CN109727016A - Credit payment processing method, device, medium and electronic equipment - Google Patents
Credit payment processing method, device, medium and electronic equipment Download PDFInfo
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- CN109727016A CN109727016A CN201811545149.2A CN201811545149A CN109727016A CN 109727016 A CN109727016 A CN 109727016A CN 201811545149 A CN201811545149 A CN 201811545149A CN 109727016 A CN109727016 A CN 109727016A
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Abstract
The embodiment of the present disclosure is related to information technology field, and providing a kind of credit payment processing method, device, computer-readable medium and electronic equipment, the credit payment processing method includes: to detect to the payout status of insurance products, obtains the order for not completing payment；The credit scoring of user is obtained for the order of the unfinished payment；The credit scoring is compared with default score value, and list of accepting insurance out is decided whether according to comparison result.The embodiment of the present disclosure is during insuring, if user is failed with payment funding, then basis judges the credit scoring of user, if credit scoring can pass through, then execute non-essential payment funding process, completion is accepted insurance out singly, and user higher for credit scoring can reduce the waiting time, promotes user experience.
Description
Technical field
This disclosure relates to information technology field, in particular to a kind of credit payment processing method, device, medium and
Electronic equipment.
Background technique
With the fast development of internet, internet credit payment processing also has become a kind of trend.But it is throwing at present
Protect in process, often have a problem that: payment funding function is combined closely business on line, and the result of payment funding directly determines
It is single out, that is, single part will receive the influence of payment result out, but due to the factors such as some environmental restrictions cause user without
Method completes payment, also can not just go out list, payment module is increasingly obvious to service impact, also gradually influences user experience, leads to line
The premium scale of upper high credit low-risk user group is impacted.
Occur it is above-mentioned cause bad main point of customer churn, experience the reason is that with all kinds of credit systems of society construction
Internet+insurance user demand cannot have been fully met with perfect, traditional payment funding.
Therefore, there is also the places that has much room for improvement in technical solution in the prior art.
It should be noted that information is only used for reinforcing the reason to the background of the disclosure disclosed in above-mentioned background technology part
Solution, therefore may include the information not constituted to the prior art known to persons of ordinary skill in the art.
Summary of the invention
The embodiment of the present disclosure is designed to provide a kind of credit payment processing method, device, medium and electronic equipment, into
And the disadvantage of existing access mechanism safety difference is overcome at least to a certain extent.
Other characteristics and advantages of the disclosure will be apparent from by the following detailed description, or partially by the disclosure
Practice and acquistion.
According to the first aspect of the embodiments of the present disclosure, a kind of credit payment processing method is provided, comprising:
The payout status of insurance products is detected, the order for not completing payment is obtained；
The credit scoring of user is obtained for the order of the unfinished payment；
The credit scoring is compared with default score value, and list of accepting insurance out is decided whether according to comparison result.
In a kind of exemplary embodiment of the disclosure, the insurance products are with waiting period or observation period, and
The insurance products protected by core.
In a kind of exemplary embodiment of the disclosure, the credit scoring for obtaining user, comprising:
According to scoring the factor at least one of or multinomial building credit scoring model, the scoring factor includes: black
List, third party's credit system, the air control of block chain, big data air control and behavioural analysis；
Order based on the unfinished payment extracts basic with user associated by the order of the unfinished payment
Information；
The user basic information is input in the credit scoring model, credit scoring is obtained.
In a kind of exemplary embodiment of the disclosure, it is described according to scoring the factor at least one of or multinomial building believe
With Rating Model, comprising:
For it is described scoring the factor at least one of or it is multinomial carry out credit appraisal respectively, obtained credit is divided into first
Numerical value or second value, wherein first numerical value and the second value are for indicating two kinds of differences in each item rating factor
Evaluation result；
According to the blacklist, third party's credit system, the block chain air control, the big data air control and institute
It states at least one of behavioural analysis credit score or at least two credit score is summed, obtain the credit scoring mould
Type.
In a kind of exemplary embodiment of the disclosure, it is described according to scoring because at least one of or multinomial sub- building letter
With Rating Model, comprising:
For it is described scoring the factor at least one of or it is multinomial carry out credit appraisal respectively, obtained credit is divided into first
Numerical value or second value, wherein first numerical value and the second value are for indicating two kinds of differences in each item rating factor
Evaluation result；
The blacklist, third party's credit system, the block chain air control, the big data air control and described are set
The weight coefficient of at least two scoring factors in behavioural analysis；
It sums according to the credit score of at least two scorings factor and the product of corresponding weight coefficient, obtains institute
State credit scoring model.
In a kind of exemplary embodiment of the disclosure, the credit scoring is compared with default score value, and according to
Comparison result decides whether to accept insurance out single, comprising:
If the comparison result is that the credit scoring is greater than or equal to the default score value, it is determined that the payment tolerance
Phase；
If the payment grace period is not later than the waiting period or observation period of the insurance products, single success of accepting insurance out,
Obtain declaration form；
If the payment grace period is later than the waiting period or observation period of the insurance products, single failure of accepting insurance out.
In a kind of exemplary embodiment of the disclosure, if it is described payment the grace period be not later than the insurance products etc.
To phase or observation period, further includes:
Plan is pressed for payment of in generation, and described press for payment of is designed for that user is reminded to pay the fees before fixed date；
If user completes payment before the fixed date, the declaration form comes into force；
If user does not complete payment, the lapse of policy before the fixed date.
According to the second aspect of the disclosure, a kind of credit payment processing unit is provided, comprising:
Detection module is detected for the payout status to insurance products, obtains the order for not completing payment；
Grading module obtains the credit scoring of user for the order for the unfinished payment；
Single module out for the credit scoring to be compared with default score value, and decides whether according to comparison result
It accepts insurance out single.
According to the third aspect of an embodiment of the present disclosure, a kind of computer-readable medium is provided, computer journey is stored thereon with
Sequence, the step of above-described credit payment processing method is realized when described program is executed by processor.
According to a fourth aspect of embodiments of the present disclosure, a kind of electronic equipment is provided, comprising:
One or more processors；
Storage device, for storing one or more programs, when one or more of programs are one or more of
When processor executes, so that one or more of processors realize above-described credit payment processing method.
The technical solution that the embodiment of the present disclosure provides can include the following benefits:
In the technical solution provided by some embodiments of the present disclosure, on the one hand, during insuring, if user uses
Payment funding failure, then basis judges the credit scoring of user, if credit scoring can pass through, executes inessential
Property payment funding process, completion is accepted insurance out single, and user higher for credit scoring can reduce the waiting time, promote user's body
It tests.On the other hand, by the cross-platform or even inter-trade credit scoring for obtaining user, Claims Resolution risk is reduced, insurance business is improved
Income.
It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not
The disclosure can be limited.
Detailed description of the invention
The drawings herein are incorporated into the specification and forms part of this specification, and shows the implementation for meeting the disclosure
Example, and together with specification for explaining the principles of this disclosure.It should be evident that the accompanying drawings in the following description is only the disclosure
Some embodiments for those of ordinary skill in the art without creative efforts, can also basis
These attached drawings obtain other attached drawings.In the accompanying drawings:
Fig. 1 shows a kind of flow diagram of credit payment processing method according to an embodiment of the present disclosure；
Fig. 2 shows the flow diagrams of step S102 in Fig. 1 in accordance with an embodiment of the present disclosure；
Fig. 3 is shown in the embodiment of the present disclosure for realizing the architecture diagram of above-mentioned credit payment processing method；
Fig. 4 shows the structural schematic diagram of credit payment processing unit according to an embodiment of the present disclosure；
Fig. 5 shows the structural schematic diagram for being suitable for the computer system for the electronic equipment for being used to realize the embodiment of the present disclosure.
Specific embodiment
Example embodiment is described more fully with reference to the drawings.However, example embodiment can be with a variety of shapes
Formula is implemented, and is not understood as limited to example set forth herein；On the contrary, thesing embodiments are provided so that the disclosure will more
Fully and completely, and by the design of example embodiment comprehensively it is communicated to those skilled in the art.
In addition, described feature, structure or characteristic can be incorporated in one or more implementations in any suitable manner
In example.In the following description, many details are provided to provide and fully understand to embodiment of the disclosure.However,
It will be appreciated by persons skilled in the art that can with technical solution of the disclosure without one or more in specific detail,
Or it can be using other methods, constituent element, device, step etc..In other cases, it is not shown in detail or describes known side
Method, device, realization or operation are to avoid fuzzy all aspects of this disclosure.
Block diagram shown in the drawings is only functional entity, not necessarily must be corresponding with physically separate entity.
I.e., it is possible to realize these functional entitys using software form, or realized in one or more hardware modules or integrated circuit
These functional entitys, or these functional entitys are realized in heterogeneous networks and/or processor device and/or microcontroller device.
Flow chart shown in the drawings is merely illustrative, it is not necessary to including all content and operation/step,
It is not required to execute by described sequence.For example, some operation/steps can also decompose, and some operation/steps can close
And or part merge, therefore the sequence actually executed is possible to change according to the actual situation.
For this purpose, the disclosure provides a kind of credit payment processing method, device, medium and electronic equipment, to solve above-mentioned ask
Topic, does specific introduction to the technical solution of the disclosure below.
Fig. 1 shows a kind of flow diagram of credit payment processing method according to an embodiment of the present disclosure, with reference to figure
1, which includes:
Step S101 detects the payout status of insurance products, obtains the order for not completing payment.
Step S102 obtains the credit scoring of user for the order of the unfinished payment.
The credit scoring is compared with default score value, and decides whether to accept insurance according to comparison result by step S103
It is single out.
In technical solution provided by embodiment shown in Fig. 1, on the one hand, during insuring, if user's fund
Payment failure, then basis judges the credit scoring of user, if credit scoring can pass through, executes non-essential money
Golden payment flow is completed to accept insurance out single, and user higher for credit scoring can reduce the waiting time, promote user experience.
On the other hand, by the cross-platform or even inter-trade credit scoring for obtaining user, Claims Resolution risk is reduced, insurance business is improved and receives
Benefit.
The specific implementation of each step of embodiment illustrated in fig. 1 is described in detail below:
In step s101, the payout status of insurance products is detected, obtains the order for not completing payment.
In a kind of exemplary embodiment of the disclosure, the insurance products in the step are with waiting period or observation
Phase, and the insurance products protected by core.It should be noted that even insurance products here are set according to other factors
The length of waiting period is set, then the insurance products also belong to the product of waiting period.
In a kind of exemplary embodiment of the disclosure, for there is waiting period/observation period insurance products, in core, guarantor passes through
Afterwards, if user's payment of premium link cannot complete payment funding because of all kinds of reasons (such as Sorry, your ticket has not enough value, of short duration freezes for card class)
In the case of order, just belong in the step do not complete payment order.
In step s 102, the credit scoring of user is obtained for the order of the unfinished payment.
In a kind of exemplary embodiment of the disclosure, user can be called for the order for not completing payment in the step
Credit scoring system or credit scoring model etc. evaluate the credit scoring of the user of unfinished payment, confirm the user's
The evaluation result of credit scoring or credit grade.
It should be noted that being next situated between by taking credit scoring model as an example to the process for the credit scoring for obtaining user
It continues, but is not limited to the model in disclosure other embodiments.
Fig. 2 shows the flow diagrams for the credit scoring that user is obtained in the step S102 of Fig. 1, specifically include following step
It is rapid:
Step S201, according to scoring the factor at least one of or multinomial building credit scoring model, the scoring because
Son includes: blacklist, third party's credit system, the air control of block chain, big data air control and behavioural analysis.
In a kind of exemplary embodiment of the disclosure, it is situated between below to the effect and data source of each item rating factor
It continues:
1) blacklist, the blacklist can only include the in-company blacklist of insurance business, can also include other guarantors
The blacklist of dangerous mechanism or banking institution then also will simply by the presence of in the blacklist of enterprise or mechanism that these are paid close attention to
During the user pipes off,
2) third party's credit system, since personal credit scoring is that credit services intermediary uses the mathematics specially designed
Model reports recorded content according to personal credit, is assessed personal credit ability, calculated, provide the wind of a people
Dangerous score.Personal credit scoring is higher, and personal credit rating is higher.Personal credit score used by mathematical model select with
Relevant more than the 40 a variable of people's credit, personal essential information, bank credit information, personal payment letter can be divided by summing up
Breath, four class variable of personal capital situation, wherein weight shared by bank credit information is maximum, close to 50%, remaining three class variable institute
It is roughly the same to account for weight, i.e., respectively 17% or so.
3) block chain air control, block chain technology can help information needed for collecting and storing risk control, and information
Once stored permanent record and can not distort.It thus farthest can accurately understand what (ratio when who doing
Such as there is tax evasion, debt is put off indefinitely returning sth. one has borrowed discreditable behavior), various forms of improper activities are found in time, and can be to current
Individual risk's management and risk score.
4) big data air control, on the one hand, can be by qualitative index under line, such as family composition, social circle, personal consumption
Deng judging personal insurance will.On the other hand, by the quantitative target of reference on line, as borrowing enterprise transaction journal, with it is upper
Trade contract, enterprise's tax payment situation, cash reserve, assets value, shareholder's strength, the enterprise practical in downstream control people individual's reference
Report etc. judges whether individual has and pays premium ability.
5) behavioural analysis, behavioural analysis here are mainly that user pays close attention to situation to insuring, such as is obtaining website visiting
Measure master data in the case where, related data are counted, are analyzed, therefrom find user access website rule, and by this
A little rules are combined with net marketing strategy etc., to judge existing customer to the degree of concern of product.Such as, it is stopped according to user
It is shorter (within 3 seconds) in the time of some or certain several insurance products webpages, illustrate the user to the attention rate of insurance products
It is not high, on the contrary, illustrating this if user's time for resting on some or certain several insurance products webpages is very long (15 seconds or more)
User is higher to the attention rate of insurance products.
Based on above-mentioned, which needs to consider multiple platforms and multiple fields during constructing credit scoring model
Information as scoring the factor, so that more comprehensive evaluation is done in the credit scoring to user.Wherein, institute in these scoring factors
The range being related to is directed not only to the information inside insurance business, and being also related to the information of different field, (such as credit appraisal, air control is commented
Valence, behavioural analysis etc.), it can also be related to different technologies means (such as big data and block chain).The factor that scores is more, involved
Industry and field it is more, then the reliability of the credit scoring model obtained is higher.
In a kind of exemplary embodiment of the disclosure, according to scoring the factor at least one of or multinomial building credit comment
Sub-model includes:
For it is described scoring the factor at least one of or it is multinomial carry out credit appraisal respectively, obtained credit is divided into first
Numerical value or second value, wherein first numerical value and the second value are for indicating two kinds of differences in each item rating factor
Evaluation result；According to the blacklist, third party's credit system, the block chain air control, the big data air control
It sums with the credit score of at least one of behavioural analysis credit score or at least two, obtains the credit scoring
Model；Or
For it is described scoring the factor at least one of or it is multinomial carry out credit appraisal respectively, obtained credit is divided into first
Numerical value or second value, wherein first numerical value and the second value are for indicating two kinds of differences in each item rating factor
Evaluation result；Be arranged the blacklist, third party's credit system, the block chain air control, the big data air control and
The weight coefficient of at least two scoring factors in the behavioural analysis；According to it is described at least two scoring the factor credit score and
The product of corresponding weight coefficient is summed, and the credit scoring model is obtained.
Wherein the first numerical value of credit score and second value can be marked with 0 and 1 respectively, can also be carried out with 0 and 5
It marks or 0 and 10 is marked, and the maximum score value marked in the different scoring factors can be identical or different,
This is with no restrictions.If the maximum score value marked in the different scoring factors is different, also needed before carrying out read group total
Different score values is done into normalized, makes different scoring factors scoring benchmark all having the same.
Step S202, the order based on the unfinished payment extract with associated by the order of the unfinished payment
User basic information.
In a kind of exemplary embodiment of the disclosure, for not completing the order of payment, need therefrom to extract correlation
User basic information, e.g., the information such as name, certificate number, cell-phone number of user.
The user basic information is input in the credit scoring model, obtains credit scoring by step S203.
In a kind of exemplary embodiment of the disclosure, which is inquired in each scoring factor based on user basic information
In credit scoring, scoring calculating is then carried out according to computation rule preset in credit scoring model, obtains the letter of the user
With scoring.
The following are the first embodiments of step S203, specifically include, and following at least one schemes can be used and used
The credit score at family:
1) it is directed to the blacklist, when user is in the blacklist, credit score is denoted as 0；When user is not described black
When in list, credit score is denoted as 1；
2) it is directed to third party's credit system, when user is greater than or waits in third party's credit system risk score
When first threshold, credit score is denoted as 1；When user is less than the first threshold in third party's credit system risk score
When, credit score is denoted as 0；
3) it is directed to the block chain air control, when user has record of bad behavior in the block chain air control, credit score is denoted as
0；When user does not have record of bad behavior in the block chain air control, credit score is denoted as 1；
4) it is directed to the big data air control, overall merit is carried out according to the finance of online and offline, consumption, reference situation,
When user has record of bad behavior in the big data air control, credit score is denoted as 0；When user does not have in the big data air control
When record of bad behavior, credit score is denoted as 1；
5) it is directed to the behavioural analysis, when attention rate of the user to the insurance products is lower than second threshold, credit score
It is denoted as 0；When attention rate of the user to the insurance products is equal to or higher than the second threshold, credit score is denoted as 1.
It, can be according to the blacklist, third party's credit system, the block chain air control, institute in a kind of example
The one of which for stating big data air control and the credit score in the behavioural analysis obtains the credit scoring model.
In another example, the blacklist, third party's credit system, the block chain air control, described is selected
At least two credit score in big data air control and the behavioural analysis is summed, and the credit scoring model is obtained.
The following are second of embodiments of step S203, and the credit that following at least one schemes obtain user can be used
Point:
1) it is directed to the blacklist, when user is in the blacklist, credit score is denoted as 0；When user is not described black
When in list, credit score is denoted as 1；
2) it is directed to third party's credit system, when user is greater than or waits in third party's credit system risk score
When first threshold, credit score is denoted as 1；When user is less than the first threshold in third party's credit system risk score
When, credit score is denoted as 0；
3) it is directed to the block chain air control, when user has record of bad behavior in the block chain air control, credit score is denoted as
0；When user does not have record of bad behavior in the block chain air control, credit score is denoted as 1；
4) it is directed to the big data air control, overall merit is carried out according to the finance of online and offline, consumption, reference situation,
When user has record of bad behavior in the big data air control, credit score is denoted as 0；When user does not have in the big data air control
When record of bad behavior, credit score is denoted as 1；
5) it is directed to the behavioural analysis, when attention rate of the user to the insurance products is lower than second threshold, credit score
It is denoted as 0；When attention rate of the user to the insurance products is equal to or higher than the second threshold, credit score is denoted as 1；
6) blacklist, third party's credit system, the block chain air control, the big data air control and institute are set
State the weight coefficient of at least two scoring factors in behavioural analysis；
7) it sums, obtains according to the credit score of at least two scorings factor and the product of corresponding weight coefficient
The credit scoring model.
Certainly for the calculated credit scoring of above two different credit scoring models, judge whether to lead in subsequent step
Out-of-date judgment criteria is also different.
It should be noted that the credit score in above two embodiment in addition to being marked with 1, can also be tied at two kinds
Classification marking is carried out between fruit (i.e. the first numerical value and second value), for example, in the scoring process of third party's credit system,
Labeled as 0 when real credit is divided into 0~10, labeled as 1 when real credit is divided into 10~30, real credit is divided into 3~50 markers
It is denoted as 2, labeled as 3 when real credit is divided into 50~70, labeled as 4 when real credit is divided into 7~90, real credit is divided into 90~
5 are labeled as when 100.
Equally, it is also required to be normalized in calculating process and makes it have identical scoring benchmark, such as when
When tripartite's credit system uses 0,1,2,3,4,5 six grade of classification, the credit score of corresponding blacklist is labeled as remembering in blacklist
It is 0,5 is not denoted as in blacklist.
In addition to above-mentioned credit scoring model, credit scoring can also be obtained using credit scoring audit system shown in table 1:
Table 1
Wherein in table 1 by taking highest is divided into 5 as an example, although not over the mode of quantization to each scoring factor in table 1
Importance is set, but it is also seen that is non-necessary audit project for behavioural analysis.It can be seen based on above-mentioned table 1
Out, for credit scoring accumulated value 20-25/, belong to the user of high credit low-risk, that is, above-mentioned five are commented
At least four pass through in molecular group, then it is assumed that the user is low-risk user；For credit scoring accumulated value 0-15/
Between, belong in the user of low credit high risk, that is, the above-mentioned five item ratings factor and only pass through no more than three, then it is assumed that
The user is high risk user.
In step s 103, the credit scoring is compared with default score value, and is decided whether according to comparison result
It accepts insurance out single.
In a kind of exemplary embodiment of the disclosure, if by taking above-mentioned credit scoring model as an example, by institute in the step
It states credit scoring to be compared with default score value, and list of accepting insurance out is decided whether according to comparison result, specifically include:
If the comparison result is that the credit scoring is greater than or equal to the default score value, it is determined that the payment tolerance
Phase；If the payment grace period is not later than the waiting period or observation period of the insurance products, single success of accepting insurance out is protected
It is single；If the payment grace period is later than the waiting period or observation period of the insurance products, single failure of accepting insurance out.
In a kind of exemplary embodiment of the disclosure, if it is described payment the grace period be not later than the insurance products etc.
To phase or observation period, further includes:
Plan is pressed for payment of in generation, and described press for payment of is designed for that user is reminded to pay the fees before fixed date；
If user completes payment before the fixed date, the declaration form comes into force；
If user does not complete payment, the lapse of policy before the fixed date.
If the step specifically includes for the score-system shown in the above-mentioned table 1:
The accumulative score value of credit scoring divides range in 0-15, and the result of credit rating is low credit high risk, does not allow to hold
It protects；The accumulative score value of credit scoring divides range in 20-25, and the result of credit rating is high credit low-risk, then allows to accept insurance.
Fig. 3 shows for realizing the architecture diagram of above-mentioned credit payment processing method in the embodiment of the present disclosure, as shown in figure 3,
Designing user (i.e. insurer), four part of channel platform, payment platform and credit scoring system, related step in the framework
It is roughly divided into S31~S34 four-stage, specific as follows:
First stage, insure/core guarantor.
As shown in figure 3, in this stage, selection there are the insurance products of waiting period (m days waiting period) class, declaration form letter is filled in
Breath, online submission system carry out core guarantor, and such as fruit stone, guarantor passes through, then enters next stage, that is, paid.
Second stage, intelligence payment and user's scoring.
As shown in figure 3, in this stage, user first carries out conventional payment (such as wechat, Alipay, Internetbank), if often
Rule pay successfully, then system payment confirming information, can normally go out single；If conventional payment failure, is transferred to intelligence and paid
Journey.
It is cumulative according to the corresponding appraisal result of credit scoring for shown in table 1 by calling user credit scoring function
Credit score, accumulative score value divide range in 0-15, and the result of credit rating is low credit high risk, i.e., does not allow to the user not
The insurance order that success is paid is accepted insurance；Accumulative score value divides range in 20-25, and the result of credit rating is the low wind of high credit
Danger, then allowed to accept insurance to the insurance order that the user pays not successfully, into next stage.
In this stage, it is not limited solely to original conventional payment, provides more abundant and hommization branch for user
The mode of paying, that is to say, that even if for high credit low-risk user in the case where routinely paying unsuccessful situation, still can be with
By means of its high credit scoring as means of payment, the insurance order that it is paid not successfully normally enters the stage of accepting insurance.
Phase III accepts insurance out single.
As shown in figure 3, in this stage, carrying out whether intelligence payment passes through according to credit scoring, if do not passed through, going out
Single failure simultaneously informs user；If scoring passes through, and determines that active user pays grace period (n days), if the payment grace period is later than
It is declaration form waiting period/observation period (n > m), single out to fail and inform user；If paying the grace period earlier than declaration form waiting period/observation period (n
≤ m), declaration form is accepted insurance, while being generated and being pressed for payment of plan and inform user.
It should be noted that for credit scoring progress intelligently pay the standard whether passed through can by credit scoring whether
It whether can also be more than minimum requirements as judgment criteria using credit scoring grade more than default score value as judgment criteria.
Fourth stage, non-payment of overdue system surrender.
As shown in figure 3, in this stage, in channel platform according to plan of pressing for payment of to user's push premium notice, if with
Family can pay the fees according to payment plan, then system premium updates paid state, and confirmation premium has been received, and declaration form comes into force；If
User's non-payment of overdue, then system will execute system surrender operation, and notify visitor after success surrender after finally payment time point
Family, lapse of policy.
Based on shown in Fig. 3, for high credit customer in the embodiment of the present disclosure, changing conventional single process out, (insure/core guarantor-
Pay successfully-accept insurance), reduce influence of the payment result to business, single risk (/ core of insuring controlled out by credit scoring system
Guarantor-payment failure-credit rating is high-single out), the risk of user's non-payment of overdue premium is avoided, being applicable in has waiting/observation period (to produce
Product waiting period >=grace period for the payment of fees) product.Furthermore it is also possible to can notify that client's declaration form comes into force situation according to payment situation.
Using process shown in Fig. 3, influence of the payment funding result to traditional underwriting procedures only need to be adjusted, utilizes customers' credit
The scoring of score-system, intelligent decision user is in the case where payment funding failure, if belongs to high credit low-risk user, ties
Perfect intelligence payment user credit score-system is closed (by credit blacklist, third party's credit system, the air control of block chain, big
Data air control, behavioural analysis-are insured product attention rate etc.) support, in framework shown in Fig. 3, by building non-essential money
Gold pays process of accepting insurance, and is planned later according to payment, the risk of non-payment of overdue after control is accepted insurance, as long as completing within the grace period
Payment declaration form comes into force, on the contrary, if user credit scoring can pass through, but declaration form if payment is completed not within the grace period
It can fail.
Based on the above embodiment, under internet+insurance application scenarios, in conjunction with user credit score-system, insurance row
Industry transboundary obtains the mode of potential customers and Gao Claims Resolution risk client, the effectively high low wind that scores of selection with social platform depth cooperation
Dangerous user quickly goes out list, can promote user experience, for waiting period class product and high credit low-risk crowd, guarantees premium rule
Mould；Effectively control risk covered reduces non-payment of overdue risk based on perfect credit system to improve overall efficiency.
In conclusion the credit payment processing method provided using the embodiment of the present disclosure, on the one hand, during insuring,
If user is failed with payment funding, basis judges the credit scoring of user, if credit scoring can pass through,
Non-essential payment funding process is executed, completes to accept insurance out single, user higher for credit scoring can reduce the waiting time,
Promote user experience.On the other hand, by the cross-platform or even inter-trade credit scoring for obtaining user, Claims Resolution risk is reduced, is mentioned
High insurance business income.
The Installation practice of the disclosure introduced below can be used for executing the above-mentioned credit payment processing method of the disclosure.
Fig. 4 shows the structural schematic diagram of credit payment processing unit according to an embodiment of the present disclosure, with reference to Fig. 4, letter
With payment processing device 400, comprising: detection module 401, grading module 802 and single module 403 out.
Detection module 401 obtains the order for not completing payment for detecting to the payout status of insurance products；Scoring
Module 402 is used to obtain the credit scoring of user for the order of the unfinished payment；Single module 403 is used for the letter out
It is compared with scoring with default score value, and list of accepting insurance out is decided whether according to comparison result.
In a kind of exemplary embodiment of the disclosure, detection module 401 has led to waiting period or observation period
The payout status for crossing the insurance products of core guarantor is detected.For there is waiting period/observation period insurance products, in core, guarantor passes through
Afterwards, if user's payment of premium link cannot complete payment funding because of all kinds of reasons (such as Sorry, your ticket has not enough value, of short duration freezes for card class)
In the case of order, just belong in the step do not complete payment order.
In a kind of exemplary embodiment of the disclosure, it can be adjusted in grading module 402 for the order for not completing payment
The credit scoring of the user of unfinished payment is evaluated with user credit score-system or credit scoring model etc., confirmation should
The credit scoring of user or the evaluation result of credit grade.According to blacklist, third party's credit system, the air control of block chain, big number
Credit scoring model is constructed according at least one scoring factor in air control and behavioural analysis, such as can be using directly by credit score
Cumulative summation, or accumulation calculating is carried out according to weight is carried out.
In a kind of exemplary embodiment of the disclosure, single module 403 is obtained according to grading module 402 out credit scoring
It is compared with default score value, if the comparison result is that the credit scoring is greater than or equal to the default score value,
Determine the payment grace period；If the payment grace period is not later than the waiting period or observation period of the insurance products, accept insurance out
Single success, obtains declaration form；If the payment grace period is later than the waiting period or observation period of the insurance products, accept insurance out single
Failure.
In a kind of exemplary embodiment of the disclosure, out after list, plan is pressed for payment of in generation, and described press for payment of is designed for mentioning
The user that wakes up pays the fees before fixed date；If user completes payment before the fixed date, the declaration form comes into force；Such as
Fruit user does not complete payment, the then lapse of policy before the fixed date.
Each functional module and above-mentioned credit payment due to the credit payment processing unit of the example embodiment of the disclosure
The step of example embodiment of processing method, is corresponding, therefore for those undisclosed details in the apparatus embodiments, please refers to
The embodiment of the above-mentioned credit payment processing method of the disclosure.
In conclusion the credit payment processing unit provided using the embodiment of the present disclosure, on the one hand, during insuring,
If user is failed with payment funding, basis judges the credit scoring of user, if credit scoring can pass through,
Non-essential payment funding process is executed, completes to accept insurance out single, user higher for credit scoring can reduce the waiting time,
Promote user experience.On the other hand, by the cross-platform or even inter-trade credit scoring for obtaining user, Claims Resolution risk is reduced, is mentioned
High insurance business income.
Below with reference to Fig. 5, it illustrates the computer systems 500 for the electronic equipment for being suitable for being used to realize the embodiment of the present disclosure
Structural schematic diagram.The computer system 500 of electronic equipment shown in Fig. 5 is only an example, should not be to the embodiment of the present disclosure
Function and use scope bring any restrictions.
As shown in figure 5, computer system 500 includes central processing unit (CPU) 501, it can be read-only according to being stored in
Program in memory (ROM) 502 or be loaded into the program in random access storage device (RAM) 503 from storage section 508 and
Execute various movements appropriate and processing.In RAM503, it is also stored with various programs and data needed for system operatio.CPU
501, ROM 502 and RAM 503 is connected with each other by bus 504.Input/output (I/O) interface 505 is also connected to bus
504。
I/O interface 505 is connected to lower component: the importation 506 including keyboard, mouse etc.；It is penetrated including such as cathode
The output par, c 507 of spool (CRT), liquid crystal display (LCD) etc. and loudspeaker etc.；Storage section 508 including hard disk etc.；
And the communications portion 509 of the network interface card including LAN card, modem etc..Communications portion 505 via such as because
The network of spy's net executes communication process.Driver 510 is also connected to I/O interface 505 as needed.Detachable media 511, such as
Disk, CD, magneto-optic disk, semiconductor memory etc. are mounted on as needed on driver 510, in order to read from thereon
Computer program be mounted into storage section 508 as needed.
Particularly, in accordance with an embodiment of the present disclosure, it may be implemented as computer above with reference to the process of flow chart description
Software program.For example, embodiment of the disclosure includes a kind of computer program product comprising be carried on computer-readable medium
On computer program, which includes the program code for method shown in execution flow chart.In such reality
It applies in example, which can be downloaded and installed from network by communications portion 509, and/or from detachable media
511 are mounted.When the computer program is executed by central processing unit (CPU) 501, executes and limited in the system of the application
Above-mentioned function.
It should be noted that computer-readable medium shown in the disclosure can be computer-readable signal media or meter
Calculation machine readable storage medium storing program for executing either the two any combination.Computer readable storage medium for example can be --- but not
Be limited to --- electricity, magnetic, optical, electromagnetic, infrared ray or semiconductor system, device or device, or any above combination.Meter
The more specific example of calculation machine readable storage medium storing program for executing can include but is not limited to: have the electrical connection, just of one or more conducting wires
Taking formula computer disk, hard disk, random access storage device (RAM), read-only memory (ROM), erasable type may be programmed read-only storage
Device (EPROM or flash memory), optical fiber, portable compact disc read-only memory (CD-ROM), light storage device, magnetic memory device,
Or above-mentioned any appropriate combination.In the disclosure, computer readable storage medium can be it is any include or storage journey
The tangible medium of sequence, the program can be commanded execution system, device or device use or in connection.And at this
In open, computer-readable signal media may include in a base band or as the data-signal that carrier wave a part is propagated,
Wherein carry computer-readable program code.The data-signal of this propagation can take various forms, including but unlimited
In electromagnetic signal, optical signal or above-mentioned any appropriate combination.Computer-readable signal media can also be that computer can
Any computer-readable medium other than storage medium is read, which can send, propagates or transmit and be used for
By the use of instruction execution system, device or device or program in connection.Include on computer-readable medium
Program code can transmit with any suitable medium, including but not limited to: wireless, electric wire, optical cable, RF etc. are above-mentioned
Any appropriate combination.
Flow chart and block diagram in attached drawing are illustrated according to the system of the various embodiments of the disclosure, method and computer journey
The architecture, function and operation in the cards of sequence product.In this regard, each box in flowchart or block diagram can generation
A part of one module, program segment or code of table, a part of above-mentioned module, program segment or code include one or more
Executable instruction for implementing the specified logical function.It should also be noted that in some implementations as replacements, institute in box
The function of mark can also occur in a different order than that indicated in the drawings.For example, two boxes succeedingly indicated are practical
On can be basically executed in parallel, they can also be executed in the opposite order sometimes, and this depends on the function involved.Also it wants
It is noted that the combination of each box in block diagram or flow chart and the box in block diagram or flow chart, can use and execute rule
The dedicated hardware based systems of fixed functions or operations is realized, or can use the group of specialized hardware and computer instruction
It closes to realize.
Being described in unit involved in the embodiment of the present disclosure can be realized by way of software, can also be by hard
The mode of part realizes that described unit also can be set in the processor.Wherein, the title of these units is in certain situation
Under do not constitute restriction to the unit itself.
As on the other hand, present invention also provides a kind of computer-readable medium, which be can be
Included in electronic equipment described in above-described embodiment；It is also possible to individualism, and without in the supplying electronic equipment.
Above-mentioned computer-readable medium carries one or more program, when the electronics is set by one for said one or multiple programs
When standby execution, so that the electronic equipment realizes such as above-mentioned credit payment processing method as described in the examples.
For example, the electronic equipment may be implemented as shown in Figure 1: step S101: to the payment feelings of insurance products
Condition is detected, and the order for not completing payment is obtained；Step S102: the letter of user is obtained for the order of the unfinished payment
With scoring；Step S103: the credit scoring is compared with default score value, and decides whether to accept insurance out according to comparison result
It is single.
It should be noted that although being referred to several modules or list for acting the equipment executed in the above detailed description
Member, but this division is not enforceable.In fact, according to embodiment of the present disclosure, it is above-described two or more
Module or the feature and function of unit can embody in a module or unit.Conversely, an above-described mould
The feature and function of block or unit can be to be embodied by multiple modules or unit with further division.
Through the above description of the embodiments, those skilled in the art is it can be readily appreciated that example described herein is implemented
Mode can also be realized by software realization in such a way that software is in conjunction with necessary hardware.Therefore, according to the disclosure
The technical solution of embodiment can be embodied in the form of software products, which can store non-volatile at one
Property storage medium (can be CD-ROM, USB flash disk, mobile hard disk etc.) in or network on, including some instructions are so that a calculating
Equipment (can be personal computer, server, touch control terminal or network equipment etc.) is executed according to disclosure embodiment
Method.
Those skilled in the art after considering the specification and implementing the invention disclosed here, will readily occur to its of the disclosure
Its embodiment.This application is intended to cover any variations, uses, or adaptations of the disclosure, these modifications, purposes or
Person's adaptive change follows the general principles of this disclosure and including the undocumented common knowledge in the art of the disclosure
Or conventional techniques.The description and examples are only to be considered as illustrative, and the true scope and spirit of the disclosure are by following
Claim is pointed out.
It should be understood that the present disclosure is not limited to the precise structures that have been described above and shown in the drawings, and
And various modifications and changes may be made without departing from the scope thereof.The scope of the present disclosure is only limited by the accompanying claims.
Claims (10)
1. a kind of credit payment processing method characterized by comprising
The payout status of insurance products is detected, the order for not completing payment is obtained；
The credit scoring of user is obtained for the order of the unfinished payment；
The credit scoring is compared with default score value, and list of accepting insurance out is decided whether according to comparison result.
2. credit payment processing method according to claim 1, which is characterized in that the insurance products are with waiting period
Or the observation period, and the insurance products protected by core.
3. credit payment processing method according to claim 1, which is characterized in that the credit scoring for obtaining user,
Include:
According to scoring the factor at least one of or multinomial building credit scoring model, the scoring factor include: blacklist,
Third party's credit system, the air control of block chain, big data air control and behavioural analysis；
Order based on the unfinished payment extracts and user basic information associated by the order of the unfinished payment；
The user basic information is input in the credit scoring model, credit scoring is obtained.
4. credit payment processing method according to claim 3, which is characterized in that it is described according to scoring the factor at least
One or more building credit scoring models, comprising:
For it is described scoring the factor at least one of or it is multinomial carry out credit appraisal respectively, obtained credit is divided into the first numerical value
Or second value, wherein first numerical value and the second value are commented for indicating two different in each item rating factor
Valence result；
According to the blacklist, third party's credit system, the block chain air control, the big data air control and the row
Credit score at least one of analysis credit score or at least two is summed, and the credit scoring model is obtained.
5. credit payment processing method according to claim 3, which is characterized in that at least one according to scoring because in
Item or multinomial sub- building credit scoring model, comprising:
For it is described scoring the factor at least one of or it is multinomial carry out credit appraisal respectively, obtained credit is divided into the first numerical value
Or second value, wherein first numerical value and the second value are commented for indicating two different in each item rating factor
Valence result；
The blacklist, third party's credit system, the block chain air control, the big data air control and the behavior are set
The weight coefficient of at least two scoring factors in analysis；
It sums according to the credit score of at least two scorings factor and the product of corresponding weight coefficient, obtains the letter
Use Rating Model.
6. credit payment processing method according to claim 3, which is characterized in that by the credit scoring and default score value
It is compared, and list of accepting insurance out is decided whether according to comparison result, comprising:
If the comparison result is that the credit scoring is greater than or equal to the default score value, it is determined that the payment grace period；
If the payment grace period is not later than the waiting period or observation period of the insurance products, single success of accepting insurance out is obtained
Declaration form；
If the payment grace period is later than the waiting period or observation period of the insurance products, single failure of accepting insurance out.
7. credit payment processing method according to claim 6, which is characterized in that if the payment grace period is not later than
The waiting period or observation period of the insurance products, the method also includes:
Plan is pressed for payment of in generation, and described press for payment of is designed for that user is reminded to pay the fees before fixed date；
If user completes payment before the fixed date, the declaration form comes into force；
If user does not complete payment, the lapse of policy before the fixed date.
8. a kind of credit payment processing unit characterized by comprising
Detection module is detected for the payout status to insurance products, obtains the order for not completing payment；
Grading module obtains the credit scoring of user for the order for the unfinished payment；
Single module out for the credit scoring to be compared with default score value, and decides whether to accept insurance according to comparison result
It is single out.
9. a kind of computer-readable medium, is stored thereon with computer program, which is characterized in that described program is executed by processor
The step of credit payment processing method of the Shi Shixian as described in any one of claims 1 to 7.
10. a kind of electronic equipment characterized by comprising
One or more processors；
Storage device, for storing one or more programs, when one or more of programs are by one or more of processing
When device executes, so that one or more of processors realize the credit payment processing as described in any one of claims 1 to 7
Method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201811545149.2A CN109727016A (en) | 2018-12-17 | 2018-12-17 | Credit payment processing method, device, medium and electronic equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811545149.2A CN109727016A (en) | 2018-12-17 | 2018-12-17 | Credit payment processing method, device, medium and electronic equipment |
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| Publication Number | Publication Date |
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| CN109727016A true CN109727016A (en) | 2019-05-07 |
Family
ID=66296184
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| CN201811545149.2A Pending CN109727016A (en) | 2018-12-17 | 2018-12-17 | Credit payment processing method, device, medium and electronic equipment |
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Application publication date: 20190507 |