CN110428340B - Service system of full-automatic aviation insurance and implementation method thereof - Google Patents
Service system of full-automatic aviation insurance and implementation method thereof Download PDFInfo
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Abstract
The invention discloses a service system of full-automatic aviation insurance and an implementation method thereof, wherein the service system comprises a flight dynamic database module, a real-name authentication and authorization module, a passenger journey management module, a passenger dynamic database module, a claim settlement core processing module, an insurance application core processing module, a user information management module, a user information acquisition module, a payment processing module, a product management module and a deduction management module. The invention avoids the problem that the passengers abandon the insurance application because of forgetting or fussy insurance application process, and carries out the high-risk trip without insurance; the complex procedure of collecting delay evidence by oneself after the passengers go out of danger and the inconvenience brought by the complex procedure are avoided, namely the service cost of insurance claims is reduced, the service time is shortened, the perception and satisfaction of users are improved, and the healthy development of related aviation insurance markets is facilitated.
Description
Technical Field
The invention belongs to the technical fields of civil aviation information data utilization analysis processing, various insurance purchasing and claim settlement services, financial payment, internet payment and citizen credit information grading, and particularly relates to a full-automatic aviation insurance service system and an implementation method thereof.
Background
Nowadays, airplanes are used as the preferred transportation means for more and more traveling passengers, the security and service requirements of the passengers on the own interests are increasingly improved, and in order to meet the security requirements of passengers with different levels and different requirements, insurance companies also put forward corresponding products for security on the passengers in various aspects, such as aviation accident risk, aviation delay risk, flight cancellation risk, baggage risk and the like. Although the guaranteed content and the responsibility range of the product are different, the product essentially provides compensation which is not limited to cash form for the passengers or insurance beneficiaries when the personal and property rights are damaged due to accidents, delays, cancellation, luggage loss and other unexpected reasons of the guaranteed flights on which the passengers are scheduled to take.
The selling and the claim settlement of the traditional aviation insurance products all need the active operation of the passengers, and the buying needs the selection of selling channels, the selection of products, the filling of personal information, the filling of the information of flights taken by the passengers and the payment; the compensation after the danger is obtained, the passengers are required to collect the evidence of the insurance liability accident (such as flight delay, cancellation proof or baggage loss proof) by themselves, then apply claims to the insurance company 13 or other providing product providers, the personnel are required to check and confirm whether the information submitted by the passengers and the accident occurrence condition accord with the claim standard or not after the acceptance, and the cooperation is implemented after the checking, so that the claims are purchased, each process involves different companies and different departments, a plurality of links are required to participate in a large amount of manpower, the process is complex, the process is labor-consuming, the pressure of the product provider and the service provider is high, and the user perception is very unfriendly. Sometimes, because the process is complex or the traveler forgets or gives up buying or gives up paying and paying the paying, a set of full-automatic aviation insurance system is needed, and the system can rapidly, accurately and conveniently actively purchase insurance, actively provide paying and paying for each traveling of the traveler; claims are purchased from insurance purchases to form a closed service loop.
Disclosure of Invention
The invention aims to overcome the defect of purchasing and claim settlement service of flight insurance products such as flight accident insurance, flight delay insurance, flight cancellation insurance, luggage insurance and the like when a traditional passenger takes a flight to go out, and provides a full-automatic aviation insurance service system and an implementation method thereof. The invention not only can automatically track the travel information of each flight trip of the passenger, but also can automatically judge whether the passenger is in danger or not and whether the passenger meets the paying condition or not for the purpose of automatically purchasing related insurance for the trip, and can automatically and conveniently finish paying and cashing in cash after meeting the paying condition.
The technical scheme adopted by the invention is as follows:
a service system for full-automatic aviation insurance, comprising:
the real-name authentication and authorization module is connected with the external sales system through an interface, receives the identity information of the passenger, authenticates the identity of the user through the third party authentication platform, ensures that the current user is the passenger himself, prompts the user authorization system to track the flight trip information of a specified time period after successful authentication, and sends the authorized user information to the passenger trip management module;
the passenger journey management module is used for tracking the flight journey of the passenger, receiving the information of the authorized user and managing and storing the identity information, the product information and the flight journey information of the authorized time period; after the user authorization is canceled, stopping passenger flight travel tracking; meanwhile, the authorized user information is sent to a passenger dynamic database module, whether tracking is in a valid state or not is confirmed according to the received passenger flight ticket outlet information, a result is fed back to the passenger dynamic database module, and the product information is the clauses and rules of flight insurance products;
the passenger dynamic database module is connected with the external passenger dynamic database server through an interface, subscribes passenger journey dynamic information from the external passenger dynamic database server according to the received authorized user information, sends the passenger flight ticket-out information in the acquired passenger journey dynamic information to the passenger journey management module for confirming the tracking effective state, and verifies whether a passenger actually takes after the passenger is in the effective state after the passenger journey management module feeds back the tracking effective state and sends the passenger taking state to the claim core processing module;
the insurance application core processing module is used for sending a deduction request instruction to the deduction management module by utilizing the user information in the passenger flight ticket outlet information, the flight information, the product information in the product management module and the insurance application rule conditions, sending the passenger flight ticket outlet information to an external insurance company after the deduction management module feeds back the deduction success, finishing the passenger journey insurance according to the insurance application rule conditions provided by the product management module, storing and managing insurance policy data, and sending the insurance policy data to the claim settlement core processing module;
the flight dynamic database module is connected with an external flight dynamic database server through an interface, customizes required flight dynamic information and sends the acquired flight dynamic information to the claim settlement core processing module;
the claim settlement core processing module receives the flight dynamic information and the passenger taking state, judges whether the passenger accords with the claim settlement condition according to the basic parameters of the claim settlement condition or not, inquires and extracts the identity and account information of the insured person from the user information management module if the passenger accords with the claim settlement condition, and sends a claim settlement instruction to the payment processing module;
the payment processing module is connected with the third party payment platform and the bank payment platform through interfaces, carries out claim payment on the policy judged to be in accordance with the claim settlement conditions, sends a payment instruction to the third party payment platform or the bank payment platform, and receives a processing result state report fed back by the third party payment platform or the bank payment platform;
the deduction management module is connected with the third party payment platform through an interface, receives a deduction request instruction, sends the deduction request instruction to the third party payment platform, receives a processing result state report fed back by the third party payment platform, and feeds back successful deduction to the application core processing module;
the user information management module is used for storing and managing the identity information of the applicant, the identity and the account information of the protected person, and providing the identity and the account information of the protected person for the claim settlement core processing module when the fact that the passenger accords with the claim settlement conditions is judged;
the user information acquisition module is used for acquiring the required user information through interaction with the passengers when the passenger information sent by the external sales system does not need to be fully supplemented, and sending the required user information to the user information management module;
and the product management module is used for storing and managing the clauses and rules of the flight insurance products, providing insurance rule conditions for the insurance core processing module and providing basic parameters for the claim settlement core processing module to judge whether the insurance rule conditions are met.
On the basis of the technical scheme, the service system of the full-automatic aviation insurance further comprises an anti-fraud risk management module, wherein the anti-fraud risk management module is used for receiving the passenger flight ticket-out information sent by the passenger dynamic database module, verifying whether the passenger identity information in the passenger flight ticket-out information meets the insurance application condition or not, and if the verification result is a high-sensitivity user, the insurance application condition is not met, and the processing is stopped; if the verification result is a non-high sensitive user, meeting the insurance application condition, performing insurance pre-management and control on the sensitive user, and sending the passenger flight ticket-out information to an insurance core processing module; and verifying whether the sensitive user notified by the third party authority meets the application condition.
On the basis of the technical scheme, the third party organization comprises a third party cooperation organization, a third party insurance company and a third party credit investigation organization, and the pre-application management and control comprises application limitation and improvement of application conditions.
On the basis of the technical scheme, the dynamic information of the passenger journey further comprises ticket refunding and change information.
On the basis of the technical scheme, the policy data comprise the identity information of the applicant, the identity and account information of the protected person, the information of the product to be protected, the information of the flight to be protected and the information data of the channel to be protected.
On the basis of the technical scheme, the flight dynamic information comprises real-time dynamic information of the estimated take-off, landing, preparation and return of the aircraft.
On the basis of the technical scheme, the user information acquisition module acquires the required user information interactively with the passengers through short messages, voices, websites, clients or WeChat modes.
A realization method of a service system of full-automatic aviation insurance comprises the following steps:
the external sales system sends the passenger identity information to the real-name authentication and authorization module after obtaining the flight trip information of the user authorized tracking user in the appointed time period and the selected product information, the real-name authentication and authorization module authenticates the user identity through the third party authentication platform, so that the current user is the passenger himself, after the authentication is successful, the user authorization system is prompted to track the flight trip information of the user authorized in the appointed time period, and the authorized user information is sent to the passenger trip management module;
the passenger journey management module tracks the passenger journey, receives the information of authorized users, and manages and stores the identity information, the product information and the flight journey information of the appointed time period; after the user authorization is canceled, stopping passenger flight travel tracking; simultaneously transmitting the authorized user information to a passenger dynamic database module;
the passenger dynamic database module subscribes the passenger journey dynamic information to an external passenger journey dynamic database server according to the received authorized user information, after the passenger purchases the air ticket, the passenger journey dynamic database server acquires the passenger journey dynamic information and sends the passenger journey dynamic information to the passenger journey dynamic database module, the passenger dynamic database module sends the passenger flight ticket outlet information in the acquired passenger journey dynamic information to the passenger journey management module for tracking and validating state confirmation, and after the passenger journey management module feeds back and tracks in an effective state, the passenger flight ticket outlet information is sent to the application core processing module;
the method comprises the steps that an application core processing module receives passenger flight ticket drawing information, sends a deduction request instruction to a deduction management module by using user information and flight information in the passenger flight ticket drawing information and product information and application rule conditions in a product management module, sends the deduction request instruction to a third party payment platform, receives a processing result state report fed back by the third party payment platform, and feeds back successful deduction to the application core processing module;
the insurance application core processing module sends the passenger flight ticket information to an external insurance company, completes the passenger journey insurance according to the insurance application rule conditions provided by the product management module, stores and manages the insurance policy data, and sends the insurance policy data to the claim settlement core processing module;
the claim settlement core processing module receives the flight dynamic information sent by the flight dynamic database module and the passenger taking state sent by the passenger dynamic database module, judges whether the passenger accords with the claim settlement condition according to the basic parameters which are provided by the product management module and accord with the claim settlement condition or not, inquires and extracts the identity and account information of the protected person from the user information management module if the passenger accords with the claim settlement condition, and sends a claim payment instruction to the payment processing module;
the payment processing module carries out claim payment on the policy judged to be in accordance with the claim settlement condition, sends a payment instruction to the third party payment platform or the bank payment platform, and receives a processing result state report fed back by the third party payment platform or the bank payment platform.
On the basis of the technical scheme, the realization method of the service system of the full-automatic aviation insurance further comprises the following steps:
the passenger dynamic database module sends the passenger flight ticket-out information to the anti-fraud risk management module, the anti-fraud risk management module verifies whether the passenger identity information in the received passenger flight ticket-out information meets the application condition, if the verification result is a high-sensitivity user, the application condition is not met, the processing is stopped, if the verification result is a non-high-sensitivity user, the application condition is met, the sensitive user is subjected to application front management and control, the application front management and control comprises application limitation and improvement of the application condition, and the passenger flight ticket-out information is sent to the application core processing module.
On the basis of the technical scheme, the realization method of the service system of the full-automatic aviation insurance further comprises the following steps:
if the claim core processing module inquires the user information management module and finds that the information is not fully needed to be supplemented in the process of extracting the identity and account information of the protected person, the claim core processing module sends a user information supplementing instruction to the user information acquisition module, and the user information acquisition module acquires the needed user information through interaction with the passenger according to the user information supplementing instruction and then sends the user information to the user information management module.
The beneficial effects of the invention are as follows:
the invention can automatically capture the state of the air ticket after the air ticket is purchased, returned and changed by the traveler, and automatically deduct and refund the aviation insurance according to the information authorized before the traveler; automatically applying insurance and returning insurance to an insurance company, quickly and accurately acquiring relevant information when the ensured flight changes dynamically, automatically judging whether an insurance policy is in danger or not and whether the insurance policy meets the condition of claim settlement, and quickly implementing the payment of the insurance policy meeting the condition of claim settlement, wherein the first step is to dispense with the application of insurance due to forgetting or complicated insurance applying process of passengers, and go out without insurance and high risk; secondly, the complicated procedure of collecting delay evidence by oneself after the passengers go out of danger and the inconvenience brought by the procedure are avoided, namely, the service cost of insurance claims is reduced, the service time is shortened, the perception and satisfaction of users are improved, and the healthy development of related aviation insurance markets is facilitated.
Drawings
Fig. 1 is a schematic diagram of a system configuration of an embodiment of the present invention.
In the figure: 1-an empty pipe database server; 2-an airline database server; 3-an external sales system; 4-a third party authentication platform; 5-a flight dynamic database module; 6-real name authentication and authorization module; 7-a passenger trip management module; 8-an anti-fraud risk management module; 9-a medium navigation message database server; 10-a passenger dynamic database module; 11-a claim core processing module; 12-an application core processing module; 13-insurance company; 14-a user information management module; 15-a user information acquisition module; 16-a payment processing module; 17-a product management module; 18-a deduction management module; 19-a bank payment platform; 20-third party paymate.
Detailed Description
The invention is further described with reference to the drawings and specific examples.
Examples:
as shown in fig. 1, a service system of full-automatic aviation insurance according to this embodiment includes:
the real-name authentication and authorization module 6 is connected with the external sales system 3 through an interface, receives the identity information of the passengers, wherein the identity information of the passengers comprises citizen unique information such as names, identity cards and the like, authenticates the user identity through the third party authentication platform 4, ensures that the current user is the passenger himself, prompts the user authorization system to track flight trip information in a specified time period after successful authentication, and sends the authorized user information to the passenger trip management module 7;
the passenger journey management module 7 is used for tracking the flight journey of the passenger, receiving the information of the authorized user and managing and storing the identity information, the product information and the flight journey information of the authorized time period; after the user authorization is canceled, stopping the passenger flight travel tracking, simultaneously transmitting the authorized user information to the passenger dynamic database module 10, confirming whether the tracking is in a valid state according to the received passenger flight ticket outlet information, and feeding back the result to the passenger dynamic database module 10, wherein the product information is the clauses and rules of the flight insurance products;
the passenger dynamic database module 10 is connected with an external passenger dynamic database server through an interface, subscribes passenger journey dynamic information from the external passenger dynamic database server according to received authorized user information, sends passenger flight ticket outlet information in the acquired passenger journey dynamic information to the passenger journey management module 7 for confirming a tracking effective state, sends the passenger flight ticket outlet information to the anti-fraud risk management module 8 after the passenger journey management module 7 feeds back the tracking effective state, verifies whether a passenger actually takes a service and sends the passenger taking state to the claim core processing module 11, and the passenger journey dynamic information comprises passenger flight ticket outlet, ticket return and ticket change information;
the application core processing module 12 receives the passenger flight ticket information, sends a deduction request instruction to the deduction management module 18 by utilizing the user information, the flight information in the passenger flight ticket information, the product information in the product management module 17 and the application rule conditions, sends the passenger flight ticket information to the external insurance company 13 after the deduction management module 18 feeds back the deduction success, finishes the passenger flight ticket information according to the application rule conditions provided by the product management module 17, stores and manages the policy data, and sends the policy data to the claim core processing module 11, wherein the policy data comprises the identity information of the applicant, the identity and account information of the insured person, the application product information, the application flight information and the application channel information data;
the flight dynamic database module 5 is connected with an external flight dynamic database server through an interface, and customizes required flight dynamic information, wherein the flight dynamic information comprises real-time dynamic information of estimated take-off, landing, preparation and return of the aircraft, and the acquired flight dynamic information is sent to the claim core processing module 11;
the claim settlement core processing module 11 receives the flight dynamic information and the passenger taking state, judges whether the passenger accords with the claim settlement condition according to the basic parameters of the claim settlement condition, inquires and extracts the identity and account information of the insured person from the user information management module 14 if the passenger accords with the claim settlement condition, and sends a claim payment instruction to the payment processing module 16;
the payment processing module 16 is connected with the third party payment platform 20 and the bank payment platform 19 through interfaces, pays a policy which is judged to be in accordance with the claim settlement conditions, sends a payment instruction to the third party payment platform 20 or the bank payment platform 19, and receives a processing result status report fed back by the third party payment platform 20 or the bank payment platform 19, wherein the payment instruction comprises transfer account information, transfer amount and a verification key;
the deduction management module 18 is connected with the third party payment platform 20 through an interface, receives a deduction request instruction, sends the deduction request instruction to the third party payment platform 20, receives a processing result state report fed back by the third party payment platform 20, and feeds back a successful deduction to the application core processing module 12, wherein the deduction request instruction comprises deduction account information, transfer account information, deduction amount and verification secret key;
a user information management module 14 for storing and managing the identity information of the applicant, the identity and account information of the insured person, and providing the identity and account information of the insured person to the claim core processing module 11 when it is determined that the traveler meets the claim settlement conditions;
the user information acquisition module 15 receives the user information complement instruction sent by the claim core processing module 11 when the passenger information sent by the external sales system 3 is not fully required to be complemented, and interacts with the passenger to acquire the required user information in a short message, voice, website, client, weChat and other modes according to the user information complement instruction, and sends the user information to the user information management module 14;
the product management module 17 stores and manages the terms and rules of the flight insurance products, such as the flight insurance, the aviation insurance, the cancellation insurance and the baggage insurance, and provides the insurance rule conditions for the insurance core processing module 12 and the basic parameters for the claim settlement core processing module 11 to judge whether the insurance products accord with the claim settlement conditions;
the anti-fraud risk management module 8 verifies whether the identity information of the passenger in the passenger flight ticket information meets the insurance application condition, and if the verification result is a highly sensitive user, the insurance application condition is not met, and the processing is stopped; if the verification result is that the user is not highly sensitive, meeting the insurance requirement, performing insurance pre-management and control on the sensitive user, and sending the passenger flight ticket-out information to the insurance core processing module 12; verifying whether the sensitive user notified by the third party mechanism meets the application conditions or not, wherein the third party mechanism comprises a third party cooperative mechanism, a third party insurance company 13 and a third party credit investigation mechanism, and the management and control before application comprises application limitation and application condition improvement;
the external sales system 3 comprises a system platform for selling air tickets and related auxiliary products and services by aviation passengers, such as an airline ticket sales system, an air ticket agent sales system and the like, and also comprises various system platforms for providing travel services and sales, such as an insurance company 13 policy sales system, an insurance broker company policy sales system and the like.
The external flight dynamic database server comprises an air traffic control database server 1, an airline database server 2 and other database servers for acquiring and updating flight dynamic states in real time.
The external passenger dynamic database server comprises a database server for acquiring and updating passenger journey dynamics in real time, such as a medium navigation information data server and the like.
The third party authentication platform 4 comprises an authentication platform providing authentication of the user's true identity by WeChat, payment treasury etc.
The third party paymate 20 includes a bank online banking paymate, a banjo, a payroll, a WeChat, a financial transaction, etc. providing payment and settlement services for bank accounts, between bank accounts and third party paymates, between third party paymates, etc.
The invention can automatically capture the state of the air ticket after the air ticket is purchased, returned and changed by the traveler, and automatically deduct and refund the aviation insurance according to the information authorized before the traveler; automatically applying insurance and returning insurance to an insurance company, quickly and accurately acquiring relevant information when the ensured flight changes dynamically, automatically judging whether an insurance policy is in danger or not and whether the insurance policy meets the condition of claim settlement, and quickly implementing the payment of the insurance policy meeting the condition of claim settlement, wherein the first step is to dispense with the application of insurance due to forgetting or complicated insurance applying process of passengers, and go out without insurance and high risk; secondly, the complicated procedure of collecting delay evidence by oneself after the passengers go out of danger and the inconvenience brought by the procedure are avoided, namely, the service cost of insurance claims is reduced, the service time is shortened, the perception and satisfaction of users are improved, and the healthy development of related aviation insurance markets is facilitated.
A realization method of a service system of full-automatic aviation insurance comprises the following steps:
after a flight insurance product is pushed out, the product related term rules are configured in the product management module 17, if the property insurance such as flight delay insurance is provided, delay time parameters meeting the payment conditions and delay judgment standards are departure delay or arrival delay, whether the flight is cancelled and paid, whether the flight is paid for preparation and paid for payment, whether the return after the flight takes off and paid for payment, and the riding state of the user are input; if the risk is canceled, recording judging parameters such as the ratio of the claim amount to the loss amount, the highest claim amount and the like, generating corresponding product codes, and completing the system preparation work of product sales insurance and claim settlement;
the external sales system 3 sends the passenger identity information to the real-name authentication and authorization module 6 after obtaining the flight trip information of the user authorized tracking user in the appointed time period and the selected product information, the real-name authentication and authorization module 6 authenticates the user identity through the third party authentication platform 4, the current user is ensured to be the passenger himself, after the authentication is successful, the user authorization system is prompted to track the flight trip information of the user in the appointed time period, and the authorized user information is sent to the passenger trip management module 7;
the passenger journey management module 7 carries out flight journey tracking on passengers, receives authorized user information, and manages and stores passenger identity information, product information and specified time period flight journey information; after the user authorization is canceled, stopping passenger flight travel tracking; simultaneously transmitting the authorized user information to the passenger dynamic database module 10;
the passenger dynamic database module 10 subscribes the passenger journey dynamic information to an external passenger journey dynamic database server according to the received authorized user information, after the passenger purchases the air ticket, the passenger journey dynamic database server acquires the passenger journey dynamic information and sends the passenger journey dynamic information to the passenger dynamic database module 10, the passenger dynamic database module 10 sends the passenger flight ticket outlet information in the acquired passenger journey dynamic information to the passenger journey management module 7 for tracking validation state confirmation, and after the passenger journey management module feeds back and tracks in the efficiency state, the passenger flight ticket outlet information is sent to the anti-fraud risk management module 8;
the anti-fraud risk management module 8 verifies whether the passenger identity information in the received passenger flight ticket information meets the application condition, if the verification result is a highly sensitive user, the application condition is not met, the processing is stopped, if the verification result is a non-highly sensitive user, the application condition is met, the sensitive user is subjected to application front management and control, the application front management and control comprises application limitation and improvement of the application condition, and the passenger flight ticket information is sent to the application core processing module 12;
the application core processing module 12 receives the passenger flight ticket information, sends a deduction request instruction to the deduction management module 18 by utilizing the user information in the passenger flight ticket information, the flight information, the product information in the product management module 17 and the application rule conditions, the deduction management module sends the deduction request instruction to the third party payment platform 20, the third party payment platform 20 deducts money from a passenger appointed account, receives a processing result state report fed back by the third party payment platform 20, and feeds back successful deduction to the application core processing module 12;
the insurance application core processing module 12 sends the information of the passenger flight ticket to the external insurance company, completes the passenger journey insurance according to the insurance application rule conditions provided by the product management module 17, stores and manages the insurance policy data, wherein the insurance policy data comprises the information of the identity of the insurance applicant, the identity and account information of the insured person, the information of the insurance product, the information of the insurance flight and the information data of the insurance channel, and sends the insurance policy data to the claim core processing module 11.
The claim settlement core processing module 11 receives the flight dynamic information sent by the flight dynamic database module 5 and the passenger taking state sent by the passenger dynamic database module 10, judges whether the passenger accords with the claim settlement condition according to the basic parameters which are provided by the product management module 17 and accord with the claim settlement condition, inquires and extracts the identity and account information of the insured person from the user information management module 14 if the claim settlement condition is judged to be met, and sends a claim settlement instruction to the payment processing module 16;
if the claim core processing module 11 inquires the user information management module 14 that the information is not fully needed to be supplemented in the process of extracting the identity and account information of the protected person, the claim core processing module 11 sends a user information supplementing instruction to the user information acquisition module 15, and the user information acquisition module 15 carries out interaction acquisition on the needed user information with the passengers in a short message, voice, website, client, weChat and other modes according to the user information supplementing instruction, and then sends the user information to the user information management module 14;
the payment processing module 16 applies claims to the policy which is judged to be in accordance with the claims, selects a payment mode which is in accordance with the current sales scenario according to the user account information, sales channels and other information in the user information management module 14 and the application core processing module 12, sends a payment instruction comprising data such as transfer account information, transfer amount, verification key and the like to the third party payment platform 20 or the bank payment platform 19, and receives a processing result status report fed back by the third party payment platform 20 or the bank payment platform 19.
The invention is not limited to the above-described alternative embodiments, and any person who may derive other various forms of products in the light of the present invention, however, any changes in shape or structure thereof, all falling within the technical solutions defined in the scope of the claims of the present invention, fall within the scope of protection of the present invention.
Claims (10)
1. A service system of full-automatic aviation insurance is characterized in that: comprising the following steps:
the real-name authentication and authorization module (6) is connected with the external sales system through an interface, receives the identity information of the passenger, authenticates the identity of the user through the third party authentication platform, ensures that the current user is the passenger himself, prompts the user authorization system to track the flight trip information of a specified time period after successful authentication, and sends the authorized user information to the passenger trip management module;
the passenger journey management module (7) is used for tracking the flight journey of the passenger, receiving the information of the authorized user and managing and storing the identity information, the product information and the flight journey information of the authorized time period; after the user authorization is canceled, stopping passenger flight travel tracking; meanwhile, the authorized user information is sent to the passenger dynamic database module, whether tracking is in a valid state or not is confirmed according to the received passenger flight ticket outlet information, and the result is fed back to the passenger dynamic database module;
the passenger dynamic database module (10) is connected with the external passenger dynamic database server through an interface, subscribes passenger journey dynamic information from the external passenger dynamic database server according to the received authorized user information, sends the passenger flight ticket-out information in the acquired passenger journey dynamic information to the passenger journey management module for confirming the tracking effective state, and verifies whether a passenger actually takes after the passenger is in the effective state after the passenger journey management module feeds back the tracking effective state and sends the passenger taking state to the claim core processing module;
the insurance application core processing module (12) is used for sending a deduction request instruction to the deduction management module by utilizing the user information and the flight information in the flight ticket outlet information of the passengers and the product information and the insurance rule conditions in the product management module, finishing the travel insurance of the passengers to an external insurance company according to the insurance rule conditions provided by the product management module after the deduction management module feeds back the deduction success, storing and managing insurance policy data, and sending the insurance policy data to the claim core processing module;
the flight dynamic database module (5) is connected with an external flight dynamic database server through an interface, customizes required flight dynamic information and sends the acquired flight dynamic information to the claim settlement core processing module;
the claim settlement core processing module (11) receives the flight dynamic information and the passenger taking state, judges whether the passenger accords with the claim settlement condition according to the basic parameters of the claim settlement condition, inquires and extracts the identity and account information of the insured person from the user information management module if the passenger accords with the claim settlement condition, and sends a claim settlement instruction to the payment processing module;
the payment processing module (16) is connected with the third party payment platform (20) and the bank payment platform (19) through interfaces, pays the insurance policy judged to be in accordance with the claim settlement conditions, sends a payment instruction to the third party payment platform or the bank payment platform, and receives a processing result state report fed back by the third party payment platform or the bank payment platform;
the deduction management module (18) is connected with the third party payment platform through an interface, receives a deduction request instruction, sends the deduction request instruction to the third party payment platform, receives a processing result state report fed back by the third party payment platform, and feeds back successful deduction to the application core processing module;
a user information management module (14) for storing and managing the identity information of the applicant, the identity and account information of the protected person, and providing the identity and account information of the protected person to the claim core processing module when the passenger is judged to be in accordance with the claim settlement conditions;
the user information acquisition module (15) is used for acquiring the required user information through interaction with the passengers when the passenger information sent by the external sales system does not need to be supplemented, and sending the required user information to the user information management module;
and the product management module (17) is used for storing and managing the clauses and rules of the flight insurance products, providing the insurance rule conditions for the insurance core processing module and providing the basic parameters for the claim settlement core processing module to judge whether the insurance rule conditions are met.
2. The service system of full-automatic aviation insurance according to claim 1, wherein: the service system of the full-automatic aviation insurance further comprises an anti-fraud risk management module (8) which receives the passenger flight ticket-out information sent by the passenger dynamic database module, verifies whether the passenger identity information in the passenger flight ticket-out information meets the insurance application condition, if the verification result is a high-sensitivity user, the insurance application condition is not met, and the processing is stopped; if the verification result is a non-high sensitive user, meeting the insurance application condition, performing insurance pre-management and control on the sensitive user, and sending the passenger flight ticket-out information to an insurance core processing module; and verifying whether the sensitive user notified by the third party authority meets the application condition.
3. A fully automated aviation insurance service system according to claim 2, wherein: the third party mechanism comprises a third party cooperative mechanism, a third party insurance company and a third party credit investigation mechanism, and the pre-application management and control comprises application limitation and promotion of application conditions.
4. A fully automated aviation insurance service system according to claim 2, wherein: the passenger trip dynamic information also includes ticket refund and change information.
5. A fully automated aviation insurance service system according to claim 2, wherein: the policy data includes applicant identity information, insured person identity and account information, insurance product information, insurance flight information and insurance channel information data.
6. A fully automated aviation insurance service system according to claim 2, wherein: the flight dynamic information comprises real-time dynamic information of the estimated take-off, landing, standby landing and return of the aircraft.
7. A fully automated aviation insurance service system according to claim 2, wherein: the user information acquisition module is used for acquiring the required user information through interaction with the passengers in a short message, voice, website, client or WeChat mode.
8. The method for implementing a service system for full-automatic aviation insurance according to any one of claims 1 to 7, wherein: the method comprises the following steps:
the external sales system sends the passenger identity information to the real-name authentication and authorization module after obtaining the flight trip information of the user authorized tracking user in the appointed time period and the selected product information, the real-name authentication and authorization module authenticates the user identity through the third party authentication platform, so that the current user is the passenger himself, after the authentication is successful, the user authorization system is prompted to track the flight trip information of the user authorized in the appointed time period, and the authorized user information is sent to the passenger trip management module;
the passenger journey management module tracks the passenger journey, receives the information of authorized users, and manages and stores the identity information, the product information and the flight journey information of the appointed time period; after the user authorization is canceled, stopping passenger flight travel tracking; simultaneously transmitting the authorized user information to a passenger dynamic database module;
the passenger dynamic database module subscribes the passenger journey dynamic information to an external passenger journey dynamic database server according to the received authorized user information, after the passenger purchases the air ticket, the passenger journey dynamic database server acquires the passenger journey dynamic information and sends the passenger journey dynamic information to the passenger journey dynamic database module, the passenger dynamic database module sends the passenger flight ticket outlet information in the acquired passenger journey dynamic information to the passenger journey management module for tracking and validating state confirmation, and after the passenger journey management module feeds back and tracks in an effective state, the passenger flight ticket outlet information is sent to the application core processing module;
the method comprises the steps that an application core processing module receives passenger flight ticket drawing information, sends a deduction request instruction to a deduction management module by using user information and flight information in the passenger flight ticket drawing information and product information and application rule conditions in a product management module, sends the deduction request instruction to a third party payment platform, receives a processing result state report fed back by the third party payment platform, and feeds back successful deduction to the application core processing module;
the insurance application core processing module sends the passenger flight ticket information to an external insurance company, completes the passenger journey insurance according to the insurance application rule conditions provided by the product management module, stores and manages the insurance policy data, and sends the insurance policy data to the claim settlement core processing module;
the claim settlement core processing module receives the flight dynamic information sent by the flight dynamic database module and the passenger taking state sent by the passenger dynamic database module, judges whether the passenger accords with the claim settlement condition according to the basic parameters which are provided by the product management module and accord with the claim settlement condition or not, inquires and extracts the identity and account information of the protected person from the user information management module if the passenger accords with the claim settlement condition, and sends a claim payment instruction to the payment processing module;
the payment processing module carries out claim payment on the policy judged to be in accordance with the claim settlement condition, sends a payment instruction to the third party payment platform or the bank payment platform, and receives a processing result state report fed back by the third party payment platform or the bank payment platform.
9. The method for implementing a service system for full-automatic aviation insurance according to claim 8, wherein: the realization method of the service system of the full-automatic aviation insurance further comprises the following steps:
the passenger dynamic database module sends the passenger flight ticket-out information to the anti-fraud risk management module, the anti-fraud risk management module verifies whether the passenger identity information in the received passenger flight ticket-out information meets the application condition, if the verification result is a high-sensitivity user, the application condition is not met, the processing is stopped, if the verification result is a non-high-sensitivity user, the application condition is met, the sensitive user is subjected to application front management and control, the application front management and control comprises application limitation and improvement of the application condition, and the passenger flight ticket-out information is sent to the application core processing module.
10. The method for implementing a service system for full-automatic aviation insurance according to claim 8, wherein: the realization method of the service system of the full-automatic aviation insurance further comprises the following steps:
if the claim core processing module inquires the user information management module and finds that the information is not fully needed to be supplemented in the process of extracting the identity and account information of the protected person, the claim core processing module sends a user information supplementing instruction to the user information acquisition module, and the user information acquisition module acquires the needed user information through interaction with the passenger according to the user information supplementing instruction and then sends the user information to the user information management module.
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| CN111612432A (en) * | 2020-05-27 | 2020-09-01 | 中航信移动科技有限公司 | Flight delay automatic claim settlement system and method |
| CN111784524A (en) * | 2020-06-30 | 2020-10-16 | 中国民航信息网络股份有限公司 | Insurance order processing method and device and electronic equipment |
| CN112700337A (en) * | 2021-01-04 | 2021-04-23 | 五八到家有限公司 | Method, equipment and storage medium for household online insurance application |
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