CN108921709A - High protection amount method for early warning, device, computer equipment and storage medium - Google Patents
High protection amount method for early warning, device, computer equipment and storage medium Download PDFInfo
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Abstract
The invention discloses a kind of high insured amount method for early warning, device, computer equipment and storage mediums, wherein this method includes:The request of insuring that client is sent is obtained, request of insuring includes insurer ID, insurance kind ID and insurant ID;Corresponding current insurance kind protection amount and insured amount attribute are obtained based on insurance kind ID;If insured amount attribute is high protection amount, accumulative high insured amount summation within a preset time is obtained;According to current insurance kind protection amount and accumulative high insured amount summation, obtain current accumulative high insured amount;If currently adding up high protection amount reaches default air control protection amount, notify to handle under client's end line.This method can help insurance company effectively to avoid insuring because insurer is repeated several times, so that insurance company's later period may pay the risk insured amount beyond normal high price.
Description
Technical field
The present invention relates to data monitoring technical field more particularly to a kind of high insured amount method for early warning, device, computer equipment
And storage medium.
Background technique
With the development of the times, insurance marketing mode is increasingly in diversified trend.Because of convenient and efficient property, the identity of network
The market environment of the increasingly reinforcement of hiding and public insurance awareness, network marketing insurance is increasingly mature, it is anticipated that network
The mode of marketing insurance will be increasingly becoming the mode of leading insurance marketing.
Since marketing mode switchs to market on line under line, the process of manual review can be reduced, is also brought to insurance business
Air control problem.If it is one or more high insured amount that insured people repeats purchase simultaneously on line, and insurant is the insurance kind of same people,
It is more than that the high of insurance subject compensates risk by insured amount summation is brought to insurance company.Insurance company how the online shopping to user
Insurance behavior carries out the problem of risk control becomes urgent need to resolve.
Summary of the invention
Based on this, it is necessary to which in view of the above technical problems, behavior progress wind can be insured to the online shopping of user by providing one kind
The insured amount method for early warning of the height nearly controlled, device, computer equipment and storage medium.
A kind of high insured amount method for early warning, including:
The request of insuring that client is sent is obtained, request of insuring includes insurer ID, insurance kind ID and insurant ID;
Corresponding current insurance kind protection amount and insured amount attribute are obtained based on insurance kind ID;
If insured amount attribute is high protection amount, accumulative high insured amount summation within a preset time is obtained, high protection amount summation is added up
For the summation of the history insurance kind protection amount of all high insured amount declaration forms insurer ID and insurant ID all the same;
Based on current insurance kind protection amount and accumulative high insured amount summation, obtain current accumulative high insured amount;
If currently adding up high protection amount reaches default air control protection amount, notify to handle under client's end line.
A kind of information customization sending device, including:
Acquisition is insured request module, and for obtaining the request of insuring of client transmission, request of insuring includes insurer ID, danger
Kind ID and insurant ID;
Insurance kind protection amount module is obtained, for obtaining corresponding current insurance kind protection amount and insured amount attribute based on insurance kind ID;
Protection amount summation module is obtained, if being high protection amount for protection amount attribute, obtains accumulative high guarantor within a preset time
Volume summation adds up the history insurance kind that high insured amount summation is insurer ID and insurant ID all high insured amount declaration forms all the same and protects
The summation of volume;
Accumulative insured amount module is obtained, for obtaining current accumulative height based on current insurance kind protection amount and accumulative high insured amount summation
It is insured amount;
Processing module under line is sent, if reaching default air control protection amount for currently adding up high protection amount, notifies client's end line
Lower processing.
A kind of computer equipment, including memory, processor and storage are in the memory and can be in the processing
The computer program run on device, the processor realize the step of above-mentioned high insured amount method for early warning when executing the computer program
Suddenly.
A kind of computer readable storage medium, the computer-readable recording medium storage have computer program, the meter
Calculation machine program realizes the step of above-mentioned high insured amount method for early warning when being executed by processor.
In above-mentioned high insured amount method for early warning, device, computer equipment and storage medium, by filtering out insured amount attribute as height
Then insured amount declaration form calculates the insured amount declaration form of height corresponding insurer ID and is directed to same insurant ID within a preset time
Currently add up high protection amount to realize.If currently adding up high protection amount reaches default air control protection amount, transmission turns processing notification under line,
Insurance company can be helped effectively to avoid insuring because insurer is repeated several times in a manner of turning to handle under line, so that insurance company's later period
It may the payment risk insured amount beyond normal high price.
Detailed description of the invention
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below by institute in the description to the embodiment of the present invention
Attached drawing to be used is needed to be briefly described, it should be apparent that, the accompanying drawings in the following description is only some implementations of the invention
Example, for those of ordinary skill in the art, without any creative labor, can also be according to these attached drawings
Obtain other attached drawings.
Fig. 1 is the application scenario diagram of high protection amount method for early warning in one embodiment of the invention;
Fig. 2 is the flow chart of high protection amount method for early warning in one embodiment of the invention;
Fig. 3 is another specific flow chart of high protection amount method for early warning in one embodiment of the invention;
Fig. 4 is another specific flow chart of high protection amount method for early warning in one embodiment of the invention;
Fig. 5 is another specific flow chart of high protection amount method for early warning in one embodiment of the invention;
Fig. 6 is another specific flow chart of high protection amount method for early warning in one embodiment of the invention;
Fig. 7 is another specific flow chart of high protection amount method for early warning in one embodiment of the invention;
Fig. 8 is a functional block diagram of high protection amount prior-warning device in one embodiment of the invention;
Fig. 9 is a schematic diagram of computer equipment in one embodiment of the invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are some of the embodiments of the present invention, instead of all the embodiments.Based on this hair
Embodiment in bright, every other implementation obtained by those of ordinary skill in the art without making creative efforts
Example, shall fall within the protection scope of the present invention.
Repetition, which is insured, specifically refers to insurer with the same type of insurance, same insurable interest simultaneously to two or more
The insurer buy insurance kind behavior.It is that can weigh normally due to deformity caused by contingency or dieing because life is priceless
Acquisition of insuring again repeats to obtain compensation, such as serious illness insurance, life insurance or life danger etc..Correspondingly, the insurance kind for the insurance kind insured is repeated
It is insured amount and higher, millions of differ is played from hundreds of thousands.
The insurance value for being likely to cause that insured amount summation is more than insurance subject of insuring is repeated, especially network sale insurance is in nothing
It is easier to cause the above problem in the environment of people's supervision.The present invention for insurance company how to the online shopping of user insure behavior into
The problem of row risk control, proposes following embodiments:
The protection amount method for early warning of height provided by the present embodiment, can be applicable in the application environment such as Fig. 1, wherein client
It is communicated by network with server.Client can be, but not limited to various personal computers, laptop, intelligent hand
Machine, tablet computer and portable wearable device.In the present embodiment, server can be with the insurance server being independently arranged come real
Existing, which is the server applied in insurance company for being handled insurance business data.Insurance clothes
Business device can be connected with the client that user uses by network, online shopping for being carried out on the client to user insurance behavior into
Row risk control.
In one embodiment, as shown in Fig. 2, providing a kind of high insured amount method for early warning, the clothes in Fig. 1 are applied in this way
It is illustrated, includes the following steps for business device (specially insurance server):
S10. the request of insuring that client is sent is obtained, request of insuring includes insurer ID, insurance kind ID and insurant ID.
Wherein, request of insuring is the request that user initiates purchase insurance business by client to insurance server.It can be with
Understand ground, it is the request that user is initiated by user end to server which, which is request of insuring on line,.
Insurer, which refers to, concludes insurance contract with insurance company, and agreement bears payment of premium obligation as agreed
People.Insurer ID is the unique identification set up to distinguish different insurers.The insurer ID can be the exclusive mark of insurer
Know, such as cell-phone number, identification card number or user name etc..
Insurance company can provide multiple and different kind of insurances (hereinafter referred to as " insurance kind "), and insurance kind ID is exactly to distinguish not
With the unique identification of insurance kind.Insurance kind ID can be the distinctive mark that insurance company is generated by internal preset rule, including with text
The combination of word, number or text and number forms mark.For example accident insurance includes multiple insurance kinds, to multiple in accident insurance
When insurance kind is distinguished, it can be identified with the combination of text and number:YWX2018001, YWX2018002 and YWX2018003
Deng.
Insurant refers to that its property or the person are ensured by insurance contract, enjoys the people of the insurance money right of asking for.Insured
People can be insurer, or the beneficiary that insurer specifies.Insurant ID is set to distinguish different insurants
Vertical unique identification.The insurant ID can be the exclusive mark of insurant, such as cell-phone number, identification card number or user name
Deng.
This step is the request of insuring that insurance server receives that client is sent by communications protocol port, to pass through the throwing
It protects the information that request carries and high insured amount early warning further is realized to the insurance requests bought on insurer's line.
S20. corresponding current insurance kind protection amount and insured amount attribute are obtained based on insurance kind ID.
Insurance kind protection amount refers to that an insurance contract Xiang Xia insurance company undertakes reparation or pays the highest limit of insurance money responsibility
Volume.Current insurance kind protection amount refers to that the insurance kind of insurance kind corresponding with insurance kind ID is insured amount.
Wherein, insured amount attribute is the insured amount corresponding attribute of the corresponding insurance kind of insurance kind ID.The protection amount attribute can will currently danger
Kind protection amount is compared with preset standard, if current insurance kind protection amount is higher than preset standard, insured amount attribute is high insured amount attribute;
Conversely, insured amount attribute is minimum living volume attribute if current insurance kind protection amount is not higher than preset standard.Wherein, preset standard is to protect
Dangerous company is pre-set for evaluating the standard value of insured amount attribute.For example, preset standard is 300,000, work as if insurance kind ID is corresponding
Preceding insurance kind protection amount is higher than 300,000, then the insured amount attribute of insurance kind ID is high insured amount attribute.
In this step, the corresponding current insurance kind protection amount of insurance kind ID and insured amount attribute are that insurance company is pre- according to different insurance kinds
First set.The insurance kind ID that insurance server need to only obtain client transmission can be corresponded in the database finds insured amount attribute
It with insurance kind protection amount, voluntarily uploads and provides again without user, simplify process of insuring.
If S30. insured amount attribute is high insured amount, accumulative high insured amount summation within a preset time is obtained, is added up high insured amount
Summation is the summation of the history insurance kind protection amount of insurer ID and insurant ID all high insured amount declaration forms all the same.
Wherein, preset time is a period of time come into force in declaration form that insurance company is set according to actual conditions, for example,
Declaration form has come into force 3 months.Setting preset time monitors the behavior of insuring of same insurer, can be to avoid insurer one period
It inside carries out repeating to insure and generate insurance fraud behavior.
Accumulative high insured amount summation is insurer ID and insurant ID all insured amount attributes all the same within a preset time
In declaration form for high protection amount, the summation of all history insurance kind protection amounts.For example, insurer ID is TBR001 accumulative in 3 months
High protection amount declaration form is listed as follows:
No. 1 declaration form and No. 3 declaration forms correspond to same insurer ID as seen from the above table, and insurant ID is also identical.It is protected with No. 1
In list from the declaration form effective date 20380301 of TBR001 3 months until 20180601, No. 3 declaration forms (No. 3 also before the deadline
The expiry date 20380101 of declaration form>20180601), insurer ID is the insurer of TBR001, is BXR001 to insurant ID
The accumulative high insured amount summation insured by insurer be 1,000,000 plus 1,500,000, i.e., 2,500,000.
In this step, all insured amount attributes of acquisition insurer ID purchase first are the insured amount declaration form column of high insured amount height
Then table can filter out the identical warrantee's list of warrantee ID from high insured amount declaration form list, can sieve in warrantee's list
Target insurance kind within a preset time is selected, the corresponding history insurance kind protection amount of target insurance kind is summed, can be obtained tired
The high insured amount summation of meter.It obtains based on the corresponding accumulative high insured amount summation of same insurer ID and same warrantee ID, to insure
Server is calculated in real time based on the corresponding current accumulative high protection amount of same insurer ID and same warrantee ID, accelerates to calculate current
Accumulative high insured amount processing speed.
S40. it based on current insurance kind protection amount and accumulative high insured amount summation, obtains current accumulative high insured amount.
Wherein, currently add up high protection amount be together with currently insure request in declaration form, by same insurer ID buy, and by
The summation of insurance kind protection amount in the identical all declaration forms of guarantor ID.
In this step, the current insurance kind protection amount in this request of insuring is summed with accumulative high protection amount, it is available current tired
Meter is high insured amount, to confirm whether the application of insuring can continue to buy the insurance on line.For example, current insurance kind protection amount is 30
Ten thousand, adding up high protection amount summation is 2,500,000, then current accumulative high protection amount is 2,800,000.
If S50. currently adding up high protection amount reaches default air control protection amount, notify to handle under client's end line.
Wherein, it is insurance kind preset one of multiple high protection amounts in zone of reasonableness that preset air control protection amount, which be insurance company,
Interior total sum insured namely default air control are insured amount.Turning processing notification under line is that request of currently insuring is switched to insurance company manually to examine
The notice of core ensures that both sides pass through safe and reliable mode so that insurer's timely learning is currently insured the application situation of request
Continue to complete the request of insuring of insurer.
Specifically, the current accumulative high protection amount being calculated in step S40 is compared with default air control protection amount, if working as
Preceding accumulative high protection amount reaches and (is greater than or equal to) default air control protection amount, illustrates that the reality of property can be can exceed that by currently adding up high protection amount
Border insurance value causes super protection amount, needs to further confirm that the insurance business under insurer's line.For example, default air control protection amount is
2500000, and this insure request people from China National Investment & Guaranty Corp. ID it is corresponding it is current accumulative high insured amount be 2,800,000, insurance server then will at this time
The request of insuring switchs to offline processing namely carries out manual examination and verification by insurance company, to improve risk management and control, therefore, need to notify visitor
It is handled under the end line of family.
In this step, the application of insuring that insurance server will likely generate high risk switchs to handle under line, can effectively avoid
Because on line business no supervision due to bring the risk of high protection amount to insurance company.
Preferably, after the step s 40, i.e., after obtaining current accumulative high insured amount step, the insured amount pre- police of the height
Method further includes:
If S60. current accumulative high insured amount not up to default air control is insured amount, first trial is sent to client and passes through notice.
Wherein, first trial is that the application that is used to show to insure that insurance server is sent to client passes through first trial by notice
Notice.
In this step, if current accumulative high insured amount not up to default air control is insured amount, illustrate the current accumulative height of the insurer
Protection amount in the reasonable scope, without confirming declaration form under line, can continue to complete the process of declaration form first trial on line.In the present embodiment,
Insurance server will determine that currently adding up the declaration form that high protection amount is still fallen in zone of reasonableness continues to complete declaration form on line after calculating
Confirmation improves the rate of insurance business processing.
It is high insured amount declaration form that high insured amount method for early warning provided in this embodiment filters out insured amount attribute first, is then calculated
Current accumulative high protection amount of the corresponding insurer ID of high protection amount declaration form for same insurant ID within a preset time.Currently
Add up high protection amount and reach default air control protection amount, then turning the mode handled under line can help insurance company effectively to avoid because insurer is more
Secondary repetition is insured, so that insurance company's later period may pay the risk insured amount beyond normal high price;Meanwhile insurance server only needs
The insurance kind ID for obtaining client transmission can be corresponded in the database finds insured amount attribute and insurance kind protection amount, is not necessarily to user again certainly
Row, which uploads, to be provided, and process of insuring is simplified;The declaration form still fallen within after calculating in zone of reasonableness is continued to complete declaration form confirmation on line,
Improve the rate of business processing.
In one embodiment, as shown in figure 3, in step S20, i.e., it is insured amount corresponding current insurance kind to be obtained based on insurance kind ID
With insured amount attribute, specifically comprise the following steps:
S21. default premium content corresponding with insurance kind ID is obtained.
Wherein, default premium content is that insurance company is preset to each insurance kind, related to the insurance kind for introducing
Content.The default premium content includes insured amount attribute, insurance kind protection amount, insured condition, insurance validity period, insurance subject and insurance
Expense etc..Insurance company can generate the contract of insuring of the insurance kind according to the corresponding default premium content of insurance kind with insurer.
In this step, the insurance kind ID carried in the request of insuring that insurance server is sent according to client, in the database
The corresponding default premium content of insurance kind ID is searched, is voluntarily uploaded again without client, insured process is simplified.
S22. according to premium content is preset, current insurance kind protection amount and insured amount attribute are obtained.
Specifically, the corresponding default premium content of insurance kind ID can be shown in the form of a list, and the list head of list includes
Insurance kind ID, insurance kind content, the insured amount contents such as attribute and insurance kind protection amount.In this step, list head in insurance server read list
For after the content of Insurance Attribute and insurance kind protection amount, the current insurance kind protection amount of insurance kind ID and corresponding insured amount attribute are copied to service
In the memory of device, in order to further calculate, insurance kind protection amount is voluntarily inputted without client, obtains letter to save insurance server
The time for ceasing and calculating improves treatment effeciency.
In the present embodiment, insurance server can obtain corresponding default premium content by insurance kind ID, again without client
It voluntarily uploads, simplifies insured process;And can be according to default premium content, quick obtaining current insurance kind corresponding with insurance kind ID is insured amount
With insured amount attribute, saves the processing time and improve treatment effeciency.
In one embodiment, as shown in figure 4, in step s 30, that is, obtaining the corresponding same insurant ID of insurer ID
Corresponding accumulative high insured amount summation within a preset time, specifically comprises the following steps:
S31. the corresponding high insured amount declaration form list of insurer ID is obtained, high protection amount declaration form list includes that at least one is high insured amount
Declaration form, each high insured amount declaration form include insurant ID, insurance kind protection amount and declaration form validity date.
Wherein, high insured amount declaration form list is insurance server to pre-generating, for recording insurer in insurance company
All insured amount attributes once bought are high insured amount declaration form list, in order to which insurance server real-time calling high protection amount is protected
Single-row table, to obtain the data for monitoring high insured amount declaration form.
Declaration form validity date refers to the period insured in the term of validity and insurance clause of insurance contract.In insurance period
In, insurer then undertakes insurance kind protection amount according to agreement according to agreement payment of premium, insurance company.In most cases insure
The initial time of period is consistent at the beginning of buying insurance with insurer.Inconsistent situation is encountered, then is closed in insurance
It should make separate stipulations in declaration form time started validity date.
Specifically, it insures behavior for the ease of monitoring the repetition of insurer, in risk range, insurance server is to each
Insurer generates a high insured amount declaration form list according to insurer ID, in order to obtain history corresponding with insurer ID in time
High protection amount declaration form, to carry out risk monitoring and control.
S32. insurant ID is identical in the high insured amount declaration form list of statistics, and the institute of declaration form validity date within a preset time
There is the summation of insurance kind protection amount, obtains accumulative high insured amount summation.
Specifically, it is identical, within a preset time can to filter out warrantee ID from high insured amount declaration form list for insurance server
Target insurance kind, and the corresponding insurance kind protection amount of target insurance kind is summed, accumulative high insured amount summation can be obtained.
In this step, insurance server can open high insured amount declaration form list using list tool.Applied to the present embodiment, column
SQL, MYSQL or ORACLE etc. can be used in table tool.Existing list tool all has to multiple list heads while being screened
Function, the function are realized automatically by setting inquiry instruction.Realization process is illustrated by list tool of SQL:It is (high
The list head of insured amount declaration form list includes that declaration form validity date, warrantee and insurance kind are insured amount, and warrantee ID to be checked is
BXR001):
Step 1:High insured amount declaration form list is screened by database select instruction:Declaration form validity date is 2018
Between on March 1, on March 1, to 2038, and the target insurance kind of warrantee ID=BXR001;
Step 2:By database sum instruction to the corresponding insurance kind protection amount of all target insurance kinds filtered out in step 1 into
Row sum operation.
It can filter out that insurant ID is identical in the present embodiment, and declaration form validity date is all in identical preset time
Filtered list, and all insurance kind protection amounts in the filtered list be added, accumulative high insured amount summation can be obtained.Above-mentioned mistake
Journey is all to be automatically performed to calculate without manual intervention by insurance server, realizes automatic processing insurance business, improves business
Processing speed.
In the present embodiment, insurance server can be obtained immediately by obtaining the corresponding high insured amount declaration form list of insurer ID
Accumulative high insured amount summation, it is current accumulative high insured amount convenient for being calculated further combined with the current insurance kind protection amount in this request of insuring.
In one embodiment, each high insured amount declaration form corresponds to unique declaration form ID, and declaration form ID is to distinguish each guarantor of coming into force
Single unique identification.Declaration form validity date includes declaration form entry-into-force time and lapse of policy time, wherein the declaration form entry-into-force time is to protect
Dangerous company, which starts to fulfil insurance contract, undertakes the date that Insurance obiligation starts, and the lapse of policy time is that insurance company terminates to fulfil guarantor
The date of dangerous contract.As shown in figure 4, after step S31, i.e., in the step for obtaining the corresponding high insured amount declaration form list of insurer ID
After rapid, high protection amount method for early warning further includes:
S33. more new peak protection amount declaration form list at preset timed intervals.
In order to safeguard the validity and reliability of high insured amount declaration form list, more new peak protection amount declaration form column at preset timed intervals are needed
Table avoids the corresponding accumulative high insured amount summation of the insurer ID calculated from mistake occur, and line is made to insure the process of business
Mistake (for example should turn to handle under line and do not turn to handle under line), so that these process mistakes be avoided to cause inevitably to damage
It loses.Preset time can be set according to the actual situation, for example, can since the declaration form entry-into-force time calculate every 1 month carry out more
It is new etc..
Specifically, server more new peak protection amount declaration form list at preset timed intervals can be adopted by high insured amount declaration form list
The timing more new tool carried on list tool is completed.For example, in list tool SQL, into SQLServer database
Server obtains enterprise manager->Management->SQL Server agency->Operation->Newly-built operation, input more new peak are insured amount
Declaration form list sets renewal time inside " scheduling ", and the insured amount declaration form list of height in timing more new database can be completed
Task.
S34. in high insured amount declaration form list, if the current time in system is not up to any declaration form ID corresponding declaration form when coming into force
Between or be more than any declaration form ID corresponding lapse of policy time, then the corresponding insurance kind protection amount of declaration form ID is reset.
Current time in system refers to insurance server and the current time that national time service central standard time synchronization obtains.Tool
Body, if the current time in system is not up to any declaration form ID corresponding declaration form entry-into-force time or has been more than any declaration form ID corresponding
The lapse of policy time, illustrate the corresponding declaration form Pending The Entry Into Force or no longer valid of declaration form ID.It is to be appreciated that insurance company is only
To coming into force, declaration form undertakes premium, and no longer undertaking Insurance obiligation premium to the declaration form of failure is zero, it is therefore desirable to which declaration form ID is corresponding
Insurance kind protection amount reset.Realization process is illustrated by list tool of SQL:(the list head of high protection amount declaration form list includes protecting
Single ID, insurance kind protection amount, declaration form entry-into-force time and lapse of policy time):
Step 1:It is instructed by database select and obtains the current time in system;
Step 2:The acquisition current time in system is instructed to work as less than declaration form entry-into-force time or system by database Where
The preceding time is more than or equal to the declaration form ID of lapse of policy time;
Step 3:The corresponding insurance kind protection amount of all declaration form ID for being obtained step 2 by database update instruction is reset.
In this step, insurance server is only retained in the protection amount of the insurance kind between declaration form entry-into-force time and lapse of policy time
The data of real data, remaining time are all reset, and ensure that insurance server calculates the accumulative high insured amount summation of same insurer
Correctness.
In one embodiment, the corresponding unique high insured amount declaration form list of each insurer ID, as shown in fig. 6, step S60 it
Afterwards, i.e., after sending the step of first trial passes through notice to client, high protection amount method for early warning further includes:
S70. the confirmation request of insuring that client is sent is obtained, confirmation request of insuring includes insurer ID and insurance kind ID.
Wherein, high insured amount declaration form list is insurance server to pre-generating, for recording insurer in insurance company
All insured amount attributes once bought are high insured amount declaration form list, in order to which insurance server real-time calling high protection amount is protected
Single-row table, to obtain the data for monitoring high insured amount declaration form.It is to be appreciated that server gives each insurer ID all corresponding life
At unique high insured amount declaration form list.
Confirmation request of insuring, which is user, buys insurance business for confirming by what client was sent to insurance server
Request.Confirmation request of insuring includes insurer ID, to confirm that client is agreed to buy insurance kind ID with the name of insurer ID.
S80. current high insured amount declaration form corresponding with insurance kind ID is generated based on confirmation request of insuring.
Wherein, current high insured amount declaration form is exactly that user confirms the declaration form content generated after the current insurance kind of purchase namely electronics
Insurance contract.
Electronic insurance contract is the agreement of insurer and insurance company based on insurance kind ID contractual liability rights and obligations relationship.Root
According to the agreement of insurance contract, the fundamental right that insurance premium is the insurer is collected, reparation or payment insurance money are the bases of insurance company
This obligation;Corresponding request reparation or payment insurance kind protection amount is the fundamental right of insurant.
In this step, insurance server receives the confirmation request of insuring of client transmission, can also be insured really based on this
Recognize the corresponding insurance kind ID of request, and generates electronic insurance contract, i.e., current high insured amount declaration form.
Specifically, electronic insurance contract can be according to the preset insurance contract template generation of insurance company.It is pre- in insurance company
If insurance contract template on, add the data of current high insured amount declaration form, such as:Insurer ID, when warrantee ID, declaration form come into force
Between, insurance kind attribute and insurance kind protection amount etc..Server generates electronics in content to preset insurance contract template by adding automatically
Insurance contract (i.e. current high insured amount declaration form), accelerates the process flow of declaration form, reduces the time of manual entry insurance information.
S90. current high insured amount declaration form is added in the corresponding high insured amount declaration form list of insurer ID.
Count the corresponding accumulative high insured amount summation of insurer ID in time for the ease of insurance company, insurance server needs timely
It is that high insured amount declaration form is added in high insured amount declaration form list by insured amount attribute.It was realized by list tool illustration of SQL
Journey:(the list head sequence that high protection amount declaration form list includes be insurer, warrantee, the declaration form entry-into-force time, lapse of policy period and
Insurance kind is insured amount):
It is instructed by database INSERT, successively adds corresponding data by the list head sequence in high insured amount declaration form list,
Form a new declaration form record:
Insurer ID is TBR001, warrantee ID is BXR001, the declaration form entry-into-force time is 20180301, the lapse of policy time
It is 1,000,000 for 20380301 and insurance kind protection amount.
Insurer ID | Warrantee ID | The declaration form entry-into-force time | The lapse of policy time | Insurance kind is insured amount |
TBR001 | BXR001 | 20180301 | 20380301 | 100 |
In this step, the list head that insurance server needs to save according to high insured amount declaration form list is protected from current high protection amount
Corresponding data is obtained in list to be added in high insured amount declaration form list, it is accumulative high insured amount total convenient for the subsequent real-time calculating of insurance server
The correctness of sum.
In one embodiment, as shown in fig. 7, in step s 50, that is, notifying to handle under client's end line, specifically including as follows
Step:
S51. user's entry address of client is obtained.
Wherein, position of user's entry address where when to be user log in client by internet.The user logs in ground
Location can voluntarily be uploaded by user, position what the modes such as tool (such as GPS) positioning or base station location were realized.Based on positioning work
Tool (such as GPS) positioning is to send positioning backstage for the position signal of oneself using third party's GPS positioning module on mobile phone
To realize mobile phone positioning.Base station location is then to determine mobile phone location to the measuring and calculating distance of the distance of mobile phone using base station.
The latter does not need mobile phone with GPS positioning ability, but precision depend greatly on base station distribution and coverage area it is big
Small, error can be more than one kilometer.To illustrate position fixing process for opening the SDK of third party's GPS positioning module:
Step 1:Obtain the latitude and longitude where user;
Step 2:The position that user is currently located is shown on third party's GPS positioning module map.
S52. according to user's entry address, corresponding Xian Xia outlet is searched.
Wherein, personal set can be carried out according to own situation by client by searching Xian Xia outlet, and insurance server can also
Default and specify a pre-set radius, such as 5 kilometers.Xian Xia outlet is exactly the business segment location of insurance company.
Specifically, respective position should be uploaded to third party's GPS positioning module first by the Xian Xia outlet of insurance company
Map on, so as to third party's GPS positioning module obtain map on Xian Xia outlet position.Third party's GPS positioning mould
Block searches whether the Xian Xia outlet uploaded centered on user's entry address within the scope of pre-set radius, and will
Lookup result is shown on map.
In this step, third party's GPS positioning module can intuitively show the address of Xian Xia outlet, timely convenient for user
Obtain the specific location where Xian Xia outlet.
S53. prompting message is sent, prompting message includes Xian Xia outlet.
Wherein, the mode of prompting message includes but is not limited to:Mail, short message or phone etc. can relate to user's
Various approach.
Specifically, the information of Xian Xia outlet is formed text by insurance server, is pasted in prompting message.With mail
For, insurance server obtains E-mail address reserved when user's registration, and the prompting for pasting wired lower outlet is believed
Breath is sent to the E-mail address.
In this step, Xian Xia outlet is sent to client by insurance server, can be with effective guarantee insurance business
It promotes.
In the present embodiment, insurance server gets net of doing business under the line near user location by user's entry address
After point, relevant Xian Xia outlet is returned into client, it can be with the propulsion of effective guarantee insurance business.
It is high insured amount declaration form that high insured amount method for early warning provided in this embodiment filters out insured amount attribute first, is then calculated
Current accumulative high protection amount of the corresponding insurer ID of high protection amount declaration form for same insurant ID within a preset time.Working as
Preceding accumulative high protection amount reaches default air control protection amount, then turning the mode handled under line can help insurance company effectively to avoid because of insurer
Multiplicating is insured, so that insurance company's later period may pay the risk insured amount beyond normal high price.
Further, insurance server can obtain corresponding default premium content by insurance kind ID, be not necessarily to client again certainly
Row uploads, and simplifies insured process.Insurance server can be obtained immediately by obtaining the corresponding high insured amount declaration form list of insurer ID
Accumulative high insured amount summation, it is current accumulative high insured amount convenient for being calculated further combined with this application of insuring.Insurance server only retains
In the real data of declaration form entry-into-force time and lapse of policy time direct insurance kind protection amount, the data of remaining time are all reset, and are protected
Barrier insurance server calculates the correctness of the accumulative high insured amount summation of same insurer.Insurance server is arranged according to high insured amount declaration form
Table needs the list head saved, obtains corresponding data from current high insured amount declaration form and is added in high insured amount declaration form list, is convenient for
The subsequent real-time correctness for calculating accumulative high insured amount summation of insurance server.Insurance server is got by user's entry address
After Xian Xia outlet near user location, relevant Xian Xia outlet is returned into client, is conducive to insurance business
Run smooth.
It should be understood that the size of the serial number of each step is not meant that the order of the execution order in above-described embodiment, each process
Execution sequence should be determined by its function and internal logic, the implementation process without coping with the embodiment of the present invention constitutes any limit
It is fixed.
Fig. 8 shows the principle frame with the one-to-one high insured amount prior-warning device of protection amount method for early warning high in above-described embodiment
Figure.As shown in figure 8, high protection amount prior-warning device includes obtaining request module 10 of insuring, obtaining insurance kind protection amount module 20, obtain and protect
Volume summation module 30 obtains accumulative insured amount module 40 and sends processing module 50 under line.Wherein, obtain insure request module 10,
Insurance kind protection amount module 20 is obtained, insured amount summation module 30 is obtained, obtains accumulative insured amount module 40 and send processing module 50 under line
Realization function respectively corresponded with high protection amount method for early warning S10 in embodiment to the step of S50, to avoid repeating, the present embodiment
It is not described in detail one by one.
Acquisition is insured request module 10, for obtaining the request of insuring of client transmission, insure request including insurer ID,
Insurance kind ID and insurant ID.
Insurance kind protection amount module 20 is obtained, for obtaining corresponding current insurance kind protection amount and insured amount attribute based on insurance kind ID;
Protection amount summation module 30 is obtained, if being high protection amount for insured amount attribute, obtains the corresponding same quilt of insurer ID
The corresponding accumulative high insured amount summation within a preset time of insurer ID.
Accumulative insured amount module 40 is obtained, for obtaining current accumulative based on current insurance kind protection amount and accumulative high insured amount summation
It is high insured amount.
Processing module 50 under line is sent, if reaching default air control protection amount for currently adding up high protection amount, notifies client
It is handled under line.
Preferably, the insured amount prior-warning device of the height further includes sending through notification unit 60.
It sends through notification unit 60, if insured amount for currently accumulative high insured amount not up to default air control, gives client
It sends first trial and passes through notice.
Preferably, obtaining insurance kind protection amount module 20 includes obtaining premium content unit 21 and acquisition insurance kind declaration form unit 22.
Premium content unit 21 is obtained, for obtaining default premium content corresponding with insurance kind ID.
Insurance kind declaration form unit 22 is obtained, for obtaining current insurance kind protection amount and insured amount attribute according to premium content is preset.
Preferably, obtaining insured amount summation module 30 includes obtaining declaration form list cell 31 and obtaining insured amount summation unit 32.
Declaration form list cell 31 is obtained, for obtaining the corresponding high insured amount declaration form list of insurer ID, high protection amount declaration form column
Table includes at least one high insured amount declaration form, and each high insured amount declaration form includes insurant ID, insurance kind protection amount and declaration form validity date.
Insured amount summation unit 32 is obtained, it is identical for counting insurant ID in high insured amount declaration form list, and declaration form is effective
The summation of all insurance kinds protection amount of date within a preset time obtains accumulative high insured amount summation.
Preferably, the insured amount prior-warning device of the height further includes updating declaration form list cell 33 and clearing insurance kind protection amount unit 34.
Declaration form list cell 33 is updated, more new peak protection amount declaration form list at preset timed intervals is used for.
Insurance kind protection amount unit 34 is reset, is used in high insured amount declaration form list, if the current time in system is not up to any guarantor
The single ID corresponding declaration form entry-into-force time has been more than any declaration form ID corresponding lapse of policy time, then declaration form ID is corresponding
Insurance kind protection amount is reset.
Preferably, the insured amount prior-warning device of the height further includes obtaining confirmation request unit 70, generating declaration form unit 80 and addition
Declaration form unit 90.
Confirmation request unit 70 is obtained, for obtaining the confirmation request of insuring of client transmission, confirmation request of insuring includes
Insurer ID and insurance kind ID.
Declaration form unit 80 is generated, for generating current high insured amount declaration form corresponding with insurance kind ID based on confirmation request of insuring.
Declaration form unit 90 is added, for current high insured amount declaration form to be added to the corresponding high insured amount declaration form list of insurer ID
In.
Preferably, sending processing module 50 under line includes obtaining entry address unit 51, off line 52 and of dot element of position line
Return to prompting message unit 53.
Entry address unit 51 is obtained, for obtaining user's entry address of client.
The off line dot element 52 of position line, for searching corresponding Xian Xia outlet according to user's entry address.
Prompting message unit 53 is returned to, for sending prompting message, prompting message includes Xian Xia outlet.
In one embodiment, a computer readable storage medium is provided, meter is stored on the computer readable storage medium
Calculation machine program, which realizes high protection amount method for early warning in above-described embodiment when being executed by processor, to avoid repeating,
Which is not described herein again.Alternatively, the computer program realizes in above-described embodiment each mould in high protection amount early warning when being executed by processor
The function of block, to avoid repeating, which is not described herein again.
It is to be appreciated that one or more of non-volatile readable storage mediums for being stored with computer-readable instruction can
To include:Can carry the computer-readable instruction any entity or device, recording medium, USB flash disk, mobile hard disk, magnetic disk,
CD, computer storage, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random
Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..
In one embodiment, a kind of computer equipment is provided, internal structure chart can be as shown in Figure 9.The computer
Equipment includes processor, built-in storage, network interface, display screen and the input unit connected by system bus.Wherein, the meter
The processor of machine equipment is calculated for providing calculating and control ability.The memory of the computer equipment includes that non-volatile memories are situated between
Matter, built-in storage.The non-volatile memory medium is stored with operating system and computer program.The built-in storage is non-volatile
The operation of operating system and computer program in storage medium provides environment.The network interface of the computer equipment be used for it is outer
Portion's server passes through network connection communication.To realize a kind of high insured amount method for early warning when the computer program is executed by processor.
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each function
Can unit, module division progress for example, in practical application, can according to need and by above-mentioned function distribution by different
Functional unit, module are completed, i.e., the internal structure of described device is divided into different functional unit or module, more than completing
The all or part of function of description.
Embodiment described above is merely illustrative of the technical solution of the present invention, rather than its limitations;Although referring to aforementioned reality
Applying example, invention is explained in detail, those skilled in the art should understand that:It still can be to aforementioned each
Technical solution documented by embodiment is modified or equivalent replacement of some of the technical features;And these are modified
Or replacement, the spirit and scope for technical solution of various embodiments of the present invention that it does not separate the essence of the corresponding technical solution should all
It is included within protection scope of the present invention.
Claims (10)
1. a kind of high insured amount method for early warning, which is characterized in that including:
The request of insuring that client is sent is obtained, the request of insuring includes insurer ID, insurance kind ID and insurant ID;
Corresponding current insurance kind protection amount and insured amount attribute are obtained based on the insurance kind ID;
If the protection amount attribute is high protection amount, accumulative high insured amount summation within a preset time is obtained;
According to the current insurance kind protection amount and the accumulative high insured amount summation, obtain current accumulative high insured amount;
Currently add up high protection amount if described to reach default air control insured amount, notifies to handle under client's end line.
2. high insured amount method for early warning as described in claim 1, which is characterized in that described corresponding based on insurance kind ID acquisition
Current insurance kind protection amount and insured amount attribute, including:
Obtain default premium content corresponding with the insurance kind ID;
According to the default premium content, current insurance kind protection amount and insured amount attribute are obtained.
3. high insured amount method for early warning as described in claim 1, which is characterized in that the accumulative height of the acquisition within a preset time
Insured amount summation, including:
The corresponding high insured amount declaration form list of the insurer ID is obtained, the high insured amount declaration form list includes that at least one is high insured amount
Declaration form, each high insured amount declaration form includes insurant ID, insurance kind protection amount and declaration form validity date;
It is identical to count insurant ID in the high insured amount declaration form list, and institute of the declaration form validity date in the preset time
There is the summation of insurance kind protection amount, obtains accumulative high insured amount summation.
4. high protection amount method for early warning as claimed in claim 3, which is characterized in that each high insured amount corresponding unique guarantor of declaration form
Single ID;
The declaration form validity date includes declaration form entry-into-force time and lapse of policy time;
After described the step of obtaining the insurer ID corresponding high insured amount declaration form list, the high insured amount method for early warning is also
Including:
The high insured amount declaration form list is updated at preset timed intervals;
In the high insured amount declaration form list, if the current time in system be not up to any declaration form ID corresponding declaration form entry-into-force time or
Person has been more than any declaration form ID corresponding lapse of policy time, then resets the corresponding insurance kind protection amount of the declaration form ID.
5. method for early warning as described in claim 1 high insured amount, which is characterized in that obtain current accumulative high insured amount step it
Afterwards, the high insured amount method for early warning further includes:
If the current accumulative high insured amount not up to default air control is insured amount, first trial is sent to the client and passes through notice.
6. high protection amount method for early warning as claimed in claim 5, which is characterized in that the corresponding unique high insured amount guarantor of each insurer ID
Single-row table, after sending the step of first trial passes through notice to the client, the high insured amount method for early warning further includes:
The confirmation request of insuring that client is sent is obtained, the confirmation request of insuring includes insurer ID and insurance kind ID;
Current high insured amount declaration form corresponding with the insurance kind ID is generated based on the confirmation request of insuring;
The current high insured amount declaration form is added in the corresponding high insured amount declaration form list of the insurer ID.
7. high insured amount method for early warning as described in claim 1, which is characterized in that it is described to notify to handle under client's end line,
Including:
Obtain user's entry address of the client;
According to user's entry address, corresponding Xian Xia outlet is searched;
Prompting message is sent, the prompting message includes the Xian Xia outlet.
8. a kind of information customizes sending device, which is characterized in that including:
Acquisition is insured request module, and for obtaining the request of insuring of client transmission, the request of insuring includes insurer ID, danger
Kind ID and insurant ID;
Insurance kind protection amount module is obtained, for obtaining corresponding current insurance kind protection amount and insured amount attribute based on the insurance kind ID;
Protection amount summation module is obtained, if being high protection amount for the protection amount attribute, obtains accumulative high guarantor within a preset time
Volume summation, the accumulative high insured amount summation are the history danger of insurer ID and insurant ID all high insured amount declaration forms all the same
The insured amount summation of kind;
Accumulative insured amount module is obtained, for obtaining current tired based on the current insurance kind protection amount and the accumulative high insured amount summation
Meter is high insured amount;
Processing module under line is sent, if currently adding up high protection amount for described to reach default air control insured amount, notifies the client
It is handled under end line.
9. a kind of computer equipment, including memory, processor and storage are in the memory and can be in the processor
The computer program of upper operation, which is characterized in that the processor realized when executing the computer program as claim 1 to
The step of any one of 7 information customization sending method.
10. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, and feature exists
In realizing the information customization sending method as described in any one of claim 1 to 7 when the computer program is executed by processor
Step.
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CN201810574148.4A CN108921709A (en) | 2018-06-06 | 2018-06-06 | High protection amount method for early warning, device, computer equipment and storage medium |
PCT/CN2018/092590 WO2019232827A1 (en) | 2018-06-06 | 2018-06-25 | High-insured amount early warning method and apparatus, computer device, and storage medium |
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