payment issue threshold value when, just judgement pay the fees just
Often.Wherein, the payment issue threshold value can be determined, such as could be provided as issue by stages according to practical issue by stages
60%.That is, when issue was 6 phase by stages, then issue of paying the fees, which is greater than, just judges that payment is normal equal to 4 phases.Certainly, it is described to pay
Expense issue threshold value may be arranged as a definite value, and this is not restricted.
When pay charge way is payment in full, then payment amount of money is obtained, and by the payment amount of money and the guarantor of the declaration form
Expense is compared, and when payment amount of money is equal to premium, is illustrated that premium has been paid and is finished, then judges that the declaration form payment is normal；
When payment amount of money is not equal to premium, illustrate that premium is not paid normally, judge that the declaration form payment is abnormal, when payment is abnormal
When, the state for judging the declaration form is invalid state.
What deserves to be explained is after the corresponding policy information of the surrender request and base data table is deployed into, respectively
Insurance kind state and insurance kind type are determined according to the policy information, the verification sequence of the insurance kind state and insurance kind type is regardless of elder generation
Afterwards, can first verify insurance kind state, then verify insurance kind type again；Can also be first verification insurance kind type, then school again
Test insurance kind state.
S50, when insurance kind state be effective status when, respond the surrender and ask and return corresponding surrender value.
Specifically, when the insurance kind state of declaration form is effective status, illustrate that the surrender asks corresponding declaration form to expire
The foot requirement of surrender responds the surrender request at this time, to calculate the surrender value of response, and the surrender value that will be calculated
Volume returns to user.Referring to Fig. 5, its flow chart for step S50 in surrender method provided by the invention.
As shown in figure 5, shown step 50 includes：
S51, when insurance kind state be effective status when, it is corresponding that the declaration form is transferred in presetting database according to the number of policy
Surrender value algorithm；
S52, the corresponding surrender value of the surrender request is calculated according to the surrender value algorithm, and returns the surrender value
Volume.
When it is implemented, when surrender request meets above-mentioned surrender condition, its corresponding surrender algorithm is transferred to count
Surrender value is calculated, surrender value is then returned to user.Specifically, in the step S51, the danger is being determined
During the corresponding surrender value algorithm of kind, all formula and the corresponding execution of each formula that the surrender value algorithm includes are parsed
Then serial number parses the variable name/parameter included in each company；Its corresponding basic data is transferred further according to the number of policy
Table and policy information, and current time/date is obtained, the underlying table and policy information are traversed, to search each variable name/ginseng
The corresponding numerical value of number, carries out assignment；Each formula is finally performed according to the execution serial number successively, finally obtains surrender value.
For example, the surrender value algorithm is：Surrender value=return client's premium * ratio * move back expense coefficients out of date.So need
It is corresponding that the surrender client premium, ratio out of date and move back expense coefficient are searched in the base data table and policy information
Then numerical value carries out assignment operation, to obtain final surrender value.
Certainly, in practical applications, it is possible that, previous formula may use the result of calculation of the latter formula,
Therefore can also in calculating process into Mobile state assignment, i.e., when some formula is performed just calling it includes variable name
Corresponding numerical value, the sequence of assignment can be determined according to actual operation situation.
In practical applications, it in order to avoid mistake occurs in surrender value, after surrender value is calculated, also needs further
Verify whether it is reasonable.Therefore, referring to Fig. 6, its flow chart for step S52 in surrender method provided by the invention.
As shown in fig. 6, shown step 52 includes：
S521, the corresponding surrender value of the surrender request is calculated according to the surrender value algorithm, and judges the surrender value
Whether volume is in pre-set interval；
S522, when the surrender value is in pre-set interval, judge that the surrender value is reasonable, and return the surrender value
Volume.
Specifically, in the step S521, the pre-set interval refers to pre-set surrender value Reasonable area
Between.In the present embodiment, the pre-set interval is（0, premium）.The surrender value calculated cannot be less than 0, and cannot
Premium corresponding more than the declaration form.
When it is implemented, first determining whether the surrender value is negative, if negative, illustrate that surrender value calculates not
Correctly, return to step S521 is recalculated.In the process, if the number for calculating mistake is more than preset frequency threshold value,
Stop surrender flow, and generate a remark information and be sent to background system, to ask desk checking.If surrender value is not negative
Surrender value premium corresponding with declaration form, then be further compared by number, if surrender value is more than premium, illustrates surrender value
Unreasonable, return to step S521 is recalculated, and stops surrender flow, and is generated a remark information and be sent to background system, with
Ask desk checking；If surrender value is less than premium, illustrate that surrender value is reasonable, the surrender request is performed, by the surrender
The amount of money is replaced to client.
As shown in fig. 7, based on above-mentioned surrender method, the present invention further correspondingly provides a kind of terminal device.The terminal is set
It is standby specifically directly to be interacted with the mobile terminal and background system of user, for example, receiving moving back for customer mobile terminal input
It protects request and is fed back to background system.
The terminal device can be the computing devices such as desktop computer, notebook, palm PC and server.The terminal
Equipment is include but are not limited to, processor 10, memory 20 and display 30.Fig. 7 illustrates only the part group of terminal device
Part, it should be understood that being not required for implementing all components shown, the more or less group of the implementation that can be substituted
Part.
The memory 20 can be the internal storage unit of the terminal device in some embodiments, such as the terminal
The hard disk or memory of equipment.The memory 20 can also be that the external storage of the terminal device is set in further embodiments
Plug-in type hard disk that is standby, such as being equipped on the terminal device, intelligent memory card（Smart Media Card, SMC）, safety
Number（Secure Digital, SD）Card, flash card（Flash Card）Deng.Further, the memory 20 can also be both
Internal storage unit including the terminal device also includes External memory equipment.The memory 20 is installed on institute for storing
State the application software and Various types of data of terminal device, such as program code of the installing terminal equipment etc..The memory 20
It can be also used for temporarily storing the data that has exported or will export.In one embodiment, it is stored on memory 20
Surrender program 40, the surrender program 40 can be performed by processors 10, so as to fulfill the surrender method of each embodiment of the application.
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 surrender 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 information that is handled in the terminal device and for showing visual user interface.The portion of the terminal device
Part 10-30 is in communication with each other by system bus.
In one embodiment, following steps are realized when processor 10 performs surrender program 40 in the memory 20：
When receiving surrender request, the number of policy that the surrender request carries is obtained;
The insurance kind type of its corresponding declaration form is determined according to the number of policy, and judges whether the insurance kind type is default danger
Kind, wherein, the default insurance kind includes at least a term short danger；
When insurance kind type is default insurance kind, judge current date whether before the effective date；
When the current date is before the effective date, the insurance kind state of its corresponding declaration form is determined according to the number of policy,
In, the insurance kind state includes effective status and invalid state；
When insurance kind state is effective status, responds the surrender and ask and return corresponding surrender value.
Further, it is described when insurance kind type is default insurance kind in the terminal device, whether judge current date
The step of before the effective date, includes：
When insurance kind type is default insurance kind, get Date respectively and the effective date of the declaration form；
The current date is compared with the effective date, to judge the current date whether in the effective date
Before.
It is described when the current date is before the effective date in the surrender method, it is determined according to the number of policy
The insurance kind state of corresponding declaration form, wherein, the insurance kind state includes including the step of effective status and invalid state：
When the current date is before the effective date, the declaration form payment note is transferred in presetting database according to the number of policy
Record；
Judge whether the declaration form payment is normal according to the payment record；
When declaration form payment is normal, the insurance kind state for judging the declaration form is effective status；
When the declaration form pays the fees exception, the insurance kind state for judging the declaration form is invalid state.
In the surrender method, it is described according to it is described payment record judge the declaration form pay the fees whether normal step packet
It includes：
The pay charge way of the declaration form is determined according to the record of paying the fees, wherein, the pay charge way is including Installment and entirely
Volume is paid the fees；
When for Installment, overdue record is judged whether there is, and judges that the declaration form payment is normal when not there is overdue record；
When fully to pay the fees, judge whether payment amount of money is equal to the premium of the declaration form, and when payment amount of money is equal to premium,
Judge that the declaration form payment is normal.
In the surrender method, it is described according to it is described payment record judge the declaration form pay the fees whether normal step also
Including：
When being not equal to the premium of declaration form there are overdue record or payment amount of money, judge that the declaration form payment is abnormal.
It is described when insurance kind state is effective status in the surrender method, it responds the surrender and asks and return corresponding
Surrender value the step of include：
When insurance kind state is effective status, the corresponding surrender of the declaration form is transferred in presetting database according to the number of policy
Amount of money algorithm；
The surrender is calculated according to the surrender value algorithm and asks corresponding surrender value, and return the surrender value.
It is described that the corresponding surrender value of the surrender request is calculated according to the surrender value algorithm in the surrender method
Volume, and the step of returning the surrender value include：
The surrender is calculated according to the surrender value algorithm and asks corresponding surrender value, and whether judge the surrender value
In pre-set interval；
When the surrender value is in pre-set interval, judge that the surrender value is reasonable, and return the surrender value.
In the surrender method, step is further included：
When insurance kind type for default insurance kind/current date not before the effective date/insurance kind state be invalid state when, abandon institute
State surrender request.
Surrender method provided by the invention, terminal device and storage medium, the method includes：It is asked when receiving surrender
When, corresponding policy information is transferred to determine whether the insurance kind type of its corresponding declaration form is default insurance kind, wherein, it is described default
Insurance kind includes at least a term short danger, when further to verify the surrender date whether before the phase of coming into force during default insurance kind, if
Before, then the insurance kind state of the declaration form is obtained, and when insurance kind state is effective status, judgement meets surrender condition, then rings
The surrender is answered to ask, and returns corresponding surrender value.By asking after carrying out conventional verification surrender, to determine whether
The surrender request is performed, is that head may be used to the surrender when term short dangerous surrender is asked in this way when receiving insurance kind
Request is verified, and a term short dangerous scope of application is extended, and increase the flexibility ratio of surrender so as to improve.
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, the program can store
In a computer-readable storage medium, which may include when being executed such as the flow of above-mentioned each method embodiment.Its
Described in storage medium can be memory, magnetic disc, CD etc..
It should be understood 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 range.
Claims (10)
- A kind of 1. surrender method, which is characterized in that it includes the following steps：When receiving surrender request, the number of policy that the surrender request carries is obtained;The insurance kind type of its corresponding declaration form is determined according to the number of policy, and judges whether the insurance kind type is default danger Kind, wherein, the default insurance kind includes at least a term short danger；When insurance kind type is default insurance kind, judge current date whether before the effective date；When the current date is before the effective date, the insurance kind state of its corresponding declaration form is determined according to the number of policy, In, the insurance kind state includes effective status and invalid state；When insurance kind state is effective status, responds the surrender and ask and return corresponding surrender value.
- 2. surrender method according to claim 1, which is characterized in that it is described when insurance kind type is default insurance kind, judge to work as The step of whether preceding date is before the effective date includes：When insurance kind type is default insurance kind, get Date respectively and the effective date of the declaration form；The current date is compared with the effective date, to judge the current date whether in the effective date Before.
- 3. surrender method according to claim 1, which is characterized in that it is described when the current date is before the effective date, The insurance kind state of its corresponding declaration form is determined according to the number of policy, wherein, the insurance kind state is including effective status and in vain The step of state, includes：When the current date is before the effective date, the declaration form payment note is transferred in presetting database according to the number of policy Record；Judge whether the declaration form payment is normal according to the payment record；When declaration form payment is normal, the insurance kind state for judging the declaration form is effective status；When the declaration form pays the fees exception, the insurance kind state for judging the declaration form is invalid state.
- 4. surrender method according to claim 3, which is characterized in that described that the declaration form is judged according to the payment record Whether normal step includes for payment：The pay charge way of the declaration form is determined according to the record of paying the fees, wherein, the pay charge way is including Installment and entirely Volume is paid the fees；When for Installment, overdue record is judged whether there is, and judges that the declaration form payment is normal when not there is overdue record；When fully to pay the fees, judge whether payment amount of money is equal to the premium of the declaration form, and when payment amount of money is equal to premium, Judge that the declaration form payment is normal.
- 5. surrender method according to claim 4, which is characterized in that described that the declaration form is judged according to the payment record Whether normal step further includes for payment：When being not equal to the premium of declaration form there are overdue record or payment amount of money, judge that the declaration form payment is abnormal.
- 6. surrender method according to claim 1, which is characterized in that it is described when insurance kind state is effective status, respond institute Surrender is stated to ask and the step of returning corresponding surrender value include：When insurance kind state is effective status, the corresponding surrender of the declaration form is transferred in presetting database according to the number of policy Amount of money algorithm；The surrender is calculated according to the surrender value algorithm and asks corresponding surrender value, and return the surrender value.
- 7. surrender method according to claim 6, which is characterized in that described to be moved back according to calculating the surrender value algorithm The step of protecting and ask corresponding surrender value, and returning the surrender value includes：The surrender is calculated according to the surrender value algorithm and asks corresponding surrender value, and whether judge the surrender value In pre-set interval；When the surrender value is in pre-set interval, judge that the surrender value is reasonable, and return the surrender value.
- 8. surrender method according to claim 1, which is characterized in that it further includes step：When insurance kind type for default insurance kind/current date not before the effective date/insurance kind state be invalid state when, abandon institute State surrender request.
- 9. a kind of terminal device, which is characterized in that the terminal device includes processor, memory and communication bus；The communication bus is used to implement the connection communication between processor and memory；The processor is used to perform the surrender program in the memory, to realize as described in claim 1-8 any one Surrender 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 that claim 1-8 such as appoints Surrender method described in meaning one.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810030816.7A CN108133424A (en) | 2018-01-12 | 2018-01-12 | A kind of surrender method, terminal device and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810030816.7A CN108133424A (en) | 2018-01-12 | 2018-01-12 | A kind of surrender method, terminal device and storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108133424A true CN108133424A (en) | 2018-06-08 |
Family
ID=62400488
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810030816.7A Pending CN108133424A (en) | 2018-01-12 | 2018-01-12 | A kind of surrender method, terminal device and storage medium |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN108133424A (en) |
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108694674A (en) * | 2018-06-11 | 2018-10-23 | 中国平安人寿保险股份有限公司 | Reconciliation processing method, device, computer equipment and storage medium |
| CN109035033A (en) * | 2018-06-12 | 2018-12-18 | 中国平安人寿保险股份有限公司 | A kind of information processing method subtracting guarantor's business and terminal |
| CN109345401A (en) * | 2018-11-19 | 2019-02-15 | 平安科技（深圳）有限公司 | Method of data synchronization, device, computer equipment and the storage medium of product data |
| CN109493236A (en) * | 2018-09-30 | 2019-03-19 | 深圳市元征科技股份有限公司 | Aviation based on block chain technology is delayed dangerous processing method, device and equipment |
| CN109785522A (en) * | 2019-02-18 | 2019-05-21 | 石家庄科林物联网科技有限公司 | A kind of pre-paying method of gauge table |
| CN109840852A (en) * | 2019-01-09 | 2019-06-04 | 中国平安人寿保险股份有限公司 | A kind of method that declaration form automatically processes and Related product |
| CN111105315A (en) * | 2019-11-13 | 2020-05-05 | 泰康保险集团股份有限公司 | Policy request processing method, policy request processing device, policy request processing medium and electronic equipment |
| CN111178824A (en) * | 2019-11-28 | 2020-05-19 | 泰康保险集团股份有限公司 | Data processing method and device, electronic equipment and storage medium |
| CN111652723A (en) * | 2020-06-01 | 2020-09-11 | 泰康保险集团股份有限公司 | Data processing method, device, equipment and computer readable storage medium |
| CN111815459A (en) * | 2019-11-20 | 2020-10-23 | 国泰财产保险有限责任公司 | Overdue termination method for insurance approval pricing |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106886946A (en) * | 2017-02-24 | 2017-06-23 | 泰康保险集团股份有限公司 | For the method and system that declaration form surrender is calculated |
| CN107292746A (en) * | 2016-04-13 | 2017-10-24 | 平安科技（深圳）有限公司 | The information processing method and device of surrender business |
-
2018
- 2018-01-12 CN CN201810030816.7A patent/CN108133424A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107292746A (en) * | 2016-04-13 | 2017-10-24 | 平安科技（深圳）有限公司 | The information processing method and device of surrender business |
| CN106886946A (en) * | 2017-02-24 | 2017-06-23 | 泰康保险集团股份有限公司 | For the method and system that declaration form surrender is calculated |
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108694674A (en) * | 2018-06-11 | 2018-10-23 | 中国平安人寿保险股份有限公司 | Reconciliation processing method, device, computer equipment and storage medium |
| CN109035033A (en) * | 2018-06-12 | 2018-12-18 | 中国平安人寿保险股份有限公司 | A kind of information processing method subtracting guarantor's business and terminal |
| CN109035033B (en) * | 2018-06-12 | 2023-06-27 | 中国平安人寿保险股份有限公司 | Information processing method and terminal for reduced-protection service |
| CN109493236A (en) * | 2018-09-30 | 2019-03-19 | 深圳市元征科技股份有限公司 | Aviation based on block chain technology is delayed dangerous processing method, device and equipment |
| CN109345401A (en) * | 2018-11-19 | 2019-02-15 | 平安科技（深圳）有限公司 | Method of data synchronization, device, computer equipment and the storage medium of product data |
| CN109840852A (en) * | 2019-01-09 | 2019-06-04 | 中国平安人寿保险股份有限公司 | A kind of method that declaration form automatically processes and Related product |
| CN109840852B (en) * | 2019-01-09 | 2024-03-19 | 中国平安人寿保险股份有限公司 | Automatic policy processing method and related products |
| CN109785522A (en) * | 2019-02-18 | 2019-05-21 | 石家庄科林物联网科技有限公司 | A kind of pre-paying method of gauge table |
| CN111105315A (en) * | 2019-11-13 | 2020-05-05 | 泰康保险集团股份有限公司 | Policy request processing method, policy request processing device, policy request processing medium and electronic equipment |
| CN111815459A (en) * | 2019-11-20 | 2020-10-23 | 国泰财产保险有限责任公司 | Overdue termination method for insurance approval pricing |
| CN111178824A (en) * | 2019-11-28 | 2020-05-19 | 泰康保险集团股份有限公司 | Data processing method and device, electronic equipment and storage medium |
| CN111652723A (en) * | 2020-06-01 | 2020-09-11 | 泰康保险集团股份有限公司 | Data processing method, device, equipment and computer readable storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN108133424A (en) | A kind of surrender method, terminal device and storage medium | |
| CN108520454B (en) | Method and system for calling back orders in real time | |
| WO2020000720A1 (en) | Server, packet processing method, program, and computer-readable storage medium | |
| CN108415925B (en) | Electronic device, data call log generation and query method and storage medium | |
| US20150261523A1 (en) | System and methods for declaration-based extension management for multi-tenant environments | |
| CN110633977A (en) | Payment exception processing method and device and terminal equipment | |
| CN110601880A (en) | Cloud platform, service processing method, command interface and computer equipment | |
| CN107563894A (en) | The method and device that group's meaning is nearly insured | |
| CN109800063A (en) | Business method for parallel processing, device, server, storage medium | |
| TW201800990A (en) | Order processing method and device | |
| US11574347B2 (en) | System for high-speed billing transaction processing on a processing cluster | |
| CN109918385A (en) | Tripartite's account checking method, electronic device and readable storage medium storing program for executing | |
| CN110689333B (en) | Block chain automatic account checking method, device, system and storage medium | |
| CN112132649A (en) | Order verification processing method, device, medium and terminal equipment | |
| CN105471884A (en) | Authentication method and server | |
| WO2019052114A1 (en) | Points deduction method and apparatus, terminal device and medium | |
| CN109214911A (en) | The treating method and apparatus of bill reconciliation exception | |
| CN112437079B (en) | Intranet access method and device | |
| CN108985946A (en) | A kind of processing method and server of declaration form | |
| CN109559240B (en) | Method, device and equipment for preventing repeated payment of premium and readable storage medium | |
| CN110580312B (en) | Data query method, device and computer readable storage medium | |
| CN112838932A (en) | Re-rating method and device based on volume accumulated rating and computing equipment | |
| KR20210014279A (en) | Custumer recognition method for tracking the custumer in offline virtual product display store and system therefore | |
| CN113724003B (en) | Order transaction data-based moistening method, electronic equipment and readable storage medium | |
| CN113792267B (en) | Method and device for checking digital copyright of card surface picture of payment mechanism |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20180608 |
|
| RJ01 | Rejection of invention patent application after publication |