CN109727011A - Premium paying method, device, equipment and computer readable storage medium - Google Patents
Premium paying method, device, equipment and computer readable storage medium Download PDFInfo
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Abstract
The invention discloses a kind of premium paying method, device, equipment and computer readable storage mediums, the described method includes: obtaining each user's declaration form, and image analysis is carried out to user's declaration form, to obtain the specifying information of user's declaration form, wherein, the specifying information of user's declaration form includes user's payment account, the specific premium and user's phone number that should hand over premium day, user that should pay；The prompt information that user's declaration form and user's payment account are bound is sent to user's payment account；When receiving binding instruction, user's declaration form and user's payment account are bound；When should hand over premium day described in the arrival, the specific premium that should be paid according to user is withholdd in user's payment account, and sends prompt information to the user terminal when withholing successfully.The present invention can shorten the time of Premium, widen the channel that client pay premium, and the company of improving collects the efficiency of premium, reduce the operating procedure that client pays premium.
Description
Technical field
The present invention relates to premiums to pay field more particularly to a kind of premium paying method, device, equipment and computer-readable
Storage medium.
Background technique
It improves with the development of science and technology with social progress, the insurance awareness of people, consequent is
The growth of declaration form quantity.
In the prior art, after user buys insurance, when later period user needs to continue to pay premium, user generally can only
It carries out paying premium by the sales counter of insurance company, or carries out paying premium by way of bank transfer, and pass through bank
The mode transferred accounts pay that the data volume that premium is handled due to bank is big, has the time difference sent disk and return disk, leads to company all
The premium of client is not collected in real time, and the premium collected generally can just receive after it should hand over day, and whether through insurance
The sales counter of company or the mode of bank transfer carry out paying premium, require user and arrive scene progress paying in person, when
When Field Force is more, user also needs to wait in line, and the time for needing to spend is more, and pays the inefficient of premium,
Cause the experience of user bad.
Summary of the invention
It is a primary object of the present invention to propose a kind of premium paying method, device, equipment and computer-readable storage medium
Matter, it is intended to which premium can not be collected in real time by solving existing premium paying method, the technical issues of inefficiency.
To achieve the above object, the present invention provides a kind of premium paying method, and the premium paying method includes:
Each user's declaration form is obtained, and image analysis is carried out to user's declaration form, to obtain the specific of user's declaration form
Information, wherein the specifying information of user's declaration form includes user's payment account, should to hand over premium day, user that should pay specific
Premium and user's phone number；
The prompt information that user's declaration form and user's payment account are bound is sent to user's payment account；
When receiving binding instruction, user's declaration form and user's payment account are bound；
When should hand over premium day described in the arrival, the specific premium that should be paid according to user, in user's payment account
It withholds, and sends prompt information to the user terminal when withholing successfully.
In addition, to achieve the above object, the present invention also provides a kind of premium paying device, described device includes:
Module is obtained, image analysis is carried out for obtaining each user's declaration form, and to user's declaration form, to obtain use
The specifying information of family declaration form, wherein the specifying information of user's declaration form includes user's payment account, should hand over premium day, user
The specific premium and user's phone number that should be paid；
Sending module, the prompt information for binding user's declaration form and user's payment account are sent to the user
Payment account；
Binding module, for when receiving binding instruction, user's declaration form and user's payment account to be bound；
It withholds module, when for premium day should to be handed over described in the arrival, the specific premium that should be paid according to user, in the use
It withholds in the payment account of family, and sends prompt information to the user terminal when withholing successfully.
In addition, to achieve the above object, the present invention also provides a kind of premiums to pay equipment, the premium pays equipment and includes
It memory, processor and is stored in the premium that can be run on the memory and on the processor and pays program, the guarantor
Expense pays the step of realizing premium paying method as described above when program is executed by the processor.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium
It is stored with premium on storage medium and pays program, the premium, which is paid, realizes premium as described above when program is executed by processor
The step of paying method.
Premium paying method, device, equipment and computer readable storage medium proposed by the present invention, obtain each use first
Family declaration form, and image analysis is carried out to user's declaration form, to obtain the specifying information of user's declaration form, wherein the user
The specifying information of declaration form includes user's payment account, the specific premium that should hand over premium day, user that should pay and subscriber phone number
Code；Then the prompt information that user's declaration form and user's payment account are bound is sent to user's payment account；When connecing
When receiving binding instruction, user's declaration form and user's payment account can be bound；Premium day should be handed over described in the arrival
When, the specific premium that should be paid according to user is withholdd in user's payment account, is not needed user and is arrived insurance in person
The sales counter of company is transferred accounts to bank, shortens the time for paying premium, to improve the efficiency for paying premium, is improved
User experience, while the channel for paying premium is increased, while also not needing user and operating manually, to reduce use
The operating procedure at family；Further, prompt information is sent to the user terminal when withholing successfully, consequently facilitating user is known
Premium pays situation.
Detailed description of the invention
Fig. 1 is the flow diagram of premium paying method first embodiment of the present invention；
Fig. 2 is to carry out image analysis to user's declaration form in premium paying method of the present invention, to obtain user's declaration form
Specifying information the step of refinement flow diagram；
Fig. 3 is a flow diagram of premium paying method second embodiment of the present invention；
Fig. 4 is another flow diagram of premium paying method second embodiment of the present invention；
Fig. 5 is the flow diagram of premium paying method 3rd embodiment of the present invention；
Fig. 6 is the flow diagram of premium paying method fourth embodiment of the present invention；
Fig. 7 is the flow diagram of the 5th embodiment of premium paying method of the present invention；
Fig. 8 is the structural schematic diagram for the hardware running environment that the embodiment of the present invention is related to.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention provides a kind of premium paying method.
Referring to Fig.1, Fig. 1 is the flow diagram of premium paying method first embodiment of the present invention.
In the present embodiment, which includes:
Step S10 obtains each user's declaration form, and carries out image analysis to user's declaration form, to obtain user guarantor
Single specifying information, wherein the specifying information of user's declaration form includes user's payment account, should hand over premium day, user that should pay
The specific premium and user's phone number received；
In the present embodiment, after user and agent sign's declaration form, figure can be carried out to user's declaration form after signature
As analysis, to obtain the specifying information of user's declaration form, wherein the specifying information of user's declaration form includes that user's branch is paid a bill
Family, the specific premium and user's phone number that should hand over premium day, user that should pay；Further, when user's signature is electricity
When sub- declaration form, the extraction of user's electronic insurance policy can be carried out by saving the database of electronic insurance policy, then directly extracts user's electricity
Information in sub- declaration form can be obtained the specifying information of user's electronic insurance policy.
Further, include: referring to Fig. 2, the step S10
Step S11 carries out sensor input processing to user's declaration form, obtains the flat image of user's declaration form；
Step S12 carries out image dividing processing to the flat image, obtains in the text and figure of the flat image
Hold；
Step S13 analyzes the specifying information of user's declaration form according to the text and graphical content.
Further, when user's declaration form is papery declaration form, need to obtain the specific letter of user's declaration form by image analysis
Breath, specifically, image analysis process generally comprise imaging sensor input, image segmentation, pass through imaging sensor input, image
Segmentation can be obtained the content of user's declaration form, wherein sensor input, which refers to, is converted to suitable computer disposal practical object view
Expression-form, be also to convert it to two-dimensional image to be handled and analyzed for three-dimensional object view, image segmentation refers to
The component part of object and it is decomposited from object view image.Component part is made of picture element again.Object view is resolved into this
A kind of hierarchy construction of sample is needed using the knowledge about object in object view.Segmentation can generally be regarded as a decision process,
Its algorithm can be divided into two class of picture point technology and regional development and technology.Picture point technology is to be classified with threshold method to each picture point,
Such as the stroke in character image is found out by the comparison of picture point gray scale and threshold value, to obtain the specific text in user's declaration form
And graphical content, that is, obtain the specifying information of user's declaration form.
The prompt information that user's declaration form and user's payment account are bound is sent to the user and paid by step S20
Account；
After the specifying information for obtaining user's declaration form, the user's branch that can be extracted in user's declaration form specifying information is paid a bill
Family has the user account of payment function, the prompt information for then binding user's declaration form and user's payment account is sent out
It send to user's payment account；I.e. remind user user's declaration form and user's payment account are bound, so as to subsequently through
User's payment account carries out taking off premium；Wherein, when not including user's payment account in the specifying information of user's declaration form,
Then binding prompt information can be sent by telephone number searching user's payment account in the specifying information of user's declaration form
To the user's payment account found.
Step S30 binds user's declaration form and user's payment account when receiving binding instruction；
When user receives binding prompt information, to trigger binding instruction, can connect by clicking confirmation binding
When receiving binding instruction, user's declaration form and user's payment account can be bound；
Step S40, when should hand over premium day described in the arrival, the specific premium that should be paid according to user, in user's branch
It pays a bill and withholds in family, and send prompt information to the user terminal when withholing successfully.
After binding user's declaration form and user's payment account, premium can should be handed over according in user's declaration form
Day, setting is deducted fees the time, when should hand over premium day described in the arrival, the specific premium that should be paid according to user, in user's branch
It pays a bill and withholds in family, paying for premium can be completed, do not need user and be operated manually, paid to improve premium
Efficiency, and carry out taking off premium by payment account, the premium taken off is to arrive account, i.e. user's payment account of company in real time
After taking off premium, the premium that user pays can be collected, there is no similar banks the case where sending disk and return disk, so as to shorten
Company collects the time of premium, further, sends prompt information to the user terminal when withholing successfully, consequently facilitating with
What premium was known at family pays situation.
The premium paying method that the present embodiment proposes obtains each user's declaration form first, and carries out to user's declaration form
Image analysis, to obtain the specifying information of user's declaration form, wherein the specifying information of user's declaration form includes that user's branch is paid a bill
Family, the specific premium and user's phone number that should hand over premium day, user that should pay；Then user's declaration form and user's branch are paid a bill
The prompt information that family is bound is sent to user's payment account；It, can be by user's declaration form when receiving binding instruction
It is bound with user's payment account；When should hand over premium day described in the arrival, the specific premium that should be paid according to user,
It withholds in user's payment account, does not need user and transfer accounts in person to the sales counter of insurance company or to bank, contract
It is short to pay the time of premium, to improve the efficiency for paying premium, user experience is improved, while increasing and paying premium
Channel, while not needing user yet and operating manually, to reduce the operating procedure of user；Further, it is withholing
Send prompt information to the user terminal when success, consequently facilitating user know premium pay situation.
Further, referring to Fig. 3, the premium side of paying of the present invention is proposed based on premium paying method first embodiment of the present invention
Method second embodiment.
In the present embodiment, after the step S30 the step of, further includes:
Step S50, when reach with it is described should hand over premium day corresponding preset time when, check user's payment account
Available balance, and the available balance and the specific premium that the user should pay are compared；
In the present embodiment, it after binding user's declaration form and user's payment account, should be handed over when reaching with described
When premium day corresponding preset time, for example premium day should handed over a few days ago, can further judged in user's payment account
The whether enough payment of premium of remaining sum specifically check the available balance of user's payment account, and by the available balance
It is compared with the specific premium that the user should pay；If the available balance is greater than or equal to the specific guarantor that user should pay
Take, it is determined that user's payment account is enough payment of premium, if the available balance is less than the specific premium that user should pay, really
Determine user's payment account and is not enough to payment of premium；
Step S60, if the available balance of user's payment account is less than the specific premium that user should pay, generation is mentioned
Show information, and the prompt information is sent to user's payment account and the corresponding user terminal of the user's phone number.
Specifically, if the available balance of user's payment account is less than the specific premium that user should pay, it is determined that use
Family payment account is not enough to payment of premium；It needs that user is reminded to be stored in enough remaining sums at this time, is deducted premium so as to subsequent,
Specifically, prompt information is generated with the conclusion of payment of premium according to Sorry, your ticket has not enough value, in the specifying information for then extracting user's declaration form
Telephone number, and and the prompt information is sent to user's payment account and the corresponding user of the user's phone number
Terminal, to remind user to be stored in enough remaining sums, so that it is guaranteed that successfully paying premium.
Further, after reference Fig. 4, the step S50 the step of, further includes:
Step S51, if the available balance of user's payment account is equal to the specific premium that user should pay, default
Whether the amount of money in user's payment account described in monitoring in time changes；
Step S52, when monitoring that the amount of money in user's payment account changes, Xiang Suoshu user terminal is sent
Prompt information；
In the present embodiment, if by comparison, the available balance of user's payment account is equal to the tool that user should pay
Whether body premium, the then amount of money monitored within a preset time in user's payment account change；I.e. within a preset time
Whether monitoring user produces the amount of money from user's payment account or consumes, so as to cause the amount of money of user's payment account
Changed, when monitoring that the amount of money in user's payment account changes, Xiang Suoshu user terminal sends prompt
Information needs to be transferred to the amount of money in time so that premium should be handed over by prompting the remaining sum in user account to be not enough to payment；
Step S53, if the available balance of user's payment account is greater than the specific premium that user should pay, default
Whether the amount of money in user's payment account described in monitoring in time changes；
Step S54 calculates user's branch and pays a bill when monitoring that the amount of money in user's payment account changes
The difference for the specific premium that the available balance at family and user should pay；
Step S55, if the difference is less than the changed amount of money value of the amount of money in user's payment account, to the use
Family terminal sends prompt information.
If the available balance of user's payment account is greater than the specific premium that user should pay, then pre- by comparison
If whether the amount of money in user's payment account described in monitoring in time changes；When monitoring in user's payment account
When the amount of money changes, the available balance of user's payment account is calculated and the difference of specific premium that user should pay；I.e.
The difference for the specific premium that the available balance before the amount of money in user's payment account changes should be paid with user is calculated, then
Difference and the amount of money of active user's payment account corresponding amount of money value that changes are compared, if the difference is less than user
The changed amount of money value of the amount of money in payment account, then illustrate the available balance after user's payment account changes not
It is enough to pay and should hands over premium, it is therefore desirable to which Xiang Suoshu user terminal sends prompt information, so as to the timely deposit amount of user.
The premium paying method that the present embodiment proposes carries out real-time monitoring by the available balance to user's payment account,
Monitor the available balance of user's payment account be not enough to pay should hand over premium when, then to user terminal send prompt information,
So that user is stored in the enough amount of money in time, to guarantee that user successfully pays premium.
Further, referring to Fig. 5, the premium side of paying of the present invention is proposed based on premium paying method first embodiment of the present invention
Method 3rd embodiment.
In the present embodiment, after the step S40 the step of, further includes:
Step S70 sends failure information of withholing, the failure information packet of withholing to the user terminal when withholing failure
Payment on behalf link is included, for user's forwarding；
Step S80, when receiving based on the payment on behalf instruction for paying on behalf link triggering, according to payment on behalf instructions query payment on behalf
Account is simultaneously withholdd.
In the present embodiment, Sorry, your ticket has not enough value in due to user's payment account, causes to take off when premium should be handed over to fail, can
Further to send failure information of withholing to the user terminal, the failure information of withholing includes paying on behalf link, for user
Other users are transmitted to, premium payment on behalf can be completed when receiving prompt information, by clicking to pay on behalf to link in other users；Into
One step, when receiving prompt information, user can also by being transferred to enough available balances in user's payment account, from
And complete taking off for premium；It will be prompted to after information is forwarded in user, pay on behalf link triggering based on described receiving
When paying on behalf instruction, account is payed on behalf according to payment on behalf instructions query and is withholdd.
The premium paying method that the present embodiment proposes sends failure letter of withholing when withholing failure to the user terminal
Breath, the failure information of withholing includes paying on behalf link, for user's forwarding；And pay on behalf what link triggered based on described receiving
When paying on behalf instruction, according to paying on behalf instructions query payment on behalf account and withholing, to realize user's payment account, Sorry, your ticket has not enough value
When, it is payed on behalf by other people, to complete paying for premium.
Further, referring to Fig. 6, the premium side of paying of the present invention is proposed based on premium paying method first embodiment of the present invention
Method fourth embodiment.
In the present embodiment, after the step S40 the step of, further includes:
Step S90 generates electronic invoice according to deducted amount and declaration form specifying information；
Step S100 generates two dimensional code by the electronic invoice, and the two dimensional code is sent to the user terminal,
So that user obtains electronic invoice by the two dimensional code.
In the present embodiment, in success of withholing, i.e., after user successfully pays premium, further according to deducted amount and
Declaration form specifying information generates electronic invoice, then generates two dimensional code by the electronic invoice, and the two dimensional code is sent to
The user terminal, so as to user by the two dimensional code obtain electronic invoice, or convenient for user by the two dimensional code into
Row printing invoice does not need user's initiative and opens to take invoice, reduce use consequently facilitating user obtains the invoice of paid premium
Family obtains the tedious steps of invoice, improves user experience.
Further, referring to Fig. 7, the premium side of paying of the present invention is proposed based on premium paying method first embodiment of the present invention
The 5th embodiment of method.
In the present embodiment, after the step S40 the step of, further includes:
Step S110 judges whether the premium collected is more phase premiums after withholing successfully；
Step S120 merges more phase premiums, and if the premium collected is more phase premiums in merging
Declaration form is carried out afterwards turns paid.
In the present embodiment, further, due to user's payment account available balance deficiency before existing, and cause to detain
Therefore the case where money fails before being withholdd, needs to check that user whether there is the declaration form for failure of withholing before, if depositing
In the declaration form of failure of withholing, then the amount of money for failure of withholing is included in the premium for needing to take off, i.e., it is more in the presence of once user is taken off
The case where phase premium, therefore after withholing successfully, judge whether the premium collected is more phase premiums, if the premium collected
For more phase premiums, then more phase premiums are merged, and carries out declaration form after consolidation and turn paid.To effectively reduce
People operate altogether more phases turn it is paid, reduce artificial number of operations, improve work efficiency, improve the experience of client, can manage
Xie Di, for client after paying premium, fund will not arrive account immediately, although paying party has been completed to pay the bill at this time, due to
Reasons, the beneficiaries such as the delay of System level gray correlation exclusive or do not receive this style actually, and when fund to account, beneficiary is actually received
When fund, then declaration form completion is referred to as to turn paid.System actually receives fund after completing to turn paid, referred to as turns paid.
The embodiment of the present invention further provides for premium paying device, and the premium paying device includes:
Module is obtained, image analysis is carried out for obtaining each user's declaration form, and to user's declaration form, to obtain use
The specifying information of family declaration form, wherein the specifying information of user's declaration form includes user's payment account, should hand over premium day, user
The specific premium and user's phone number that should be paid；
Sending module, the prompt information for binding user's declaration form and user's payment account are sent to the user
Payment account；
Binding module, for when receiving binding instruction, user's declaration form and user's payment account to be bound；
It withholds module, when for premium day should to be handed over described in the arrival, the specific premium that should be paid according to user, in the use
It withholds in the payment account of family, and sends prompt information to the user terminal when withholing successfully.
It should be noted that each embodiment of premium paying device and each embodiment of above-mentioned premium paying method are basic
Identical, in this not go into detail.
In addition, the embodiment of the present invention, which also provides a kind of premium, pays equipment.As shown in figure 8, Fig. 8 is embodiment of the present invention side
The structural schematic diagram for the hardware running environment that case is related to.
It should be noted that Fig. 8 can pay the structural schematic diagram of the hardware running environment of equipment for premium.The present invention is real
It applies a premium and pays equipment and can be PC, the terminal devices such as portable computer.
As shown in figure 8, it may include: processor 1001, such as CPU, network interface 1004, storage that the premium, which pays equipment,
Device 1005, user interface 1003, communication bus 1002.Wherein, communication bus 1002 is for realizing the connection between these components
Communication.User interface 1003 may include display screen (Display), input unit such as keyboard (Keyboard), optional user
Interface 1003 can also include standard wireline interface and wireless interface.Network interface 1004 optionally may include having for standard
Line interface, wireless interface (such as WI-FI interface).Memory 1005 can be high speed RAM memory, be also possible to stable storage
Device (non-volatile memory), such as magnetic disk storage.Memory 1005 optionally can also be independently of aforementioned processing
The storage device of device 1001.
Optionally, it can also include camera, RF (Radio Frequency, radio frequency) circuit, sensing that premium, which pays equipment,
Device, voicefrequency circuit, WiFi module etc..
It will be understood by those skilled in the art that premium shown in Fig. 8 is paid device structure and is not constituted and pays premium
The restriction of equipment may include perhaps combining certain components or different component cloth than illustrating more or fewer components
It sets.
As shown in figure 8, as may include that operating system, network are logical in a kind of memory 1005 of computer storage medium
Letter module, Subscriber Interface Module SIM and premium pay program.Wherein, operating system is to manage and control premium to pay device hardware
With the program of software resource, premium is supported to pay the operation of program and other softwares or program.
Premium shown in Fig. 8 is paid in equipment, and user interface 1003 is mainly used for obtaining data to be transmitted, and output
Prompt information etc., network interface 1004 are mainly used for connecting receiving end, carry out data communication with receiving end；Processor 1001 can be with
For calling the premium stored in memory 1005 to pay program, and the step of executing premium paying method as described above.
Premium of the present invention pays equipment specific embodiment and above-mentioned each embodiment of premium paying method is essentially identical, herein
It repeats no more.
In addition, the embodiment of the present invention also proposes a kind of computer readable storage medium, the computer readable storage medium
On be stored with premium and pay program, the premium, which is paid, realizes premium paying method as described above when program is executed by processor
The step of.
Computer readable storage medium specific embodiment of the present invention and the basic phase of above-mentioned each embodiment of premium paying method
Together, details are not described herein.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row
His property includes, so that the process, method, article or the device that include a series of elements not only include those elements, and
And further include other elements that are not explicitly listed, or further include for this process, method, article or device institute it is intrinsic
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do
There is also other identical elements in the process, method of element, article or device.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in a storage medium
In (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that a terminal device (can be mobile phone, computer, clothes
Business device, air conditioner or the network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of premium paying method, which is characterized in that the premium paying method the following steps are included:
Each user's declaration form is obtained, and image analysis is carried out to user's declaration form, so that the specifying information of user's declaration form is obtained,
Wherein, the specifying information of user's declaration form include user's payment account, the specific premium that should hand over premium day, user that should pay with
And user's phone number；
The prompt information that user's declaration form and user's payment account are bound is sent to user's payment account；
When receiving binding instruction, user's declaration form and user's payment account are bound；
When should hand over premium day described in the arrival, the specific premium that should be paid according to user carries out in user's payment account
It withholds, and sends prompt information to the user terminal when withholing successfully.
2. premium paying method as described in claim 1, which is characterized in that it is described when receiving binding instruction, by user
After the step of declaration form and user's payment account are bound, further includes:
When reach with it is described should hand over premium day corresponding preset time when, check the available balance of user's payment account, and
The available balance and the specific premium that the user should pay are compared；
If the available balance of user's payment account is less than the specific premium that user should pay, prompt information is generated, and will
The prompt information is sent to user's payment account and the corresponding user terminal of the user's phone number.
3. premium paying method as claimed in claim 2, which is characterized in that described to answer the available balance and the user
After the step of specific premium paid compares, further includes:
If the available balance of user's payment account is equal to the specific premium that user should pay, institute is monitored within a preset time
State whether the amount of money in user's payment account changes；
When monitoring that the amount of money in user's payment account changes, Xiang Suoshu user terminal sends prompt information；
If the available balance of user's payment account is greater than the specific premium that user should pay, institute is monitored within a preset time
State whether the amount of money in user's payment account changes；
When monitoring that the amount of money in user's payment account changes, the available balance of user's payment account is calculated
The difference for the specific premium that should be paid with user；
If the difference is less than the changed amount of money value of the amount of money in user's payment account, mentioned to user terminal transmission
Show information.
4. premium paying method as described in claim 1, which is characterized in that described to carry out image point to user's declaration form
Analysis, so that the step of obtaining the specifying information of user's declaration form includes:
Sensor input processing is carried out to user's declaration form, obtains the flat image of user's declaration form；
Image dividing processing is carried out to the flat image, obtains the text and graphical content of the flat image；
The specifying information of user's declaration form is analyzed according to the text and graphical content.
5. premium paying method as described in claim 1, which is characterized in that described when should hand over premium day described in the arrival, root
The specific premium that should be paid according to user, after the step of withholing in user's payment account, further includes:
Failure information of withholing is sent to the user terminal when withholing failure, the failure information of withholing includes paying on behalf link,
For user's forwarding；
When receiving based on the payment on behalf instruction for paying on behalf link triggering, account is payed on behalf according to payment on behalf instructions query and is detained
Money.
6. premium paying method as described in claim 1, which is characterized in that described when should hand over premium day described in the arrival, root
The specific premium that should be paid according to user is withholdd in user's payment account, and when withholing successfully to the user
Terminal was sent after the step of prompt information, further includes:
Electronic invoice is generated according to deducted amount and declaration form specifying information；
Two dimensional code is generated by the electronic invoice, and the two dimensional code is sent to the user terminal, so that user passes through
The two dimensional code obtains electronic invoice.
7. premium paying method as claimed in any one of claims 1 to 6, which is characterized in that described should to hand over premium described in arrival
When day, the specific premium that should be paid according to user is withholdd in user's payment account, and when withholing successfully to institute
After the step of stating user terminal transmission prompt information, further includes:
After withholing successfully, judge whether the premium collected is more phase premiums；
If the premium collected is more phase premiums, more phase premiums are merged, and carries out declaration form after consolidation and turns
It is paid.
8. a kind of premium paying device, which is characterized in that the premium paying device includes:
Module is obtained, carries out image analysis for obtaining each user's declaration form, and to user's declaration form, to obtain user guarantor
Single specifying information, wherein the specifying information of user's declaration form includes user's payment account, should hand over premium day, user that should pay
The specific premium and user's phone number received；
Sending module, the prompt information for binding user's declaration form and user's payment account are sent to the user and pay
Account；
Binding module, for when receiving binding instruction, user's declaration form and user's payment account to be bound；
It withholds module, when for premium day should to be handed over described in the arrival, the specific premium that should be paid according to user, in user's branch
It pays a bill and withholds in family, and send prompt information to the user terminal when withholing successfully.
9. a kind of premium pays equipment, which is characterized in that the premium pays equipment and includes memory, processor and be stored in institute
The premium that stating can run on memory and on the processor pays program, and the premium is paid program and held by the processor
The step of premium paying method as described in any one of claims 1 to 7 is realized when row.
10. a kind of computer readable storage medium, which is characterized in that be stored with premium on the computer readable storage medium and pay
Nanoprogram, the premium, which is paid, realizes that the premium as described in any one of claims 1 to 7 is paid when program is executed by processor
The step of method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810498464.8A CN109727011A (en) | 2018-05-22 | 2018-05-22 | Premium paying method, device, equipment and computer readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810498464.8A CN109727011A (en) | 2018-05-22 | 2018-05-22 | Premium paying method, device, equipment and computer readable storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109727011A true CN109727011A (en) | 2019-05-07 |
Family
ID=66293810
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810498464.8A Pending CN109727011A (en) | 2018-05-22 | 2018-05-22 | Premium paying method, device, equipment and computer readable storage medium |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN109727011A (en) |
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