CN108985945A - A kind of the annuity settlement method and server of insurance - Google Patents
A kind of the annuity settlement method and server of insurance Download PDFInfo
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- CN108985945A CN108985945A CN201810598109.8A CN201810598109A CN108985945A CN 108985945 A CN108985945 A CN 108985945A CN 201810598109 A CN201810598109 A CN 201810598109A CN 108985945 A CN108985945 A CN 108985945A
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- 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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The present invention is suitable for field of computer technology, provides the annuity settlement method and server of a kind of insurance, comprising: at the time of the anniversary day for the declaration form for reaching insurance, obtains the anniversary day account value of the investment in capital account insured in declaration form；Ratio is returned according to the annuity of the anniversary of investment in capital account day account value and investment in capital account, calculate investment in capital account should lead annuity；When getting annuity and getting request, the real account value that annuity gets the investment in capital account for including in request is obtained；The real account of annuity and investment in capital account should be led to be worth according to investment in capital account, settle accounts and pay the annuity of investment in capital account.The anniversary day, account value was got at the time of the anniversary day for the declaration form for reaching insurance in the present invention, immediately on the day of anniversary day the account value of investment in capital account change nor affect on calculate investment in capital account should lead annuity, the account value for determining the anniversary day by rollback operation is not needed, the treatment effeciency of annuity account settlement business is improved.
Description
Technical field
The invention belongs to field of computer technology more particularly to the annuity settlement methods and server of a kind of insurance.
Background technique
Omnipotent insurance be refer to can any premium payment and any adjustment insurance against death gold payment amount of money people
Longevity insurance.Omnipotent insurance is comprising insurance cover function and at least possesses certain assets value in an investment in capital account (omnipotent account)
Personal insurance product.Why omnipotent insurance is referred to as " omnipotent ", is that client can be according to life difference after insuring
The requirements of support and finance situation in stage, determine the optimal proportion for ensureing and investing, allowing has at adjustment protection amount, premium and payment phase
The fund of limit plays maximum effect.
The annuity of omnipotent insurance, be typically based on omnipotent insurance policy anniversary day investment in capital account account value calculated.
Due to omnipotent insurance investment in capital account account value can because of the saving from damage of client, settle a claim or other clearing act due to becomes
Change, therefore the account value of the investment in capital account in anniversary day constantly changes.When annuity is got in client's request, it will because of investment account
The variation of the account value at family, and the annuity of payment is caused to calculate not in accordance with the account value in practical anniversary day, it needs to throwing
Money account carries out rollback operation and determines omnipotent insurance in the account value in anniversary day to calculate annuity, annuity account settlement business processing effect
Rate is lower.
Summary of the invention
In view of this, the embodiment of the invention provides the annuity settlement method and server of a kind of insurance, it is existing to solve
In technology when annuity is got in client's request, it will lead to the annuity of payment because of the variation of the account value of investment in capital account not
It is to be calculated according to the account value in practical anniversary day, needs to carry out investment in capital account rollback operation and determine insurance in the account in anniversary day
Family is worth to calculate annuity, the lower problem of annuity account settlement business treatment effeciency.
The first aspect of the embodiment of the present invention provides a kind of annuity settlement method of insurance, comprising:
At the time of the anniversary day for the declaration form for reaching insurance, the anniversary day account of the investment in capital account insured in the declaration form is obtained
Family value；
Ratio is returned according to the annuity of the anniversary of the investment in capital account day account value and the investment in capital account, calculates institute
That states investment in capital account should lead annuity；
When getting annuity and getting request, the real account that the annuity gets the investment in capital account for including in request is obtained
Value；
The real account of annuity and the investment in capital account should be led to be worth according to the investment in capital account, settle accounts and pay institute
State the annuity of investment in capital account.
The second aspect of the embodiment of the present invention provides a kind of server, including memory, processor and is stored in institute
The computer program that can be run in memory and on the processor is stated, the processor executes real when the computer program
Existing following steps:
At the time of the anniversary day for the declaration form for reaching insurance, the anniversary day account of the investment in capital account insured in the declaration form is obtained
Family value；
Ratio is returned according to the annuity of the anniversary of the investment in capital account day account value and the investment in capital account, calculates institute
That states investment in capital account should lead annuity；
When getting annuity and getting request, the real account that the annuity gets the investment in capital account for including in request is obtained
Value；
The real account of annuity and the investment in capital account should be led to be worth according to the investment in capital account, settle accounts and pay institute
State the annuity of investment in capital account.
The third aspect of the embodiment of the present invention provides a kind of computer readable storage medium, the computer-readable storage
Media storage has computer program, and the computer program performs the steps of when being executed by processor
At the time of the anniversary day for the declaration form for reaching insurance, the anniversary day account of the investment in capital account insured in the declaration form is obtained
Family value；
Ratio is returned according to the annuity of the anniversary of the investment in capital account day account value and the investment in capital account, calculates institute
That states investment in capital account should lead annuity；
When getting annuity and getting request, the real account that the annuity gets the investment in capital account for including in request is obtained
Value；
The real account of annuity and the investment in capital account should be led to be worth according to the investment in capital account, settle accounts and pay institute
State the annuity of investment in capital account.
The annuity settlement method and server for implementing a kind of insurance provided in an embodiment of the present invention have the advantages that
The embodiment of the present invention is insured in the declaration form by obtaining at the time of the anniversary day for the declaration form for reaching insurance
The anniversary day account value of investment in capital account, and annuity should be led according to anniversary day account value calculating investment in capital account, according to throwing
Money account should lead annuity and real account to be worth the annuity for settling accounts the investment in capital account.Since anniversary day account value is to arrive
Up to the declaration form of insurance anniversary day at the time of get, immediately the account value of investment in capital account changes on the day of the anniversary day
Nor affect on calculating investment in capital account should lead annuity, and when the account value of investment in capital account changes, business personnel is not needed
Determine that investment in capital account in the account value in anniversary day, improves annuity account settlement business treatment effeciency by rollback operation.
Detailed description of the invention
It to describe the technical solutions in the embodiments of the present invention more clearly, below will be to embodiment or description of the prior art
Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description is only of the invention some
Embodiment for those of ordinary skill in the art without any creative labor, can also be according to these
Attached drawing obtains other attached drawings.
Fig. 1 is a kind of implementation flow chart of the annuity settlement method for insurance that one embodiment of the invention provides；
Fig. 2 be another embodiment of the present invention provides a kind of insurance annuity settlement method implementation flow chart；
Fig. 3 is a kind of structural block diagram for server that one embodiment of the invention provides；
Fig. 4 be another embodiment of the present invention provides a kind of server schematic diagram.
Specific embodiment
In order to make the objectives, technical solutions, and advantages of the present invention clearer, with reference to the accompanying drawings and embodiments, right
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
Referring to Figure 1, Fig. 1 is a kind of implementation process of the annuity settlement method for insurance that one embodiment of the invention provides
Figure.The executing subject of the annuity settlement method insured in the present embodiment is server, and the insurance in the present embodiment is to need in week
The insurance of year daily settlement annuity, which includes but is not limited to omnipotent insurance.The annuity settlement method of insurance as shown in the figure can
The following steps are included:
S101: at the time of the anniversary day for the declaration form for reaching insurance, the week of the investment in capital account insured in the declaration form is obtained
Year day account value.
The declaration form stored in server ergodic data library obtains all insurance policies according to the insurance kind of insurance mark and (insures
Declaration form), and each insurance policy respective anniversary day is determined according to the effective date of each insurance policy, and obtain and protect in insurance policy
The investment in capital account of danger is equivalent to the birthday of declaration form the day in anniversary of insurance policy.Client in the investment in capital account and insurance policy of insurance
Information and the insurance kind of insurance are associated, and server can be according to the insurance kind mark for the customer information and insurance for including in insurance policy
Know and obtains investment in capital account associated with it.
Server is being detected at the anniversary day for getting each insurance policy and the investment in capital account insured in insurance policy
When current time is at the time of the anniversary day for the declaration form for reaching insurance, the anniversary day account of the investment in capital account insured in insurance policy is obtained
Family value.Anniversary, day account value referred to the account value on the same day in anniversary day.
Account value refers to the value of investment in capital account, refers to and enters investment in capital a/c after the premium of insurance deducts correlative charges
Value.For example, account value=deposit money-initial cost-guarantee cost+interest.
It in the present embodiment, is the zero point moment in anniversary day at the time of the anniversary day of the declaration form of insurance, in other embodiments,
It is also possible to the preset period of time in the anniversary day of the declaration form of insurance, obtains the anniversary day of the investment in capital account insured in the declaration form of insurance
Account value.Preset period of time can be determining according to the processing time of the item for the account value for influencing investment in capital account, preset period of time
Need to avoid to influence the processing time of the item of the account value of investment in capital account, and need to be arranged in processing to influence investment in capital account
Before the processing time of the item of account value.For example, the item for influencing the account value of investment in capital account is to save from damage, settle a claim, is existing
Gold clearing, if saving from damage, settling a claim, the processing time of cash settlement is the workaday working time, preset period of time can be set
It is set to the arbitrary period earlier than the workaday working time, such as morning zero point is to 1:00 AM.
S102: returning ratio according to the annuity of the anniversary of the investment in capital account day account value and the investment in capital account,
Calculate the investment in capital account should lead annuity.
When being previously stored with insurance kind in server and annuity returns the default corresponding relationship of ratio, server can basis
The insurance kind mark insured in insurance policy determines the insurance kind of insurance, is closed according to the default correspondence that the insurance kind and annuity prestored returns ratio
System obtains the corresponding annuity of the insurance and returns ratio, so that the annuity for obtaining the omnipotent account returns ratio.
The annuity that server can also return each account levels of ratio setting strategy setting previously according to annuity returns ratio
Example, account levels are higher, and it is higher that annuity returns ratio.Integral level or the purchasing power of user of account levels identity user etc.
Grade.Server can return ratio according to the annuity of each account levels, obtain the account of the investment in capital account insured in insurance policy
Annuity corresponding to grade returns ratio.
The annuity for the investment in capital account that server insures in determining insurance policy returns the anniversary day of ratio and investment in capital account
When account value, calculate the investment in capital account anniversary day account value and the annuity return ratio of investment in capital account between product,
Obtain the annuity that should lead of investment in capital account, and then determine the investment in capital account insured in each insurance policy should lead annuity.
Optionally, server can save the anniversary day account value of each investment in capital account, on the day of the anniversary day, according to throwing
The contact method for providing the associated user of account sends prompt information, to prompt customer pickup annuity.Prompt information includes investment account
Anniversary at family day account value and anniversary day.
Server can save each omnipotent account of each same day in anniversary day in the account value for calculating fund account
Account value and its practical annuity that can get；Prompt letter can also be sent according to the contact method of the user of omnipotent account
Breath, for prompt information for reminding user to get annuity on the day of the anniversary day, prompt information includes the practical annuity that can be got.
S103: when getting annuity and getting request, the reality that the annuity gets the investment in capital account for including in request is obtained
Border account value.
When client needs to get annuity, business handling personnel can trigger year golden collar by the interactive interface that terminal is shown
Request is taken, it includes investment in capital account information that annuity, which gets request, can also include the mark for sending the terminal that annuity gets request, eventually
The mark at end feeds back the associated processing outcomes that the annuity gets request to terminal for server.
For server when the annuity for getting terminal transmission gets request, getting request according to annuity includes that investment in capital account is believed
Breath obtains the real account value of the investment in capital account.The real account value of investment in capital account, which refers to, gets request getting annuity
When, the account value of the investment in capital account inquired.
S104: the real account of annuity and the investment in capital account should be led to be worth according to the investment in capital account, clearing are simultaneously
Pay the annuity of the investment in capital account.
Server should lead the real account of annuity and investment in capital account to be worth according to investment in capital account, determine the investment in capital account
Real account value enough whether payment should lead annuity, and pay should lead year enough in the real account of investment in capital account value
Jin Shi should lead annuity from the investment in capital account allotted fund according to the investment in capital account.
For example, the fund that server can allocate amount identical as that should lead annuity from the investment in capital account is specified to client
Or reserved collecting account, or fund amount identical with annuity should be led is deducted from the investment in capital account, and business is notified to do
Reason personnel are paid the fund that should lead the identical amount of annuity.
Wherein, server can identify the Payment Records for inquiring the insurance policy according to the declaration form of insurance policy, from Payment Records
The middle fund account for obtaining user, and is identified as the collecting account of user (client), and notice capital management server will be with
The fund of the identical amount of annuity should be led to transfer from investment in capital account to the collecting account of user.Fund account can be bank's card number,
Wechat account or Alipay account etc..
It is understood that the investment in capital account real account value be not enough to pay should lead annuity when, determine the anniversary
The account value at certain moment on the day of day or after the anniversary day, the investment in capital account is reduced, and does not settle accounts the annuity of the investment in capital account.
Optionally, it can also include server when sending the mark for the terminal that annuity gets request that current year golden collar, which takes request,
When successfully paying the annuity of the investment in capital account, the mark for getting the terminal for including in request according to transmission annuity is anti-to the terminal
Feedback is for indicating that annuity gets successful notification message；When not settling accounts the annuity of the investment in capital account, got according to annuity is sent
The mark for the terminal for including in request is fed back to the terminal for indicating that annuity gets the notification message of failure.
Further, in another embodiment, S104 may include S1041~S1042.It is specific as follows:
S1041: when the real account of investment in capital account value is less than when should lead annuity of the investment in capital account, nonperformance
The annuity of the investment in capital account.
Server is less than when should lead annuity of the investment in capital account in the real account value for determining investment in capital account, determines the throwing
Certain day of account on the day of its corresponding anniversary day or after the anniversary day is provided, account value is reduced, and the account valence after reduction
Value is not enough to pay the annuity of the investment in capital account.At this point, server does not pay the annuity of the account.
S1042: being greater than or equal to when should lead annuity of the investment in capital account when the real account of the investment in capital account is worth,
Annuity should be led to pay the annuity of the investment in capital account according to the investment in capital account.
Server is greater than or equal to when should lead annuity of the investment in capital account in the real account value for determining investment in capital account, sentences
The fixed investment in capital account is needed to the amount of money that should lead the identical amount of annuity is paid, and server is deducted from the investment in capital account and should be led year
Metallographic will should lead the amount of money of the identical amount of annuity to pay the visitor of the investment in capital account with the amount of money of amount with the investment in capital account
Family, for example, transferring the amount of money that should lead the identical amount of annuity with the investment in capital account from the investment in capital account to the gathering account of client
Family.
The embodiment of the present invention is insured in the declaration form by obtaining at the time of the anniversary day for the declaration form for reaching insurance
The anniversary day account value of investment in capital account, and annuity should be led according to anniversary day account value calculating investment in capital account, according to throwing
Money account should lead annuity and real account to be worth the annuity for settling accounts the investment in capital account.Since anniversary day account value is to arrive
Up to the declaration form of insurance anniversary day at the time of get, immediately the account value of investment in capital account changes on the day of the anniversary day
Nor affect on calculating investment in capital account should lead annuity, and when the account value of investment in capital account changes, business personnel is not needed
Determine that investment in capital account in the account value in anniversary day, improves annuity account settlement business treatment effeciency by rollback operation.
Refer to Fig. 2, Fig. 2 be another embodiment of the present invention provides a kind of insurance annuity settlement method implementation process
Figure.The executing subject of the annuity settlement method insured in the present embodiment is server, and the insurance in the present embodiment is to need in week
The insurance of year daily settlement annuity, which includes but is not limited to omnipotent insurance.The annuity settlement method of insurance as shown in the figure can
The following steps are included:
S201: in the preset time period before the anniversary day of the declaration form of insurance, the sampling account of the investment in capital account is obtained
Family value.
Preset time period before the anniversary day of the declaration form of insurance can be any time period of the previous day in anniversary day,
It is also possible to any time period at the end of month (one month last day) of the previous moon of the moon belonging to the anniversary day.Belonging to anniversary day
The moon is adjacent with the previous moon of the moon belonging to the anniversary day.
The declaration form stored in server ergodic data library obtains all insurance policies according to the insurance kind of insurance mark and (insures
Declaration form), and each insurance policy respective anniversary day is determined according to the effective date of each insurance policy, and obtain and protect in insurance policy
The investment in capital account of danger is equivalent to the birthday of declaration form the day in anniversary of insurance policy.Client in the investment in capital account and insurance policy of insurance
Information and the insurance kind of insurance are associated, and server can be according to the insurance kind mark for the customer information and insurance for including in insurance policy
Know and obtains investment in capital account associated with it.
Server can be in any time of the previous day in the anniversary day of each insurance policy or the anniversary day of each insurance policy
Any time at the end of month of the previous moon of the affiliated moon inquires the account valence of the investment in capital account for the insurance for including in each insurance policy
Value, obtains the sampling account value of the investment in capital account of the insurance of each insurance policy.
S202: it is calculated according to the sampling account value that the annuity of the investment in capital account returns ratio and the investment in capital account
The tentative calculation annuity of the investment in capital account.
When being previously stored with insurance kind in server and annuity returns the default corresponding relationship of ratio, server can basis
The insurance kind mark insured in insurance policy determines the insurance kind of insurance, is closed according to the default correspondence that the insurance kind and annuity prestored returns ratio
System obtains the corresponding annuity of the insurance and returns ratio, so that the annuity for obtaining the omnipotent account returns ratio.
The annuity that server can also return each account levels of ratio setting strategy setting previously according to annuity returns ratio
Example, account levels are higher, and it is higher that annuity returns ratio.Integral level or the purchasing power of user of account levels identity user etc.
Grade.Server can return ratio according to the annuity of each account levels, obtain the account of the investment in capital account insured in insurance policy
Annuity corresponding to grade returns ratio.
When the annuity for the investment in capital account that server insures in determining insurance policy returns ratio, the pumping of the investment in capital account is calculated
Product between sample account value and the annuity return ratio of investment in capital account, obtains the tentative calculation annuity of investment in capital account, and then obtain
The tentative calculation annuity of the investment in capital account insured in each insurance policy.
Tentative calculation annuity is when the account value of investment in capital account remains unchanged, and investment in capital account needs the annuity paid.
Optionally, annuity is got in the anniversary day for the ease of prior notice client, can also includes: basis after S202
Notification information is sent with the contact method of the associated user of the investment in capital account；Wherein, the notification information is for notifying user
Annuity is got, the notification information includes the tentative calculation year of the corresponding anniversary day information of the investment in capital account and the investment in capital account
Gold.
Server is in the tentative calculation annuity for calculating the investment in capital account, and before anniversary day reaches, can according to throwing
The money associated user contact details of account send a notification message, to notify client to get annuity on the day of anniversary day, it is contemplated that can be with
Get the amount of money identical with tentative calculation annuity amount.The contact method of user can be phone number, email address or instant messaging
Account (QQ account or wechat account etc.).
S203: at the time of the anniversary day for the declaration form for reaching insurance, the week of the investment in capital account insured in the declaration form is obtained
Year day account value.
S203 in the present embodiment is identical as the S101 in a upper embodiment, referring specifically to S101 in a upper embodiment
Associated description does not repeat herein.
S204: returning ratio according to the annuity of the anniversary of the investment in capital account day account value and the investment in capital account,
Calculate the investment in capital account should lead annuity.
S204 in the present embodiment is identical as the S102 in a upper embodiment, referring specifically to S102 in a upper embodiment
Associated description does not repeat herein.
S205: when getting annuity and getting request, the reality that the annuity gets the investment in capital account for including in request is obtained
Border account value.
S205 in the present embodiment is identical as the S103 in a upper embodiment, referring specifically to S103 in a upper embodiment
Associated description does not repeat herein.
Server can execute S206 or S207~S208 after executing S205.Wherein, server is getting investment
When the real account value of account, by real account value, sampling account value and the anniversary day account valence of the investment in capital account
Value three is compared.
When the sampling account value, anniversary day account value and real account value that comparison result is the investment in capital account are equal
When equal, determine at the time of the sampling account value for getting the investment in capital account at the time of acquisition anniversary day account value pairs
In the period answered, the account value of the investment in capital account does not change, and at the time of the anniversary that gets day account value
With get in period between at the time of annuity gets request, the account value of the investment in capital account does not change, executes
S206, the annuity that investment in capital account needs are paid should lead annuity and tentative calculation annuity equal with investment in capital account.
When sampling account value and anniversary the day account value that comparison result is the investment in capital account are equal, the investment in capital account
Anniversary day account value and when unequal real account value, determine the sampling account value for getting the investment in capital account when
At the time of quarter with the anniversary of acquisition day account value in the corresponding period, the account value of the investment in capital account does not change, and
And it at the time of getting anniversary day account value and gets in period between at the time of annuity gets request, the investment account
The account value at family changes, and executes S206.
When comparison result be the investment in capital account sampling account value and the anniversary day account value it is unequal, the investment in capital account
Anniversary day account value it is equal with real account value when, judgement get the investment in capital account sample account value at the time of
At the time of with the anniversary of acquisition day account value in the corresponding period, the account value of the investment in capital account changes, and
At the time of getting anniversary day account value and get in period between at the time of annuity gets request, the investment in capital account
Account value does not change, at this point, according to the real account of investment in capital account value and the tentative calculation annuity of the investment in capital account
Comparison result determines and executes S207 or S208.
When comparison result be the investment in capital account sampling account value and the anniversary day account value it is unequal, the investment in capital account
Anniversary day account value and when unequal real account value, determine obtain sample account value at the time of with the anniversary of acquisition
At the time of day account value in the corresponding period, the account value of the investment in capital account changes, and in the anniversary of acquisition day
It at the time of account value and gets in period between at the time of annuity gets request, the account value of the investment in capital account occurs
Variation, at this point, determination is held according to the comparison result of the real account of investment in capital account value and the tentative calculation annuity of the investment in capital account
Row S207 or S208.
S206: the real account of annuity and the investment in capital account should be led to be worth according to the investment in capital account, clearing are simultaneously
Pay the annuity of the investment in capital account.
S206 in the present embodiment is identical as the S104 in a upper embodiment, referring specifically to S104 in a upper embodiment
Associated description does not repeat herein.
S207: when the real account of investment in capital account value is less than or equal to the tentative calculation annuity of the investment in capital account,
The annuity of investment in capital account described in nonperformance.
Server is when the real account value for determining the investment in capital account is less than or equal to the tentative calculation annuity of investment in capital account, no
Response gets request, the annuity of the nonperformance investment in capital account comprising the annuity of the investment in capital account.
S208: when the real account value of the investment in capital account is greater than the tentative calculation annuity of the investment in capital account, and the throwing
The real account value for providing account is greater than or equal to when should lead annuity of the investment in capital account, according to should leading for the investment in capital account
Annuity pays the annuity of the investment in capital account.
Server is greater than the tentative calculation annuity of investment in capital account, and investment in capital account in the real account value for determining the investment in capital account
Real account value be greater than or equal to when should lead annuity of investment in capital account, determine in server to get the pumping of the investment in capital account
The account value of the investment in capital account increases after sample account value and before the anniversary day, and gets the investment in server
After anniversary of account day account value, the account value of the investment in capital account increases, at this point, response includes the year of the investment in capital account
Golden collar takes request, and server deducts the amount of money of amount identical as that should lead annuity from the investment in capital account, will be with the investment in capital account
The amount of money of the identical amount of annuity should be led to pay the client of the investment in capital account.
Wherein, when the real account value of investment in capital account is greater than the tentative calculation annuity of investment in capital account, and the reality of investment in capital account
Account value is less than when should lead annuity of investment in capital account, the annuity of the nonperformance investment in capital account.
Optionally, it can also include server when sending the mark for the terminal that annuity gets request that current year golden collar, which takes request,
When successfully paying the annuity of the investment in capital account, the mark for getting the terminal for including in request according to transmission annuity is anti-to the terminal
Feedback is for indicating that annuity gets successful notification message；When not settling accounts the annuity of the investment in capital account, got according to annuity is sent
The mark for the terminal for including in request is fed back to the terminal for indicating that annuity gets the notification message of failure.
Optionally, can also include after S206 or S208 for the ease of verification annuity pickup information and error correction
S209: at the time of according to the sampling account value for obtaining each investment in capital account, anniversary of each investment in capital account is obtained
At the time of day annuity, the corresponding tentative calculation annuity of each investment in capital account, annuity, annuity should be led to get time and reality
The annuity of payment generates annuity and gets record.
Annuity get record in include acquisition investment in capital account sampling account value at the time of, obtain investment in capital account week
At the time of year day annuity, the tentative calculation annuity of investment in capital account, investment in capital account should lead annuity, the annuity of investment in capital account get the time with
And the annuity of the practical payment of investment in capital account these parameters are associated by investment in capital account, will pass through investment in capital account inquiry phase
Close information.
The embodiment of the present invention is insured in the declaration form by obtaining at the time of the anniversary day for the declaration form for reaching insurance
The anniversary day account value of investment in capital account, and annuity should be led according to anniversary day account value calculating investment in capital account, according to throwing
Money account should lead annuity and real account to be worth the annuity for settling accounts the investment in capital account.Since anniversary day account value is to arrive
Up to the declaration form of insurance anniversary day at the time of get, immediately the account value of investment in capital account changes on the day of the anniversary day
Nor affect on calculating investment in capital account should lead annuity, and when the account value of investment in capital account changes, business personnel is not needed
Determine that investment in capital account in the account value in anniversary day, improves annuity account settlement business treatment effeciency by rollback operation.
Server is not given when the real account value for determining investment in capital account is less than or equal to the tentative calculation annuity of investment in capital account
The case where paying the annuity of the investment in capital account, being greater than tentative calculation annuity to avoid the amount of money that client produces from investment in capital account generation, into
And economic loss caused by avoiding therefore.
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.
Referring to Fig. 3, Fig. 3 is a kind of structural block diagram for server that one embodiment of the invention provides, what server included
Each unit is used to execute each step in the corresponding embodiment of FIG. 1 to FIG. 2.Referring specifically to the corresponding reality of Fig. 1 and Fig. 2
Apply the associated description in example.For ease of description, only the parts related to this embodiment are shown.Referring to Fig. 3, server 3 is wrapped
It includes:
Anniversary day account value acquiring unit 310, at the time of the anniversary day for the declaration form for reaching insurance, described in acquisition
The anniversary day account value of the investment in capital account insured in declaration form；
Annuity computing unit 320 should be led, for the anniversary day account value and investment according to the investment in capital account
The annuity of account returns ratio, and calculate the investment in capital account should lead annuity；
Real account value capture unit 330 is got for obtaining the annuity when getting annuity and getting request and is asked
The real account for the investment in capital account for including in asking is worth；
Annuity clearing unit 340, for the reality that should lead annuity and the investment in capital account according to the investment in capital account
The annuity of the investment in capital account is settled accounts and paid to account value.
Further, annuity clearing unit 340 is specifically used for:
It is less than when should lead annuity of the investment in capital account when the real account of the investment in capital account is worth, is thrown described in nonperformance
Provide the annuity of account；
When the real account of investment in capital account value is greater than or equal to when should lead annuity of the investment in capital account, according to institute
State the annuity that annuity should be led to pay the investment in capital account of investment in capital account.
Optionally, server further include:
Sampling account value acquiring unit, for obtaining institute in the preset time period before the anniversary of the declaration form day
State the sampling account value of investment in capital account；
Tentative calculation annuity acquiring unit, for returning ratio and the investment in capital account according to the annuity of the investment in capital account
Sampling account value calculates the tentative calculation annuity of the investment in capital account；
Annuity clearing unit 340 is also used to:
When the real account of investment in capital account value is less than or equal to the tentative calculation annuity of the investment in capital account, nonperformance
The annuity of the investment in capital account；
When the real account value of the investment in capital account is greater than the tentative calculation annuity of the investment in capital account, and the investment in capital account
Real account value be greater than or equal to when should lead annuity of the investment in capital account, according to the investment in capital account should lead annuity to
Pay the annuity of the investment in capital account.
Optionally, server further include:
Notification unit, for sending notification information according to the contact method of the associated user of the investment in capital account；Wherein,
For the notification information for notifying user to get annuity, the notification information includes the corresponding anniversary day information of the investment in capital account
And the tentative calculation annuity of the investment in capital account.
Optionally, server can also include:
Recording unit at the time of for according to the sampling account value for obtaining each investment in capital account, obtains each institute
At the time of stating the anniversary day annuity of investment in capital account, the corresponding tentative calculation annuity of each investment in capital account, annuity, annuity should be led
The annuity generation annuity getting the time and actually paying gets record.
Referring to Fig. 4, Fig. 4 be another embodiment of the present invention provides a kind of server schematic diagram.As shown in figure 4, should
The server 4 of embodiment includes: processor 40, memory 41 and is stored in the memory 41 and can be in the processor
The computer program 42 run on 40, such as the control program of server.The processor 40 executes the computer program 42
Step in the annuity settlement method embodiment of the above-mentioned each insurance of Shi Shixian, such as S101 shown in FIG. 1 to S104.Alternatively,
The processor 40 realizes the function of each unit in the corresponding embodiment of above-mentioned Fig. 3 when executing the computer program 42, such as
The function of unit 310 to 340 shown in Fig. 3.
Illustratively, the computer program 42 can be divided into one or more units, one or more of
Unit is stored in the memory 41, and is executed by the processor 40, to complete the present invention.One or more of lists
Member can be the series of computation machine program instruction section that can complete specific function, and the instruction segment is for describing the computer journey
Implementation procedure of the sequence 42 in the server 4.For example, the computer program 42 can be divided into anniversary day account value
Acquiring unit should lead annuity computing unit, real account value capture unit, annuity clearing unit, sampling account value to obtain
Unit, tentative calculation annuity acquiring unit, notification unit and recording unit etc., each unit concrete function is as described above.
The server may include, but be not limited only to, processor 40, memory 41.It will be understood by those skilled in the art that
Fig. 4 is only the example of server 4, does not constitute the restriction to server 4, may include than illustrating more or fewer portions
Part perhaps combines certain components or different components, such as the server can also include input-output equipment, network
Access device, bus etc..
Alleged processor 40 can be central processing unit (Central Processing Unit, CPU), can also be
Other general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processor
Deng.
The memory 41 can be the internal storage unit of the server 4, such as the hard disk or memory of server 4.
The memory 41 is also possible to the External memory equipment of the server 4, such as the plug-in type being equipped on the server 4 is hard
Disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card
(Flash Card) etc..Further, the memory 41 can also both include the internal storage unit of the server 4 or wrap
Include External memory equipment.The memory 41 is for other programs needed for storing the computer program and the server
And data.The memory 41 can be also used for temporarily storing the data that has exported or will export.
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 annuity settlement method of insurance characterized by comprising
At the time of the anniversary day for the declaration form for reaching insurance, the anniversary day account valence of the investment in capital account insured in the declaration form is obtained
Value；
Ratio is returned according to the annuity of the anniversary of the investment in capital account day account value and the investment in capital account, calculates the throwing
Money account should lead annuity；
When getting annuity and getting request, the real account valence that the annuity gets the investment in capital account for including in request is obtained
Value；
The real account of annuity and the investment in capital account should be led to be worth according to the investment in capital account, settle accounts and pay the throwing
Provide the annuity of account.
2. the annuity settlement method of insurance according to claim 1, which is characterized in that described according to the investment in capital account
The real account of annuity and the investment in capital account should be led to be worth, settle accounts and pay the annuity of the investment in capital account, comprising:
It is less than when should lead annuity of the investment in capital account when the real account of the investment in capital account is worth, invests account described in nonperformance
The annuity at family；
When the real account of investment in capital account value is greater than or equal to when should lead annuity of the investment in capital account, according to the throwing
Provide the annuity that annuity should be led to pay the investment in capital account of account.
3. the annuity settlement method of insurance according to claim 1, which is characterized in that
At the time of the anniversary day of the declaration form in arrival insurance, the anniversary day account of the investment in capital account insured in the declaration form is obtained
Before the value of family, further includes:
In preset time period before the anniversary day of the declaration form, the sampling account value of the investment in capital account is obtained；
The investment is calculated according to the sampling account value that the annuity of the investment in capital account returns ratio and the investment in capital account
The tentative calculation annuity of account；
It is described when getting annuity and getting request, obtain the real account that the annuity gets the investment in capital account for including in request
After value, further includes:
When the real account of investment in capital account value is less than or equal to the tentative calculation annuity of the investment in capital account, described in nonperformance
The annuity of investment in capital account；
When the real account value of the investment in capital account is greater than the tentative calculation annuity of the investment in capital account, and the reality of the investment in capital account
Border account value is greater than or equal to when should lead annuity of the investment in capital account, annuity should be led to pay institute according to the investment in capital account
State the annuity of investment in capital account.
4. the annuity settlement method of insurance according to claim 3, which is characterized in that described according to the investment in capital account
After the sampling account value of annuity return ratio and the investment in capital account calculates the tentative calculation annuity of the investment in capital account, also wrap
It includes:
Notification information is sent according to the contact method of the associated user of the investment in capital account；Wherein, the notification information is used for
User is notified to get annuity, the notification information includes the corresponding anniversary day information of the investment in capital account and the investment in capital account
Tentative calculation annuity.
5. the annuity settlement method of insurance according to claim 3 or 4, which is characterized in that described according to the investment account
Family should lead the real account of annuity and the investment in capital account to be worth, after the annuity for settling accounts and paying the investment in capital account,
Further include:
At the time of according to the sampling account value for obtaining each investment in capital account, obtain anniversary day of each investment in capital account
At the time of annuity, the corresponding tentative calculation annuity of each investment in capital account, should lead annuity, annuity get the time and actually to
The annuity paid generates annuity and gets record.
6. a kind of server, which is characterized in that the server includes memory, processor and stores in the memory
And the computer program that can be run on the processor, the processor realize following step when executing the computer program
It is rapid:
At the time of the anniversary day for the declaration form for reaching insurance, the anniversary day account valence of the investment in capital account insured in the declaration form is obtained
Value；
Ratio is returned according to the annuity of the anniversary of the investment in capital account day account value and the investment in capital account, calculates the throwing
Money account should lead annuity；
When getting annuity and getting request, the real account valence that the annuity gets the investment in capital account for including in request is obtained
Value；
The real account of annuity and the investment in capital account should be led to be worth according to the investment in capital account, settle accounts and pay the throwing
Provide the annuity of account.
7. server according to claim 6, which is characterized in that it is described according to the investment in capital account should lead annuity and
The real account of the investment in capital account is worth, and settles accounts and pay the annuity of the investment in capital account, comprising:
It is less than when should lead annuity of the investment in capital account when the real account of the investment in capital account is worth, invests account described in nonperformance
The annuity at family；
When the real account of investment in capital account value is greater than or equal to when should lead annuity of the investment in capital account, according to the throwing
Provide the annuity that annuity should be led to pay the investment in capital account of account.
8. server according to claim 6, which is characterized in that anniversary day in the declaration form for reaching insurance when
It carves, obtains the anniversary of the investment in capital account insured in the declaration form before day account value, the processor executes the computer
Following steps are also realized when program:
In preset time period before the anniversary day of the declaration form, the sampling account value of the investment in capital account is obtained；
The investment is calculated according to the sampling account value that the annuity of the investment in capital account returns ratio and the investment in capital account
The tentative calculation annuity of account；
It is described when getting annuity and getting request, obtain the real account that the annuity gets the investment in capital account for including in request
After value, the processor also realizes following steps when executing the computer program:
When the real account of investment in capital account value is less than or equal to the tentative calculation annuity of the investment in capital account, described in nonperformance
The annuity of investment in capital account；
When the real account value of the investment in capital account is greater than the tentative calculation annuity of the investment in capital account, and the reality of the investment in capital account
Border account value is greater than or equal to when should lead annuity of the investment in capital account, annuity should be led to pay institute according to the investment in capital account
State the annuity of investment in capital account.
9. server according to claim 8, which is characterized in that described to return ratio according to the annuity of the investment in capital account
And after the sampling account value of the investment in capital account calculates the tentative calculation annuity of the investment in capital account, the processor executes institute
Following steps are also realized when stating computer program:
Notification information is sent according to the contact method of the associated user of the investment in capital account；Wherein, the notification information is used for
User is notified to get annuity, the notification information includes the corresponding anniversary day information of the investment in capital account and the investment in capital account
Tentative calculation annuity.
10. a kind of computer readable storage medium, the computer-readable recording medium storage has computer program, and feature exists
In when the computer program is executed by processor the step of any one of such as claim 1 to 5 of realization the method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810598109.8A CN108985945A (en) | 2018-06-12 | 2018-06-12 | A kind of the annuity settlement method and server of insurance |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810598109.8A CN108985945A (en) | 2018-06-12 | 2018-06-12 | A kind of the annuity settlement method and server of insurance |
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| CN108985945A true CN108985945A (en) | 2018-12-11 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201810598109.8A Pending CN108985945A (en) | 2018-06-12 | 2018-06-12 | A kind of the annuity settlement method and server of insurance |
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Cited By (1)
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| CN110473112A (en) * | 2019-07-05 | 2019-11-19 | 中国平安人寿保险股份有限公司 | A kind of resource data acquisition methods, device, readable storage medium storing program for executing and terminal device |
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