CN109544390B - Policy data processing method, policy data processing device, policy data processing medium and electronic equipment - Google Patents
Policy data processing method, policy data processing device, policy data processing medium and electronic equipment Download PDFInfo
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- CN109544390B CN109544390B CN201811491973.4A CN201811491973A CN109544390B CN 109544390 B CN109544390 B CN 109544390B CN 201811491973 A CN201811491973 A CN 201811491973A CN 109544390 B CN109544390 B CN 109544390B
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Abstract
The embodiment of the invention provides a policy data processing method, a policy data processing device, a computer readable medium and electronic equipment, wherein the method comprises the following steps: acquiring policy data to be processed; extracting underwriting data from the to-be-processed insurance policy data based on underwriting time, and generating an receivable insurance certificate based on the underwriting data; extracting the guarantee-refunding data from the policy data to be processed based on the guarantee-refunding time, and generating a guarantee-refunding certificate based on the guarantee-refunding data; extracting settlement data from the policy data to be processed based on the settlement ticket number, and generating a collection voucher based on the settlement data; and filing the underwriting data, the refunding data and the settlement data. The technical scheme of the embodiment of the invention can not only avoid the loss of the policy data under the condition of large policy data volume; and the processing efficiency of the policy data can be improved.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a policy data processing method, a policy data processing device, a computer readable medium and an electronic device.
Background
In recent years, with the vigorous development of insurance industry, the policy amount is increasing year by year. Therefore, how to process the insurance policy data under the condition of ensuring the normal settlement of the insurance policy data so as to ensure the normal operation of the system becomes a focus of attention of the insurance industry.
In the prior art, the collection and settlement of the policy data generally needs a long time and a long time span, and the processing of the policy data generally files and deletes the policy data at a fixed time interval. Thus, there may be some policy that is not settled and its corresponding settlement related data has been archived for deletion, resulting in loss of related data. Moreover, when the amount of policy data is large, the memory occupancy of the system may be too large, which may result in slow system operation and low processing efficiency of policy data.
Therefore, the processing efficiency of the policy data processing method in the prior art needs to be improved.
It is to be noted that the information disclosed in the above background section is only for enhancement of understanding of the background of the present invention and therefore may include information that does not constitute prior art known to a person of ordinary skill in the art.
Disclosure of Invention
The embodiment of the invention aims to provide a policy data processing method, and further overcomes the defects of data loss, poor timeliness and low processing efficiency possibly caused by the policy data processing method in the prior art at least to a certain extent.
Additional features and advantages of the invention will be set forth in the detailed description which follows, or may be learned by practice of the invention.
According to a first aspect of the embodiments of the present invention, there is provided a policy data processing method, including:
acquiring policy data to be processed; extracting underwriting data from the to-be-processed insurance policy data based on underwriting time, and generating an receivable insurance certificate based on the underwriting data; extracting the guarantee-refunding data from the policy data to be processed based on the guarantee-refunding time, and generating a guarantee-refunding certificate based on the guarantee-refunding data; extracting settlement data from the policy data to be processed based on the settlement ticket number, and generating a collection voucher based on the settlement data; and filing the underwriting data, the refunding data and the settlement data.
In some embodiments of the present invention, based on the foregoing, the underwriting data comprises: underwriting policy data and underwriting liability data; the step of extracting underwriting data from the to-be-processed insurance policy data based on underwriting time and generating an receivable insurance certificate based on the underwriting data comprises the following steps: extracting underwriting policy data from the to-be-processed policy data based on underwriting time; splitting the underwriting policy data to obtain underwriting responsibility data; generating an accrued premium voucher based on the underwriting policy data and the underwriting liability data.
In some embodiments of the present invention, based on the foregoing scheme, the guarantee-back data includes: a warranty data and a liability data; the extracting of the guarantee-release data from the policy data to be processed based on the guarantee-release time and the generating of the guarantee-release voucher based on the guarantee-release data comprise: extracting the insurance policy data from the insurance policy data to be processed based on the insurance policy time; splitting the insurance policy data to obtain insurance liability data; generating a refund credential based on the refund policy data and the refund responsibility data.
In some embodiments of the present invention, based on the foregoing scheme, the settlement data includes: settlement policy data and settlement detail data; the method for extracting settlement data from the policy data to be processed based on the settlement order number and generating a collection voucher based on the settlement data comprises the following steps: extracting settlement policy data from the to-be-processed policy data based on a settlement policy number; associating the settlement policy data with the policy data to be processed to obtain settlement detail data; and generating a collection voucher based on the settlement policy data and the settlement detail data.
In some embodiments of the present invention, based on the foregoing solution, the associating the settlement policy data with the pending policy data to obtain settlement detail data includes: acquiring insurance responsibility data from the policy data to be processed; and obtaining settlement detail data based on the settlement policy data and the insurance responsibility data.
In some embodiments of the present invention, based on the foregoing solution, the generating a receipt voucher based on the settlement policy data and the settlement detail data includes: and generating a collection voucher through difference settlement based on the settlement bill data and the settlement detail data.
In some embodiments of the present invention, based on the foregoing solution, the archiving the premium certificate, the refund certificate, and the collection certificate includes: moving the underwriting data, and the settlement data into a database; and after a preset time interval, deleting the underwriting data, the refunding data and the settlement data from the database.
According to a second aspect of the embodiments of the present invention, there is provided a policy data processing apparatus including: the acquisition module is used for acquiring policy data to be processed; the first generation module is used for extracting underwriting data from the to-be-processed insurance policy data based on underwriting time and generating an receivable insurance certificate based on the underwriting data; the second generation module is used for extracting the guarantee-refunding data from the policy data to be processed based on the guarantee-refunding time and generating a guarantee-refunding certificate based on the guarantee-refunding data; the third generation module is used for extracting settlement data from the policy data to be processed based on the settlement ticket number and generating a collection voucher based on the settlement data; and the processing module is used for filing the underwriting data, the refunding data and the settlement data.
According to a third aspect of embodiments of the present invention, there is provided a computer-readable medium, on which a computer program is stored, which when executed by a processor, implements the policy data processing method according to the first aspect of the embodiments described above.
According to a fourth aspect of embodiments of the present invention, there is provided an electronic apparatus, including: one or more processors; storage means for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement a method of policy data processing as described in the first aspect of the embodiments above.
The technical scheme provided by the embodiment of the invention has the following beneficial effects:
in the technical solutions provided by some embodiments of the present invention, by acquiring the to-be-processed policy data, on one hand, the underwriting data is extracted from the to-be-processed policy data based on the underwriting time, and the receivable premium voucher is generated based on the underwriting data, so that the accurate generation of the receivable premium voucher can be ensured; on the other hand, the guarantee-refunding data is extracted from the policy data to be processed based on the guarantee-refunding time, and the guarantee-refunding voucher is generated based on the guarantee-refunding data, so that the generation speed and the generation efficiency of the guarantee-refunding voucher can be improved, and the guarantee-refunding voucher can be generated in time; furthermore, settlement data are extracted from the policy data to be processed based on the settlement ticket number, and a collection voucher is generated based on the settlement data, so that the problem that collection cannot be carried out due to overlong time span can be solved, and the generation efficiency and accuracy of the collection voucher are improved; furthermore, by filing the underwriting data, the underwriting data and the settlement data, the data volume of the system can be reduced under the condition of ensuring the normal generation of the related certificates, and further, the operation speed of the system and the processing efficiency of the policy data are improved.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the invention, as claimed.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description, serve to explain the principles of the invention. It is obvious that the drawings in the following description are only some embodiments of the invention, and that for a person skilled in the art, other drawings can be derived from them without inventive effort. In the drawings:
FIG. 1 schematically illustrates a flowchart of a policy data processing method according to an embodiment of the invention;
FIG. 2 schematically illustrates a flowchart of a policy data processing method according to another embodiment of the invention;
FIG. 3 schematically illustrates a flowchart of a policy data processing method according to yet another embodiment of the invention;
FIG. 4 schematically illustrates a flowchart of a policy data processing method according to yet another embodiment of the invention;
FIG. 5 schematically illustrates a flowchart of a policy data processing method according to an embodiment of the invention;
FIG. 6 schematically illustrates a block diagram of a policy data processing apparatus according to an embodiment of the present invention;
FIG. 7 illustrates a schematic structural diagram of a computer system suitable for use with the electronic device to implement an embodiment of the invention.
Detailed Description
Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art.
Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to provide a thorough understanding of embodiments of the invention. One skilled in the relevant art will recognize, however, that the invention may be practiced without one or more of the specific details, or with other methods, components, devices, steps, and so forth. In other instances, well-known methods, devices, implementations or operations have not been shown or described in detail to avoid obscuring aspects of the invention.
The block diagrams shown in the figures are functional entities only and do not necessarily correspond to physically separate entities. I.e. these functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor means and/or microcontroller means.
The flow charts shown in the drawings are merely illustrative and do not necessarily include all of the contents and operations/steps, nor do they necessarily have to be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the actual execution sequence may be changed according to the actual situation.
In the prior art, the collection and settlement of policy data generally needs a long time, and the time span is large, and the policy data is generally filed and deleted at a fixed time interval for processing the policy data, so that some policies are not settled and corresponding settlement related data are filed and deleted, which may cause related data loss; moreover, when the policy data amount is large, the timeliness of the processing is poor, which may cause the memory occupancy of the system to be too large, resulting in slow system operation and low processing efficiency of the policy data. Therefore, the policy data processing method in the prior art cannot effectively process the policy data, and the timeliness and the processing efficiency of the policy data processing method need to be improved.
In this embodiment, a policy data processing method is provided first, which overcomes, at least to some extent, the defects that the policy data processing method provided in the prior art may cause data loss, poor timeliness, and low processing efficiency.
Fig. 1 schematically shows a flowchart of a policy data processing method according to an embodiment of the present invention, and an execution subject of the policy data processing method may be a server that processes policy data.
Referring to fig. 1, a policy data processing method according to an embodiment of the present invention includes the steps of:
step S101, acquiring policy data to be processed;
step S102, extracting underwriting data from the to-be-processed insurance policy data based on underwriting time, and generating an receivable insurance certificate based on the underwriting data;
step S103, extracting the guarantee-refunding data from the policy data to be processed based on the guarantee-refunding time, and generating a guarantee-refunding certificate based on the guarantee-refunding data;
step S104, extracting settlement data from the policy data to be processed based on the settlement ticket number, and generating a collection voucher based on the settlement data;
and step S105, filing the underwriting data, the refunding data and the settlement data.
In the technical solution provided in the embodiment shown in fig. 1, by acquiring the to-be-processed policy data, on one hand, the underwriting data is extracted from the to-be-processed policy data based on the underwriting time, and the receivable premium voucher is generated based on the underwriting data, so that the receivable premium voucher can be accurately generated; on the other hand, the guarantee-refunding data is extracted from the policy data to be processed based on the guarantee-refunding time, and the guarantee-refunding voucher is generated based on the guarantee-refunding data, so that the generation speed and the generation efficiency of the guarantee-refunding voucher can be improved, and the guarantee-refunding voucher can be generated in time; furthermore, the settlement data is extracted from the policy data to be processed based on the settlement ticket number, and the collection voucher is generated based on the settlement data, so that the situations that the time span is too long and collection cannot be performed can be avoided, and the generation efficiency and accuracy of the collection voucher are improved; furthermore, by filing the underwriting data, the underwriting data and the settlement data, the data volume of the system can be reduced under the condition of ensuring the normal generation of the related certificates, and further, the operation speed of the system and the processing efficiency of the policy data are improved.
The following describes the specific implementation of each step in fig. 1 in detail:
in step S101, policy data to be processed is acquired.
In an exemplary embodiment, the pending policy data may be underwriting data for the user, such as: the user enters into an insurance contract with the insurance company and pays the insurance fee according to the insurance contract. The pending policy data may also be the user's rebate data, such as: after the insurance contract is made, the user terminates the insurance contract with the insurance company by agreement or according to the national law, and cancels the data generated by the policy making process. The pending policy data may also be settlement data for the user, such as: the user pays the insurance company with related payment data generated by paying the insurance premium regularly or irregularly.
In an exemplary embodiment, the policy data to be processed may be obtained in the policy, so as to perform the processing procedure described in step S102-step S105 on the policy data.
In step S102, underwriting data is extracted from the to-be-processed policy data based on the underwriting time, and an chargeable premium voucher is generated based on the underwriting data.
In an exemplary embodiment, underwriting is the process of an insurance company passing an audit of a user and agreeing to accept its request for an application after the user submits the application material for the application to the insurance company; the underwriting time is the time when the insurance company successfully passes the audit.
In an exemplary embodiment, the underwriting data includes underwriting policy data and underwriting liability data. Underwriting policy data, namely related policy data in the underwriting process of the user; underwriting responsibility data, i.e., the relevant responsibility data in the underwriting data during the underwriting process of the user, each piece of underwriting data may generate a plurality of pieces of insurance responsibility data, such as: if the user purchases a "synthetic contingency" policy, the relevant underwriting responsibility data may be: "accidental injury" insurance responsibility data and "accidental medical" insurance responsibility data.
In an exemplary embodiment, fig. 2 schematically shows a flowchart of a policy data processing method according to another embodiment of the present invention, and specifically shows a flowchart of extracting underwriting data from the to-be-processed policy data based on the underwriting time and generating an chargeable payment voucher based on the underwriting data, and the step S102 is explained below with reference to fig. 2.
In step S201, underwriting policy data is extracted from the pending policy data based on the underwriting time.
In an exemplary embodiment, the underwriting policy data may be extracted from the pending policy data based on the underwriting time, for example: underwriting policy data may be extracted as needed with an underwriting time before a particular date. By extracting the underwriting data based on the underwriting time (each underwriting policy to be processed has corresponding underwriting time), all underwriting policy data can be extracted from the policy data to be processed according to corresponding time limits, and further, a large amount of disordered policy data can be ordered, and data omission or loss is avoided.
In step S202, the underwriting policy data is split to obtain underwriting responsibility data.
In an exemplary embodiment, after extracting the underwriting policy data, the underwriting policy data may be split to obtain underwriting responsibility data. For example: splitting a comprehensive accident insurance policy purchased by a user into accident injury responsibility data and accident medical responsibility data; namely, acquiring the 'accidental injury' underwriting responsibility data and the 'accidental medical' underwriting responsibility data by splitting the underwriting policy data.
In step S203, an accounts receivable premium voucher is generated based on the underwriting policy data and the underwriting responsibility data.
In an exemplary embodiment, the payable premium may be a policy requiring periodic payable of a premium for a insurance contract agreement, the insurance company confirms the first payable premium on the date of starting to assume insurance responsibility, and confirms the payable premium of each corresponding period on each subsequent period of the insurance contract agreement, and the payable premium certificate may be generated according to the underwriting policy data and the insurance responsibility data of the user. For example: the insurance acceptance time and the insurance acceptance mechanism can be confirmed according to the insurance acceptance policy of the user, and then insurance responsibility (accidental injury and accidental medical treatment) and the corresponding payment amount are confirmed according to the insurance acceptance responsibility data, and then the corresponding insurance certificate which can be paid is generated after the user pays the fee. By generating the receivable premium voucher based on the underwriting data, related data omission can be avoided, and the accuracy of generating the receivable premium voucher is improved.
With continued reference to fig. 1, in step S103, the guarantee-back data is extracted from the to-be-processed policy data based on the guarantee-back time, and a guarantee-back voucher is generated based on the guarantee-back data.
In an exemplary embodiment, the process of canceling the policy is performed by the user after the insurance contract is made, by the user ending the insurance contract with the insurance company by agreement or according to the national law. The time of the retirement is the time of the logout of the policy.
In an exemplary embodiment, the refund data includes the refund policy data and the refund responsibility data. The insurance policy data is data generated during the process of canceling the insurance contract by the user, such as: the time of the refund, the safety mechanism, etc.; the insurance policy data is related to the responsibility data in the insurance policy data in the process of the user's insurance cancellation, and each piece of the insurance policy data may generate a plurality of pieces of insurance policy data, such as: if the user purchases a "synthetic contingency" policy, the associated liability data may be: "accidental injury" insurance responsibility data and "accidental medical" insurance responsibility data. By generating the vouchers for the insurance premiums based on the insurance premiums, the accuracy of generating the insurance premiums is improved.
In an exemplary embodiment, fig. 3 schematically shows a flowchart of a policy data processing method according to still another embodiment of the present invention, and specifically shows a flowchart of extracting the guarantee-refund data from the policy data to be processed based on the guarantee-refund time and generating the guarantee-refund voucher based on the guarantee-refund data, and the step S103 is explained below with reference to fig. 3.
In step S301, the guarantee-release data is extracted from the guarantee-release data to be processed based on the guarantee-release time.
In an exemplary embodiment, the pull-out warranty data may be extracted from the pending warranty data based on the time of the refund, such as: the warranty claim data may be extracted as needed with the warranty time prior to a particular date. By extracting the guarantee-release policy data based on the guarantee-release time (each to-be-processed guarantee-release policy has corresponding guarantee-release time), all to-be-processed guarantee-release policies can be comprehensively covered, and data omission or loss in the processing process is avoided.
In step S302, the guarantee-release policy data is split to obtain the guarantee-release liability data.
In an exemplary embodiment, after the withdrawal policy data is extracted, the withdrawal policy data may be split to obtain the withdrawal liability data. For example: the comprehensive accident insurance policy purchased by the user is split into accident injury responsibility data and accident medical care responsibility data, namely the accident injury insurance liability data and the accident medical care insurance liability data are obtained by splitting the insurance policy reimbursement data.
In step S303, a vouching token is generated based on the vouching policy data and the vouching responsibility data.
In an exemplary embodiment, the refund credential may be a credential generated when the user logs off the insurance contract and pays the refund-related fee. The vouchers for the rebate may be generated from the rebate policy data and the rebate liability data, for example: the method can obtain the insurance time and the insurance mechanism based on the insurance policy data, further obtain related insurance liability data based on the insurance policy data, and further generate corresponding insurance certificate after the user pays the fee. By generating the guarantee-refund voucher based on the guarantee-refund policy data and the guarantee-refund responsibility data, related data omission can be avoided, and the accuracy of generating the guarantee-refund voucher is improved.
With continued reference to fig. 1, in step S104, settlement data is extracted from the pending policy data based on the settlement ticket number, and a receipt voucher is generated based on the settlement data.
In an exemplary embodiment, the statement of account number is the sequence number of each pending statement of account, each pending statement of account corresponds to a unique statement of account number, similar to a person's identification number, and thus, extracting the statement of account data based on the statement of account number can ensure the accuracy of the extracted data.
In an exemplary embodiment, the settlement data may be data related to a user's periodic settlement of insurance premiums, the settlement data including settlement policy data and settlement detail data. Settlement policy data may be relevant data generated by the user during the settlement policy, such as: a collection bank, collection time, a corresponding insurance mechanism and the like; the settlement detail data may be related details in settlement policy data, such as: insurance responsibility particulars, collection amount particulars and the like.
In an exemplary embodiment, fig. 4 schematically shows a flowchart of a policy data processing method according to another embodiment of the present invention, and specifically shows a flowchart of extracting settlement data from the pending policy data based on a settlement ticket number and generating a receipt voucher based on the settlement data, and the step S104 is explained below with reference to fig. 4.
In step S401, settlement policy data is extracted from the pending policy data based on the settlement policy number.
In an exemplary embodiment, settlement policy data may be extracted from pending policy data based on a settlement policy number, such as: the corresponding unique settlement policy data can be extracted according to a certain settlement policy number.
In step S402, the settlement policy data is associated with the pending policy data to obtain settlement detail data.
In an exemplary embodiment, the settlement details data is user's settlement details data (e.g., insurance responsibility details, collection amount details, etc.). The obtained settlement policy data can be associated with pending policy data to obtain settlement detail data. The specific association process may be: acquiring insurance responsibility data from the policy data to be processed, wherein the insurance responsibility data is that property loss or personal insurance accidents occur in the insurance responsibility range after the user applies insurance, and an insurance company needs to carry out related insurance responsibility payment or compensation on the user within the guarantee amount of an insurance contract, so that the related data generated in the payment or compensation process of the insurance company is the insurance responsibility data; after obtaining insurance responsibility data, settlement detail data may be obtained based on the settlement policy data and the insurance responsibility data. For example: after the settlement policy data is obtained, insurance responsibility data in the policy data to be processed can be obtained first, and then settlement detail data is obtained based on the insurance responsibility data and the settlement policy data.
In step S403, a receipt voucher is generated based on the settlement policy data and the settlement detail data.
In an exemplary embodiment, after obtaining the settlement policy data and the settlement detail data, a receipt voucher may be generated by way of differential settlement based on the settlement policy data and the settlement detail data. Exemplary, it may be: and subtracting the 'refund amount' from the 'underwriting amount' related in the settlement policy data and the settlement detail data within a certain period of time to obtain the collection amount, and further generating a collection voucher.
With continued reference to fig. 1, in step S105, the underwriting data, the refunding data, and the settlement data are filed.
In an exemplary embodiment, the archiving process first stores the data in the database, and then deletes the data stored in the database after a predetermined time interval. After generating the chargeable warranty, filing the underwriting data; after generating the vouchers for the rebate, the rebate data may be archived; after the receipt voucher is generated, the calculation data may be archived.
In an exemplary embodiment, fig. 5 schematically shows a flowchart of a policy data processing method according to an embodiment of the present invention, specifically shows a flowchart of archiving the premium voucher, the refund voucher, and the collection voucher, and the step S105 is explained below with reference to fig. 5.
In step S501, the underwriting data, the refund data, and the settlement data are moved to a database.
In an exemplary embodiment, the underwriting data may be moved to a database after the chargeable warranty is generated; after generating the vouchers for refund, moving the refund data to a database; after the receipt voucher is generated, the settlement data is moved to a database.
In step S502, after a preset time interval, the underwriting data, the refunding data, and the settlement data are deleted from the database.
In an exemplary embodiment, after a preset time interval, for example: after two weeks or one month intervals, underwriting data, the refund data, and the settlement data may be deleted from the database. By filing the related data after generating the voucher, the situation that the related data cannot be found when the voucher needs to be generated can be avoided, the memory occupation of the system can be reduced, and the processing speed of the policy data is improved.
Embodiments of the apparatus of the present invention are described below, which can be used to implement the policy data processing method of the present invention.
Fig. 6 schematically shows a block diagram of an policy data processing apparatus according to an embodiment of the present invention, which may be provided in a server that processes policy data.
Referring to FIG. 6, a block diagram 600 of a policy data processing apparatus according to an embodiment of the invention includes the following modules: the obtaining module 601, the first generating module 602, the second generating module 603, the third generating module 604, and the processing module 605, which are described in detail below:
the obtaining module 601 is configured to obtain policy data to be processed.
In an exemplary embodiment, the obtaining module is configured to obtain the policy data to be processed before processing the policy data. The pending policy data may be underwriting data for the user, such as: the user and the insurance company sign an insurance contract, and pay the relevant data generated in the process of insurance fee according to the insurance contract; the pending policy data may be the user's rebate data, such as: after the insurance contract is signed, the user terminates the insurance contract with the insurance company through agreement or according to the national law, and cancels the data generated in the process of the policy; the pending policy data may also be settlement data for the user, such as: the user pays the insurance company with related payment data generated by paying the insurance premium regularly or irregularly.
A first generating module 602, configured to extract underwriting data from the to-be-processed policy data based on underwriting time, and generate an receivable premium voucher based on the underwriting data.
In an exemplary embodiment, the underwriting data includes: underwriting policy data and underwriting liability data; the first generation module is used for extracting underwriting policy data from the to-be-processed policy data based on underwriting time, such as: underwriting policy data may be extracted as needed with an underwriting time before a particular date. By extracting the underwriting data based on the underwriting time (each underwriting policy to be processed has corresponding underwriting time), all underwriting policy data can be extracted from the policy data to be processed according to corresponding time limits, and further, a large amount of disordered policy data can be ordered, and data omission or loss is avoided. Further, the underwriting policy data is split to obtain underwriting responsibility data, such as: splitting a comprehensive accident insurance policy purchased by a user into accident injury responsibility data and accident medical responsibility data; namely, acquiring the 'accidental injury' underwriting responsibility data and the 'accidental medical' underwriting responsibility data by splitting the underwriting policy data. Further, an accrued premium voucher is generated based on the underwriting policy data and the underwriting liability data.
A second generating module 603, configured to extract, based on the guarantee-release time, guarantee-release data from the policy data to be processed, and generate a guarantee-release voucher based on the guarantee-release data.
In an exemplary embodiment, the rebate data comprises: the second generation module is used for extracting the guarantee-release policy data from the to-be-processed guarantee-release data based on the guarantee-release time, such as: the warranty claim data may be extracted as needed with the warranty time prior to a particular date. By extracting the guarantee-release policy data based on the guarantee-release time (each to-be-processed guarantee-release policy has corresponding guarantee-release time), all to-be-processed guarantee-release policies can be comprehensively covered, and data omission or loss in the processing process is avoided. Splitting the guarantee-reimbursement policy data to obtain guarantee-reimbursement liability data, for example: the comprehensive accident insurance policy purchased by the user is split into accident injury responsibility data and accident medical care responsibility data, namely the accident injury insurance liability data and the accident medical care insurance liability data are obtained by splitting the insurance policy reimbursement data. Further, a vouching document is generated based on the guarantee-release policy data and the guarantee-release liability data.
A third generating module 604, configured to extract settlement data from the to-be-processed policy data based on the settlement ticket number, and generate a receipt voucher based on the settlement data.
In an exemplary embodiment, the settlement data includes: settlement policy data and settlement detail data; a third generation module is used for extracting settlement policy data from the pending policy data based on the settlement policy number, such as: the corresponding unique settlement policy data can be extracted according to a certain settlement policy number. Further, the settlement policy data is associated with the to-be-processed policy data to obtain settlement detail data, and the specific association process may be: acquiring insurance responsibility data from the policy data to be processed, wherein the insurance responsibility data is that property loss or personal insurance accidents occur in the insurance responsibility range after the user applies insurance, and an insurance company needs to carry out related insurance responsibility payment or compensation on the user within the guarantee amount of an insurance contract, so that the related data generated in the payment or compensation process of the insurance company is the insurance responsibility data; after obtaining insurance responsibility data, settlement detail data may be obtained based on the settlement policy data and the insurance responsibility data. For example: after the settlement policy data is obtained, insurance responsibility data in the policy data to be processed can be obtained first, and then settlement detail data is obtained based on the insurance responsibility data and the settlement policy data. Further, a receipt voucher is generated based on the settlement policy data and the settlement detail data.
The processing module 605 is configured to archive the underwriting data, and the settlement data.
In an exemplary embodiment, the processing module is to move the underwriting data to a database after generating the chargeable payment credential; after generating the vouchers for refund, moving the refund data to a database; after the receipt voucher is generated, the settlement data is moved to a database.
In an exemplary embodiment, after a preset time interval, for example: after two weeks or one month intervals, the processing module may delete underwriting data, the refund data, and the settlement data from the database. By filing the related data after generating the voucher, the situation that the related data cannot be found when the voucher needs to be generated can be avoided, the memory occupation of the system can be reduced, and the processing speed of the policy data is improved.
For details that are not disclosed in the embodiments of the apparatus of the present invention, reference is made to the above-described embodiments of the policy data processing method of the present invention for the functional modules of the policy data processing apparatus according to the exemplary embodiment of the present invention correspond to the steps of the above-described exemplary embodiment of the policy data processing method.
Referring now to FIG. 7, shown is a block diagram of a computer system 700 suitable for use with the electronic device implementing an embodiment of the present invention. The computer system 700 of the electronic device shown in fig. 7 is only an example, and should not bring any limitation to the function and the scope of use of the embodiments of the present invention.
As shown in fig. 7, the computer system 700 includes a Central Processing Unit (CPU)701, which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. In the RAM 703, various programs and data necessary for system operation are also stored. The CPU 701, the ROM 702, and the RAM 703 are connected to each other via a bus 704. An input/output (I/O) interface 705 is also connected to bus 704.
The following components are connected to the I/O interface 705: an input portion 706 including a keyboard, a mouse, and the like; an output section 707 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 708 including a hard disk and the like; and a communication section 709 including a network interface card such as a LAN card, a modem, or the like. The communication section 709 performs communication processing via a network such as the internet. A drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that a computer program read out therefrom is mounted into the storage section 708 as necessary.
In particular, according to an embodiment of the present invention, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the invention include a computer program product comprising a computer program embodied on a computer-readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 709, and/or installed from the removable medium 711. The computer program executes the above-described functions defined in the system of the present application when executed by the Central Processing Unit (CPU) 701.
It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units described in the embodiments of the present invention may be implemented by software, or may be implemented by hardware, and the described units may also be disposed in a processor. Wherein the names of the elements do not in some way constitute a limitation on the elements themselves.
As another aspect, the present application also provides a computer-readable medium, which may be contained in the electronic device described in the above embodiments; or may exist separately without being assembled into the electronic device. The computer readable medium carries one or more programs which, when executed by the electronic device, cause the electronic device to implement the policy data processing method as described in the above embodiments.
For example, the electronic device may implement the following as shown in fig. 1: step S101, acquiring policy data to be processed; step S102, extracting underwriting data from the to-be-processed insurance policy data based on underwriting time, and generating an receivable insurance certificate based on the underwriting data; step S103, extracting the guarantee-refunding data from the policy data to be processed based on the guarantee-refunding time, and generating a guarantee-refunding certificate based on the guarantee-refunding data; step S104, extracting settlement data from the policy data to be processed based on the settlement ticket number, and generating a collection voucher based on the settlement data; and step S105, filing the underwriting data, the refunding data and the settlement data.
As another example, the electronic device may implement the steps shown in any of fig. 2-5.
It should be noted that although in the above detailed description several modules or units of the device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functionality of two or more modules or units described above may be embodied in one module or unit, according to embodiments of the invention. Conversely, the features and functions of one module or unit described above may be further divided into embodiments by a plurality of modules or units.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiment of the present invention can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which can be a personal computer, a server, a touch terminal, or a network device, etc.) to execute the method according to the embodiment of the present invention.
Other embodiments of the invention will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the invention following, in general, the principles of the invention and including such departures from the present disclosure as come within known or customary practice within the art to which the invention pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the invention being indicated by the following claims.
It will be understood that the invention is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the invention is limited only by the appended claims.
Claims (7)
1. A policy data processing method, comprising:
acquiring policy data to be processed; the policy data to be processed comprises underwriting data, refunding data and settlement data; the insurance acceptance data is data generated in the process of signing an insurance contract and paying a premium for a user; the guarantee-back data is data generated in the process that the user logs out the insurance policy; the settlement data is payment data generated by paying premium to an insurance company regularly or irregularly by the user;
extracting underwriting data from the to-be-processed insurance policy data based on underwriting time, and generating an receivable insurance certificate based on the underwriting data; the underwriting time is the time when the insurance company successfully passes the audit;
extracting the guarantee-refunding data from the policy data to be processed based on the guarantee-refunding time, and generating a guarantee-refunding certificate based on the guarantee-refunding data; the rebate data comprises: a warranty data and a liability data; the extracting of the guarantee-release data from the policy data to be processed based on the guarantee-release time and the generating of the guarantee-release voucher based on the guarantee-release data comprise: extracting the insurance policy data from the insurance policy data to be processed based on the insurance policy time; splitting the insurance policy data to obtain insurance liability data; generating a warranty refund voucher based on the warranty refund data and the liability refund data;
extracting settlement data from the policy data to be processed based on the settlement ticket number, and generating a collection voucher based on the settlement data; the settlement data includes: settlement policy data and settlement detail data; the method for extracting settlement data from the policy data to be processed based on the settlement order number and generating a collection voucher based on the settlement data comprises the following steps: extracting settlement policy data from the to-be-processed policy data based on a settlement policy number; associating the settlement policy data with the policy data to be processed to obtain settlement detail data; generating a collection voucher based on the settlement policy data and the settlement detail data;
filing the underwriting data, the refunding data and the settlement data;
the archiving processing of the premium voucher, the refund voucher and the collection voucher comprises the following steps:
moving the underwriting data, and the settlement data into a database;
and after a preset time interval, deleting the underwriting data, the refunding data and the settlement data from the database.
2. The method of claim 1, wherein the underwriting data comprises: underwriting policy data and underwriting liability data;
the step of extracting underwriting data from the to-be-processed insurance policy data based on underwriting time and generating an receivable insurance certificate based on the underwriting data comprises the following steps:
extracting underwriting policy data from the to-be-processed policy data based on underwriting time;
splitting the underwriting policy data to obtain underwriting responsibility data;
generating an accrued premium voucher based on the underwriting policy data and the underwriting liability data.
3. The method of claim 1, wherein said associating said settlement policy data with said pending policy data to obtain settlement detail data comprises:
acquiring insurance responsibility data from the policy data to be processed;
and obtaining settlement detail data based on the settlement policy data and the insurance responsibility data.
4. The method of claim 3, wherein generating a receipt credential based on the settlement policy data and the settlement detail data comprises:
and generating a collection voucher through difference settlement based on the settlement bill data and the settlement detail data.
5. A policy data processing apparatus, comprising:
the acquisition module is used for acquiring policy data to be processed; the policy data to be processed comprises underwriting data, refunding data and settlement data; the insurance acceptance data is data generated in the process of signing an insurance contract and paying a premium for a user; the guarantee-back data is data generated in the process that the user logs out the insurance policy; the settlement data is payment data generated by paying premium to an insurance company regularly or irregularly by the user;
the first generation module is used for extracting underwriting data from the to-be-processed insurance policy data based on underwriting time and generating an receivable insurance certificate based on the underwriting data; the underwriting time is the time when the insurance company successfully passes the audit;
the second generation module is used for extracting the guarantee-refunding data from the policy data to be processed based on the guarantee-refunding time and generating a guarantee-refunding certificate based on the guarantee-refunding data; the rebate data comprises: a warranty data and a liability data; the extracting of the guarantee-release data from the policy data to be processed based on the guarantee-release time and the generating of the guarantee-release voucher based on the guarantee-release data comprise: extracting the insurance policy data from the insurance policy data to be processed based on the insurance policy time; splitting the insurance policy data to obtain insurance liability data; generating a warranty refund voucher based on the warranty refund data and the liability refund data;
the third generation module is used for extracting settlement data from the policy data to be processed based on the settlement ticket number and generating a collection voucher based on the settlement data; the settlement data includes: settlement policy data and settlement detail data; the method for extracting settlement data from the policy data to be processed based on the settlement order number and generating a collection voucher based on the settlement data comprises the following steps: extracting settlement policy data from the to-be-processed policy data based on a settlement policy number; associating the settlement policy data with the policy data to be processed to obtain settlement detail data; generating a collection voucher based on the settlement policy data and the settlement detail data;
the processing module is used for filing the underwriting data, the refunding data and the settlement data;
filing the premium voucher, the refund voucher and the collection voucher, wherein the filing process comprises the following steps: moving the underwriting data, and the settlement data into a database; and after a preset time interval, deleting the underwriting data, the refunding data and the settlement data from the database.
6. A computer-readable medium, on which a computer program is stored, which program, when being executed by a processor, carries out a method of processing policy data according to any one of claims 1 to 4.
7. An electronic device, comprising:
one or more processors;
storage means for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to carry out a method of processing policy data according to any one of claims 1 to 4.
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| CN107689007A (en) * | 2017-04-25 | 2018-02-13 | 平安科技（深圳）有限公司 | Tax excellent declaration form voucher generation method, device and computer-readable recording medium |
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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. |
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