CN109118375A - It insures processing method, device, medium and electronic equipment - Google Patents
It insures processing method, device, medium and electronic equipment Download PDFInfo
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- CN109118375A CN109118375A CN201810917336.2A CN201810917336A CN109118375A CN 109118375 A CN109118375 A CN 109118375A CN 201810917336 A CN201810917336 A CN 201810917336A CN 109118375 A CN109118375 A CN 109118375A
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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Abstract
It insures processing method, device, medium and electronic equipment the embodiment of the invention provides one kind, which includes: to obtain the information of insuring of user；Information of insuring based on the user carries out pre- core guarantor processing；It determines the need for insuring to the target user that pre- core guarantor passes through；If it is determined that needing to insure to the target user, then the information of insuring based on the target user generates declaration form.Core guarantor's process is advanced to before user insures by the technical solution of the embodiment of the present invention in such a way that pre- core is protected, and is shortened the period of user's declaration form from insuring obtaining, is accelerated the treatment effeciency of the short-term high frequency insurance coverage of needs, the user experience is improved.
Description
Technical field
The present invention relates to field of computer technology, insure processing method, device, medium and electricity in particular to one kind
Sub- equipment.
Background technique
With internet insure quick emergence, declaration form exchange hand quickly increase and adjuster function it is perfect,
The core of user protects process and becomes increasingly complex time-consuming.Currently, user initiate insure after, insurance company need according to underwriting conditions to
Family insure information and history Claims Resolution data analyzed, to judge the insurable risk of user, and then decide whether to accept insurance.Due to
It is sufficiently complex that above-mentioned core protects process, therefore user needs to wait longer time that can obtain declaration form after insuring, this is not
The experience for only affecting user leads to customer churn on a large amount of line, and limits the development of short-term high frequency insurance coverage.
It should be noted that information is only used for reinforcing the reason to background of the invention disclosed in above-mentioned background technology part
Solution, therefore may include the information not constituted to the prior art known to persons of ordinary skill in the art.
Summary of the invention
The one kind that is designed to provide of the embodiment of the present invention is insured processing method, device, medium and electronic equipment, Jin Erzhi
It is few to overcome the problems, such as that user needs to wait the long period that obtain declaration form after insuring to a certain extent.
Other characteristics and advantages of the invention will be apparent from by the following detailed description, or partially by the present invention
Practice and acquistion.
According to a first aspect of the embodiments of the present invention, it provides one kind to insure processing method, comprising: obtain insuring for user
Information；Information of insuring based on the user carries out pre- core guarantor processing；It determines the need for protecting the target user passed through to pre- core
It insures；If it is determined that needing to insure to the target user, then the information of insuring based on the target user, which generates, protects
It is single.
In some embodiments of the invention, aforementioned schemes are based on, it is determined whether need to protect pre- core the target passed through and use
It insures at family, comprising: judge whether current time meets the regular plan of insuring of the target user；If current time meets
The periodically plan of insuring, it is determined that needs insure to the target user.
In some embodiments of the invention, aforementioned schemes are based on, are determining the need for protecting the target passed through to pre- core
Before user insures, the processing method of insuring further include: according to the information of insuring of the target user, generate and be directed to institute
State the regular plan of insuring of target user；The regular plan of insuring of generation is pushed to the target user to select；Record
The regular plan of insuring of target user's selection, determines whether to need with the regular plan of insuring selected based on the target user
It to insure to the target user.
In some embodiments of the invention, aforementioned schemes are based on, according to the information of insuring of the target user, generate needle
The regular plan of insuring to the target user, comprising: according to the information of insuring of the target user, determine the target user
Risk class；Based on the risk class of the target user, determines and periodically insure the period for what the target user formulated；
It is periodically insured the period according to described, determines the insurance products that the target user is suitble to；According to period and the institute of periodically insuring
Insurance products are stated, the regular plan of insuring for being directed to the target user is generated.
In some embodiments of the invention, aforementioned schemes are based on, in the information of insuring according to the target user, are generated
Before the plan of periodically insuring of the target user, the processing method of insuring further include: receive target user's hair
The regular plan of insuring sent；The regular plan of insuring sent to the target user is audited；If sending out the target user
The audit fails for the periodically plan of insuring sent, then according to the information of insuring of the target user, generates and be directed to the target user
The regular plan of insuring.
In some embodiments of the invention, aforementioned schemes are based on, if the meter of periodically insuring sent to the target user
It draws audit to pass through, then records the regular plan of insuring that the target user sends, it is regular to be sent based on the target user
The plan of insuring determines the need for insuring to the target user.
In some embodiments of the invention, aforementioned schemes are based on, it is determined whether need to protect pre- core the target passed through and use
It insures at family, comprising: detect whether to receive the instruction of insuring of target user's triggering；If receiving the target user
The instruction of insuring of triggering, it is determined that needs insure to the target user.
In some embodiments of the invention, aforementioned schemes are based on, before the information of insuring for obtaining the user, are insured
Processing method further include: obtain the contract application protected for pre- core that user submits, include signing letter in the contract application
Breath；The contract application is audited based on the signing information；If passing through to contract application audit, described in acquisition
The information of insuring of user.
In some embodiments of the invention, the information of insuring of user is obtained, comprising: obtain the user is belonged to
The information of insuring that tripartite's land period is sent.
According to a second aspect of the embodiments of the present invention, it provides one kind to insure processing unit, comprising: acquiring unit is used for
Obtain the information of insuring of user；Pre- core protects processing unit, carries out pre- core guarantor processing for the information of insuring based on the user；Really
Order member is used to determine whether to need to protect the target user passed through to pre- core to insure；It insures processing unit, for described
When determination unit determines that needs insure to the target user, the information of insuring based on the target user generates declaration form.
In some embodiments of the invention, aforementioned schemes are based on, the determination unit, which is configured that, judges that current time is
The no regular plan of insuring for meeting the target user；If current time meets the periodically plan of insuring, it is determined that needs pair
The target user insures.
In some embodiments of the invention, aforementioned schemes, the processing unit of insuring are based on further include: generation unit,
For the information of insuring according to the target user, the regular plan of insuring for being directed to the target user is generated；Push unit is used
The target user is pushed in the regular plan of insuring that will be generated to select；Recording unit is used for recording the target
The regular plan of insuring of family selection, is determined the need for the regular plan of insuring selected based on the target user to the mesh
Mark user insures.
In some embodiments of the invention, aforementioned schemes are based on, the generation unit is configured that be used according to the target
The information of insuring at family, determines the risk class of the target user；Based on the risk class of the target user, determines and be directed to institute
State periodically insuring the period for target user's formulation；It is periodically insured the period according to described, determines the insurance that the target user is suitble to
Product；According to periodically insure period and the insurance products, the regular plan of insuring for being directed to the target user is generated.
In some embodiments of the invention, aforementioned schemes, the processing unit of insuring are based on further include: receiving unit,
The regular plan of insuring sent for receiving the target user；Unit is audited, it is regular for being sent to the target user
The plan of insuring is audited；The generation unit, which is configured that, periodically insures plan audit not what is sent to the target user
By when, according to the information of insuring of the target user, generate the regular plan of insuring for being directed to the target user.
In some embodiments of the invention, aforementioned schemes are based on, the target is used if the recording unit is configured that
The periodically plan of insuring that family is sent, which is audited, to be passed through, then the regular plan of insuring that the target user sends is recorded, based on described
The regular plan of insuring that target user sends determines the need for insuring to the target user.
In some embodiments of the invention, aforementioned schemes are based on, the determination unit, which is configured that, to be detected whether to receive
The instruction of insuring of target user's triggering；If receiving the instruction of insuring of target user's triggering, it is determined that need to institute
Target user is stated to insure.
In some embodiments of the invention, aforementioned schemes are based on, the acquiring unit is also used to: obtain what user submitted
It include signing information in the contract application for the contract application that pre- core is protected；Based on the signing information to the signing
Application is audited；After passing through to contract application audit, the information of insuring of the user is obtained.
In some embodiments of the invention, the acquiring unit, which is configured that, obtains the third party that the user is belonged to
The information of insuring that land period is sent.
According to a third aspect of the embodiments of the present invention, a kind of computer-readable medium is provided, computer is stored thereon with
Program realizes the processing method of insuring as described in first aspect in above-described embodiment when described program is executed by processor.
According to a fourth aspect of the embodiments of the present invention, a kind of electronic equipment is provided, comprising: one or more processors；
Storage device, for storing one or more programs, when one or more of programs are held by one or more of processors
When row, so that one or more of processors realize the processing method of insuring as described in first aspect in above-described embodiment.
Technical solution provided in an embodiment of the present invention can include the following benefits:
In the technical solution provided by some embodiments of the present invention, pre- core is carried out by the information of insuring based on user
Guarantor's processing is protected so that when needing the target user passed through to pre- core guarantor to insure, the information of insuring based on target user is generated
It is single, make it possible to for core guarantor's process being advanced to before user insures, and then insure needing to protect the user passed through to pre- core
When, the information of insuring for being directly based upon user generates declaration form, effectively shortens the period of user's declaration form from insuring to obtaining, not only mentions
The high experience of user, and may advantageously facilitate the development of short-term high frequency insurance coverage.
It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not
It can the limitation present invention.
Detailed description of the invention
The drawings herein are incorporated into the specification and forms part of this specification, and shows and meets implementation of the invention
Example, and be used to explain the principle of the present invention together with specification.It should be evident that the accompanying drawings in the following description is only the present invention
Some embodiments for those of ordinary skill in the art without creative efforts, can also basis
These attached drawings obtain other attached drawings.In the accompanying drawings:
Fig. 1 diagrammatically illustrates the flow chart of processing method according to an embodiment of the invention of insuring；
Fig. 2 diagrammatically illustrates the target according to an embodiment of the invention for determining the need for passing through pre- core guarantor
The method flow diagram that user insures；
Fig. 3 diagrammatically illustrates determination according to an embodiment of the invention and periodically insures the method flow diagram of plan；
Fig. 4 diagrammatically illustrates determination according to another embodiment of the invention and periodically insures the method flow of plan
Figure；
Fig. 5 diagrammatically illustrates the regular plan of insuring according to an embodiment of the invention for generating and being directed to target user
Method flow diagram；
Fig. 6 diagrammatically illustrates the mesh for determining the need for passing through pre- core guarantor according to another embodiment of the invention
The method flow diagram that mark user insures；
Fig. 7 diagrammatically illustrates the flow chart of processing method according to an embodiment of the invention of insuring；
Fig. 8 shows processing method according to an embodiment of the invention of insuring and applies in user's purchase term insurance field
Flow chart in scape；
Fig. 9 diagrammatically illustrates the block diagram of processing unit according to an embodiment of the invention of insuring；
Figure 10 shows the structural schematic diagram for being suitable for the computer system for the electronic equipment for being used to realize the embodiment of the present invention.
Specific embodiment
Example embodiment is described more fully with reference to the drawings.However, example embodiment can be with a variety of shapes
Formula is implemented, and is not understood as limited to example set forth herein；On the contrary, thesing embodiments are provided so that the present invention will more
Fully and completely, and by the design of example embodiment comprehensively it is communicated to those skilled in the art.
In addition, described feature, structure or characteristic can be incorporated in one or more implementations in any suitable manner
In example.In the following description, many details are provided to provide and fully understand to the embodiment of the present invention.However,
It will be appreciated by persons skilled in the art that technical solution of the present invention can be practiced without one or more in specific detail,
Or it can be using other methods, constituent element, device, step etc..In other cases, it is not shown in detail or describes known side
Method, device, realization or operation are to avoid fuzzy each aspect of the present invention.
Block diagram shown in the drawings is only functional entity, not necessarily must be corresponding with physically separate entity.
I.e., it is possible to realize these functional entitys using software form, or realized in one or more hardware modules or integrated circuit
These functional entitys, or these functional entitys are realized in heterogeneous networks and/or processor device and/or microcontroller device.
Flow chart shown in the drawings is merely illustrative, it is not necessary to including all content and operation/step,
It is not required to execute by described sequence.For example, some operation/steps can also decompose, and some operation/steps can close
And or part merge, therefore the sequence actually executed is possible to change according to the actual situation.
Fig. 1 diagrammatically illustrates the flow chart of processing method according to an embodiment of the invention of insuring.The place of insuring
The executing subject of reason method can be the server etc. of insurance company.
Shown in referring to Fig.1, processing method according to an embodiment of the invention of insuring, including step S110 is to step
S140 is described in detail as follows:
In step s 110, the information of insuring of user is obtained.
In one embodiment of the invention, the information of insuring of acquisition can be third-party platform that user is belonged to guarantor
The information of insuring that dangerous company's land period is sent.For example, user can be the take-away dispatching person of take-away platform, then should
Platform can (the scheduled period can be fixed, such as one week, one month etc. according to the scheduled period for take-away；This is predetermined
Period be also possible to variation, such as the scheduled period can be determined according to the information update frequency for taking out dispatching person)
The information for the take-away dispatching person for needing to insure is sent to insurance company.In other embodiments of the invention, third-party platform is also
It can be the platform that express company etc. needs to insure to multiple users.
In one embodiment of the invention, the information of insuring of acquisition is also possible to utilize use acquired in block chain network
Family information.For example, can construct block chain network between insurance company and third-party platform, third-party platform can be in block chain
The information of insuring of user is stored in network, and then insurance company can obtain the information of insuring of user from the block chain network.
In one embodiment of the invention, the information of insuring of acquisition can also be the information of insuring that user submits,
Or the information etc. got in the data of insurance or in other related datas is bought from user according to big data analysis technology.
For example, user once bought car insurance, then the information of insuring of user can be extracted from the car insurance that user buys.
In the step s 120, the information of insuring based on the user carries out pre- core guarantor processing.
In one embodiment of the invention, pre- core guarantor processing may include following combination any one or more:
Big data analysis is carried out with the presence or absence of the credit system verified in blacklist, audit user, to user information to user
To determine the risk class of user, carry out pre- core guarantor processing, based on block chain wind to user by normal risk Controlling model
Dangerous Controlling model to carry out user pre- core guarantor processing etc..For example, can be only with normal risk model to the information of insuring of user
Carry out pre- core guarantor processing, can also with two methods of big data analysis and normal risk Controlling model to user insure information into
The pre- core guarantor processing of row.
In step s 130, it is determined whether need to protect the target user passed through to pre- core and insure.
In one embodiment of the invention, according to an embodiment of the invention to determine whether to need referring to shown in Fig. 2
The method that the target user passed through insures is protected to pre- core, comprising:
Step S210, judges whether current time meets the regular plan of insuring of the target user.
In one embodiment of the invention, the periodically plan of insuring can be user and formulate and contracted in the past
The plan of insuring, be also possible to the regular plan of insuring that user increases newly.
Step S220, if current time meets the periodically plan of insuring, it is determined that need to carry out the target user
It insures.
The technical solution of embodiment illustrated in fig. 2 makes it possible to insure to user based on the periodically plan of insuring, such as
It, can for the insurance products of short-term high frequency, such as short-term (the one day or one week) insurance products of courier, take-away dispatching person
With every other day or one week insures to trigger.
It for the above-mentioned regular plan of insuring, can be what insurance company generated to user, be also possible to user oneself system
Fixed.If the periodically plan of insuring is that user is self-ordained, insurance company needs to audit periodically insuring for user's formulation
Plan, and only user oneself can be just used after the plan audit of periodically insuring that insurance company formulates user passes through
The regular plan of insuring formulated, detailed description are as follows for above procedure:
Referring to shown in Fig. 3, determination according to an embodiment of the invention is periodically insured the method for plan, comprising:
Step S310 receives the regular plan of insuring that target user sends.
In one embodiment of the invention, the regular plan of insuring that target user sends can be target user oneself system
The fixed plan of insuring is also possible to the plan of insuring that target user voluntarily selects on the website of insurance company.
Step S320, the regular plan of insuring sent to the target user are audited.
In one embodiment of the invention, the regular plan of insuring sent to target user carries out auditing can be being based on
Whether the regular plan of insuring of the signal auditing of the target user is reasonable, such as with the presence or absence of risk etc..
Step S330 records the target and uses if passing through to the plan audit of periodically insuring that the target user sends
The regular plan of insuring that family is sent, to be determined the need for based on the regular plan of insuring that the target user sends to the mesh
Mark user insures.
The processing scheme shown in Fig. 3 for periodically insuring plan allows users to meter of periodically insuring required for independently selecting
It draws, improves the flexibility for formulating plan of periodically insuring.
Determination shown in Fig. 3 periodically insure plan method on the basis of, as shown in figure 4, can also include:
Step S340, if to target user send periodically insure plan the audit fails, according to the target user
Information of insuring, generate be directed to the target user the regular plan of insuring.
The technical solution of the embodiment prevent user independently formulate periodically insure plan from audit by when, can be with
Insuring information and automatically generate the regular plan of insuring according to user.
In one embodiment of the invention, it according to the information of insuring of target user, generates for the regular of target user
The process of plan of insuring can be as shown in Figure 5, comprising the following steps:
Step S510 determines the risk class of the target user according to the information of insuring of target user.
In one embodiment of the invention, can according to user whether there is in blacklist, the credit system of user,
Big data analysis is carried out to user information, user information is analyzed by normal risk Controlling model, based on block chain wind
Dangerous Controlling model carries out a kind of method such as analyzing to user information or a variety of methods combine the risk class of determining target user.
Step S520 determines the regular throwing formulated for the target user based on the risk class of the target user
Protect the period.
In one embodiment of the invention, for example the risk class of user is lower, then can formulate shorter regular throwing
Protect the period (if the guarantee time limit for assuming to insure is 1 day, then the period of periodically insuring can be 1 day, i.e., it is all daily user's throwing
Protect), to guarantee that the lower user of risk class enjoys preferably insurance service；And user higher for risk class, then
Longer periodically insure the period (if the guarantee time limit for assuming to insure is 1 day, then the period of periodically insuring can be 1 can be formulated
Week is only that user insures 1 day weekly), to avoid relatively frequently for the higher user of risk class insures and causes insurance public
The loss of department.
Step S530 periodically insures the period according to described, determines the insurance products that the target user is suitble to.
In one embodiment of the invention, the different periods of periodically insuring corresponds to different insurance products, therefore can
Periodically to insure the period according to determining and determine insurance products that user is suitble to.
Step S540 is generated and is determined for the target user according to periodically insure period and the insurance products
The phase plan of insuring.
The technical solution of embodiment illustrated in fig. 5 makes it possible to the information of insuring according to user, generates from trend user regular
The plan of insuring.Wherein it is possible to which the information of insuring according to user generates one or more periodically plans of insuring, and by one of generation
Or multiple periodically plans of insuring are pushed to user and carry out selection confirmation, in order to which regular insure selected according to user is planned come really
It is fixed whether to need to insure to user.
In another embodiment of the present invention, referring to shown in Fig. 6, determination according to another embodiment of the invention is
It is no to need to protect the method that the target user that passes through insures, including step S610 and step S620 to pre- core, be discussed in detail as
Under:
In step S610, the instruction of insuring for receiving target user's triggering is detected whether.
In one embodiment of the invention, target user can trigger instruction of insuring by channel platform of insuring, such as
Express company's platform, take-away company's platform for cooperating with insurance company etc.；In other embodiments of the invention, target user
Instruction of insuring can be triggered by platforms such as cell phone clients, computer client, webpage that insurance company sets up.
In step S620, if receiving the instruction of insuring of target user's triggering, it is determined that need to the target
User insures.
The technical solution of embodiment illustrated in fig. 6 makes it possible to be determined the need for according to the triggering command of user to user
It insures, and then the opportunity insured neatly is selected according to the actual needs of oneself convenient for user.
With continued reference to shown in Fig. 1, in step S140, however, it is determined that needs insure to the target user, then are based on
The information of insuring of the target user generates declaration form.
It in one embodiment of the invention, can be to target after the information of insuring based on target user generates declaration form
User returns the policy information of underwriting information and/or generation, in order to which the target user checks.
Fig. 1 to Fig. 6 describes the processing scheme of insuring of the embodiment of the present invention in detail, in one embodiment of the invention,
Based on processing scheme of insuring described in previous embodiment, referring to shown in Fig. 7, place of insuring according to another embodiment of the invention
Reason method includes the following steps S710, step S720 and step S730, and detailed description are as follows:
In step S710, the contract application protected for pre- core that user submits is obtained, includes in the contract application
Signing information.
In one embodiment of the invention, the contract application protected for pre- core
It can be and submit together when the disposable insurance of user's purchase, be also possible to mention together when user buys term insurance
It hands over, can also be the contract application that user individually submits.The validity period of contract application can be permanent, be also possible to one
It is effective in a term insurance timeliness.
In step S720, the contract application is audited based on the signing information.
In one embodiment of the invention, whether the process audited to contract application can be the audit signing time limit
Meet condition, whether audit contractor has signing qualification etc..
In step S730, after passing through to contract application audit, the information of insuring of the user is obtained.
In an embodiment of the present invention, when get user insure information after, each step shown in FIG. 1 can be executed
Suddenly.
The technical solution of the above embodiment of the present invention makes it possible to for core guarantor's process being advanced to before user insures, Jin Er
When the user passed through to pre- core guarantor being needed to insure, the information of insuring for being directly based upon user generates declaration form, effectively shortens use
In the period of family declaration form from insuring to obtaining, improve the experience of user.
Below in conjunction with Fig. 8, for buying the scene of term insurance to user, to the technical solution of the embodiment of the present invention
Realize that details is described in detail:
In a concrete application scene of the invention, as shown in figure 8, the term insurance of embodiment according to the present invention
It insures processing method, comprises the following processes S810 to process S830, detailed description are as follows:
In process S810, user's signing and determines and fixed throw plan (determine throwing plan as periodically insure plan).
In one embodiment of the invention, user's contract and determine process of throwing plan can specifically include: user
(user can be insurer) (i.e. third-party platform, such as express company's platform take out company's platform by channel platform of insuring
Deng) customization or selection insurance products and to insurance company apply contract.Insurance company audits contract application rear line and returns to label
About result.Wherein, if signing is the result is that contract successfully, channel platform of insuring collects the information of insuring of contracted user.Meanwhile if
It contracts successfully, then insurance company can be according to signing information (insurance products, user's surname including user's selection between user
The information such as name, user certificate) determine that fixed throw is planned.
In one embodiment of the invention, if the audit fails (i.e. signing failure), insurance company can according to
The Automatic generation of information at family throws plan surely, and is pushed to user and selects.Specifically, for example insurance company can be according to user
Information determine the risk class of user, then thrown surely the period according to the determination of the risk class of user, and true according to the fixed throwing period
Fixed suitable insurance products finally determine that (mistake is not shown in the fixed plan of throwing in Fig. 8 according to insurance products and the throwing period of determining determined
Journey).
In process S820, pre- core guarantor is carried out to contracted user.
In one embodiment of the invention, the process for carrying out pre- core guarantor to contracted user may include: that channel of insuring is flat
Platform summarizes the information of insuring (including insurer's information, warrantee's information, beneficiary's information etc.) of contracted user, and is committed to guarantor
Dangerous company.Insurance company will start pre- core and protect Pending tasks, be based on pre- core after receiving the information of insuring of contracted user
Pending tasks are protected to carry out pre- core guarantor processing to user.In one embodiment of the invention, insurance company uses blacklist body
The modes such as system, credit system, big data analysis, normal risk Controlling model, block chain risk control model are come based on user's
Information of insuring carries out pre- core guarantor processing, and the information of insuring that pre- core protects the user passed through is put into pre- pending library of accepting insurance.
In one embodiment of the invention, if pre- core guarantor does not pass through, insurance company can be logical to channel platform of insuring
Know that pre- core protects state, i.e., pre- core guarantor does not pass through, but also can inform that pre- core protects unsanctioned reason, so as to channel platform of insuring
Inform user.
In process S830, result is protected according to pre- core and is thrown calmly and plans periodically to go out list.
In one embodiment of the invention, result protected according to pre- core and determines throwing plan and periodically go out single process to can wrap
Include: channel platform of insuring according to throwing plan is determined, temporally throw surely by clocked flip.Insurance company is according to the throwing in pending library of accepting insurance in advance
Protect whether the above-mentioned triggering of validation of information meets single plan of contracting out, if meeting single plan of contracting out, the Dan Bingxiang that accepts insurance out insures
Channel platform returns underwriting information, and the policy information of underwriting information and/or generation is sent to insure channel platform to user.
In one embodiment of the invention, single without accepting insurance out if information of insuring is unsatisfactory for single plan of contracting out
The step of.
In addition, in another embodiment of the present invention, after pre- core guarantor passes through, insurance company can count according to fixed throwing
It draws periodically to go out list, without the clocked flip according to channel platform of insuring come single out.
The technical solution of the above embodiment of the present invention makes user after pre- core guarantor, subsequent to be planned automatically according to fixed throwing
List of accepting insurance out is triggered, avoids and repeatedly inputs information, repeats the process that core is protected, shortens the time that user obtains declaration form, promotion
User experience.
The device of the invention embodiment introduced below can be used for executing the above-mentioned processing method of insuring of the present invention.
Fig. 9 diagrammatically illustrates the block diagram of processing unit according to an embodiment of the invention of insuring, the processing unit
It can be applied to processing of insuring.
Referring to shown in Fig. 9, processing unit 900 according to an embodiment of the invention of insuring, comprising: acquiring unit 901,
Pre- core protects processing unit 902, determination unit 903 and processing unit 904 of insuring.
Wherein, acquiring unit 901 is used to obtain the information of insuring of user；Pre- core is protected processing unit 902 and is used for based on described
The information of insuring of user carries out pre- core guarantor processing；Determination unit 903 is used to determine whether that needing to protect pre- core the target passed through uses
It insures at family；Processing unit 904 of insuring is used for when the determination unit determines that needs insure to the target user,
Information of insuring based on the target user generates declaration form.
In some embodiments of the invention, aforementioned schemes are based on, determination unit 903, which is configured that, judges that current time is
The no regular plan of insuring for meeting the target user；If current time meets the periodically plan of insuring, it is determined that needs pair
The target user insures.
In some embodiments of the invention, aforementioned schemes, processing unit of insuring 900 are based on further include: generation unit is used
In the information of insuring according to the target user, the regular plan of insuring for being directed to the target user is generated；Push unit is used for
The regular plan of insuring of generation is pushed to the target user to select；Recording unit, for recording the target user
The regular plan of insuring of selection, is determined the need for the regular plan of insuring selected based on the target user to the target
User insures.
In some embodiments of the invention, aforementioned schemes are based on, the generation unit is configured that be used according to the target
The information of insuring at family, determines the risk class of the target user；Based on the risk class of the target user, determines and be directed to institute
State periodically insuring the period for target user's formulation；It is periodically insured the period according to described, determines the insurance that the target user is suitble to
Product；According to periodically insure period and the insurance products, the regular plan of insuring for being directed to the target user is generated.
In some embodiments of the invention, aforementioned schemes, processing unit of insuring 900 are based on further include: receiving unit is used
In the regular plan of insuring for receiving target user's transmission；Audit unit, the regular throwing for sending to the target user
Guarantor's plan is audited；The generation unit is configured that does not lead to the plan audit of periodically insuring that the target user sends
It is out-of-date, according to the information of insuring of the target user, generate the regular plan of insuring for being directed to the target user.
In some embodiments of the invention, aforementioned schemes are based on, the target is used if the recording unit is configured that
The periodically plan of insuring that family is sent, which is audited, to be passed through, then the regular plan of insuring that the target user sends is recorded, based on described
The regular plan of insuring that target user sends determines the need for insuring to the target user.
In some embodiments of the invention, aforementioned schemes are based on, determination unit 903, which is configured that, to be detected whether to receive
The instruction of insuring of target user's triggering；If receiving the instruction of insuring of target user's triggering, it is determined that need to institute
Target user is stated to insure.
In some embodiments of the invention, aforementioned schemes are based on, acquiring unit 901 is also used to: obtain what user submitted
It include signing information in the contract application for the contract application that pre- core is protected；Based on the signing information to the signing
Application is audited；If passing through to contract application audit, the information of insuring of the user is obtained.
In some embodiments of the invention, acquiring unit 901 is configured that obtaining the third party that the user is belonged to puts down
The information of insuring of platform periodicity sending.
Due to each functional module and above-mentioned processing method of insuring of the processing unit of insuring of example embodiments of the present invention
Example embodiment the step of it is corresponding, therefore for undisclosed details in apparatus of the present invention embodiment, please refer in the present invention
The embodiment for the processing method of insuring stated.
Below with reference to Figure 10, it illustrates the computer systems for the electronic equipment for being suitable for being used to realize the embodiment of the present invention
1000 structural schematic diagram.The computer system 1000 of electronic equipment shown in Figure 10 is only an example, should not be to the present invention
The function and use scope of embodiment bring any restrictions.
As shown in Figure 10, computer system 1000 include central processing unit (CPU) 1001, can according to be stored in only
It reads the program in memory (ROM) 1002 or is loaded into random access storage device (RAM) 1003 from storage section 1008
Program and execute various movements appropriate and processing.In RAM 1003, be also stored with various programs needed for system operatio and
Data.CPU 1001, ROM 1002 and RAM 1003 are connected with each other by bus 1004.Input/output (I/O) interface 1005
It is also connected to bus 1004.
I/O interface 1005 is connected to lower component: the importation 1006 including keyboard, mouse etc.；Including such as cathode
The output par, c 1007 of ray tube (CRT), liquid crystal display (LCD) etc. and loudspeaker etc.；Storage section including hard disk etc.
1008；And the communications portion 1009 of the network interface card including LAN card, modem etc..Communications portion 1009 passes through
Communication process is executed by the network of such as internet.Driver 1010 is also connected to I/O interface 1005 as needed.It is detachable to be situated between
Matter 1011, such as disk, CD, magneto-optic disk, semiconductor memory etc. are mounted on as needed on driver 1010, so as to
In being mounted into storage section 1008 as needed from the computer program read thereon.
Particularly, according to an embodiment of the invention, may be implemented as computer above with reference to the process of flow chart description
Software program.For example, the embodiment of the present invention includes a kind of computer program product comprising be carried on computer-readable medium
On computer program, which includes the program code for method shown in execution flow chart.In such reality
It applies in example, which can be downloaded and installed from network by communications portion 1009, and/or from detachable media
1011 are mounted.When the computer program is executed by central processing unit (CPU) 1001, executes in the system of the application and limit
Above-mentioned function.
It should be noted that computer-readable medium shown in the present invention can be computer-readable signal media or meter
Calculation machine readable storage medium storing program for executing either the two any combination.Computer readable storage medium for example can be --- but not
Be limited to --- electricity, magnetic, optical, electromagnetic, infrared ray or semiconductor system, device or device, or any above combination.Meter
The more specific example of calculation machine readable storage medium storing program for executing can include but is not limited to: have the electrical connection, just of one or more conducting wires
Taking formula computer disk, hard disk, random access storage device (RAM), read-only memory (ROM), erasable type may be programmed read-only storage
Device (EPROM or flash memory), optical fiber, portable compact disc read-only memory (CD-ROM), light storage device, magnetic memory device,
Or above-mentioned any appropriate combination.In the present invention, computer readable storage medium can be it is any include or storage journey
The tangible medium of sequence, the program can be commanded execution system, device or device use or in connection.And at this
In invention, computer-readable signal media may include in a base band or as carrier wave a part propagate data-signal,
Wherein carry computer-readable program code.The data-signal of this propagation can take various forms, including but unlimited
In electromagnetic signal, optical signal or above-mentioned any appropriate combination.Computer-readable signal media can also be that computer can
Any computer-readable medium other than storage medium is read, which can send, propagates or transmit and be used for
By the use of instruction execution system, device or device or program in connection.Include on computer-readable medium
Program code can transmit with any suitable medium, including but not limited to: wireless, electric wire, optical cable, RF etc. are above-mentioned
Any appropriate combination.
Flow chart and block diagram in attached drawing are illustrated according to the system of various embodiments of the invention, method and computer journey
The architecture, function and operation in the cards of sequence product.In this regard, each box in flowchart or block diagram can generation
A part of one module, program segment or code of table, a part of above-mentioned module, program segment or code include one or more
Executable instruction for implementing the specified logical function.It should also be noted that in some implementations as replacements, institute in box
The function of mark can also occur in a different order than that indicated in the drawings.For example, two boxes succeedingly indicated are practical
On can be basically executed in parallel, they can also be executed in the opposite order sometimes, and this depends on the function involved.Also it wants
It is noted that the combination of each box in block diagram or flow chart and the box in block diagram or flow chart, can use and execute rule
The dedicated hardware based systems of fixed functions or operations is realized, or can use the group of specialized hardware and computer instruction
It closes to realize.
Being described in unit involved in the embodiment of the present invention can be realized by way of software, can also be by hard
The mode of part realizes that described unit also can be set in the processor.Wherein, the title of these units is in certain situation
Under do not constitute restriction to the unit itself.
As on the other hand, present invention also provides a kind of computer-readable medium, which be can be
Included in electronic equipment described in above-described embodiment；It is also possible to individualism, and without in the supplying electronic equipment.
Above-mentioned computer-readable medium carries one or more program, when the electronics is set by one for said one or multiple programs
When standby execution, so that the electronic equipment realizes such as above-mentioned processing method as described in the examples of insuring.
For example, the electronic equipment may be implemented as shown in Figure 1: step S110 obtains the information of insuring of user；
Step S120, the information of insuring based on the user carry out pre- core guarantor processing；Step S130, it is determined whether need to protect pre- core logical
The target user crossed insures；Step S140, however, it is determined that needs insure to the target user, then are based on the target
The information of insuring of user generates declaration form.
For another example, each step as shown in Figures 2 to 7 may be implemented in the electronic equipment.
It should be noted that although being referred to several modules or list for acting the equipment executed in the above detailed description
Member, but this division is not enforceable.In fact, embodiment according to the present invention, it is above-described two or more
Module or the feature and function of unit can embody in a module or unit.Conversely, an above-described mould
The feature and function of block or unit can be to be embodied by multiple modules or unit with further division.
Through the above description of the embodiments, those skilled in the art is it can be readily appreciated that example described herein is implemented
Mode can also be realized by software realization in such a way that software is in conjunction with necessary hardware.Therefore, according to the present invention
The technical solution of embodiment can be embodied in the form of software products, which can store non-volatile at one
Property storage medium (can be CD-ROM, USB flash disk, mobile hard disk etc.) in or network on, including some instructions are so that a calculating
Equipment (can be personal computer, server, touch control terminal or network equipment etc.) executes embodiment according to the present invention
Method.
Those skilled in the art after considering the specification and implementing the invention disclosed here, will readily occur to of the invention its
Its embodiment.This application is intended to cover any variations, uses, or adaptations of the invention, these modifications, purposes or
Person's adaptive change follows general principle of the invention and including the undocumented common knowledge in the art of the present invention
Or conventional techniques.The description and examples are only to be considered as illustrative, and true scope and spirit of the invention are by following
Claim is pointed out.
It should be understood that the present invention is not limited to the precise structure already described above and shown in the accompanying drawings, and
And various modifications and changes may be made without departing from the scope thereof.The scope of the present invention is limited only by the attached claims.
Claims (11)
- The processing method 1. one kind is insured characterized by comprisingObtain the information of insuring of user；Information of insuring based on the user carries out pre- core guarantor processing；It determines the need for insuring to the target user that pre- core guarantor passes through；If it is determined that needing to insure to the target user, then the information of insuring based on the target user generates declaration form.
- 2. processing method according to claim 1 of insuring, which is characterized in that determine the need for protecting the mesh passed through to pre- core Mark user insures, comprising:Judge whether current time meets the regular plan of insuring of the target user；If current time meets the periodically plan of insuring, it is determined that needs insure to the target user.
- 3. processing method according to claim 2 of insuring, which is characterized in that pass through determining the need for protecting pre- core Before target user insures, the processing method of insuring further include:According to the information of insuring of the target user, the regular plan of insuring for being directed to the target user is generated；The regular plan of insuring of generation is pushed to the target user to select；The regular plan of insuring of target user's selection is recorded, is planned really with regular insure selected based on the target user It is fixed whether to need to insure to the target user.
- 4. processing method according to claim 3 of insuring, which is characterized in that according to the information of insuring of the target user, Generate the regular plan of insuring for being directed to the target user, comprising:According to the information of insuring of the target user, the risk class of the target user is determined；Based on the risk class of the target user, determines and periodically insure the period for what the target user formulated；It is periodically insured the period according to described, determines the insurance products that the target user is suitble to；According to periodically insure period and the insurance products, the regular plan of insuring for being directed to the target user is generated.
- 5. processing method according to claim 3 of insuring, which is characterized in that in the letter of insuring according to the target user Breath, before generating the plan of periodically insuring for the target user, the processing method of insuring further include:Receive the regular plan of insuring that the target user sends；The regular plan of insuring sent to the target user is audited；If the audit fails for the periodically plan of insuring sent to the target user, according to the letter of insuring of the target user Breath generates the regular plan of insuring for being directed to the target user.
- 6. processing method according to claim 5 of insuring, which is characterized in that the processing method of insuring further include:If passing through to the plan audit of periodically insuring that the target user sends, the regular throwing that the target user sends is recorded Plan is protected, to determine the need for throwing the target user based on the regular plan of insuring that the target user sends It protects.
- 7. processing method according to claim 1 of insuring, which is characterized in that determine the need for protecting the mesh passed through to pre- core Mark user insures, comprising:It detects whether to receive the instruction of insuring that the target user triggers；If receiving the instruction of insuring of target user's triggering, it is determined that needs insure to the target user.
- 8. processing method according to claim 1 of insuring, which is characterized in that before the information of insuring for obtaining user, institute State processing method of insuring further include:The contract application protected for pre- core that user submits is obtained, includes signing information in the contract application；The contract application is audited based on the signing information；If passing through to contract application audit, the information of insuring of the user is obtained.
- The processing unit 9. one kind is insured characterized by comprisingAcquiring unit, for obtaining the information of insuring of user；Pre- core protects processing unit, carries out pre- core guarantor processing for the information of insuring based on the user；Determination unit is used to determine whether to need to protect the target user passed through to pre- core to insure；Insure processing unit, for the determination unit determine need to insure to the target user when, based on described The information of insuring of target user generates declaration form.
- 10. a kind of computer-readable medium, is stored thereon with computer program, which is characterized in that described program is held by processor Such as processing method described in any item of the claim 1 to 8 of insuring is realized when row.
- 11. a kind of electronic equipment characterized by comprisingOne or more processors；Storage device, for storing one or more programs, when one or more of programs are by one or more of processing When device executes, so that one or more of processors realize such as the side described in any item of the claim 1 to 8 of processing of insuring Method.
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| CN201810917336.2A CN109118375B (en) | 2018-08-13 | 2018-08-13 | Application processing method, device, medium and electronic equipment |
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| CN201810917336.2A CN109118375B (en) | 2018-08-13 | 2018-08-13 | Application processing method, device, medium and electronic equipment |
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| CN109118375B CN109118375B (en) | 2021-10-08 |
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Address after: Floor 36, Zheshang Building, No. 718 Jianshe Avenue, Jiang'an District, Wuhan, Hubei 430019 Patentee after: TK.CN INSURANCE Co.,Ltd. Patentee after: TAIKANG INSURANCE GROUP Co.,Ltd. Address before: 156 fuxingmennei street, Xicheng District, Beijing 100031 Patentee before: TAIKANG INSURANCE GROUP Co.,Ltd. Patentee before: TK.CN INSURANCE Co.,Ltd. |