CN108921713A - A kind of service system of actively settling a claim of flight delay insurance - Google Patents

A kind of service system of actively settling a claim of flight delay insurance Download PDF

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Publication number
CN108921713A
CN108921713A CN201810635682.1A CN201810635682A CN108921713A CN 108921713 A CN108921713 A CN 108921713A CN 201810635682 A CN201810635682 A CN 201810635682A CN 108921713 A CN108921713 A CN 108921713A
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China
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module
information
flight
declaration form
business processing
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CN201810635682.1A
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Chinese (zh)
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李丹
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Individual
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Individual
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Priority to CN201810635682.1A priority Critical patent/CN108921713A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08Insurance
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/085Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855Payment architectures involving remote charge determination or related payment systems involving a third party
    • G06Q50/40

Abstract

A kind of service system of actively settling a claim of flight delay insurance, including:One business processing nucleus module, a product administration module, a declaration form data management module, a Scheduled Flight database module, a subscriber information management module, a user information acquire add-on module, a payment processing module;System passes through interface and external sales system, external Scheduled Flight database server, Third-party payment platform connection, it can be when flight be delayed and insures ensured its dynamic of flight and change, quickly, it is accurately obtained relevant information, automatically whether it is in danger to declaration form and whether meets Claims Resolution condition and determines, the declaration form Rapid Implementation for meeting Claims Resolution condition is compensated, it eliminates passenger and voluntarily collects the complicated procedures and its bring inconvenience that delay proves, reduce the cost of serving of settlement of insurance claim, shorten service duration, user's perception and satisfaction are improved simultaneously, be conducive to the sound development of flight delay insurance market.

Description

A kind of service system of actively settling a claim of flight delay insurance
Technical field
The present invention relates to a kind of settlement of insurance claim service system, in particular to a kind of active of flight delay insurance, which is settled a claim, to be serviced System.
Background technique
Currently, flight operation is often by many factors such as weather, air traffic control, mechanical breakdown, aircraft allotment, flight plans Influence, flight delay is difficult to avoid that.The units such as airline, nash-equilibrium quotient, insurance company, based on pacify user, promoted The Considerations such as service satisfaction are proposed various forms of aviation delay insurance products to air passenger.Although these products Form is different, the Limitation on Liability is also not quite similar, but is all the flight of insuring when flyer program seating in itself because listing Reason the accidents such as has occurred delay, cancels, makes a return voyage, making preparation for dropping and passenger is caused to fail to complete route according to original plan to bring inconvenience When reaching agreement degree, the economic compensation for being not limited to cash format of certain amount of money is provided it.
The acquisition of the compensation of traditional flight delay insurance products, needs passenger voluntarily to collect and insurance responsibility accident occurs Evidence, then to insurance company or it is other provide this product unit application Claims Resolution, needed after accepting manually to passenger submit Data, whether the accident of generation meets compensation condition etc. carries out audit confirmation, and by implementing to compensate again after auditing, process is multiple Miscellaneous and take time and effort, user's perception is also very unfriendly.It is actively managed so needing to a set of can provide aviation delay insurance The system for paying for service, can quickly, it is accurate, easily for the aviation delay passenger that is in danger Claims Resolution be provided and is compensated service.
In order to overcome the shortcomings of traditional flight delay insurance passive type Claims Resolution service, the present invention provides a kind of flights to prolong Accidentally insurance service system of actively settling a claim, the system can not only automatic discrimination passenger whether be in danger, whether meet compensation condition, and And the compensation that can be readily achieved cash base is fulfilled, can improve Claims Resolution efficiency of service can optimize service experience again, have Extensive market prospects.
Summary of the invention
In order to overcome the shortcomings of traditional flight delay insurance passive type Claims Resolution service, the present invention provides a kind of active reasons Pay for service system, the system can not only automatic discrimination passenger whether be in danger, whether meet compensation condition, and can be readily achieved The compensation of cash base is fulfilled, and can improve Claims Resolution efficiency of service can optimize service experience again.
The technical proposal of the invention is realized in this way:A kind of service system of actively settling a claim of flight delay insurance, including: One business processing nucleus module, the information and data uploaded for handling associated each business module, and issue various controls System and business processing instruction;
One product administration module stores the clause and rule of simultaneously management product, is industry for managing flight delay insurance products Business processing core module determines whether to reach Claims Resolution condition and provides underlying parameter;
One declaration form data management module is used for storage and management declaration form data, including insurer's identity information, warrantee's identity And the data such as account information, product information of insuring, Flight Information of insuring, channel information of insuring, it is mentioned for business processing nucleus module For handling task;
Declaration form data management module is connect by interface with external sales system, and external sales system is selling out air ticket and aviation After delay insurance, declaration form data are passed into declaration form data management module, complete to insure;
One Scheduled Flight database module, for external Scheduled Flight database server customization need Scheduled Flight and User is practical to take status data, and the dynamic data that will acquire passes to business processing nucleus module implementation service logic and sentences It is disconnected;
One subscriber information management module is used for storage and management insurer identity information, warrantee's identity and account information etc., When the judgement of business processing nucleus module meets Claims Resolution condition, required warrantee's identity and account information are provided, with after the completion Continuous compensation task;
One user information acquires add-on module, is connected with subscriber information management module, for when the transmitting of external sales system When user information does not require supplementation with entirely, which can be by including but is not limited to the side such as short message, voice, website, client, wechat Formula is interacted with passenger, and user information needed for supplement acquisition passes to subscriber information management module;
One payment processing module, for differentiating that the declaration form for meeting compensation condition is implemented to compensate to business processing nucleus module;
Payment processing module is connect with Third-party payment platform by interface, by payment instruction, including is produced account information, is transferred to The data such as account information, transfer amounts, authentication secret are sent to Third-party payment platform, and receive Third-party payment platform feedback Processing result state report;
The external sales system refers to that airline's ticketing sale system or nash-equilibrium quotient's marketing system etc. go out to air passenger The system platform of airline ticket and associated satellite product is sold, also includes insurance company's declaration form marketing system, insurance agent's agency's public affairs Department's declaration form marketing system etc. directly sells separately the system platform of insurance products to user;
The external Scheduled Flight database server, including blank pipe database server, Air China's telecommunications databases server, aviation Corporate database server etc. acquires and updates in real time Scheduled Flight and the practical database server for taking state of user;
Described Third-party payment platform, including bank net payment platform, Unionpay, Alipay, Wealth tong etc. provide bank account Between, the platform of Zhi Fuyu clearing service between bank account and Third-party payment account, between Third-party payment account;
The beneficial effects of the invention are as follows:It can be when flight be delayed and insures ensured its dynamic of flight and change, quickly, quasi- Relevant information really is got, whether being in danger to declaration form automatically and whether meeting Claims Resolution condition determines, to meeting Claims Resolution item The declaration form Rapid Implementation of part is compensated, and is eliminated passenger and is voluntarily collected the complicated procedures and its bring inconvenience that delay proves, that is, drops The low cost of serving of settlement of insurance claim shortens service duration, while improving user's perception and satisfaction, is conducive to flight and prolongs The accidentally sound development of insurance market.
Detailed description of the invention
Present invention will be further explained below with reference to the attached drawings and examples.
Fig. 1 is system structure diagram of the invention.
Specific embodiment
The service system as shown in Figure 1, flight delay insurance of the invention is actively settled a claim, including:
One business processing nucleus module 11, a product administration module 12, a declaration form data management module 13, a flight Dynamic data library module 14, a subscriber information management module 15, a user information acquire add-on module 16, a payment Processing module 17;
Product administration module 12 stores the clause and rule of simultaneously management product, is business for managing flight delay insurance products Processing core module 11 determines whether to reach Claims Resolution condition and provides underlying parameter;
After flight delay insurance products are released, need in the product clause, when about the delay for reaching compensation condition Long parameter, delay criterion are to take off delay or to reach delay, whether flight cancellation compensates, flight is made preparation for dropping whether compensates, navigates Class take off after make a return voyage whether compensate, it is practical to user seize the opportunity the critical parameters standard typing such as conditions dictate product administration module 12, Corresponding product code is generated, the system capability preparation completing product sale and insuring;
Declaration form data management module 13 is used for storage and management declaration form data, and declaration form data management module 13 is by interface and outside Portion's marketing system 21 connects, and external sales system 21 passes to declaration form data after selling out air ticket and aviation delay insurance Declaration form data management module 13 is completed to insure;Declaration form data mainly include insurer's identity information, warrantee's identity and account letter It ceases, the data such as product information of insuring, Flight Information of insuring, channel information of insuring, provides processing for business processing nucleus module 11 Task;
Business processing nucleus module 11, the information and data uploaded for handling associated each business module, and issue various Control and business processing instruction;
After declaration form data management module 13 receives declaration form data, business processing nucleus module 11 analyzes declaration form data User information in declaration form data is passed to subscriber information management module 15 and carries out storage and management, and is directed to declaration form by processing In insure and flight and seize the opportunity people's information, issue flight dynamic information to Scheduled Flight database module 14 and passenger be practical multiplies Sit the custom instruction of status information;
Scheduled Flight database module 14, Scheduled Flight and use for being needed to the customization of external Scheduled Flight database server The practical seating status data in family, the dynamic data that will acquire pass to the implementation of business processing nucleus module 11 service logic and sentence It is disconnected;When the flight dynamic information and the practical customization for taking status information of passenger that receive the sending of business processing nucleus module 11 refer to After order, the information that needs to the customization of external Scheduled Flight database server and passenger is practical takes status information be will acquire Dynamic data pass to business processing nucleus module 11 implement service logic judgement;
Business processing nucleus module 11, flight dynamic information and the passenger for receiving the return of Scheduled Flight database module 14 are real After status information is taken on border, by the information and the corresponding declaration form data in declaration form data management module 13, according to management of product mould The product rule recorded in block 12 is differentiated;
The declaration form for not up to compensating condition is not processed, for reaching the declaration form of compensation condition, to subscriber information management module 15 After warrantee's identity and account information are extracted in inquiry, is issued to payment processing module 17 and compensate instruction.
It is such as inquired to subscriber information management module 15 and finds information not during extracting warrantee's identity and account information When requiring supplementation with entirely, business processing nucleus module 11 issues completion instruction, user information to user information acquisition add-on module 16 Acquisition add-on module 16 is instructed according to completion to be required by including but is not limited to the side such as short message, voice, website, client, wechat Formula is interacted with passenger, and user information needed for supplement acquisition passes to subscriber information management module 15;
Payment processing module 17, for differentiating that the declaration form for meeting compensation condition is implemented to compensate to business processing nucleus module 11;Branch It pays processing module to connect with Third-party payment platform 41 by interface, will include producing account letter when receiving payment instruction It ceases, be transferred to the data such as account information, transfer amounts, authentication secret and be sent to Third-party payment platform 41, and receive third party's branch Pay the processing result state report that platform 41 is fed back;
The external sales system 21 refers to airline's ticketing sale system or nash-equilibrium quotient's marketing system etc. to aviation trip Visitor sells the system platform of airline ticket and associated satellite product, also includes insurance company's declaration form marketing system, insurance agent's generation Reason company declaration form marketing system etc. directly sells separately the system platform of insurance products to user;
The external Scheduled Flight database server, including blank pipe database server 31, Air China's telecommunications databases server 32, Airline data library servers 33 etc. acquire and update in real time Scheduled Flight and the practical database service for taking state of user Device;
Described Third-party payment platform 41, including bank net payment platform, Unionpay, Alipay, Wealth tong etc. provide bank's account The platform of Zhi Fuyu clearing service between family, between bank account and Third-party payment account, between Third-party payment account;
From above-described embodiment as can be seen that insuring service system of actively settling a claim, Ke Yi using flight provided by the invention delay When flight delay insures ensured its dynamic of flight and changes, relevant information is quickly and accurately got, automatically to declaration form Whether it is in danger and whether meets Claims Resolution condition and determined, the declaration form Rapid Implementation for meeting Claims Resolution condition is compensated, the trip of eliminating Visitor voluntarily collects the complicated procedures that delay proves and its bring is inconvenient, that is, reduces the cost of serving of settlement of insurance claim, shortens Service duration, while user's perception and satisfaction are improved, be conducive to the sound development of flight delay insurance market.
It should be pointed out that various changes and modifications can be made to the invention without departing from the present invention by those skilled in the art Spirit and scope.In this way, if these modifications and changes of the present invention belongs to the claims in the present invention and its equivalent technologies Within the scope of, then the present invention is also intended to include these modifications and variations.

Claims (5)

1. a kind of service system of actively settling a claim of flight delay insurance, it is characterized in that:
When flight delay insures ensured its dynamic of flight and changes, whether the system is in danger to declaration form automatically and is The no Claims Resolution condition that meets determined, including
One business processing nucleus module, the information and data uploaded for handling associated each business module, and issue each Kind control and business processing instruction;
One product administration module stores the clause and rule of simultaneously management product, is industry for managing flight delay insurance products Business processing core module determines whether to reach Claims Resolution condition and provides underlying parameter;
One declaration form data management module is used for storage and management declaration form data, including insurer's identity information, warrantee's identity And account information, product information of insuring, Flight Information of insuring, channel information data of insuring, it is provided for business processing nucleus module Processing task;The declaration form data management module is connect by interface with external sales system, and external sales system is being sold out After air ticket and aviation delay insurance, declaration form data are passed into declaration form data management module, complete to insure;When declaration form data management After module receives declaration form data, business processing nucleus module is analyzed and processed declaration form data, by the use in declaration form data Family information passes to subscriber information management module and carries out storage and management, and believes for the flight of insuring in declaration form with people is seized the opportunity Breath issues flight dynamic information and the practical custom instruction for taking status information of passenger to Scheduled Flight database module;
One Scheduled Flight database module, for external Scheduled Flight database server customization need Scheduled Flight and User is practical to take status data, and the dynamic data that will acquire passes to business processing nucleus module implementation service logic and sentences It is disconnected;When the flight dynamic information and the practical custom instruction for taking status information of passenger for receiving the sending of business processing nucleus module Afterwards, the information that needs to the customization of external Scheduled Flight database server and passenger is practical takes status information, will acquire Dynamic data passes to business processing nucleus module and implements service logic judgement;Business processing nucleus module receives Scheduled Flight Database module return flight dynamic information and passenger is practical take status information after, by the information and declaration form data management mould Correspondence declaration form data in block, are differentiated according to the product rule recorded in product administration module;Not up to compensate condition Declaration form is not processed, and for reaching the declaration form of compensation condition, extracts warrantee's identity and account to subscriber information management module polls After the information of family, is issued to payment processing module and compensate instruction;
One subscriber information management module is used for storage and management insurer identity information, warrantee's identity and account information, when When the judgement of business processing nucleus module meets Claims Resolution condition, required warrantee's identity and account information are provided, it is subsequent to complete Compensation task;
One user information acquires add-on module, when the user information for transmitting when external sales system does not require supplementation with entirely, The module can be interacted by short message, voice, website, client, wechat mode and passenger, user's letter needed for supplement acquisition Breath, passes to subscriber information management module;
One payment processing module, for differentiating that the declaration form for meeting compensation condition is implemented to compensate to business processing nucleus module.
2. the service system of actively settling a claim of flight delay insurance according to claim 1, it is characterized in that:
Payment processing module is connect with Third-party payment platform by interface, by payment instruction, including is produced account information, is transferred to Account information, transfer amounts, authentication secret data are sent to Third-party payment platform, and receive Third-party payment platform feedback Processing result state report.
3. the service system of actively settling a claim of flight delay insurance according to claim 1, it is characterized in that:
The external Scheduled Flight database server, including blank pipe database server, Air China's telecommunications databases server, aviation Corporate database server, for acquiring and updating Scheduled Flight in real time and user is practical takes state.
4. the service system of actively settling a claim of flight delay insurance according to claim 1, it is characterized in that:
The external sales system refers to airline's ticketing sale system or nash-equilibrium quotient's marketing system, is used to aviation trip Visitor sells airline ticket and associated satellite product, also includes insurance company's declaration form marketing system, insurance agent agency declaration form Marketing system, for directly selling separately insurance products to user.
5. the service system of actively settling a claim of flight delay insurance according to claim 2, it is characterized in that:
The Third-party payment platform, including bank net payment platform, Unionpay, Alipay, Wealth tong, provide bank account it Between, the Zhi Fuyu between bank account and Third-party payment account, between Third-party payment account settles accounts and services.
CN201810635682.1A 2018-06-20 2018-06-20 A kind of service system of actively settling a claim of flight delay insurance Withdrawn CN108921713A (en)

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Application Number Priority Date Filing Date Title
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Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109658270A (en) * 2018-12-19 2019-04-19 前海企保科技(深圳)有限公司 It is a kind of to read the core compensation system and method understood based on insurance products
CN110428340A (en) * 2019-08-05 2019-11-08 航联数字科技(北京)有限公司 A kind of service system and its implementation of full-automatic aviation class insurance
CN110874748A (en) * 2019-11-18 2020-03-10 中国民航信息网络股份有限公司 Passenger protection method, device and system
CN112508716A (en) * 2020-11-30 2021-03-16 泰康保险集团股份有限公司 Data management method, system, device, storage medium and electronic terminal
CN112561675A (en) * 2020-12-08 2021-03-26 中国航空结算有限责任公司 Settlement method, settlement device, computer equipment and storage medium
CN112561503A (en) * 2020-12-08 2021-03-26 中国航空结算有限责任公司 Settlement method, settlement device, computer equipment and storage medium

Cited By (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109658270A (en) * 2018-12-19 2019-04-19 前海企保科技(深圳)有限公司 It is a kind of to read the core compensation system and method understood based on insurance products
CN110428340A (en) * 2019-08-05 2019-11-08 航联数字科技(北京)有限公司 A kind of service system and its implementation of full-automatic aviation class insurance
CN110428340B (en) * 2019-08-05 2023-06-13 航联数字科技(北京)有限公司 Service system of full-automatic aviation insurance and implementation method thereof
CN110874748A (en) * 2019-11-18 2020-03-10 中国民航信息网络股份有限公司 Passenger protection method, device and system
CN110874748B (en) * 2019-11-18 2023-09-01 中国民航信息网络股份有限公司 Passenger protection method, device and system
CN112508716A (en) * 2020-11-30 2021-03-16 泰康保险集团股份有限公司 Data management method, system, device, storage medium and electronic terminal
CN112561675A (en) * 2020-12-08 2021-03-26 中国航空结算有限责任公司 Settlement method, settlement device, computer equipment and storage medium
CN112561503A (en) * 2020-12-08 2021-03-26 中国航空结算有限责任公司 Settlement method, settlement device, computer equipment and storage medium
CN112561675B (en) * 2020-12-08 2024-03-29 中国航空结算有限责任公司 Settlement method, settlement device, computer equipment and storage medium
CN112561503B (en) * 2020-12-08 2024-03-29 中国航空结算有限责任公司 Settlement method, settlement device, computer equipment and storage medium

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