CN110084703A

CN110084703A - Service assurance bill settlement method and device

Info

Publication number: CN110084703A
Application number: CN201910174663.8A
Authority: CN
Inventors: 陶彬贤
Original assignee: Alibaba Group Holding Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2019-03-08
Filing date: 2019-03-08
Publication date: 2019-08-02

Abstract

The application provides Service assurance bill settlement method and device, wherein, the Service assurance bill settlement method comprises determining that business user is participated in the business in the business procedure provided using business provider and ensures data in the project of the guarantee project of at least one Service assurance dimension；Ensure that business user described in data statistics participates in the support cost that the guarantee project generates based on the project；According to the settlement information recorded in the project details of the Service assurance project, the clearing of the support cost are carried out for the clearing side for including in the settlement information.The clearing number of support cost is greatly reduced, to reduce settlement cost in the Service assurance bill settlement method；Disbursement and sattlement bring system complexity in the case of big flow high concurrent when avoiding peak traffic simultaneously.

Description

Service assurance bill settlement method and device

Technical field

This application involves technical field of data processing, in particular to a kind of Service assurance bill settlement method.The application is same When be related to a kind of Service assurance disbursement and sattlement device, a kind of calculating equipment and a kind of computer readable storage medium.

Background technique

With the rapid development of Internet technology, the sale of insurance, after sale, Claims Resolution etc. conversational traffics can be more convenient Ground on-line operation provides the insurance service of customization by combining Internet scene with various insurance scenes for scene.Than If user is during taking out platform and ordering, when having chosen vegetable and submitting order, it can choose purchase and ensure that take out can be The corresponding amount of money then is compensated to user once the delivery time taken out exceeds the stipulated time in the freight charges danger being sent in stipulated time.

Currently, for the insurance coverage in internet insurance scene, since the Cheng Danliang of internet platform itself is bigger, Therefore the Cheng Danliang that will lead to insurance coverage in internet insurance scene is also bigger, for providing the industry of internet insurance scene For business side, traffic pressure is bigger；Meanwhile in internet insurance scene, insurance coverage will carry out single with service order Pen clearing, and internet insurance scene in insurance coverage premium it is lower, carry out a large amount of premium clearing in this case Cost is also relatively high, it is also possible to can bring certain puzzlement to the user for participating in insurance coverage.

Summary of the invention

In view of this, the embodiment of the present application provides a kind of Service assurance bill settlement method, to solve in the prior art Existing technological deficiency.The embodiment of the present application provides a kind of Service assurance disbursement and sattlement device simultaneously, a kind of calculating equipment, with And a kind of computer readable storage medium.

The application provides a kind of Service assurance bill settlement method, comprising:

Determine that business user participates in the business at least one in the business procedure provided using business provider The project of the guarantee project of Service assurance dimension ensures data；

Ensure that business user described in data statistics participates in the support cost that the guarantee project generates based on the project；

According to the settlement information recorded in the project details of the Service assurance project, for including in the settlement information Clearing side carry out the clearing of the support cost.

Optionally, the support cost is made by least one of both described business user and the business provider It is generated during participating in the guarantee project for program member.

Optionally, the determining business user participates in the business in the business procedure provided using business provider Data are ensured in the project of the guarantee project of at least one Service assurance dimension, comprising:

After detecting that the guarantee project is triggered, the corresponding item for ensureing the period of the guarantee project being triggered is judged Whether mesh details generate；

If generate, judge to trigger whether the guarantee project corresponding triggered time meets and record in the project details The billing cycle for including in settlement information；

If satisfied, determining that the business user participates in the business at least one Service assurance in the billing cycle The project of the guarantee project of dimension ensures data；

If not generating, the guarantee project is generated in the project details for ensureing the period.

Optionally, described to ensure that business user described in data statistics participates in the guarantee project and generates based on the project Support cost, comprising:

Data are ensured based on the project in the billing cycle, and the knot is counted under the offline environment of the business It calculates the business user in the period and participates in the support cost that the guarantee project generates.

Optionally, comprising at least one of following in the settlement information: billing cycle, clearing form and the clearing Side.

Optionally, if the guarantee project is using the business mistake in the business user for the business provider It provides in journey, and is participated in by the business user, then the clearing side for including in the settlement information recorded in the project details For the business provider；

Correspondingly, described ensure that business user described in data statistics participates in the guarantee project and generates based on the project Support cost, comprising:

According to the accumulative accumulative participation number for participating in the guarantee project of business provider described in the billing cycle with And the single support cost of the guarantee project, total support cost in the billing cycle is calculated, is used as the business Side participates in the support cost that the guarantee project generates.

Optionally, the settlement information recorded in the project details according to the Service assurance project, for the knot Calculate the clearing that the clearing side for including in information carries out the support cost, comprising:

Total support cost is carried out for the business provider according to the billing cycle and the clearing form Clearing.

Optionally, described if the guarantee project is that the business user is participated in using the business procedure The clearing side for including in the settlement information recorded in project details is the business user；

The guarantee project for participating in multiple Service assurance dimensions according to business provider described in the billing cycle is respective The accumulative respective single support cost of guarantee project for participating in number and the multiple Service assurance dimension, calculates the knot Calculate multiple respective support costs of Service assurance dimension in the period；

It is calculated according to the respective support cost of Service assurance dimensions multiple in the billing cycle more in the billing cycle Total support cost of a Service assurance dimension participates in the guarantee expense that the guarantee project generates as the business user With.

According to the billing cycle and the clearing form for more in the business user progress billing cycle The clearing of total support cost of a Service assurance dimension.

Optionally, the guarantee project includes: insurance coverage；

The project ensures that data include: triggering and the insured number for participating in the insurance coverage；

The support cost includes: insurance premium；

The project details of the guarantee project include: the warranty details of the insurance coverage.

Optionally, the Service assurance dimension, including at least one of following:

Trade order ensures dimension, and logistics freight charges ensure dimension, and the logistics time limit ensures dimension, and the business user uses Healthy and safe guarantee dimension in the business procedure.

Optionally, the guarantee project of the Service assurance dimension, including at least one of following:

Ensure that dimension is directed to the trade order insurance coverage that trade order treatment process is ensured in the trade order, It ensures that dimension is directed to the logistics freight insurance project that logistics freight charges are ensured in the logistics freight charges, is protected in the logistics time limit The logistics time limit insurance coverage that barrier dimension is ensured for the logistics time limit of logistics order, in the healthy and safe guarantee dimension For the healthy and safe healthy and safe insurance coverage ensured of the business user.

The application provides a kind of Service assurance disbursement and sattlement device, comprising:

Project ensures data determination unit, is configured to determine that business user in the business provided using business provider The business is participated in the process ensures data in the project of the guarantee project of at least one Service assurance dimension；

Support cost statistic unit is configured as ensureing that business user described in data statistics participates in institute based on the project State the support cost of guarantee project generation；

Support cost clearing unit is configured as the clearing recorded in the project details according to the Service assurance project letter Breath carries out the clearing of the support cost for the clearing side for including in the settlement information.

The application provides a kind of calculating equipment, comprising:

Memory and processor；The memory is for storing computer executable instructions, and the processor is for executing The computer executable instructions:

The application provides a kind of computer readable storage medium, is stored with computer instruction, which is held by processor The step of Service assurance bill settlement method is realized when row.

Compared with prior art, the application has the advantages that

The application provides a kind of Service assurance bill settlement method, comprising: determines that business user is provided using business The business is provided in the business procedure just provided and ensures data in the project of the guarantee project of at least one Service assurance dimension； Ensure that business user described in data statistics participates in the support cost that the guarantee project generates based on the project；According to described The settlement information recorded in the project details of Service assurance project, for described in the clearing side's progress for including in the settlement information The clearing of support cost.

Service assurance bill settlement method provided by the present application, to participating in the business in the guarantee of Service assurance dimension During the support cost that project generates is settled accounts, according to the clearing form arranged in the project details of Service assurance project It is settled accounts with the time, so that the clearing number of support cost be greatly reduced, reduces settlement cost；Meanwhile it will be at business It manages and is separated with the treatment process of both support cost clearing, ensured in the case of big flow high concurrent when avoiding practical business peak Disbursement and sattlement bring system complexity.

Detailed description of the invention

Fig. 1 is a kind of Service assurance bill settlement method process flow diagram provided by the embodiments of the present application；

Fig. 2 is the processing stream that a kind of Service assurance bill settlement method provided by the embodiments of the present application is applied to insurance coverage Cheng Tu；

Fig. 3 is a kind of schematic diagram of Service assurance disbursement and sattlement device provided by the embodiments of the present application；

Fig. 4 is a kind of structural block diagram for calculating equipment provided by the embodiments of the present application.

Specific embodiment

Many details are explained in the following description in order to fully understand the application.But the application can be with Much it is different from other way described herein to implement, those skilled in the art can be without prejudice to the application intension the case where Under do similar popularization, therefore the application is not limited by following public specific implementation.

The term used in this specification one or more embodiment be only merely for for the purpose of describing particular embodiments, It is not intended to be limiting this specification one or more embodiment.In this specification one or more embodiment and appended claims The "an" of singular used in book, " described " and "the" are also intended to including most forms, unless context is clearly Indicate other meanings.It is also understood that term "and/or" used in this specification one or more embodiment refers to and includes One or more associated any or all of project listed may combine.

It will be appreciated that though may be retouched using term first, second etc. in this specification one or more embodiment Various information are stated, but these information should not necessarily be limited by these terms.These terms are only used to for same type of information being distinguished from each other It opens.For example, first can also be referred to as second, class in the case where not departing from this specification one or more scope of embodiments As, second can also be referred to as first.Depending on context, word as used in this " if " can be construed to " ... when " or " when ... " or " in response to determination ".

The application provides a kind of Service assurance bill settlement method, and the application also provides a kind of Service assurance disbursement and sattlement dress It sets, a kind of calculating equipment and a kind of computer readable storage medium.Below in conjunction with the attached of embodiment provided by the present application Figure is described in detail one by one, and is illustrated to each step of method.

A kind of Service assurance bill settlement method embodiment provided by the present application is as follows:

Referring to attached drawing 1, it illustrates a kind of Service assurance bill settlement method process flows provided by the embodiments of the present application Figure, referring to attached drawing 2, it illustrates a kind of Service assurance bill settlement methods provided by the embodiments of the present application to be applied to insurance coverage Process flow diagram.

Step S102 determines that business user is participated in the business in the business procedure provided using business provider and existed The project of the guarantee project of at least one Service assurance dimension ensures data.

In practical application, the business participant in Internet scene mainly includes two sides: a side is another for providing business Side is for wherein a side of the business of offer is business provider, providing industry using described in business provider using the business provided Another party of business is business user.Such as in online trading business scenario, business provider is either to user and businessman The online trading platform operation side of online trading platform is provided, is also possible to provide a user business service in online trading platform Businessman；Business user either using online trading platform carry out transaction business user and businessman, be also possible to line The user of the provided business service of businessman is provided in upper transaction platform.It shares in bicycle business scenario for another example, business provider Refer to the operator of shared bicycle, business user refers to the user using shared bicycle.

Service assurance dimension described in the embodiment of the present application refers to the dimension ensured for business.The guarantee project It is preferred that referring to insurance coverage, correspondingly, following projects ensures that data refer to triggering and participate in insured time of the insurance coverage Number, following support costs refer to that the insurance premium that the insurance coverage generates, the project details of following guarantee projects refer to The warranty details of the insurance coverage.

It should be noted that the support cost is by the business user and described business provider the two at least one Person generates during participating in the guarantee project as program member.Such as in online trading business scenario, user is as guarantor The member that participates in of dangerous project participates in the insurance premium generated during insurance coverage；Alternatively, in online trading business scenario, businessman The member that participates in as insurance coverage participates in the insurance premium generated during insurance coverage.Bicycle business scenario is shared for another example In, user participates in the insurance premium generated during insurance coverage as the member that participates in of insurance coverage.

By taking online trading business scenario as an example, the guarantee dimension of online trading business, which can be, generates online trading business The guarantee dimension (trade order guarantee dimension) that is ensured of trade order, which ensures that the ensuring target of dimension is The expense of loss caused by dispute or generation occurs around trade order, which ensures that the guarantee project of dimension can To be to be insured using the expense that loss caused by dispute or generation occurs around trade order as the trade order of insured object Project is ensured by way of insurance to by protecting rights and interests for core of trade order, to enclose to reduce or even avoid The expense of loss caused by dispute or generation occurs around trade order.

For example, user buys commodity by online trading platform, the commodity transaction order of the purchase commodity is generated, user is worked as The commodity of purchase have flaw or user to receive the dissatisfied desired return of goods of commodity, but the quotient of the commodity is sold on online trading platform Family may disagree the merchandise return request of user；In this case, just seem very for the insurance coverage of commodity transaction order It is necessary to, when for commodity transaction order dispute occurs for user with businessman, paid for first in advance to user from insurance company, then Recovery is carried out from insurance company to businessman.

Similar, if the businessman of online trading platform wants damage caused by reducing or avoid user's reimbursement or returning goods The expense lost or generated, businessman can equally ensure the equity of itself by way of insurance, and concrete mode and user participate in The mode of insurance coverage is similar, and details are not described herein again.

In addition, the guarantee dimension of online trading business can be to the freight charges of the logistics order of online trading service generation into The guarantee dimension (logistics freight charges ensure dimension) that row ensures, the ensuring target which ensures that dimension is ensured is to surround The freight charges that logistics order generates, the trade order ensure that the guarantee project of dimension can be the freight charges to generate around logistics order For the logistics freight insurance project of insured object, to the freight charges generated using logistics order as the guarantee of core by way of insurance Equity is ensured, thus come the dispute and loss that reduce or even avoid the freight charges generated around logistics order to occur.

For example, user buys commodity by online trading platform, the commodity of user's purchase can generate corresponding logistics order And dispensed, when user receiving commodity want return goods, once businessman and user be not directed to return goods generate logistics freight charges Clearly arranged, is then likely to the dispute for occurring about logistics freight charges；In this case, for the insurance item of logistics order Mesh, which just seems, to be highly desirable, and when with regard to logistics freight charges dispute occurs for user and businessman, is produced by insurance company's return of goods of indemnitying in advance Raw logistics freight charges, then this fraction of stream freight charges of recovery are carried out from insurance company to businessman.

The guarantee dimension of online trading business can also be the logistics time limit to the logistics order of online trading service generation The guarantee dimension (the logistics time limit ensures dimension) ensured, the ensuring target which ensures that dimension is ensured is object Stream the time limit time-out after generate dispute or caused by lose, the logistics time limit ensure dimension guarantee project can be with object Flow the time limit time-out after generate dispute or caused by loss be insured object logistics time limit insurance coverage, pass through insurance Mode is ensured to be limited to protecting rights and interests for core when logistics, thus to reduce or even avoid to produce after logistics time limit time-out Raw dispute or caused by lose.

For example, user buys commodity by online trading platform, the commodity of user's purchase can generate corresponding logistics order And logistics distribution is carried out, after time limit of the logistics distribution beyond logistics order agreement, may cause damages to user (ratio Such as, user goes out that the commodity that the commodity of purchase are rejected or user is badly in need of using is caused to exist after the dispatching time limit of agreement Reached after the dispatching time limit of agreement, user no longer needs to need to return goods using the commodity), in this case, when for logistics The insurance coverage of limit just seems and is highly desirable, need to be by elder generation, insurance company when logistics distribution exceeds the time limit of logistics order agreement Row compensates the loss of user, then carries out this partial loss that recovery is compensated to user from insurance company to businessman.

It shares in bicycle business scenario for another example, the guarantee dimension ensured to shared bicycle business can be to user Use the healthy and safe guarantee dimension (healthy and safe guarantee dimension) ensured during shared bicycle, the healthy and safe guarantor The guarantee project of barrier dimension can be to surround the healthy and safe healthy and safe insurance coverage for insured object of user, pass through guarantor The mode of danger is ensured to the healthy and safe of user for protecting rights and interests for core, thus to reduce or even avoid user health The expense of loss caused by accident or generation occurs for safety.

Ride for example, user shares bicycle by shared bicycle platform selecting, user during riding shared bicycle, When accident, which occurs, to be caused user health impaired and generates medical expense, user asked for shared bicycle platform operation side it is strong During health impaired reparation and medical expense, it is likely that dispute can occur with shared bicycle platform operation side, in this feelings Under condition, just seems and be highly desirable for the healthy and safe insurance coverage of user, as user and shared bicycle platform operation side It when dispute occurs, is paid for first to user from insurance company, then is carried out from insurance company to shared bicycle platform operation side in advance Recovery.

It is similar, if shared bicycle platform operation side want to reduce even avoid compensating the impaired reparation of user health and Medical expense, can equally ensure the equity of itself by way of insurance, and concrete mode and user participate in the side of insurance coverage Formula is similar, and details are not described herein again.

In a kind of preferred embodiment provided by the embodiments of the present application, determine that business user is mentioned using business provider The business is participated in the business procedure of confession and ensures data in the project of the guarantee project of at least one Service assurance dimension, specifically Include:

1) after detecting that the guarantee project is triggered, judge the guarantee project the being triggered corresponding guarantee period Whether project details generate；

If 2) generate, judge to trigger whether the guarantee project corresponding triggered time meets in the project details and record Settlement information in include billing cycle；

If not satisfied, being then not processed；

If 3) do not generate, the guarantee project is generated in the project details for ensureing the period.

For example, businessman gives transaction for all users for buying commodity in its shops and orders in online trading business scenario Simple insurance, it may be assumed that all users that commodity are bought in businessman shops participate in trade order insurance item as participation member automatically In mesh；

Specifically, when user businessman buy commodity after, user can automatically as participate in member participate in business order protect Dangerous project, trade order insurance coverage can be triggered in the participation process, after trade order insurance coverage is triggered, and user It participates in after trade order insurance coverage, judges annual warranty details (the trade order guarantor of current trade order insurance coverage The insurance period of dangerous project is 1 year) whether generate；

If annual warranty details have generated, further judge whether full when current trade order insurance coverage is triggered The billing cycle recorded in the warranty details of the foot trade order insurance coverage is (for example, billing cycle is 1 week, 1 month or 1 Year)；If it is satisfied, determining the number and number of the order insurance coverage of participating in business added up in the billing cycle；If no Meet, is not processed；If annual warranty details do not generate, the annual warranty details of trade order insurance coverage are generated ?.

Step S104 ensures that business user described in data statistics participates in what the guarantee project generated based on the project Support cost.

In practical application, the Cheng Danliang of internet platform itself is often bigger, therefore service processing pressure is also bigger, Based on this, ensureing that business user described in data statistics participates in the support cost that the guarantee project generates based on the project During, on the basis of the project preferably in billing cycle described above ensures data, in the offline of the business The business user in the billing cycle is counted under environment and participates in the support cost that the guarantee project generates, to pass through Offline mode reduces service processing pressure, and support cost in the case of big flow high concurrent is avoided to calculate bring system complex Degree.

In project details described in the embodiment of the present application, record has the settlement information settled accounts to the support cost, institute It states settlement information and specifically includes billing cycle, clearing form and the clearing side.On this basis, the embodiment of the present application provides A kind of preferred embodiment in, if the guarantee project be the business provider in the business user described in the use It provides in business procedure, and is participated in by the business user, then include in the settlement information recorded in the project details Clearing side is the business provider.Correspondingly, being ensured described in the participation of business user described in data statistics based on the project The support cost that guarantee project generates participates in the guarantee item with specific reference to business provider described in the billing cycle is accumulative The accumulative single support cost for participating in number and the guarantee project of purpose, calculates total guarantee expense in the billing cycle With participating in the support cost that the guarantee project generates as the business user.

For example, businessman is to attract user, promote user's shopping experience, by businessman in online trading business scenario The user that commodity are bought in shops gives trade order insurance and provides the guarantee that trade order ensures dimension for user, it may be assumed that all The user that commodity are bought in businessman shops participates in trade order insurance coverage as participation member automatically, then the transaction is ordered It is clearing side that businessman is recorded in the annual warranty details of simple insurance project；Also, during calculating insurance premium, according to friendship Add up order insurance coverage of participating in business in the single insurance premium and billing cycle (1 month) of easy order insurance coverage It is accumulative to participate in number, calculate the total cost that businessman need to pay in 1 month for trade order insurance coverage.

In addition, on the basis of above-mentioned settlement information includes billing cycle, clearing form and the clearing side, the application In second of preferred embodiment that embodiment provides, if the guarantee project is that the business user is using the business It participates in the process, then the clearing side for including in the settlement information recorded in the project details is the business user.Accordingly , ensure that business user described in data statistics participates in the support cost that the guarantee project generates based on the project, specifically It is accomplished by

The guarantee project for participating in multiple Service assurance dimensions according to business provider described in the billing cycle is respective The accumulative respective single support cost of guarantee project for participating in number and the multiple Service assurance dimension, calculates separately institute State the support cost of multiple Service assurance dimensions in billing cycle；

Total guarantee expense in billing cycle is calculated according to the support cost of Service assurance dimensions multiple in the billing cycle With participating in the support cost that the guarantee project generates as the business user.

For example, businessman is to attract user, promote user's shopping experience, by businessman in online trading business scenario The user that commodity are bought in shops gives logistics freight insurance and the insurance of logistics time limit simultaneously and provides logistics freight charges guarantee for user Dimension and logistics time limit ensure the guarantee of the two dimensions of dimension, it may be assumed that all users that commodity are bought in businessman shops are automatic It is participated in logistics freight insurance project and logistics time limit insurance coverage the two insurance coverages as member is participated in, in this feelings Under condition, to reduce accept insurance number and cost of accepting insurance, logistics freight insurance project and logistics can be ensured by same warranty details The two insurance coverages of time limit insurance coverage, and it is detailed in the annual declaration form of logistics freight insurance project and logistics time limit insurance coverage It is clearing side that businessman is recorded in feelings；

During calculating insurance premium, first according to the single insurance premium of logistics freight insurance project, Yi Jijie The accumulative participation number for adding up to participate in logistics freight insurance project in period (1 month) is calculated, businessman is calculated and is directed in 1 month The total cost that logistics freight insurance project need to be paid；Similar, according to the single insurance premium of logistics time limit insurance coverage, and The accumulative participation number for adding up participation logistics time limit insurance coverage in billing cycle (1 month), calculates businessman's needle in 1 month The total cost that logistics time limit insurance coverage need to be paid；Total expense that logistics freight insurance project need to be paid finally is directed to according to businessman With with the total cost that need to pay for logistics time limit insurance coverage, calculate total expense that sum of the two is paid as businessman's needs With.

Step S106, according to the settlement information recorded in the project details of the Service assurance project, for the clearing The clearing side for including in information carries out the clearing of the support cost.

It is corresponding with two kinds of preferred embodiments that above-mentioned steps S104 is provided, on the basis of above-mentioned preferred embodiment, The settlement information that the application records in the project details according to the Service assurance project, for including in the settlement information Clearing side carry out the clearing of the support cost during, following two kinds of preferred embodiments are provided:

1) on the basis of second of preferred embodiment that above-mentioned steps S104 is provided, herein according to the Service assurance The settlement information recorded in the project details of project carries out the support cost for the clearing side for including in the settlement information Clearing, specifically carry out total support cost for the business provider according to the billing cycle and the clearing form Clearing.

2) on the basis of second of preferred embodiment that above-mentioned steps S104 is provided, herein according to the Service assurance The settlement information recorded in the project details of project carries out the support cost for the clearing side for including in the settlement information Clearing, specifically carry out the billing cycle for the business user according to the billing cycle and the clearing form The clearing of total support cost of interior multiple Service assurance dimensions.

Above two preferred embodiment provided by the embodiments of the present application, in a manner of annual warranty details to a kind of or On the basis of a variety of insurance coverages are accepted insurance, to the guarantor of the accumulative generation in billing cycle by way of arranging billing cycle Dangerous expense is uniformly settled accounts, and the warranty details carrying cost of insurance coverage is on the one hand reduced；On the other hand, insurance premium The calculating cost of support cost is greatly reduced in unified clearing, meanwhile, the unified clearing of insurance premium make the data knot of practical business Calculation is separated with the clearing of insurance premium, and insurance premium clearing are brought in the case of big flow high concurrent when avoiding practical business peak System complexity.

Following combination attached drawings 2, by taking Service assurance bill settlement method provided by the present application is in the application of insurance coverage as an example, Service assurance bill settlement method provided by the present application is further described.Service assurance expense applied to insurance coverage Settlement method includes step S202 to step 214:

Step S202 detects that insurance coverage is triggered, the event of accepting insurance of the insurance coverage being triggered；

Specifically, the insurance coverage is the insurance coverage given from the businessman of electronic trade platform to user, as long as user Commodity are bought in the shops of businessman, then participate in the trade order insurance that purchase commodity are ensured with dimension in trade order automatically In project, logistics freight charges ensure dimension logistics freight insurance project in and/or the logistics time limit ensure dimension the logistics time limit In insurance coverage；

Step S204, judges whether the corresponding warranty details of the insurance coverage being triggered generate；

If generating, step S208 is executed；

If not generating, step S206 is executed；

Step S206 generates insurance coverage in the warranty details to the insurable period；

Step S208 judges to trigger whether the insurance coverage corresponding triggered time meets the clearing letter recorded in warranty details Whether the billing cycle for including in breath, i.e. judgement event corresponding time of accepting insurance of accepting insurance meet billing cycle；

If it is satisfied, executing following step S210；

If conditions are not met, being then not processed；

Step S210 determines that user participates in triggering during insurance coverage and participating in the insured of insurance coverage in billing cycle Number；

Step S212 participates in the ginseng of insurance coverage according to the single support cost of insurance coverage and user in billing cycle Number is protected, total support cost of the participation insurance coverage in billing cycle is calculated；

Step S214, the participation insurance coverage according to the clearing form recorded in warranty details to businessman in billing cycle Total support cost settled accounts, ensure payment of fees to total to realize.

In conclusion Service assurance bill settlement method provided by the present application, by the single clearing side that will ensure project Formula becomes carrying out unified clearing to the accumulative support cost generated of guarantee project is participated in a period of time according to Service assurance dimension, From the point of view of support cost settles accounts angle, unified clearing drastically reduce the clearing time of support cost compared to single clearing form Number, reduces settlement cost；In addition, coming from practical business processing and the angle of the support cost clearing the relationship of the two of the project of guarantee It sees, the unified clearing of support cost separate the treatment process of both practical business processing and support cost clearing, avoid reality Support cost settles accounts bring system complexity in the case of big flow high concurrent when the peak traffic of border.

A kind of Service assurance disbursement and sattlement Installation practice provided by the present application is as follows:

In the above-described embodiment, a kind of Service assurance bill settlement method is provided, corresponding, the application is also A kind of Service assurance disbursement and sattlement device is provided, is illustrated with reference to the accompanying drawing.

Referring to attached drawing 3, it illustrates a kind of schematic diagrames of Service assurance disbursement and sattlement Installation practice provided by the present application.

Since Installation practice is substantially similar to embodiment of the method, so describing fairly simple, relevant part please join The corresponding explanation of the embodiment of the method for above-mentioned offer is provided.Installation practice described below is only schematical.

Project ensures data determination unit 302, is configured to determine that business user is being provided using business provider The business is participated in business procedure ensures data in the project of the guarantee project of at least one Service assurance dimension；

Support cost statistic unit 304 is configured as ensureing the ginseng of business user described in data statistics based on the project The support cost generated with the guarantee project；

Support cost clearing unit 306 is configured as the knot recorded in the project details according to the Service assurance project Information is calculated, the clearing of the support cost are carried out for the clearing side for including in the settlement information.

Optionally, the project ensures data determination unit 302, comprising:

Subelement is configured as after detecting that the guarantee project is triggered, judges the guarantee project being triggered Whether the corresponding project details for ensureing the period generate；

If generating, operation billing cycle triggers judgment sub-unit；

If not generating, operation project details generate subelement；

The billing cycle triggers judgment sub-unit, is configured as judgement and triggers the guarantee project corresponding triggered time Whether the billing cycle that in the settlement information that in the project details records includes is met；If satisfied, determining the billing cycle The project that the interior business user participates in guarantee project of the business at least one Service assurance dimension ensures number According to；

The project details generate subelement, and it is detailed in the project for ensureing the period to be configurable to generate the guarantee project Feelings.

Optionally, the support cost statistic unit 304 is specifically configured to based on the item in the billing cycle Mesh ensures data, and the business user in the billing cycle is counted under the offline environment of the business and participates in the guarantee The support cost that project generates.

Optionally, if the guarantee project is using the business mistake in the business user for the business provider It provides in journey, and is participated in by the business user, then the clearing side for including in the settlement information recorded in the project details For the business provider；Correspondingly, the support cost statistic unit 304, comprising:

First total guarantee cost-calculation unit, is configured as accumulative according to business provider described in the billing cycle The accumulative participation number of the guarantee project and the single support cost of the guarantee project are participated in, the billing cycle is calculated Interior total support cost participates in the support cost that the guarantee project generates as the business user.

Optionally, the support cost clearing unit 306, is specifically configured to according to the billing cycle and the clearing Mode carries out the clearing of total support cost for the business provider.

Optionally, described if the guarantee project is that the business user is participated in using the business procedure The clearing side for including in the settlement information recorded in project details is the business user；Correspondingly, the support cost system Count unit 304, comprising:

Support cost computation subunit is configured as participating in multiple industry according to business provider described in the billing cycle Business ensure dimension the respective accumulative participation number of guarantee project and the multiple Service assurance dimension guarantee project respectively Single support cost, calculate multiple respective support costs of Service assurance dimension in the billing cycle；

Second total guarantee cost-calculation unit, is configured as each according to Service assurance dimensions multiple in the billing cycle From support cost calculate total support costs of multiple Service assurance dimensions in the billing cycle, as the business user Participate in the support cost that the guarantee project generates.

Optionally, the support cost clearing unit 306, is specifically configured to according to the billing cycle and the clearing Mode carries out the clearing of total support cost of multiple Service assurance dimensions in the billing cycle for the business user.

Optionally, the guarantee project includes: insurance coverage；

The support cost includes: insurance premium；

A kind of calculating apparatus embodiments provided by the present application are as follows:

Fig. 4 is to show the structural block diagram of the calculating equipment 400 according to one embodiment of this specification.The calculating equipment 400 Component include but is not limited to memory 410 and processor 420.Processor 420 is connected with memory 410 by bus 430, Database 450 is for saving data.

Calculating equipment 400 further includes access device 440, access device 440 enable calculate equipment 400 via one or Multiple networks 460 communicate.The example of these networks includes public switched telephone network (PSTN), local area network (LAN), wide area network (WAN), the combination of the communication network of personal area network (PAN) or such as internet.Access device 440 may include wired or wireless One or more of any kind of network interface (for example, network interface card (NIC)), such as IEEE802.11 wireless local area Net (WLAN) wireless interface, worldwide interoperability for microwave accesses (Wi-MAX) interface, Ethernet interface, universal serial bus (USB) connect Mouth, cellular network interface, blue tooth interface, near-field communication (NFC) interface, etc..

In one embodiment of this specification, other unshowned portions in the above-mentioned component and Fig. 4 of equipment 400 are calculated Part can also be connected to each other, such as pass through bus.It should be appreciated that calculating device structure block diagram shown in Fig. 4 merely for the sake of Exemplary purpose, rather than the limitation to this specification range.Those skilled in the art can according to need, and increases or replaces it His component.

Calculating equipment 400 can be any kind of static or mobile computing device, including mobile computer or mobile meter Calculate equipment (for example, tablet computer, personal digital assistant, laptop computer, notebook computer, net book etc.), movement Phone (for example, smart phone), wearable calculating equipment (for example, smartwatch, intelligent glasses etc.) or other kinds of shifting Dynamic equipment, or the static calculating equipment of such as desktop computer or PC.Calculating equipment 400 can also be mobile or state type Server.

The application provides a kind of calculating equipment, including memory 410, processor 420 and storage are on a memory and can be The computer instruction run on processor, the processor 420 is for executing following computer executable instructions:

Optionally, the guarantee project includes: insurance coverage；

The support cost includes: insurance premium；

A kind of computer readable storage medium embodiment provided by the present application is as follows:

One embodiment of the application also provides a kind of computer readable storage medium, is stored with computer instruction, the instruction To be used for when being executed by processor:

Optionally, comprising at least one of following in the settlement information:

Billing cycle, clearing form and the clearing side.

Optionally, the guarantee project includes: insurance coverage；

The support cost includes: insurance premium；

A kind of exemplary scheme of above-mentioned computer readable storage medium for the present embodiment.It should be noted that this is deposited The technical solution of storage media and the technical solution of above-mentioned Service assurance bill settlement method belong to same design, storage medium The detail content that technical solution is not described in detail may refer to retouching for the technical solution of above-mentioned Service assurance bill settlement method It states.

The computer instruction includes computer program code, the computer program code can for source code form, Object identification code form, executable file or certain intermediate forms etc..The computer-readable medium may include: that can carry institute State any entity or device, recording medium, USB flash disk, mobile hard disk, magnetic disk, CD, the computer storage of computer program code Device, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), Electric carrier signal, telecommunication signal and software distribution medium etc..It should be noted that the computer-readable medium include it is interior Increase and decrease appropriate can be carried out according to the requirement made laws in jurisdiction with patent practice by holding, such as in certain jurisdictions of courts Area does not include electric carrier signal and telecommunication signal according to legislation and patent practice, computer-readable medium.

It should be noted that for the various method embodiments described above, describing for simplicity, therefore, it is stated as a series of Combination of actions, but those skilled in the art should understand that, the application is not limited by the described action sequence because According to the application, certain steps can use other sequences or carry out simultaneously.Secondly, those skilled in the art should also know It knows, the embodiments described in the specification are all preferred embodiments, and related actions and modules might not all be this Shen It please be necessary.

In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, there is no the portion being described in detail in some embodiment Point, it may refer to the associated description of other embodiments.

The application preferred embodiment disclosed above is only intended to help to illustrate the application.There is no detailed for alternative embodiment All details are described, are not limited the invention to the specific embodiments described.Obviously, according to the content of this specification, It can make many modifications and variations.These embodiments are chosen and specifically described to this specification, is in order to preferably explain the application Principle and practical application, so that skilled artisan be enable to better understand and utilize the application.The application is only It is limited by claims and its full scope and equivalent.

Claims

1. a kind of Service assurance bill settlement method characterized by comprising

Determine that business user participates in the business at least one business in the business procedure provided using business provider Ensure that the project of the guarantee project of dimension ensures data；

According to the settlement information recorded in the project details of the Service assurance project, for the knot for including in the settlement information Calculation side carries out the clearing of the support cost.

2. Service assurance bill settlement method according to claim 1, which is characterized in that the support cost, by described During at least one of both business user and the business provider participate in the guarantee project as program member It generates.

3. Service assurance bill settlement method according to claim 1, which is characterized in that the determining business user exists The business is participated in the business procedure provided using business provider in the guarantee project of at least one Service assurance dimension Project ensures data, comprising:

After detecting that the guarantee project is triggered, judge that the corresponding project for ensureing the period of the guarantee project being triggered is detailed Whether feelings generate；

If generating, judge to trigger whether the guarantee project corresponding triggered time meets the clearing recorded in the project details The billing cycle for including in information；

If satisfied, determining that the business user participates in the business at least one Service assurance dimension in the billing cycle Guarantee project the project ensure data；

4. Service assurance bill settlement method according to claim 3, which is characterized in that described to be based on the project guarantee Business user described in data statistics participates in the support cost that the guarantee project generates, comprising:

Data are ensured based on the project in the billing cycle, and the clearing week is counted under the offline environment of the business The business user participates in the support cost that the guarantee project generates in phase.

5. Service assurance bill settlement method according to claim 1, which is characterized in that under including in the settlement information State at least one:

Billing cycle, clearing form and the clearing side.

6. Service assurance bill settlement method according to claim 5, which is characterized in that if the guarantee project is described Business provider is provided in using the business procedure in the business user, and is participated in by the business user, then The clearing side for including in the settlement information recorded in the project details is the business provider；

Correspondingly, described ensure that business user described in data statistics participates in the guarantor that the guarantee project generates based on the project Barrier expense, comprising:

According to the accumulative accumulative participation number for participating in the guarantee project of business provider described in the billing cycle and institute The single support cost for stating guarantee project calculates total support cost in the billing cycle, joins as the business user The support cost generated with the guarantee project.

7. Service assurance bill settlement method according to claim 6, which is characterized in that described according to the Service assurance The settlement information recorded in the project details of project carries out the support cost for the clearing side for including in the settlement information Clearing, comprising:

The clearing of total support cost are carried out for the business provider according to the billing cycle and the clearing form.

8. Service assurance bill settlement method according to claim 5, which is characterized in that if the guarantee project is described Business user is participated in using the business procedure, then the clearing for including in the settlement information recorded in the project details Side is the business user；

The guarantee project for participating in multiple Service assurance dimensions according to business provider described in the billing cycle is respective accumulative The respective single support cost of guarantee project of number and the multiple Service assurance dimension is participated in, the clearing week is calculated Multiple respective support costs of Service assurance dimension in phase；

Multiple industry in the billing cycle are calculated according to the respective support cost of Service assurance dimensions multiple in the billing cycle Business ensures total support cost of dimension, participates in the support cost that the guarantee project generates as the business user.

9. Service assurance bill settlement method according to claim 8, which is characterized in that described according to the Service assurance The settlement information recorded in the project details of project carries out the support cost for the clearing side for including in the settlement information Clearing, comprising:

Multiple industry in the billing cycle are carried out for the business user according to the billing cycle and the clearing form Business ensures the clearing of total support cost of dimension.

10. according to claim 1 to Service assurance bill settlement method described in 9 any one, which is characterized in that the guarantee Project includes: insurance coverage；

The support cost includes: insurance premium；

11. Service assurance bill settlement method according to claim 10, which is characterized in that the Service assurance dimension, Including at least one of following:

Trade order ensures dimension, and logistics freight charges ensure dimension, and the logistics time limit ensures dimension, described in the business user use Healthy and safe guarantee dimension in business procedure.

12. Service assurance bill settlement method according to claim 11, which is characterized in that the Service assurance dimension Guarantee project, including at least one of following:

Ensure that dimension is directed to the trade order insurance coverage that trade order treatment process is ensured in the trade order, in institute It states logistics freight charges and ensures that dimension is directed to the logistics freight insurance project that logistics freight charges are ensured, ensure and tie up in the logistics time limit The logistics time limit insurance coverage that degree is ensured for the logistics time limit of logistics order, is directed in the healthy and safe guarantee dimension The healthy and safe healthy and safe insurance coverage ensured of the business user.

13. a kind of Service assurance disbursement and sattlement device characterized by comprising

Project ensures data determination unit, is configured to determine that business user in the business procedure provided using business provider The project of guarantee project of the middle participation business at least one Service assurance dimension ensures data；

Support cost statistic unit is configured as ensureing that business user described in data statistics participates in the guarantor based on the project The support cost that barrier project generates；

Support cost clearing unit is configured as the settlement information recorded in the project details according to the Service assurance project, The clearing of the support cost are carried out for the clearing side for including in the settlement information.

14. a kind of calculating equipment characterized by comprising

Memory and processor；

The memory is for storing computer executable instructions, and for executing, the computer is executable to be referred to the processor It enables:

15. a kind of computer readable storage medium, is stored with computer instruction, which is characterized in that the instruction is held by processor The step of Service assurance bill settlement method described in claim 1 to 12 any one is realized when row.