CN109242704A - Insurance premium pays for method and system, terminal and computer readable storage medium first - Google Patents
Insurance premium pays for method and system, terminal and computer readable storage medium first Download PDFInfo
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- CN109242704A CN109242704A CN201810921355.2A CN201810921355A CN109242704A CN 109242704 A CN109242704 A CN 109242704A CN 201810921355 A CN201810921355 A CN 201810921355A CN 109242704 A CN109242704 A CN 109242704A
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- 238000000034 method Methods 0.000 title claims abstract description 45
- 238000004891 communication Methods 0.000 claims description 5
- 238000012360 testing method Methods 0.000 claims description 4
- 230000008569 process Effects 0.000 description 9
- 238000001514 detection method Methods 0.000 description 7
- 238000010586 diagram Methods 0.000 description 4
- 230000004044 response Effects 0.000 description 4
- 238000010168 coupling process Methods 0.000 description 3
- 238000005859 coupling reaction Methods 0.000 description 3
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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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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/26—Debit schemes, e.g. "pay now"
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
- G06Q20/3415—Cards acting autonomously as pay-media
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Abstract
The invention proposes a kind of insurance premiums to pay for method and system, terminal and computer readable storage medium first, this method comprises: obtaining the request message paid for first for the insurance premium of target declaration form；Analysis request message is with the personal information of the corresponding claimant of acquisition request message；Judge whether the personal information of claimant is consistent with the personal information of the insurer of target declaration form；When the personal information that judging result is claimant is consistent with the personal information of the insurer of target declaration form, according to the personal information of claimant, call whether bank interface inquiry request people holds credit card；In the case where determining that claimant holds several credits card, obtains credit card and select information；Information is selected according to credit card, selection target credit card pays for the insurance premium of target declaration form first in several credits card.Technical solution of the present invention makes user not need to handle new credit card and can pay for insurance premium first, improves the enthusiasm that user insures.
Description
[technical field]
The present invention relates to field of computer technology more particularly to a kind of insurance premium to pay for method and system, terminal and meter first
Calculation machine readable storage medium storing program for executing.
[background technique]
Currently, many users can be paid by handling credit card associated with insurance company when paying insurance premium
Insurance premium is equivalent to and is paid for first with the credit card newly handled, to reduce economic pressures.
However, many users inherently possess credit card, if it is associated with insurance company to require user that can only use
Credit card is paid for first, then can hit the enthusiasm that user insures, user be often not desired to handle extra credit card in addition some
Therefore user can cancel and insure.
Therefore, the complexity that user pays this process of insurance premium how is reduced, skill urgently to be resolved at present is become
Art problem.
[summary of the invention]
The embodiment of the invention provides a kind of insurance premiums to pay for method and system, terminal and computer-readable storage medium first
Matter, it is intended to solve user and handle the excessively cumbersome technical problem of process that new credit card pays for insurance premium first, insurance can be simplified
Expense pays for step first, insures for user and provides convenience.
In a first aspect, the embodiment of the invention provides a kind of insurance premiums to pay for method first, comprising: obtain and be directed to target declaration form
The request message paid for first of insurance premium；The request message is parsed to obtain the individual of the corresponding claimant of the request message
Information, wherein the personal information includes: one or more in claimant's name, perfect instrument number and biological information
?；Judge whether the personal information of the claimant is consistent with the personal information of insurer of the target declaration form；When judgement is tied
When fruit is that the personal information of the claimant is consistent with the personal information of insurer of the target declaration form, according to the claimant
Personal information, call bank interface to inquire whether the claimant holds credit card；Determining that it is several that the claimant holds
In the case where opening credit card, selection target credit card pays for the insurance premium of the target declaration form first in several described credits card
With.
In the above embodiment of the present invention, optionally, the selection target credit card mat in several described credits card
The step of paying the insurance premium of the target declaration form, comprising: randomly choose a credit card in several described credits card, make
For the target credit card.
In the above embodiment of the present invention, optionally, the selection target credit card mat in several described credits card
The step of paying the insurance premium of the target declaration form, comprising: determine the remaining amount of several credits card；Described several
The credit card for opening the insurance premium for selecting the remaining amount to be greater than the target declaration form in credit card, as the target credit
Card.
In the above embodiment of the present invention, optionally, the selection target credit card mat in several described credits card
The step of paying the insurance premium of the target declaration form, comprising: determine the remaining amount of several credits card；Described several
It opens and selects the maximum credit card of the remaining amount in credit card, as the target credit card.
In the above embodiment of the present invention, optionally, the selection target credit card mat in several described credits card
The step of paying the insurance premium of the target declaration form, comprising: detect the affiliated silver of every credit card in several described credits card
Whether row is predetermined bank；According to testing result, select the affiliated bank for the credit card of the predetermined bank, as described
Target credit card.
In the above embodiment of the present invention, optionally, the selection target credit card mat in several described credits card
The step of paying the insurance premium of the target declaration form, comprising: bank belonging to determining in several described credits card is predetermined silver
Capable credit card set；In the credit card set, the maximum credit card of remaining amount is selected, as the target credit
Card.
Second aspect, the embodiment of the invention provides a kind of insurance premiums to pay for system first, comprising: acquiring unit, for obtaining
Take the request message that the insurance premium for target declaration form is paid for first；Resolution unit, for parsing the request message to obtain
State the personal information of the corresponding claimant of request message, wherein the personal information includes: claimant's name, perfect instrument number
It is one or more in code and biological information；Judging unit, for judge the claimant personal information whether with institute
The personal information for stating the insurer of target declaration form is consistent；Query unit, for when the personal letter that judging result is the claimant
When ceasing consistent with the personal information of insurer of the target declaration form, according to the personal information of the claimant, bank is called to connect
Mouth inquires whether the claimant holds credit card；Unit is paid for first, for determining that the claimant holds several credits card
In the case where, selection target credit card pays for the insurance premium of the target declaration form first in several described credits card.
In the above embodiment of the present invention, optionally, the unit of paying for first includes: first selecting unit, for described
A credit card is randomly choosed in several credits card, as the target credit card.
In the above embodiment of the present invention, optionally, the unit of paying for first includes: the first determination unit, for determining
State the remaining amount of several credits card, the second selecting unit, for selecting the residue in several described credits card
Degree is greater than the credit card of the insurance premium of the target declaration form, as the target credit card.
In the above embodiment of the present invention, optionally, the unit of paying for first includes: the second determination unit, for determining
State the remaining amount of several credits card, third selecting unit, for selecting the residue in several described credits card
Maximum credit card is spent, as the target credit card.
In the above embodiment of the present invention, optionally, the unit of paying for first includes: detection unit, if described for detecting
Whether the affiliated bank of every credit card is predetermined bank in dry credit card；4th selecting unit is used for according to testing result,
Select the affiliated bank for the credit card of the predetermined bank, as the target credit card.
In the above embodiment of the present invention, optionally, the unit of paying for first includes: third determination unit, for described
Bank belonging to determining in several credits card is the credit card set of predetermined bank；5th selecting unit, in the credit
In card set, the maximum credit card of remaining amount is selected, as the target credit card.
The third aspect, the embodiment of the invention provides a kind of terminals, comprising: at least one processor；And with it is described extremely
The memory of few processor communication connection；Wherein, the memory, which is stored with, to be executed by least one described processor
Instruction, described instruction is arranged to be used for executing method described in any one of above-mentioned first aspect embodiment.
Fourth aspect, the embodiment of the invention provides a kind of computer readable storage mediums, and it is executable to be stored with computer
Instruction, the computer executable instructions are for executing method flow described in any one of first aspect embodiment.
Above technical scheme, for user in the related technology handle new credit card pay for first insurance premium process it is excessively numerous
Trivial technical problem, can simplify insurance premium pays for step first, insures for user and provides convenience.
Specifically, it does not need user and handles new credit card, but the existing letter of user is directly inquired by system
The payment of insurance premium is carried out with card.Firstly, obtaining the request message paid for first for the insurance premium of target declaration form, and judging should
The claimant of request message whether be target declaration form insurer, specific judgment mode are as follows: judging the personal information of claimant is
It is no consistent with the personal information of the insurer of target declaration form, if it is judged that for the personal information and target declaration form of claimant
The personal information of insurer is consistent, illustrates that the request message is effective, can further judge claimant under one's name whether creditable card can
Carry out paying for first for insurance premium.If judging result be claimant personal information and target declaration form insurer personal information not
Unanimously, illustrate the risk falsely used with credit card, process need to be terminated.
Wherein, personal information includes one or more in address name, perfect instrument number and biological information,
In biological information include but is not limited to one or more in finger print information, iris information, acoustic information and palm print information
?.
Then, credit card selection information can be obtained, credit card selection information can be claimant and manually select for padding
The operation information that the credit card to pay into the insurance plan generates, is also possible to the selection of system automatically generated for paying for insurance premium first
The information that credit card generates selects information selection target can believe in several credits card that inquiry obtains according to the credit card
Insurance premium is paid for first with card.
Above technical scheme makes claimant not need to handle new credit card and can pay for insurance premium first, asks convenient for reducing
It asks for help the economic pressures insured and faced, improves the enthusiasm that claimant insures, so that insurance business exchange hand increases, just
In the development of insurance business.Simultaneously, it is only necessary to which the personal information of call request people can buckle in the existing credit card of claimant
The step of taking, simplifying claimant's disbursement insurance expense, so that the process that insurance business is handled is more convenient, improve work
Make efficiency.
[Detailed description of the invention]
In order to illustrate the technical solution of the embodiments of the present invention more clearly, below will be to needed in the embodiment attached
Figure is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the invention, for this field
For those of ordinary skill, without creative efforts, it can also be obtained according to these attached drawings other attached drawings.
The insurance premium that Fig. 1 shows one embodiment of the present of invention pays for the flow chart of method first；
Fig. 2 shows the flow charts that the insurance premium of another embodiment of the invention pays for method first；
The insurance premium that Fig. 3 shows yet another embodiment of the present invention pays for the flow chart of method first；
The insurance premium that Fig. 4 shows another embodiment of the invention pays for the flow chart of method first；
The insurance premium that Fig. 5 shows yet another embodiment of the present invention pays for the flow chart of method first；
The insurance premium that Fig. 6 shows one embodiment of the present of invention pays for the block diagram of system first；
Fig. 7 shows the block diagram of the terminal of one embodiment of the present of invention.
[specific embodiment]
For a better understanding of the technical solution of the present invention, being retouched in detail to the embodiment of the present invention with reference to the accompanying drawing
It states.
It will be appreciated that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.Base
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts it is all its
Its embodiment, shall fall within the protection scope of the present invention.
The term used in embodiments of the present invention is only to be not intended to be limiting merely for for the purpose of describing particular embodiments
The present invention.In the embodiment of the present invention and the "an" of singular used in the attached claims, " described " and "the"
It is also intended to including most forms, unless the context clearly indicates other meaning.
The insurance premium that Fig. 1 shows one embodiment of the present of invention pays for the flow chart of method first.
As shown in Figure 1, this method comprises:
Step 102, the request message paid for first for the insurance premium of target declaration form is obtained.
Step 104, the request message is parsed to obtain the personal information of the corresponding claimant of the request message.
Wherein, personal information includes one or more in address name, perfect instrument number and biological information,
In biological information include but is not limited to one or more in finger print information, iris information, acoustic information and palm print information
?.
Step 106, judge the claimant personal information whether the personal information with the insurer of the target declaration form
Unanimously.
Step 108, when the personal information and the individual of the insurer of the target declaration form that judging result is the claimant
When information is consistent, according to the personal information of the claimant, bank interface is called to inquire whether the claimant holds credit card.
Firstly, obtaining the request message paid for first for the insurance premium of target declaration form, and judge the request of the request message
People whether be target declaration form insurer, specific judgment mode are as follows: judge claimant personal information whether with target declaration form
The personal information of insurer is consistent, if it is judged that the personal of insurer for the personal information and target declaration form of claimant is believed
Breath is consistent, illustrates that the request message is effective, can further judging claimant, whether creditable card can carry out insurance premium under one's name
It pays for first.If judging result is inconsistent for the personal information of claimant and the personal information of the insurer of target declaration form, explanation has
The risk that credit card is falsely used need to terminate process.
You need to add is that calling bank interface inquiry can be a kind of bridge joint mode by ESG mode, ESG, can will protect
The system of dangerous business itself passes through interface and communicates with the Database of bank, and the system of insurance business is enable to call and inquire
Data in banking data base.
It is possible to further be inquired respectively in the database of multiple banks, to cope with the feelings that user has multiple credits card
Condition.
Step 110, in the case where determining that the claimant holds several credits card, in several described credits card
Selection target credit card pays for the insurance premium of the target declaration form first.
Then, credit card selection information can be obtained, credit card selection information can be claimant and manually select for padding
The operation information that the credit card to pay into the insurance plan generates, is also possible to the selection of system automatically generated for paying for insurance premium first
The information that credit card generates selects information selection target can believe in several credits card that inquiry obtains according to the credit card
Insurance premium is paid for first with card.
Generally speaking, it does not need user and handles new credit card, but the existing letter of user is directly inquired by system
The payment of insurance premium is carried out with card.Above technical scheme makes claimant not need to handle new credit card and can pay for insurance first
Expense insures the economic pressures faced convenient for reducing claimant, the enthusiasm that claimant insures is improved, so that insurance
Exchange hand of being engaged in increases, convenient for the development of insurance business.Simultaneously, it is only necessary to which the personal information of call request people can be claimant's
The step of deducting fees in existing credit card, simplify claimant's disbursement insurance expense, so that the process that insurance business is handled is more square
Just quick, improve working efficiency.
In addition, in one embodiment of the invention, further includes: setting return the insurance premium mode be by stages or
It is non-by stages.That is, the insurance premium paid for first can be by claimant's installment rebate to credit card, it, can also to reduce economic pressures
It is returned to credit card in installments by claimant is directly non-, to reduce the expenses such as the interest for paying for duration generation first.
In step 110, selection target credit card has various ways in several described credits card, for example, in institute
One credit card of random selection in several credits card is stated, as the target credit card, this randomly selected mode is not necessarily to
Decision logic, it is simple and fast, be conducive to the processing speed for promoting insurance business.In other words, system can found at random
Several credits card in one progress insurance premium of selection pay for first, such process no longer needs to be operated manually, and simplifies
Payment step promotes claimant's experience convenient for saving the time for business of handling insurance.
For another example, can acquisition request people real-time operation information, which is that claimant manually selects and is used for
Pay for the operation information that the credit card of insurance premium generates first, that is to say, that system can show the interface to claimant's operation at this time,
So that claimant selects the credit card for pay for first insurance premium needed for oneself in several credits card shown.In this way, giving
The space for having given claimant's selection, has adapted to the actual demand of claimant, the user experience is improved to the maximum extent.
In addition, randomly choosing a credit card in some practical application scenes and carrying out paying for first for insurance premium, have and meet with
Meet credit card residue amount deficiency, the affiliated bank of credit card does not support the problems such as paying for business first automatically, therefore, residue can be set
The predetermined credit card that amount is preferential enough, residue amount highest is preferential or default banking style is preferential selects rule, so as to
Choose optimum credit card.It is described further below by the embodiment shown in Fig. 2 to Fig. 5.
Fig. 2 shows the flow charts that the insurance premium of another embodiment of the invention pays for method first.
As shown in Fig. 2, this method comprises:
Step 202, the request message paid for first for the insurance premium of target declaration form is obtained.
Step 204, the request message is parsed to obtain the personal information of the corresponding claimant of the request message.
Step 206, judge the claimant personal information whether the personal information with the insurer of the target declaration form
Unanimously.
Step 208, when the personal information and the individual of the insurer of the target declaration form that judging result is the claimant
When information is consistent, according to the personal information of the claimant, bank interface is called to inquire whether the claimant holds credit card.
Step 210, in the case where determining that the claimant holds several credits card, several described credits card are determined
Remaining amount.
Step 212, the remaining amount is selected to be greater than the insurance premium of the target declaration form in several described credits card
Credit card, as the target credit card.
Specifically, insurance premium whether can be covered according to the remaining amount of each credit card to be used to select, i.e., preferential choosing
The credit card for selecting the enough disbursement insurance expenses of remaining sum is paid, and to guarantee that the insurance premium of target declaration form pays for success first, is helped
In going on smoothly for insurance business.
The insurance premium that Fig. 3 shows yet another embodiment of the present invention pays for the flow chart of method first.
As shown in figure 3, this method comprises:
Step 302, the request message paid for first for the insurance premium of target declaration form is obtained.
Step 304, the request message is parsed to obtain the personal information of the corresponding claimant of the request message.
Step 306, judge the claimant personal information whether the personal information with the insurer of the target declaration form
Unanimously.
Step 308, when the personal information and the individual of the insurer of the target declaration form that judging result is the claimant
When information is consistent, according to the personal information of the claimant, bank interface is called to inquire whether the claimant holds credit card.
Step 310, in the case where determining that the claimant holds several credits card, several described credits card are determined
Remaining amount.
Step 312, the maximum credit card of the remaining amount is selected in several described credits card, as the target
Credit card.
Using remaining amount highest preferential principle, the credit card that can cover insurance premium can be selected as far as possible,
The success rate of insurance premium Credit Card Payments is promoted, to promote user experience.The remaining highest credit card of amount is selected to execute pad
Operation is paid, so, a possibility that operation runs succeeded is paid for first and runs succeeded with the operation of paying for first when other credits card is selected
A possibility that it is maximum in contrast, be conducive to the successful progress of insurance business.
The insurance premium that Fig. 4 shows another embodiment of the invention pays for the flow chart of method first.
As shown in figure 4, this method comprises:
Step 402, the request message paid for first for the insurance premium of target declaration form is obtained.
Step 404, the request message is parsed to obtain the personal information of the corresponding claimant of the request message.
Step 406, judge the claimant personal information whether the personal information with the insurer of the target declaration form
Unanimously.
Step 408, when the personal information and the individual of the insurer of the target declaration form that judging result is the claimant
When information is consistent, according to the personal information of the claimant, bank interface is called to inquire whether the claimant holds credit card.
Step 410, in the case where determining that the claimant holds several credits card, several described credits card are detected
In the affiliated bank of every credit card whether be predetermined bank.
Step 412, according to testing result, select the affiliated bank for the credit card of the predetermined bank, as described
Target credit card.
It specifically, can be using default banking style preferential principle, it can to claimant's preferential recommendation and this public affairs
The credit card of the bank of cooperation is taken charge of, the bank cooperated with our company has more credit rating and safety, and is often equipped with preferential measure,
Recommend these banks that claimant can be made to make a profit to claimant more, promotes the safety of payment of claimant's experience and insurance business.
For another example, in the case where this preferential rule of default banking style, 10000 yuan of daily trading limit be can be set
Bank a is default banking style, when two credits card of claimant are belonging respectively to the bank of bank a and 2000 yuan of daily trading limit
When b, it can directly select and belong to the credit card of bank a and carry out paying for operation first, so that paying for a possibility that operation runs succeeded increasing first
Greatly, be conducive to the successful progress of insurance business.
To sum up, obtain credit card selection information after, can according to the credit card select information, it is described several
Selection target credit card pays for the insurance premium first in credit card.
The insurance premium that Fig. 5 shows yet another embodiment of the present invention pays for the flow chart of method first.
As shown in figure 5, this method comprises:
Step 502, the request message paid for first for the insurance premium of target declaration form is obtained.
Step 504, the request message is parsed to obtain the personal information of the corresponding claimant of the request message.
Step 506, judge the claimant personal information whether the personal information with the insurer of the target declaration form
Unanimously.
Step 508, when the personal information and the individual of the insurer of the target declaration form that judging result is the claimant
When information is consistent, according to the personal information of the claimant, bank interface is called to inquire whether the claimant holds credit card.
Step 510, in the case where determining that the claimant holds several credits card, in several described credits card
Bank belonging to determining is the credit card set of predetermined bank.
Step 512, in the credit card set, the maximum credit card of remaining amount is selected, as the target credit
Card.
Select the remaining maximum credit card of amount as target credit card in the credit card of predetermined bank, in this way, will
Remaining amount highest is preferentially applied in combination with the predetermined credit card selection rule of default banking style preferentially, can further promote choosing
Select the reasonability of target credit card.
It certainly, in systems in practice, can also be preferential and default by above-mentioned remaining preferential enough, the remaining amount highest of amount
Any two in the preferential predetermined credit card selection rule of banking style are even applied in combination for three kinds.
The insurance premium that Fig. 6 shows one embodiment of the present of invention pays for the block diagram of system first.
As shown in fig. 6, the insurance premium of one embodiment of the present of invention pays for system 600 first, comprising: acquiring unit 602 is used
In the request message that acquisition is paid for first for the insurance premium of target declaration form；Resolution unit 604, for parse the request message with
Obtain the personal information of the corresponding claimant of the request message, wherein the personal information include: claimant's name, effectively
It is one or more in passport NO. and biological information；Judging unit 606, for judging the personal information of the claimant
It is whether consistent with the personal information of insurer of the target declaration form；Query unit 608, for being the request when judging result
When the personal information of people is consistent with the personal information of insurer of the target declaration form, according to the personal information of the claimant,
Bank interface is called to inquire whether the claimant holds credit card；Unit 610 is paid for first, for determining that the claimant holds
In the case where several credits card, selection target credit card pays for the insurance of the target declaration form first in several described credits card
Expense.
In the above embodiment of the present invention, optionally, the unit 610 of paying for first includes: first selecting unit, in institute
One credit card of random selection in several credits card is stated, as the target credit card.
In the above embodiment of the present invention, optionally, the unit 610 of paying for first includes: the first determination unit, for determining
The remaining amount of several credits card, the second selecting unit, for selecting the residue in several described credits card
Amount is greater than the credit card of the insurance premium of the target declaration form, as the target credit card.
In the above embodiment of the present invention, optionally, the unit 610 of paying for first includes: the second determination unit, for determining
The remaining amount of several credits card, third selecting unit, for selecting the residue in several described credits card
The maximum credit card of amount, as the target credit card.
In the above embodiment of the present invention, optionally, the unit 610 of paying for first includes: detection unit, described for detecting
Whether the affiliated bank of every credit card is predetermined bank in several credits card；4th selecting unit, for being tied according to detection
Fruit selects the affiliated bank for the credit card of the predetermined bank, as the target credit card.
In the above embodiment of the present invention, optionally, the unit 610 of paying for first includes: third determination unit, in institute
State the credit card set that bank belonging to determining in several credits card is predetermined bank；5th selecting unit, in the letter
With in card set, the maximum credit card of remaining amount is selected, as the target credit card.
Fig. 7 shows the block diagram of the terminal of one embodiment of the present of invention.
As shown in fig. 7, the terminal 700 of one embodiment of the present of invention, including at least one processor 702；And with institute
State the processor 704 of the communication connection of at least one processor 702；Wherein, the memory be stored with can by it is described at least one
The instruction that processor 704 executes, described instruction are arranged to be used for executing above-mentioned Fig. 1 to described in any one of Fig. 3 embodiment
Scheme.Therefore, which has and Fig. 1 is to the identical technical effect of any one of Fig. 3 embodiment, and details are not described herein.
The embodiment of the invention provides a kind of computer readable storage mediums, are stored with computer executable instructions, described
Computer executable instructions are used to execute Fig. 1 to the method flow described in any one of Fig. 5 embodiment.
The technical scheme of the present invention has been explained in detail above with reference to the attached drawings, according to the technical solution of the present invention, makes user not
Insurance premium can be paid for first by needing to handle new credit card, insured the economic pressures faced convenient for reducing user, improved user
The enthusiasm insured, so that insurance business exchange hand increases, convenient for the development of insurance business.Simultaneously, it is only necessary to call and use
The step of personal information at family can deduct fees in the existing credit card of user, simplify user's disbursement insurance expense, so that protecting
The process of dangerous business handling is more convenient, improves working efficiency.
Depending on context, word as used in this " if " can be construed to " ... when " or " when ...
When " or " in response to determination " or " in response to detection ".Similarly, depend on context, phrase " if it is determined that " or " if detection
(condition or event of statement) " can be construed to " when determining " or " in response to determination " or " when the detection (condition of statement
Or event) when " or " in response to detection (condition or event of statement) ".
It should be noted that terminal involved in the embodiment of the present invention can include but is not limited to personal computer
(Personal Computer, PC), personal digital assistant (Personal Digital Assistant, PDA), wireless handheld
Equipment, tablet computer (Tablet Computer), mobile phone, MP3 player, MP4 player etc..
In several embodiments provided by the present invention, it should be understood that disclosed systems, devices and methods, it can be with
It realizes by another way.For example, the apparatus embodiments described above are merely exemplary, for example, the unit
It divides, only a kind of logical function partition, there may be another division manner in actual implementation, for example, multiple units or group
Part can be combined or can be integrated into another system, or some features can be ignored or not executed.Another point, it is shown
Or the mutual coupling, direct-coupling or communication connection discussed can be through some interfaces, device or unit it is indirect
Coupling or communication connection can be electrical property, mechanical or other forms.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of hardware adds SFU software functional unit.
The above-mentioned integrated unit being realized in the form of SFU software functional unit can store and computer-readable deposit at one
In storage media.Above-mentioned SFU software functional unit is stored in a storage medium, including some instructions are used so that a computer
It is each that device (can be personal computer, server or network equipment etc.) or processor (Processor) execute the present invention
The part steps of embodiment the method.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only memory (Read-
Only Memory, ROM), random access memory (Random Access Memory, RAM), magnetic or disk etc. it is various
It can store the medium of program code.
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all in essence of the invention
Within mind and principle, any modification, equivalent substitution, improvement and etc. done be should be included within the scope of the present invention.
Claims (10)
1. a kind of insurance premium pays for method first characterized by comprising
Obtain the request message paid for first for the insurance premium of target declaration form；
The request message is parsed to obtain the personal information of the corresponding claimant of the request message, wherein the personal letter
Breath includes: one or more in claimant's name, perfect instrument number and biological information；
Judge whether the personal information of the claimant is consistent with the personal information of insurer of the target declaration form；
When the personal information that judging result is the claimant is consistent with the personal information of insurer of the target declaration form, root
According to the personal information of the claimant, bank interface is called to inquire whether the claimant holds credit card；
In the case where determining that the claimant holds several credits card, the selection target credit in several described credits card
Card mat pays the insurance premium of the target declaration form.
2. the method according to claim 1, wherein the selection target credit in several described credits card
Card mat pays the step of insurance premium of the target declaration form, comprising:
A credit card is randomly choosed in several described credits card, as the target credit card.
3. the method according to claim 1, wherein the selection target credit in several described credits card
Card mat pays the step of insurance premium of the target declaration form, comprising:
Determine the remaining amount of several credits card；
It selects the remaining amount to be greater than the credit card of the insurance premium of the target declaration form in several described credits card, makees
For the target credit card.
4. the method according to claim 1, wherein the selection target credit in several described credits card
Card mat pays the step of insurance premium of the target declaration form, comprising:
Determine the remaining amount of several credits card；
The maximum credit card of the remaining amount is selected in several described credits card, as the target credit card.
5. the method according to claim 1, wherein the selection target credit in several described credits card
Card mat pays the step of insurance premium of the target declaration form, comprising:
Whether the affiliated bank for detecting every credit card in several described credits card is predetermined bank；
According to testing result, select the affiliated bank for the credit card of the predetermined bank, as the target credit card.
6. the method according to claim 1, wherein the selection target credit in several described credits card
Card mat pays the step of insurance premium of the target declaration form, comprising:
Bank belonging to determining in several described credits card is the credit card set of predetermined bank；
In the credit card set, the maximum credit card of remaining amount is selected, as the target credit card.
7. a kind of insurance premium pays for system first characterized by comprising
Acquiring unit, for obtaining the request message for being directed to the insurance premium of target declaration form and paying for first；
Resolution unit, for parsing the request message to obtain the personal information of the corresponding claimant of the request message,
In, the personal information includes: one or more in claimant's name, perfect instrument number and biological information；
Judging unit, for judge the claimant personal information whether the personal information with the insurer of the target declaration form
Unanimously；
Query unit, the individual for the insurer when personal information and the target declaration form that judging result is the claimant
When information is consistent, according to the personal information of the claimant, bank interface is called to inquire whether the claimant holds credit card；
Unit is paid for first, in the case where determining that the claimant holds several credits card, in several described credits card
Middle selection target credit card pays for the insurance premium of the target declaration form first.
8. system according to claim 7, which is characterized in that the unit of paying for first includes:
First selecting unit, for randomly choosing a credit card in several described credits card, as the target credit
Card.
9. a kind of terminal characterized by comprising at least one processor；And connect at least one described processor communication
The memory connect；
Wherein, the memory is stored with the instruction that can be executed by least one described processor, and described instruction is arranged to use
Method described in any one of execution the claims 1 to 6.
10. a kind of computer readable storage medium, which is characterized in that be stored with computer executable instructions, the computer can
It executes instruction for executing such as method flow described in any one of claims 1 to 6.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810921355.2A CN109242704A (en) | 2018-08-14 | 2018-08-14 | Insurance premium pays for method and system, terminal and computer readable storage medium first |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810921355.2A CN109242704A (en) | 2018-08-14 | 2018-08-14 | Insurance premium pays for method and system, terminal and computer readable storage medium first |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109242704A true CN109242704A (en) | 2019-01-18 |
Family
ID=65071390
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810921355.2A Pending CN109242704A (en) | 2018-08-14 | 2018-08-14 | Insurance premium pays for method and system, terminal and computer readable storage medium first |
Country Status (1)
| Country | Link |
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| CN (1) | CN109242704A (en) |
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| JP2003150785A (en) * | 2001-11-16 | 2003-05-23 | Tamotsu Shimoyama | Method for premium advance processing and system for insurance advance processing |
| CN105931036A (en) * | 2016-05-31 | 2016-09-07 | 北京小米移动软件有限公司 | Payment method and device |
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| CN107038644A (en) * | 2016-08-26 | 2017-08-11 | 平安科技（深圳）有限公司 | Declaration form treating method and apparatus |
| CN107689011A (en) * | 2017-09-14 | 2018-02-13 | 平安科技（深圳）有限公司 | Insurance expenses method of payment and terminal device |
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|---|---|---|---|---|
| JP2003150785A (en) * | 2001-11-16 | 2003-05-23 | Tamotsu Shimoyama | Method for premium advance processing and system for insurance advance processing |
| CN106997528A (en) * | 2016-01-22 | 2017-08-01 | 平安科技（深圳）有限公司 | Control is insured the method and apparatus of payment |
| CN105931036A (en) * | 2016-05-31 | 2016-09-07 | 北京小米移动软件有限公司 | Payment method and device |
| CN107038644A (en) * | 2016-08-26 | 2017-08-11 | 平安科技（深圳）有限公司 | Declaration form treating method and apparatus |
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