CN109903167A - The method, apparatus and electronic equipment of data are handled in a kind of insurance business - Google Patents
The method, apparatus and electronic equipment of data are handled in a kind of insurance business Download PDFInfo
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- CN109903167A CN109903167A CN201811598599.8A CN201811598599A CN109903167A CN 109903167 A CN109903167 A CN 109903167A CN 201811598599 A CN201811598599 A CN 201811598599A CN 109903167 A CN109903167 A CN 109903167A
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- insurer
- information
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Abstract
The embodiment of the present application provides the method, apparatus and electronic equipment that data are handled in a kind of insurance business, this method comprises: receiving Claims Resolution request, the Claims Resolution request includes insurance contract identification information and the E-consumer record that Insurance Consumption structural establishment generates；Insurance contract content is determined according to the insurance contract identification information；And the credit grade of the Insurance Consumption mechanism of the E-consumer record is generated according to the assessment of preset evaluation scheme, according to the insurance contract content, the credit grade of the E-consumer record and the Insurance Consumption mechanism, carry out Claim payment.
Description
Technical field
This application involves the sides that data are handled in computer data processing technology field more particularly to a kind of insurance business
Method, device and electronic equipment.
Background technique
Insurance business is accepted extensively by society, and the experience that many people have purchase to insure, traditional insurance compensates process substantially
Step includes: that expense occurs for guarantor, obtains relevant evidential material and material is submitted to insurance institution；Insurance institution is to material
Authenticity is audited；Insurance institution notifies user that audit passes through, and user provides collecting account and signs confirmation form；Insurance institution
Internal check, insurance institution make loans.
Based on this, it was found by the inventors of the present invention that existing Claims Resolution complex steps, audit and compensation period are long, and often send out
At the time of the case where raw settlement of insurance claim is insurer's much-needed money, cause insurer's experience poor, therefore, offer in need is convenient fast
The Claims Resolution scheme of speed.
The information disclosed in the background technology section is intended only to increase the understanding to general background of the invention, without answering
When being considered as recognizing or imply that the information constitutes the prior art already known to those of ordinary skill in the art in any form.
Summary of the invention
The purpose of the embodiment of the present application is to provide the method, apparatus and electronic equipment energy that data are handled in a kind of insurance business
It is enough easily and fast to settle a claim for insurer.
In order to solve the above technical problems, the embodiment of the present application is realized by following aspects.
In a first aspect, the embodiment of the present application provides a kind of method for handling data in insurance business, comprising: receive Claims Resolution
Request, the Claims Resolution request include insurance contract identification information and the E-consumer record that Insurance Consumption structural establishment generates；Root
Insurance contract content is determined according to the insurance contract identification information；And the electronics is generated according to the assessment of preset evaluation scheme
The credit grade of the Insurance Consumption mechanism of consumer record, according to the insurance contract content, the E-consumer record and
The credit grade of the Insurance Consumption mechanism carries out Claim payment.
Second aspect, the embodiment of the present application provide the device that data are handled in a kind of insurance business, comprising: receive mould
Block, receives Claims Resolution request, and the Claims Resolution request includes insurance contract identification information and the electronics that Insurance Consumption structural establishment generates
Consumer record；Determining module determines insurance contract content according to the insurance contract identification information；And processing module, according to
Preset evaluation scheme assessment generates the credit grade of the Insurance Consumption mechanism of the E-consumer record, according to the guarantor
The credit grade of dangerous treaty content, the E-consumer record and the Insurance Consumption mechanism, carries out Claim payment.
The third aspect, the embodiment of the present application provide a kind of electronic equipment, comprising: processor；And it is arranged to store
The memory of computer executable instructions, the executable instruction execute following operation using the processor when executed:
Claims Resolution request is received, the Claims Resolution request includes insurance contract identification information and the E-consumer that Insurance Consumption structural establishment generates
Record；Insurance contract content is determined according to the insurance contract identification information；And it is assessed and is generated according to preset evaluation scheme
The credit grade of the Insurance Consumption mechanism of the E-consumer record, disappears according to the insurance contract content, the electronics
Take the credit grade of record and the Insurance Consumption mechanism, carries out Claim payment.
Fourth aspect, the embodiment of the present application provide a kind of computer-readable medium, the computer-readable medium storage
One or more programs, one or more of programs are when the electronic equipment for being included multiple application programs executes, so that institute
It states electronic equipment and executes following operation: receiving Claims Resolution request, the Claims Resolution request includes that insurance contract identification information and insurance disappear
Take the E-consumer record of structural establishment generation；Insurance contract content is determined according to the insurance contract identification information；And root
The credit grade that the Insurance Consumption mechanism of the E-consumer record is generated according to the assessment of preset evaluation scheme, according to described
The credit grade of insurance contract content, the E-consumer record and the Insurance Consumption mechanism, carries out Claim payment.
By the technical solution of above the application as it can be seen that the embodiment of the present application is by receiving Claims Resolution request, the Claims Resolution request
The E-consumer record generated including insurance contract identification information and Insurance Consumption structural establishment；It is identified according to the insurance contract
Information determines insurance contract content；And the insurance of the E-consumer record is generated according to the assessment of preset evaluation scheme
The credit grade for consuming mechanism, according to the insurance contract content, E-consumer record and the Insurance Consumption mechanism
Credit grade carries out Claim payment, can easily and fast settle a claim for insurer.
Detailed description of the invention
In order to illustrate the technical solutions in the embodiments of the present application or in the prior art more clearly, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
The some embodiments recorded in application, for those of ordinary skill in the art, in the premise of not making the creative labor property
Under, it is also possible to obtain other drawings based on these drawings.
Fig. 1 shows a kind of process signal for the method that data are handled in a kind of insurance business provided by the embodiments of the present application
Figure；
Fig. 2 shows another process signals for the method that data are handled in a kind of insurance business provided by the embodiments of the present application
Figure；
Fig. 3 shows another process signal for the method that data are handled in a kind of insurance business provided by the embodiments of the present application
Figure；
Fig. 4 shows another process signal for the method that data are handled in a kind of insurance business provided by the embodiments of the present application
Figure；
Fig. 5 shows another process signal for the method that data are handled in a kind of insurance business provided by the embodiments of the present application
Figure；
Fig. 6 shows the structural schematic diagram that the device of data is handled in a kind of insurance business provided by the embodiments of the present application；
Fig. 7 shows the electronic equipment for executing the method that data are handled in a kind of insurance business provided by the embodiments of the present application
Hardware structural diagram.
Specific embodiment
In order to make those skilled in the art better understand the technical solutions in the application, below in conjunction with the application reality
The attached drawing in example is applied, the technical scheme in the embodiment of the application is clearly and completely described, it is clear that described implementation
Example is merely a part but not all of the embodiments of the present application.Based on the embodiment in the application, this field is common
The application protection all should belong in technical staff's every other embodiment obtained without creative efforts
Range.
Fig. 1 shows a kind of process signal for the method that data are handled in a kind of insurance business provided by the embodiments of the present application
Figure, this method can be executed by electronic equipment, such as terminal device or server device.In other words, the method can be by pacifying
It is executed mounted in the software or hardware of terminal device or server device.The server-side includes but is not limited to: single server,
Server cluster, cloud server or cloud server cluster etc..As shown, this method may comprise steps of.
S10: receiving Claims Resolution request, and Claims Resolution request includes that insurance contract identification information and Insurance Consumption structural establishment generate
E-consumer record.
The server-side of insurance company receives Claims Resolution request, and Claims Resolution request includes insurance contract identification information and Insurance Consumption
The E-consumer record that structural establishment generates.Insurance contract identification information may include insurance contract number etc..
S20: insurance contract content is determined according to the insurance contract identification information.
Determine insurance contract content according to insurance contract identification information, insurance contract content may include insurer's information,
Insurance coverage, insured amount, Claims Resolution mode etc..
S30: the letter of the Insurance Consumption mechanism of the E-consumer record is generated according to the assessment of preset evaluation scheme
It is carried out with grade according to the insurance contract content, the credit grade of the E-consumer record and the Insurance Consumption mechanism
Claim payment.
The method for handling data in a kind of insurance business provided by the embodiments of the present application as a result, by receiving Claims Resolution request,
The Claims Resolution request includes insurance contract identification information and the E-consumer record that Insurance Consumption structural establishment generates；According to described
Insurance contract identification information determines insurance contract content；And the E-consumer is generated according to the assessment of preset evaluation scheme and is remembered
The credit grade of the Insurance Consumption mechanism of record, according to the insurance contract content, E-consumer record and the guarantor
The credit grade of danger consumption mechanism carries out Claim payment, can easily and fast settle a claim for insurer.
Fig. 2 shows another process signals for the method that data are handled in a kind of insurance business provided by the embodiments of the present application
Figure, this method can be executed by electronic equipment, such as terminal device or server device.In other words, the method can be by pacifying
It is executed mounted in the software or hardware of terminal device or server device.The server-side includes but is not limited to: single server,
Server cluster, cloud server or cloud server cluster etc..As shown, this method may comprise steps of.
S10: receiving Claims Resolution request, and Claims Resolution request includes that insurance contract identification information and Insurance Consumption structural establishment generate
E-consumer record.
The server-side of insurance company receives Claims Resolution request, and Claims Resolution request includes insurance contract identification information and Insurance Consumption
The E-consumer record that structural establishment generates.Insurance contract identification information may include insurance contract number etc..
In one possible implementation, this step may include that the server-side reception insurer of insurance company sends
Claims Resolution request.
In one possible implementation, this step may include step S11.
Step S11: the Claims Resolution request that Insurance Consumption structural establishment is sent is received.
The server-side of insurance company receives the Claims Resolution request that Insurance Consumption structural establishment is sent.Specifically, in Insurance Consumption
When structural establishment generates E-consumer record, reason can be generated according to E-consumer record and insurance contract identification information in real time
Request is paid for, and is sent to the server-side of insurance company.
S20: insurance contract content is determined according to the insurance contract identification information.
Determine insurance contract content according to insurance contract identification information, insurance contract content may include insurer's information,
Insurance coverage, insured amount, Claims Resolution mode etc..
S30: the letter of the Insurance Consumption mechanism of the E-consumer record is generated according to the assessment of preset evaluation scheme
It is carried out with grade according to the insurance contract content, the credit grade of the E-consumer record and the Insurance Consumption mechanism
Claim payment.
The method for handling data in a kind of insurance business provided by the embodiments of the present application as a result, by receiving Claims Resolution request,
The Claims Resolution request includes the E-consumer record that insurance contract identification information and Insurance Consumption mechanism generate；According to the insurance
Contract identification information determines insurance contract content；And the E-consumer record is generated according to the assessment of preset evaluation scheme
The credit grade of the Insurance Consumption mechanism disappears according to the insurance contract content, E-consumer record and the insurance
The credit grade for taking mechanism carries out Claim payment, can easily and fast settle a claim for insurer.
Further, the method that data are handled in a kind of insurance business provided by the embodiments of the present application is insured by receiving
The Claims Resolution request that structural establishment is sent is consumed, can be generated and be settled a claim when generating E-consumer record by Insurance Consumption structural establishment
Request Concurrency is sent to the server-side of insurance company, and Claims Resolution process is participated in without insurer, realizes automatic Claims Resolution, improves user experience
Degree.
Fig. 3 shows another process signal for the method that data are handled in a kind of insurance business provided by the embodiments of the present application
Figure, this method can be executed by electronic equipment, such as terminal device or server device.In other words, the method can be by pacifying
It is executed mounted in the software or hardware of terminal device or server device.The server-side includes but is not limited to: single server,
Server cluster, cloud server or cloud server cluster etc..As shown, this method may comprise steps of.
S10: receiving Claims Resolution request, and Claims Resolution request includes that insurance contract identification information and Insurance Consumption structural establishment generate
E-consumer record.
The server-side of insurance company receives Claims Resolution request, and Claims Resolution request includes insurance contract identification information and Insurance Consumption
The E-consumer record that structural establishment generates.Insurance contract identification information may include insurance contract number etc..
In one possible implementation, this step may include that the server-side reception insurer of insurance company sends
Claims Resolution request.
In one possible implementation, this step may include step S11.
Step S11: the Claims Resolution request that Insurance Consumption structural establishment is sent is received.
The server-side of insurance company receives the Claims Resolution request that Insurance Consumption structural establishment is sent.Specifically, in Insurance Consumption
When structural establishment generates E-consumer record, reason can be generated according to E-consumer record and insurance contract identification information in real time
Request is paid for, and is sent to the server-side of insurance company.
S20: insurance contract content is determined according to the insurance contract identification information.
Determine insurance contract content according to insurance contract identification information, insurance contract content may include insurer's information,
Insurance coverage, insured amount, Claims Resolution mode etc..
S30: the letter of the Insurance Consumption mechanism of the E-consumer record is generated according to the assessment of preset evaluation scheme
It is carried out with grade according to the insurance contract content, the credit grade of the E-consumer record and the Insurance Consumption mechanism
Claim payment.
In one possible implementation, this step may include step in detail below.
S31: the equipment transmitting mechanism for the authorities being subordinate to Insurance Consumption mechanism assesses request.
For example, may include hospital to the relevant Insurance Consumption mechanism of medical treatment, the authorities that hospital is subordinate to for example can be with
Including health bureau.
For another example Insurance Consumption relevant to vehicle insurance mechanism may include the shop 4S, the authorities that the shop 4S is subordinate to for example may be used
To include the administration for industry and commerce.The shop 4S be with " quaternity " be core automobile management mode of special permission, including vehicle sale (Sale),
Spare and accessory parts (Sparepart), after-sale service (Service), information feedback (Survey) etc..
Organization evaluation request includes the unique identifier of the Insurance Consumption mechanism carried in E-consumer record, such as pays taxes
People's identifier or unified social credibility code etc..
S32: the information for the Insurance Consumption mechanism that the equipment for receiving the authorities is sent.
The information of the Insurance Consumption mechanism includes mechanism management level, special mention agency ratings, legal representative, number, history letter
One of breath, shareholder's information, mechanism annual report or news public sentiment are a variety of.
For example, receive health bureau send the information about Beijing hospital, such as may include the hospital grade be three
First, legal representative, registered capital, the judgement document for being related to medical tangle etc..
S33: the credit grade of the Insurance Consumption mechanism is determined based on the information of the Insurance Consumption mechanism.
For example, can be front three based on hospital grade, which be determined as high credit grade, can also be related to based on hospital
And medical tangle hospital is determined as low credit grade.
S34: according to insurance contract content, the credit grade of E-consumer record and Insurance Consumption mechanism, Claims Resolution branch is carried out
It pays.
It, can be by the reason of the hospital of high credit grade on the basis of the content of insurance contract agreement and E-consumer record
It pays for amount to be turned up, the Claims Resolution amount of the hospital of low credit grade is reduced.For example, according to the content and electronics of insurance contract agreement
Consumer record should settle a claim several members, then disposably can fully settle a claim for the hospital of high credit grade, for low credit etc.
The hospital of grade can carry out part Claims Resolution, after compensate another part insurance money after the completion of further verifying again.
In one possible implementation, it can will be settled a claim according to the insurer's information for including in insurance contract content
The amount of money pays insurer.
In alternatively possible implementation, in conjunction with shown in attached drawing, can also be recorded according to E-consumer in carry
The information of Insurance Consumption mechanism pays amount for which loss settled to the Insurance Consumption mechanism.In this kind of implementation, insurer is only
It needs to provide insurance contract identification information to Insurance Consumption mechanism before consumption occurs, by Insurance Consumption, mechanism pays for spending amount first
And settled a claim from insurance company, Claims Resolution process is participated in without insurer, further increases user experience.
The method for handling data in a kind of insurance business provided by the embodiments of the present application as a result, by receiving Claims Resolution request,
The Claims Resolution request includes insurance contract identification information and the E-consumer record that Insurance Consumption structural establishment generates；According to described
Insurance contract identification information determines insurance contract content；And the E-consumer is generated according to the assessment of preset evaluation scheme and is remembered
The credit grade of the Insurance Consumption mechanism of record, according to the insurance contract content, E-consumer record and the guarantor
The credit grade of danger consumption mechanism carries out Claim payment, can easily and fast settle a claim for insurer.
Further, the method that data are handled in a kind of insurance business provided by the embodiments of the present application is insured by receiving
The Claims Resolution request that structural establishment is sent is consumed, can be generated and be settled a claim when generating E-consumer record by Insurance Consumption structural establishment
Request Concurrency is sent to the server-side of insurance company, and Claims Resolution process is participated in without insurer, realizes automatic Claims Resolution, improves user experience
Degree.
Further, the method that data are handled in a kind of insurance business provided by the embodiments of the present application, by the guarantor
The equipment transmitting mechanism assessment request for the authorities that danger consumption mechanism is subordinate to, the insurance that the equipment for receiving authorities is sent disappear
The information for taking mechanism determines the credit grade of Insurance Consumption mechanism based on the information of Insurance Consumption mechanism, can be public based on having
The information that the social authorities of reliability provide carries out more just credit appraisal to Insurance Consumption mechanism, is realizing automatic Claims Resolution
On the basis of improving Claims Resolution efficiency, the accuracy of Claims Resolution is improved.
Further, the method that data are handled in a kind of insurance business provided by the embodiments of the present application, passes through the gold that will settle a claim
Volume pays the Insurance Consumption mechanism, closes so that insurer only needs to provide insurance to Insurance Consumption mechanism before consumption occurs
Same identification information is paid for first spending amount by Insurance Consumption mechanism and is settled a claim from insurance company, and Claims Resolution process is not necessarily to insurer
It participates in, further increases user experience.
Fig. 4 shows another process signal for the method that data are handled in a kind of insurance business provided by the embodiments of the present application
Figure, this method can be executed by electronic equipment, such as terminal device or server device.In other words, the method can be by pacifying
It is executed mounted in the software or hardware of terminal device or server device.The server-side includes but is not limited to: single server,
Server cluster, cloud server or cloud server cluster etc..As shown, this method may comprise steps of.
S10: receiving Claims Resolution request, and Claims Resolution request includes that insurance contract identification information and Insurance Consumption structural establishment generate
E-consumer record.
The server-side of insurance company receives Claims Resolution request, and Claims Resolution request includes insurance contract identification information and Insurance Consumption
The E-consumer record that structural establishment generates.Insurance contract identification information may include insurance contract number etc..
In one possible implementation, this step may include that the server-side reception insurer of insurance company sends
Claims Resolution request.
In one possible implementation, this step may include step S11.
Step S11: the Claims Resolution request that Insurance Consumption structural establishment is sent is received.
The server-side of insurance company receives the Claims Resolution request that Insurance Consumption structural establishment is sent.Specifically, in Insurance Consumption
When structural establishment generates E-consumer record, reason can be generated according to E-consumer record and insurance contract identification information in real time
Request is paid for, and is sent to the server-side of insurance company.
S20: insurance contract content is determined according to the insurance contract identification information.
Determine insurance contract content according to insurance contract identification information, insurance contract content may include insurer's information,
Insurance coverage, insured amount, Claims Resolution mode etc..
S30: the letter of the Insurance Consumption mechanism of the E-consumer record is generated according to the assessment of preset evaluation scheme
It is carried out with grade according to the insurance contract content, the credit grade of the E-consumer record and the Insurance Consumption mechanism
Claim payment.
In one possible implementation, this step may include step in detail below.
S31: the authorities' transmitting mechanism assessment request being subordinate to Insurance Consumption mechanism.
For example, may include hospital to the relevant Insurance Consumption mechanism of medical treatment, the authorities that hospital is subordinate to for example can be with
Including health bureau.
For another example Insurance Consumption relevant to vehicle insurance mechanism may include the shop 4S, the authorities that the shop 4S is subordinate to for example may be used
To include the administration for industry and commerce.The shop 4S be with " quaternity " be core automobile management mode of special permission, including vehicle sale (Sale),
Spare and accessory parts (Sparepart), after-sale service (Service), information feedback (Survey) etc..
Organization evaluation request includes the unique identifier of the Insurance Consumption mechanism carried in E-consumer record, such as pays taxes
People's identifier or unified social credibility code etc..
S32: the information for the Insurance Consumption mechanism that the equipment for receiving the authorities is sent.
The information of the Insurance Consumption mechanism includes mechanism management level, special mention agency ratings, legal representative, number, history letter
One of breath, shareholder's information, mechanism annual report or news public sentiment are a variety of.
For example, receive health bureau send the information about Beijing hospital, such as may include the hospital grade be three
First, legal representative, registered capital, the judgement document for being related to medical tangle etc..
S33: the credit grade of the Insurance Consumption mechanism is determined based on the information of the Insurance Consumption mechanism.
For example, can be front three based on hospital grade, which be determined as high credit grade, can also be related to based on hospital
And medical tangle hospital is determined as low credit grade.
S35: insurer's information is determined according to insurance contract content.
Insurer's identification card number recorded in insurance contract etc..
S36: according to insurer's credit grade described in insurer's information evaluation.
It can specifically include following steps.
S361: the equipment for the authorities being subordinate to insurer sends insurer and assesses request.
Insurer assesses the unique identities identification information that request includes the insurer carried in insurer's information.For example, body
Part card number etc..
S362: insurer's credit information that the equipment for receiving authorities is sent, insurer's credit information criminal of including
Crime record or reference record.
For example, the insurer, which whether there is, gains the related crimes such as insurance record or bad reference record etc. by cheating.
S363: the credit grade of the insurer is determined based on insurer's credit information.
For example, when the insurer is in the presence of the related crimes such as insurance record or bad reference record is defrauded of, the insurer is true
It is set to zero credit.
S37: amount for which loss settled is determined according to insurer's credit grade.
For example, amount for which loss settled can be set as fully settling a claim by this step when insuring artificial high credit grade；It can be
Amount for which loss settled is set as part Claims Resolution when artificial low credit grade of insuring；It can will be managed when insuring artificial zero credit grade
It pays for the amount of money and is set as 0.
S34: according to insurance contract content, the credit grade of E-consumer record and Insurance Consumption mechanism, Claims Resolution branch is carried out
It pays.
Credit grade based on insurer, in this step further combined with insurance contract content, E-consumer record and
The credit grade of Insurance Consumption mechanism carries out Claim payment.
In one possible implementation, it can will be settled a claim according to the insurer's information for including in insurance contract content
The amount of money pays insurer.
In alternatively possible implementation, in conjunction with shown in attached drawing, can also be recorded according to E-consumer in carry
The information of Insurance Consumption mechanism pays amount for which loss settled to the Insurance Consumption mechanism.In this kind of implementation, insurer is only
It needs to provide insurance contract identification information to Insurance Consumption mechanism before consumption occurs, by Insurance Consumption, mechanism pays for spending amount first
And settled a claim from insurance company, Claims Resolution process is participated in without insurer, further increases user experience.
The method for handling data in a kind of insurance business provided by the embodiments of the present application as a result, by receiving Claims Resolution request,
The Claims Resolution request includes the E-consumer record that insurance contract identification information and Insurance Consumption mechanism generate；According to the insurance
Contract identification information determines insurance contract content；And the E-consumer record is generated according to the assessment of preset evaluation scheme
The credit grade of the Insurance Consumption mechanism disappears according to the insurance contract content, E-consumer record and the insurance
The credit grade for taking mechanism carries out Claim payment, can easily and fast settle a claim for insurer.
Further, the method that data are handled in a kind of insurance business provided by the embodiments of the present application is insured by receiving
The Claims Resolution request that structural establishment is sent is consumed, can be generated and be settled a claim when generating E-consumer record by Insurance Consumption structural establishment
Request Concurrency is sent to the server-side of insurance company, and Claims Resolution process is participated in without insurer, realizes automatic Claims Resolution, improves user experience
Degree.
Further, the method that data are handled in a kind of insurance business provided by the embodiments of the present application, by the guarantor
The equipment transmitting mechanism assessment request for the authorities that danger consumption mechanism is subordinate to, the insurance that the equipment for receiving authorities is sent disappear
The information for taking mechanism determines the credit grade of Insurance Consumption mechanism based on the information of Insurance Consumption mechanism, can be public based on having
The information that the social authorities of reliability provide carries out more just credit appraisal to Insurance Consumption mechanism, is realizing automatic Claims Resolution
On the basis of improving Claims Resolution efficiency, the accuracy of Claims Resolution is improved.
Further, the method that data are handled in a kind of insurance business provided by the embodiments of the present application, passes through the gold that will settle a claim
Volume pays the Insurance Consumption mechanism, closes so that insurer only needs to provide insurance to Insurance Consumption mechanism before consumption occurs
Same identification information is paid for first spending amount by Insurance Consumption mechanism and is settled a claim from insurance company, and Claims Resolution process is not necessarily to insurer
It participates in, further increases user experience.
Further, the method that data are handled in a kind of insurance business provided by the embodiments of the present application, by according to
Insurer's credit grade described in insurer's information evaluation, and amount for which loss settled is determined according to insurer's credit grade, it is realizing
On the basis of automatic Claims Resolution improves Claims Resolution efficiency, the accuracy of Claims Resolution is improved.Also, pass through the authorities being subordinate to insurer
It sends insurer and assesses request, insured based on insurer's credit information determination that the equipment for the authorities that insurer is subordinate to is sent
The credit grade of people can carry out fair and just credit appraisal to insurer, realize automatic Claims Resolution raising Claims Resolution efficiency
On the basis of, improve the accuracy of Claims Resolution.
Fig. 5 shows another process signal for the method that data are handled in a kind of insurance business provided by the embodiments of the present application
Figure, this method can be executed by electronic equipment, such as terminal device or server device.In other words, the method can be by pacifying
It is executed mounted in the software or hardware of terminal device or server device.The server-side includes but is not limited to: single server,
Server cluster, cloud server or cloud server cluster etc..As shown, this method may comprise steps of.
S10: receiving Claims Resolution request, and Claims Resolution request includes the electricity that insurance contract identification information and Insurance Consumption mechanism generate
Sub- consumer record.
The server-side of insurance company receives Claims Resolution request, and Claims Resolution request includes insurance contract identification information and Insurance Consumption
The E-consumer record that structural establishment generates.Insurance contract identification information may include insurance contract number etc..
In one possible implementation, this step may include that the server-side reception insurer of insurance company sends
Claims Resolution request.
In one possible implementation, this step may include step S11.
Step S11: the Claims Resolution request that Insurance Consumption structural establishment is sent is received.
The server-side of insurance company receives the Claims Resolution request that Insurance Consumption structural establishment is sent.Specifically, in Insurance Consumption
When structural establishment generates E-consumer record, reason can be generated according to E-consumer record and insurance contract identification information in real time
Request is paid for, and is sent to the server-side of insurance company.
S20: insurance contract content is determined according to the insurance contract identification information.
Determine insurance contract content according to insurance contract identification information, insurance contract content may include insurer's information,
Insurance coverage, insured amount, Claims Resolution mode etc..
S30: the letter of the Insurance Consumption mechanism of the E-consumer record is generated according to the assessment of preset evaluation scheme
It is carried out with grade according to the insurance contract content, the credit grade of the E-consumer record and the Insurance Consumption mechanism
Claim payment.
In one possible implementation, this step may include step in detail below.
S31: the equipment transmitting mechanism for the authorities being subordinate to Insurance Consumption mechanism assesses request.
For example, may include hospital to the relevant Insurance Consumption mechanism of medical treatment, the authorities that hospital is subordinate to for example can be with
Including health bureau.
For another example Insurance Consumption relevant to vehicle insurance mechanism may include the shop 4S, the authorities that the shop 4S is subordinate to for example may be used
To include the administration for industry and commerce.The shop 4S be with " quaternity " be core automobile management mode of special permission, including vehicle sale (Sale),
Spare and accessory parts (Sparepart), after-sale service (Service), information feedback (Survey) etc..
Organization evaluation request includes the unique identifier of the Insurance Consumption mechanism carried in E-consumer record, such as pays taxes
People's identifier or unified social credibility code etc..
S32: the information for the Insurance Consumption mechanism that the equipment for receiving the authorities is sent.
The information of the Insurance Consumption mechanism includes mechanism management level, special mention agency ratings, legal representative, number, history letter
One of breath, shareholder's information, mechanism annual report or news public sentiment are a variety of.
For example, receive health bureau send the information about Beijing hospital, such as may include the hospital grade be three
First, legal representative, registered capital, the judgement document for being related to medical tangle etc..
S33: the credit grade of the Insurance Consumption mechanism is determined based on the information of the Insurance Consumption mechanism.
For example, can be front three based on hospital grade, which be determined as high credit grade, can also be related to based on hospital
And medical tangle hospital is determined as low credit grade.
S35: insurer's information is determined according to insurance contract content.
Insurer's identification card number recorded in insurance contract etc..
S36: according to insurer's credit grade described in insurer's information evaluation.
It can specifically include following steps.
S361: the equipment for the authorities being subordinate to insurer sends insurer and assesses request.
Insurer assesses the unique identities identification information that request includes the insurer carried in insurer's information.For example, body
Part card number etc..
S362: insurer's credit information that the equipment for receiving authorities is sent, insurer's credit information criminal of including
Crime record or reference record.
For example, the insurer, which whether there is, gains the related crimes such as insurance record or bad reference record etc. by cheating.
S363: the credit grade of the insurer is determined based on insurer's credit information.
For example, when the insurer is in the presence of the related crimes such as insurance record or bad reference record is defrauded of, the insurer is true
It is set to zero credit.
S37: amount for which loss settled is determined according to insurer's credit grade.
For example, amount for which loss settled can be set as fully settling a claim by this step when insuring artificial high credit grade；It can be
Amount for which loss settled is set as part Claims Resolution when artificial low credit grade of insuring；It can will be managed when insuring artificial zero credit grade
It pays for the amount of money and is set as 0.
S34: according to insurance contract content, the credit grade of E-consumer record and Insurance Consumption mechanism, Claims Resolution branch is carried out
It pays.
Credit grade based on insurer, in this step further combined with insurance contract content, E-consumer record and
The credit grade of Insurance Consumption mechanism carries out Claim payment.
In one possible implementation, it can will be settled a claim according to the insurer's information for including in insurance contract content
The amount of money pays insurer.
In alternatively possible implementation, in conjunction with shown in attached drawing, can also be recorded according to E-consumer in carry
The information of Insurance Consumption mechanism pays amount for which loss settled to the Insurance Consumption mechanism.In this kind of implementation, insurer is only
It needs to provide insurance contract identification information to Insurance Consumption mechanism before consumption occurs, by Insurance Consumption, mechanism pays for spending amount first
And settled a claim from insurance company, Claims Resolution process is participated in without insurer, further increases user experience.
S41: the result of Claim payment described in publicity.
S42: the report for being directed to the Claim payment is received.
S43: the report is verified.
S44: verification result is sent to the authorities that Insurance Consumption mechanism is subordinate to.
The mechanism is disciplined as a warning with the authorities that declaration insurance consumption mechanism is subordinate to.
The method for handling data in a kind of insurance business provided by the embodiments of the present application as a result, by receiving Claims Resolution request,
The Claims Resolution request includes the E-consumer record that insurance contract identification information and Insurance Consumption mechanism generate；According to the insurance
Contract identification information determines insurance contract content；And the E-consumer record is generated according to the assessment of preset evaluation scheme
The credit grade of the Insurance Consumption mechanism disappears according to the insurance contract content, E-consumer record and the insurance
The credit grade for taking mechanism carries out Claim payment, can easily and fast settle a claim for insurer.
Further, the method that data are handled in a kind of insurance business provided by the embodiments of the present application is insured by receiving
The Claims Resolution request that structural establishment is sent is consumed, can be generated and be settled a claim when generating E-consumer record by Insurance Consumption structural establishment
Request Concurrency is sent to the server-side of insurance company, and Claims Resolution process is participated in without insurer, realizes automatic Claims Resolution, improves user experience
Degree.
Further, the method that data are handled in a kind of insurance business provided by the embodiments of the present application, by the guarantor
The equipment transmitting mechanism assessment request for the authorities that danger consumption mechanism is subordinate to, the insurance that the equipment for receiving authorities is sent disappear
The information for taking mechanism determines the credit grade of Insurance Consumption mechanism based on the information of Insurance Consumption mechanism, can be public based on having
The information that the social authorities of reliability provide carries out more just credit appraisal to Insurance Consumption mechanism, is realizing automatic Claims Resolution
On the basis of improving Claims Resolution efficiency, the accuracy of Claims Resolution is improved.
Further, the method that data are handled in a kind of insurance business provided by the embodiments of the present application, passes through the gold that will settle a claim
Volume pays the Insurance Consumption mechanism, closes so that insurer only needs to provide insurance to Insurance Consumption mechanism before consumption occurs
Same identification information is paid for first spending amount by Insurance Consumption mechanism and is settled a claim from insurance company, and Claims Resolution process is not necessarily to insurer
It participates in, further increases user experience.
Further, the method that data are handled in a kind of insurance business provided by the embodiments of the present application, by according to
Insurer's credit grade described in insurer's information evaluation, and amount for which loss settled is determined according to insurer's credit grade, it is realizing
On the basis of automatic Claims Resolution improves Claims Resolution efficiency, the accuracy of Claims Resolution is improved.Also, pass through the authorities being subordinate to insurer
It sends insurer and assesses request, insured based on insurer's credit information determination that the equipment for the authorities that insurer is subordinate to is sent
The credit grade of people can carry out fair and just credit appraisal to insurer, realize automatic Claims Resolution raising Claims Resolution efficiency
On the basis of, improve the accuracy of Claims Resolution.
Further, the method that data are handled in a kind of insurance business provided by the embodiments of the present application, is settled a claim by publicity
Payment as a result, receive be directed to the Claim payment report, the report is verified, verification result is sent to insurance
The equipment for the authorities that consumption mechanism is subordinate to is so that the Insurance Consumption mechanism is disciplined as a warning.
Fig. 6 shows the structural schematic diagram that the device of data is handled in a kind of insurance business provided by the embodiments of the present application, such as
Shown in figure, which includes: receiving module 10, determining module 20 and processing module 30.
Receiving module 10 receives Claims Resolution request, and the Claims Resolution request includes insurance contract identification information and Insurance Consumption machine
The E-consumer record that structure equipment generates.Determining module 20 is connect with receiving module 10, according to the insurance contract identification information
Determine insurance contract content；And processing module 30, it is connect with determining module 20, is assessed according to preset evaluation scheme and generate institute
The credit grade for stating the Insurance Consumption mechanism of E-consumer record, according to the insurance contract content, the E-consumer
The credit grade of record and the Insurance Consumption mechanism carries out Claim payment.
By the technical solution of above the application as it can be seen that handling data in a kind of insurance business provided by the embodiments of the present application
Device, by receiving Claims Resolution request, the Claims Resolution request includes that insurance contract identification information and Insurance Consumption structural establishment generate
E-consumer record；Insurance contract content is determined according to the insurance contract identification information；And according to preset assessment side
Case assessment generates the credit grade of the Insurance Consumption mechanism of E-consumer record, according to the insurance contract content,
The credit grade of the E-consumer record and the Insurance Consumption mechanism carries out Claim payment, can easily and fast insure
People settles a claim.
In one possible implementation, processing module 30, the authorities that Xiang Suoshu Insurance Consumption mechanism is subordinate to
The assessment request of equipment transmitting mechanism, the organization evaluation request include the Insurance Consumption carried in E-consumer record
The unique identifier of mechanism；The Insurance Consumption machine that the equipment for receiving the authorities that the Insurance Consumption mechanism is subordinate to is sent
The information of structure, the information of the Insurance Consumption mechanism include mechanism management level, special mention agency ratings, legal representative, number, history letter
One of breath, shareholder's information, mechanism annual report or news public sentiment are a variety of；And the information based on the Insurance Consumption mechanism is true
The credit grade of the fixed Insurance Consumption mechanism.
In one possible implementation, receiving module 10 receive the Claims Resolution that the Insurance Consumption structural establishment is sent
Request.
In one possible implementation, processing module 30, according to the insurer for including in the insurance contract content
Information pays amount for which loss settled to the insurer.
In one possible implementation, processing module 30, according to the guarantor carried in E-consumer record
The information of danger consumption mechanism, pays amount for which loss settled to the Insurance Consumption mechanism.
In one possible implementation, processing module 30, before the progress Claim payment, according to the insurance
Treaty content determines insurer's information；And insurer's credit grade according to insurer's information evaluation, and according to institute
It states insurer's credit grade and determines amount for which loss settled.
In one possible implementation, processing module 30, the equipment hair for the authorities that Xiang Suoshu insurer is subordinate to
Insurer is sent to assess request, it includes the unique of the insurer carried in insurer's information that the insurer, which assesses request,
Identity identification information；Insurer's credit information that the equipment for receiving the authorities that the insurer is subordinate to is sent, it is described
Insurer's credit information includes previous conviction or reference record；And the insurer is determined based on insurer's credit information
Credit grade.
In one possible implementation, processing module 30, the result of Claim payment described in publicity.
In one possible implementation, processing module 30 after the result of the Claim payment described in the publicity, connect
The report narrowed to the Claim payment.
In one possible implementation, processing module 30, it is right after receiving the report for the Claim payment
The report is verified；And the equipment that verification result is sent to the authorities that the Insurance Consumption mechanism is subordinate to.
The device for handling data in a kind of insurance business provided by the embodiments of the present application as a result, by receiving Claims Resolution request,
The Claims Resolution request includes insurance contract identification information and the E-consumer record that Insurance Consumption structural establishment generates；According to described
Insurance contract identification information determines insurance contract content；And the E-consumer is generated according to the assessment of preset evaluation scheme and is remembered
The credit grade of the Insurance Consumption mechanism of record, according to the insurance contract content, E-consumer record and the guarantor
The credit grade of danger consumption mechanism carries out Claim payment, can easily and fast settle a claim for insurer.
Further, the device that data are handled in a kind of insurance business provided by the embodiments of the present application is insured by receiving
The Claims Resolution request that structural establishment is sent is consumed, can be generated and be settled a claim when generating E-consumer record by Insurance Consumption structural establishment
Request Concurrency is sent to the server-side of insurance company, and Claims Resolution process is participated in without insurer, realizes automatic Claims Resolution, improves user experience
Degree.
Further, the device that data are handled in a kind of insurance business provided by the embodiments of the present application, by the guarantor
The equipment transmitting mechanism assessment request for the authorities that danger consumption mechanism is subordinate to, the insurance that the equipment for receiving authorities is sent disappear
The information for taking mechanism determines the credit grade of Insurance Consumption mechanism based on the information of Insurance Consumption mechanism, can be public based on having
The information that the social authorities of reliability provide carries out more just credit appraisal to Insurance Consumption mechanism, is realizing automatic Claims Resolution
On the basis of improving Claims Resolution efficiency, the accuracy of Claims Resolution is improved.
Further, the device that data are handled in a kind of insurance business provided by the embodiments of the present application, passes through the gold that will settle a claim
Volume pays the Insurance Consumption mechanism, closes so that insurer only needs to provide insurance to Insurance Consumption mechanism before consumption occurs
Same identification information is paid for first spending amount by Insurance Consumption mechanism and is settled a claim from insurance company, and Claims Resolution process is not necessarily to insurer
It participates in, further increases user experience.
Further, the device that data are handled in a kind of insurance business provided by the embodiments of the present application, by according to
Insurer's credit grade described in insurer's information evaluation, and amount for which loss settled is determined according to insurer's credit grade, it is realizing
On the basis of automatic Claims Resolution improves Claims Resolution efficiency, the accuracy of Claims Resolution is improved.Also, pass through the authorities being subordinate to insurer
Equipment send insurer and assess request, insurer's credit information that the equipment for the authorities being subordinate to based on insurer is sent is true
Determine the credit grade of insurer, fair and just credit appraisal can be carried out to insurer, settles a claim realizing that automatic Claims Resolution improves
On the basis of efficiency, the accuracy of Claims Resolution is improved.
Further, the device that data are handled in a kind of insurance business provided by the embodiments of the present application, is settled a claim by publicity
Payment as a result, receive be directed to the Claim payment report, the report is verified, verification result is sent to insurance
The equipment for the authorities that consumption mechanism is subordinate to is so that the Insurance Consumption mechanism is disciplined as a warning.
The device that data are handled in a kind of insurance business provided by the embodiments of the present application, can be performed side described in Fig. 1-Fig. 5
Method, and realize Fig. 1-embodiment illustrated in fig. 5 function, details are not described herein.
Fig. 7 shows the electronic equipment for executing the method that data are handled in a kind of insurance business provided by the embodiments of the present application
Hardware structural diagram, with reference to the figure, in hardware view, electronic equipment includes processor, optionally, including internal bus, net
Network interface, memory.Wherein, memory may include memory, such as high-speed random access memory (Random-Access
Memory, RAM), it is also possible to it further include nonvolatile memory (non-volatile memory), for example, at least 1 disk is deposited
Reservoir etc..Certainly, which is also possible that hardware required for other business.
Processor, network interface and memory can be connected with each other by internal bus, which can be industry
Standard architecture (Industry Standard Architecture, ISA) bus, Peripheral Component Interconnect standard
(Peripheral Component Interconnect, PCI) bus or expanding the industrial standard structure (Extended
Industry Standard Architecture, EISA) bus etc..The bus can be divided into address bus, data/address bus,
Control bus etc..Only to be indicated with a four-headed arrow in the figure, it is not intended that an only bus or one kind convenient for indicating
The bus of type.
Memory, for storing program.Specifically, program may include program code, and said program code includes calculating
Machine operational order.Memory may include memory and nonvolatile memory, and provide instruction and data to processor.
Processor is from the then operation into memory of corresponding computer program is read in nonvolatile memory, in logical layer
The device of positioning target user is formed on face.Processor executes the program that memory is stored, and is specifically used for executing: receiving
Claims Resolution request, the Claims Resolution request include insurance contract identification information and the E-consumer note that Insurance Consumption structural establishment generates
Record；Insurance contract content is determined according to the insurance contract identification information；And it is assessed according to preset evaluation scheme and generates institute
The credit grade for stating the Insurance Consumption mechanism of E-consumer record, according to the insurance contract content, the E-consumer
The credit grade of record and the Insurance Consumption mechanism carries out Claim payment.
The method that data are handled in a kind of insurance business disclosed in the above-mentioned embodiment illustrated in fig. 1 such as the application can be applied to
In processor, or realized by processor.Processor may be a kind of IC chip, the processing capacity with signal.?
During realization, each step of the above method can pass through the integrated logic circuit of the hardware in processor or software form
Instruction is completed.Above-mentioned processor can be general processor, including central processing unit (Central Processing Unit,
CPU), network processing unit (Network Processor, NP) etc.；It can also be digital signal processor (Digital Signal
Processor, DSP), it is specific integrated circuit (Application Specific Integrated Circuit, ASIC), existing
Field programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic device are divided
Vertical door or transistor logic, discrete hardware components.It may be implemented or execute and is in the embodiment of the present application disclosed each
Method, step and logic diagram.General processor can be microprocessor or the processor is also possible to any conventional place
Manage device etc..The step of method in conjunction with disclosed in the embodiment of the present application, can be embodied directly in hardware decoding processor and execute
At, or in decoding processor hardware and software module combination execute completion.Software module can be located at random access memory,
This fields such as flash memory, read-only memory, programmable read only memory or electrically erasable programmable memory, register maturation
In storage medium.The storage medium is located at memory, and processor reads the information in memory, completes above-mentioned side in conjunction with its hardware
The step of method.
The method that the electronic equipment can also carry out Fig. 2-5, and realize and handle the device of data in a kind of insurance business in Fig. 6
The function of illustrated embodiment, details are not described herein for the embodiment of the present application.
Certainly, other than software realization mode, other implementations are not precluded in the electronic equipment of the application, for example patrol
Collect device or the mode of software and hardware combining etc., that is to say, that the executing subject of following process flow is not limited to each patrol
Unit is collected, hardware or logical device are also possible to.
The embodiment of the present application also proposed a kind of computer readable storage medium, the computer-readable medium storage one
Or multiple programs, one or more of programs are when the electronic equipment for being included multiple application programs executes, so that the electricity
Sub- equipment executes following operation: receiving Claims Resolution request, the Claims Resolution request includes insurance contract identification information and Insurance Consumption machine
The E-consumer record that structure generates；Insurance contract content is determined according to the insurance contract identification information；And according to preset
Evaluation scheme assessment generates the credit grade of the Insurance Consumption mechanism of the E-consumer record, according to the insurance contract
The credit grade of content, the E-consumer record and the Insurance Consumption mechanism, carries out Claim payment.
Wherein, the computer readable storage medium includes read-only memory (Read-Only Memory, abbreviation
ROM), random access memory (Random Access Memory, abbreviation RAM), magnetic or disk etc..
Further, the embodiment of the present application also provides a kind of computer program product, the computer program product packets
The computer program being stored in non-transient computer readable storage medium is included, the computer program includes program instruction, when
When described program instruction is computer-executed, following below scheme is realized: receiving Claims Resolution request, the Claims Resolution request includes insurance contract
The E-consumer record that identification information and Insurance Consumption mechanism generate；Insurance contract is determined according to the insurance contract identification information
Content；And the credit etc. of the Insurance Consumption mechanism of the E-consumer record is generated according to the assessment of preset evaluation scheme
Grade is settled a claim according to the insurance contract content, the credit grade of the E-consumer record and the Insurance Consumption mechanism
Payment.
In short, being not intended to limit the protection scope of the application the foregoing is merely the preferred embodiment of the application.It is all
Within spirit herein and principle, any modification, equivalent replacement, improvement and so on should be included in the protection of the application
Within the scope of.
System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity,
Or it is realized by the product with certain function.It is a kind of typically to realize that equipment is computer.Specifically, computer for example may be used
Think personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play
It is any in device, navigation equipment, electronic mail equipment, game console, tablet computer, wearable device or these equipment
The combination of equipment.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices
Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability
It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap
Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described want
There is also other identical elements in the process, method of element, commodity or equipment.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for system reality
For applying example, since it is substantially similar to the method embodiment, so being described relatively simple, related place is referring to embodiment of the method
Part explanation.
Claims (13)
1. a kind of method for handling data in insurance business, is executed by electronic equipment, which comprises
Claims Resolution request is received, the Claims Resolution request includes insurance contract identification information and the electronics that Insurance Consumption structural establishment generates
Consumer record；
Insurance contract content is determined according to the insurance contract identification information；And
The credit grade of the Insurance Consumption mechanism of the E-consumer record, root are generated according to the assessment of preset evaluation scheme
According to the insurance contract content, the credit grade of the E-consumer record and the Insurance Consumption mechanism, Claim payment is carried out.
2. according to the method described in claim 1, wherein, described assessed according to preset evaluation scheme generates the E-consumer
The credit grade of the Insurance Consumption mechanism of record includes:
The equipment transmitting mechanism for the authorities being subordinate to the Insurance Consumption mechanism assesses request, the organization evaluation request packet
Include the unique identifier of the Insurance Consumption mechanism carried in the E-consumer record；
The information for the Insurance Consumption mechanism that the equipment for receiving the authorities that the Insurance Consumption mechanism is subordinate to is sent, it is described
The information of Insurance Consumption mechanism include mechanism management level, special mention agency ratings, legal representative, number, historical information, shareholder's information,
One of mechanism annual report or news public sentiment are a variety of；And
The credit grade of the Insurance Consumption mechanism is determined based on the information of the Insurance Consumption mechanism.
3. according to the method described in claim 1, wherein, the reception Claims Resolution request includes:
Receive the Claims Resolution request that the Insurance Consumption structural establishment is sent.
4. it is recorded according to the insurance contract content and the E-consumer according to the method described in claim 1, wherein, into
Row Claim payment, comprising:
According to the insurer's information for including in the insurance contract content, amount for which loss settled is paid to the insurer.
5. it is recorded according to the insurance contract content and the E-consumer according to the method described in claim 1, wherein, into
Row Claim payment, comprising:
According to the information of the Insurance Consumption mechanism carried in E-consumer record, amount for which loss settled is paid to the guarantor
Danger consumption mechanism.
6. according to the method described in claim 1, wherein, before the progress Claim payment, further includes:
Insurer's information is determined according to the insurance contract content；And
According to insurer's credit grade described in insurer's information evaluation, and is determined and settled a claim according to insurer's credit grade
The amount of money.
7. according to the method described in claim 6, wherein, according to insurer's credit grade described in insurer's information evaluation,
Include:
The equipment for the authorities being subordinate to the insurer sends insurer and assesses request, and the insurer assesses request and includes
The unique identities identification information of the insurer carried in insurer's information；
Insurer's credit information that the equipment for receiving the authorities that the insurer is subordinate to is sent, insurer's credit
Information includes previous conviction or reference record；And
The credit grade of the insurer is determined based on insurer's credit information.
8. according to the method described in claim 1, wherein, after the progress Claim payment, further includes:
The result of Claim payment described in publicity.
9. according to the method described in claim 6, wherein, after the result of the Claim payment described in the publicity, further includes:
Receive the report for being directed to the Claim payment.
10. according to the method described in claim 9, wherein, after receiving the report for the Claim payment, further includes:
The report is verified；And
The equipment that verification result is sent to the authorities that the Insurance Consumption mechanism is subordinate to.
11. handling the device of data in a kind of insurance business, comprising:
Receiving module, receives Claims Resolution request, and the Claims Resolution request includes that insurance contract identification information and Insurance Consumption mechanism generate
E-consumer record；
Determining module determines insurance contract content according to the insurance contract identification information；And
Processing module generates the letter of the Insurance Consumption mechanism of the E-consumer record according to the assessment of preset evaluation scheme
It is carried out with grade according to the insurance contract content, the credit grade of the E-consumer record and the Insurance Consumption mechanism
Claim payment.
12. a kind of electronic equipment, comprising:
Processor；And
It is arranged to the memory of storage computer executable instructions, the executable instruction uses the processing when executed
Device executes following operation:
Claims Resolution request is received, the Claims Resolution request includes insurance contract identification information and the electronics that Insurance Consumption structural establishment generates
Consumer record；
Insurance contract content is determined according to the insurance contract identification information；And
The credit grade of the Insurance Consumption mechanism of the E-consumer record, root are generated according to the assessment of preset evaluation scheme
According to the insurance contract content, the credit grade of the E-consumer record and the Insurance Consumption mechanism, Claim payment is carried out.
13. a kind of computer-readable medium, the computer-readable medium storage one or more program is one or more of
Program is when the electronic equipment for being included multiple application programs executes, so that the electronic equipment executes following operation:
Claims Resolution request is received, the Claims Resolution request includes insurance contract identification information and the electronics that Insurance Consumption structural establishment generates
Consumer record；
Insurance contract content is determined according to the insurance contract identification information；And
The credit grade of the Insurance Consumption mechanism of the E-consumer record, root are generated according to the assessment of preset evaluation scheme
According to the insurance contract content, the credit grade of the E-consumer record and the Insurance Consumption mechanism, Claim payment is carried out.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201811598599.8A CN109903167A (en) | 2018-12-26 | 2018-12-26 | The method, apparatus and electronic equipment of data are handled in a kind of insurance business |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811598599.8A CN109903167A (en) | 2018-12-26 | 2018-12-26 | The method, apparatus and electronic equipment of data are handled in a kind of insurance business |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110443717A (en) * | 2019-07-16 | 2019-11-12 | 阿里巴巴集团控股有限公司 | A kind of settlement of insurance claim method and system based on credit evaluation |
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| CN107909487A (en) * | 2017-11-10 | 2018-04-13 | 平安科技（深圳）有限公司 | Claims Resolution method, apparatus and system based on medical insurance |
| CN108388575A (en) * | 2018-01-12 | 2018-08-10 | 中国平安人寿保险股份有限公司 | A kind of appraisal procedure, device, terminal device and the storage medium of settlement of insurance claim expense |
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2018
- 2018-12-26 CN CN201811598599.8A patent/CN109903167A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107909487A (en) * | 2017-11-10 | 2018-04-13 | 平安科技（深圳）有限公司 | Claims Resolution method, apparatus and system based on medical insurance |
| CN108388575A (en) * | 2018-01-12 | 2018-08-10 | 中国平安人寿保险股份有限公司 | A kind of appraisal procedure, device, terminal device and the storage medium of settlement of insurance claim expense |
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| CN110443717A (en) * | 2019-07-16 | 2019-11-12 | 阿里巴巴集团控股有限公司 | A kind of settlement of insurance claim method and system based on credit evaluation |
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