CN111047277B - Nuclear protection system, method, device and computer readable medium - Google Patents
Nuclear protection system, method, device and computer readable medium Download PDFInfo
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Abstract
The invention discloses a nuclear protection system, a method, equipment and a computer readable medium, and relates to the technical field of computers. One embodiment of the system comprises: the personal insurance policy correcting subsystem is used for establishing a personal insurance policy correcting task according to the group insurance policy and the personal insurance policy under the condition that the personal insurance policy which is subordinate to the group insurance policy and fails to pass the audit passes the manual check; the group policy correction subsystem is used for finishing the personal verification correction of all the personal verification correction tasks of the personal policy, and establishing the verification correction tasks of the group policy according to the group policy; and the re-checking subsystem is used for re-checking the group policy to sign a ticket after the verification and correction task of the group policy is completed. The implementation mode can avoid influencing the nuclear protection efficiency, and further improve the nuclear protection efficiency.
Description
Technical Field
The present invention relates to the field of computer technology, and in particular, to a system, method, apparatus, and computer readable medium for nuclear protection.
Background
The underwriting refers to the process that an insurer judges and classifies the underwriting risk on the basis of comprehensively grasping and verifying the information of the insuring target, and further decides whether to underwire and what conditions to underwire. The check and the subscription are the rechecking of the check and the subscription conclusion. At present, a mature nuclear protection system has data processing functions of automatic nuclear protection, establishment of nuclear protection correction tasks and the like in the prior art.
However, in the conventional underwriting system, a personal policy number is automatically generated for each insured person in the group insurance underwriting. And generating a new list rechecking task according to the group insurance policy number in the rechecking link. If a personal policy does not pass the underwriting rule under the group policy, the whole manual underwriting task of the group policy is automatically generated according to the group policy number in the manual underwriting link.
In the process of implementing the present invention, the inventor finds that at least the following problems exist in the prior art:
the verification and correction of the insurance system for the group insurance only aims at the whole group insurance policy, and if the personal insurance policy under the group insurance policy is found to not pass the verification and protection rule and needs to be additionally processed, the verification and protection efficiency is seriously affected, so that the verification and protection efficiency is lower.
Disclosure of Invention
In view of this, embodiments of the present invention provide a system, a method, an apparatus, and a computer readable medium for nuclear protection, which can avoid influencing the nuclear protection efficiency and further improve the nuclear protection efficiency.
To achieve the above object, according to one aspect of the embodiments of the present invention, there is provided a nuclear protection system, including:
the personal insurance policy correcting subsystem is used for establishing a personal verification correcting task of the personal insurance policy according to the group insurance policy and the personal insurance policy under the condition that the personal insurance policy which is subordinate to the group insurance policy and fails to pass the verification passes the manual verification;
the group policy correction subsystem is used for finishing the personal verification correction of all the personal verification correction tasks of the personal policy, and establishing the verification correction tasks of the group policy according to the group policy;
and the re-checking subsystem is used for re-checking the group policy to sign a ticket after the verification and correction task of the group policy is completed.
And the personal insurance policy subsystem is specifically used for determining that the personal insurance policy correction is finished if the effective date of the personal insurance policy information table is empty and the real receipt data table of the personal insurance policy has no real receipt data.
The group policy correction subsystem is specifically configured to query, according to the group policy, an individual policy information table of a personal policy that belongs to the individual policy that fails the audit, where a check and a guarantee conclusion of the individual policy information table are that the check and the guarantee pass, and the effective date is null;
and if the group policy does not have real receipt data in the real receipt data table, and the personal policy which does not pass the audit under the group policy does not have real receipt data in the real receipt data table, determining that the verification and correction task of the group policy is completed.
And the personal policy correction subsystem is also used for deleting the nuclear policy correction task of the established group policy according to the group policy.
The rechecking subsystem is provided with a personal policy for deleting the established personal check correction task according to the personal policy subordinate to the group policy.
And the review subsystem is also used for signing the personal policy which is subordinate to the group policy and passes the review.
The review subsystem is further configured to output a presentation page, where the page includes an identifier of the group policy and an identifier of the personal policy in the group policy.
According to a second aspect of the embodiment of the present invention, there is provided a method for underwriting, including:
the personal insurance policy booking subsystem establishes a personal verification and correction task of the personal insurance policy according to the group insurance policy and the personal insurance policy under the condition that the personal insurance policy which is subordinate to the group insurance policy and fails to pass the verification passes the manual verification;
the group policy correcting subsystem establishes a core policy correcting task of the group policy according to the group policy under the condition that all the core policy correcting tasks of the personal policy have completed the personal core policy correcting;
and after the verification and correction task of the group policy is completed, the re-verification subsystem re-verifies the group policy to sign the policy.
According to a third aspect of an embodiment of the present invention, there is provided a secured electronic device, including:
one or more processors;
storage means for storing one or more programs,
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the methods as described above.
According to a third aspect of embodiments of the present invention, there is provided a computer readable medium having stored thereon a computer program which when executed by a processor implements a method as described above.
One embodiment of the above invention has the following advantages or benefits: because the personal insurance policy correcting subsystem is used for establishing a personal verification correcting task of the personal insurance policy according to the group insurance policy and the personal insurance policy under the condition that the personal insurance policy which is subordinate to the group insurance policy and fails to pass the verification is manually verified; the group policy correction subsystem is used for finishing the individual verification and correction of the individual verification and correction tasks of all individual policies and establishing the verification and correction tasks of the group policy according to the group policy; and the re-checking subsystem is used for re-checking the group policy to sign after the verification task of the group policy is completed.
The three subsystems interact with each other, and for individual insurance policies that do not pass the audit, an individual core insurance correcting task of the individual insurance policy can be established, and then a core insurance correcting task of the group insurance policy is established and completed. Therefore, the personal policy under the group policy can be processed in time, the influence on the verification efficiency is avoided, and the verification efficiency is further improved.
Further effects of the above-described non-conventional alternatives are described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
FIG. 1 is a schematic diagram of a conventional process of group policy check correction;
FIG. 2 is a schematic diagram of the main structure of a nuclear security system according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of the flow of underwriting according to an embodiment of the present invention;
FIG. 4 is a schematic diagram of the main steps of a underwriting method according to an embodiment of the present invention;
FIG. 5 is an exemplary system architecture diagram in which embodiments of the present invention may be applied;
fig. 6 is a schematic diagram of a computer system suitable for use in implementing an embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention will now be described with reference to the accompanying drawings, in which various details of the embodiments of the present invention are included to facilitate understanding, and are to be considered merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
Referring to fig. 1, fig. 1 is a schematic diagram of a conventional procedure of group policy check correction, and specifically includes the following steps:
s101, new list input.
In the verification and correction process of the group insurance underwriting process, a new bill entry person enters a group insurance number, contract information, applicant information and risk information in a new bill entry link, the information of the insured person is imported into the system through the importing function of the list of the insured person, and the system automatically generates a personal insurance number for each insured person in the importing process.
S102, new single review.
After the new list is input, firstly, the input information is stored in a database, and then, in a review link, a new list review task is generated according to the group insurance policy number.
S103, automatically checking whether the check passes or not.
And in the rechecking link, the new bill rechecking personnel confirms the information input by the new bill in the new bill rechecking task without errors and then executes rechecking confirmation operation, and the system automatically checks and protects the group insurance policy.
In the automatic checking and protecting process, contract information, applicant information, risk information and insured person information of the group policy are matched with checking and protecting rules of corresponding risk types stored in a database one by one automatically.
If all the individual sheets under the group policy pass the underwriting rule, the system automatically flows the entire group policy to the charging order link, i.e., performs S110. Wherein the individual sheets are personal care sheets.
S104 is performed as long as there are individual sheets under the community policy that do not pass the underwriting rule.
S104, manual verification.
In the manual verification link, the manual verification task of the group insurance policy is automatically generated according to the group insurance policy number.
And the underwriter performs underwriting on the group insurance policy in the manual underwriting link. After the manual check-up is passed, the system automatically saves the check-up theory into the database, and simultaneously, the system automatically generates two tasks according to the group check-up number, wherein one task is a charge check-up task, and the other task is a check-up correction task. The charge ticket task is executed in S110, and the core reservation correction task is executed in S105.
S105, correcting the core.
And in the verification and correction link, after selecting the group policy needing verification and correction, the system automatically queries the receivable data, the real receivable data and the effective date in the database corresponding to the group policy number. And if the data is queried, not allowing to make a core protection correction. Otherwise, S106 is performed.
S106, submitting the input problem piece.
The system automatically transfers the group insurance policy to a manual check and insurance link according to the group insurance policy number, and inputs the problem piece for submission.
S107, modifying the policy file.
And in the problem piece modification link, after the problem piece is input and submitted, modifying the policy file.
S108, replying to the problem piece.
And in the problem piece reply link, after the policy file is modified, the problem piece is replied.
S109, confirming modification of the problem piece.
After the problem piece modification confirmation, the group policy is again circulated to S102.
S110, paying a bill.
And the financial staff charges the group policy in the charging bill link. After the charging process is finished, the system records the receivable and real-time received data, and then automatically generates the group insurance number and the current date to backfill the group insurance number field and the effective date field in the database to finish the signing.
The group insurance policy correction can only be aimed at the whole group policy, if a policy holder discovers that the individual policy under the group policy needs to be charged, refused to be protected or reduced in the amount of the policy after the manual policy passes and before the policy is paid, the policy correction can only be carried out on the individual policy when the policy is required to be initiated, and the policy can only be additionally processed due to the fact that the policy cannot be operated, so that the policy efficiency is seriously affected, and the policy efficiency is lower.
In order to solve the technical problem that personal policy under a group policy is difficult to process in time, the following technical scheme in the embodiment of the invention can be adopted.
Referring to fig. 2, fig. 2 is a schematic diagram of a main structure of a underwriting system according to an embodiment of the present invention, which can process personal policies under a group policy in time by establishing and completing individual underwriting tasks of the personal policies and underwriting tasks of the group policy.
As shown in fig. 2, specifically includes a personal policy correction subsystem 201, a group policy correction subsystem 202, and a review subsystem 203.
The personal policy correction subsystem 201 is configured to establish a personal policy verification task according to the group policy and the personal policy when the personal policy that is not approved by the group policy is manually verified.
For the group policy, after the review operation is performed, the group policy is automatically reviewed and secured. In the automatic verification process, contract information, applicant information, risk information and insured information of a group policy are matched with verification rules of corresponding risk types stored in a database one by one.
And if the personal insurance policy under the group insurance policy fails to pass the audit, namely fails to pass the automatic system insurance, the personal manual insurance link is used for the insurance. And then, saving the underwriting theory obtained by the manual underwriting into the underwriting conclusion of the single information table of the database. As one example, a personal manual underwriting task may be established for personal manual underwriting in accordance with a community policy and a personal policy that fails an audit.
Personal insurance policies through manual insurance require personal insurance corrections. Illustratively, two tasks are generated based on the community policy and the individual policy that fails the audit. One is a charge ticket task and one is a nuclear insurance correction task.
The payment signing task is a group policy including personal policy, and the task is executed after the pass of the review. The personal verification task is a task that the personal policy that fails the audit needs to complete.
In the embodiment of the invention, for each personal policy which does not pass the audit and passes the manual verification, each personal policy corresponds to a verification task of each verification. The personal policy correction subsystem 201 may establish a personal policy verification task according to the policy number of the group policy and the policy number of the personal policy that fails to pass the verification and passes the manual verification.
The group policy booking subsystem 202 is used for all the individual verification and correction tasks of the personal policy, and establishes the verification and correction tasks of the group policy according to the group policy.
The number of personal policies under which the group policy is not approved may be one or more. If all the individual underwriting tasks of the individual policy that do not pass the audit have completed the individual underwriting, the group policy correction subsystem 202 may establish the underwriting tasks of the group policy.
In the embodiment of the invention, the auditing of the personal insurance policy comprises manual auditing and personal nuclear insurance correction. After the personal policy completes the audit, the verification and correction task of the group policy can be established. That is, the group insurance can be verified according to the personal policy and then the group policy.
In one embodiment of the present invention, for each personal policy, personal policy correction subsystem 201 is required to complete the personal verification correction. Specifically, completing the personal underwriting correction requires that the following two conditions be met:
condition one: the validation date of the individual ticket information table of the personal policy is empty.
Condition II: the actual receipt data table of the personal policy has no actual receipt data.
The personal policy passes the personal manual verification link, the personal policy correction subsystem 201 determines that the personal verification is completed if the effective date of the single information table of the personal policy is empty and no real data is received in the real data table of the personal policy.
Specifically, the personal policy correction subsystem 201 is specifically configured to query a personal policy information table in the database according to the personal policy number, and determine whether the effective date is empty. And if the effective date is not empty, the personal policy is signed. And if the effective date is empty, the personal insurance policy is not signed, and the personal insurance policy can be corrected.
Then, the personal policy correction subsystem 201 is specifically configured to query whether the actual receipt data exists in the actual receipt data table according to the personal policy number. If the actual receipt data exists in the actual receipt data table, the personal insurance policy is paid; if no data is actually received in the real receipt data table, the personal policy is not paid.
In one embodiment of the present invention, the validation task of one group policy is incomplete and another validation task of the same group policy may be initiated again.
Then, the personal policy correction subsystem 201 is further configured to delete the established core policy correction task before establishing the core policy correction task of the group policy. So as to avoid affecting the normal progress of the latest kernel-guarantee correction task.
And the re-checking subsystem 203 is used for re-checking the group policy to sign the policy after the completion of the checking and correcting task of the group policy.
In one embodiment of the present invention, the completion of the verification task of the group policy may specifically include the following two parts:
a first part: and according to the group policy number, inquiring a single policy information table of the personal policy which belongs to the database and fails to pass the verification, wherein the verification conclusion of the personal information table is that the verification passes, and the effective date is null. And if the effective date is empty, the personal policy is not signed.
A second part: according to the group policy number, no real data is received in the real-time data table, and according to the personal policy number which is subordinate to the group policy and fails to pass the audit, no real data is received in the real-time data packet. If the real data is not received in the real data table, the policy is not paid.
Therefore, the group policy subscription subsystem 202 is specifically configured to query, according to the group policy, an individual policy information table of a personal policy that belongs to the individual policy that fails the audit, where a check conclusion of the individual policy information table is that the check passes, and the effective date is null;
and if the group policy does not have real receipt data in the real receipt data table, and the personal policy which is subordinate to the group policy and does not pass the audit does not have real receipt data in the real receipt data table, determining that the verification and correction task of the group policy is completed.
In one embodiment of the invention, in the process of the nuclear insurance correction of the group insurance policy, not only the nuclear insurance correction task of establishing the personal insurance policy, but also the nuclear insurance correction task of the group insurance policy are involved.
It will be appreciated that, since the core registration task of the group policy is completed, the individual core registration task of the personal policy may be deleted after the completion of the core registration task.
Then the review subsystem 203 has a function to delete the established individual core policy correction tasks based on the individual policy under which the group policy is subordinate.
After the verification task of the group policy is completed, the group policy is checked again to sign the policy. Wherein, rechecking can include entering a problem piece submission, modifying a policy file, replying to a problem piece, and a problem piece modification determination.
After the check-up of the group policy is completed, the group policy number is automatically generated and backfilled into the group policy number field of the group policy information table and the group policy number field of all personal policy tables described below of the group policy. And deleting the core-protection correcting task and the individual core-protection correcting task which are already established by the group policy.
In the above embodiment, for the personal policy that fails the audit, the individual core-check-up task of the personal policy may be established, and then the core-check-up task of the group policy may be established and completed. Therefore, the personal insurance policy which does not pass the audit under the group insurance policy can be processed in time, so that the risk of paying claims is reduced, and the reasonable benefit of the insurance company is ensured.
In one embodiment of the present invention, review subsystem 203 is also used to sign up for personal policies under the group policy that have passed the review.
And for the personal policy under the group policy passing the audit, firstly storing the passing state of the check into a check and insurance theory field in a personal policy information table of the database, and then generating a payment and signing task in a payment and signing link according to the group policy number and the personal policy number. The financial staff carries out charging processing on the personal insurance policy in the charging bill link, after the charging processing is finished, the charging data and the real charging data are recorded, and then the current date is backfilled into the effective date field of the individual bill information table in the database through the re-checking subsystem 203 to finish the bill.
In one embodiment of the present invention, to prompt the user to check the group policy and the personal policy involved, the review subsystem 203 is further configured to output a presentation page, where the page includes an identifier of the group policy and an identifier of the personal policy in the group policy.
The following is an exemplary description of the technical solution in the embodiment of the present invention with reference to the specific embodiment and the accompanying drawings.
Referring to fig. 3, fig. 3 is a schematic diagram of a flow of a underwriting according to an embodiment of the present invention, the method specifically comprises the following steps:
s301 to S303 in fig. 3 are the same as S101 to S103 in fig. 1, respectively; s308 to 311 in fig. 3 are the same as S106 to S109 in fig. 1, respectively, and thus a description thereof will not be repeated here.
Company a applies a group policy to 100 employees at company B. The new bill entry personnel and the rechecking personnel of the B insurance company log in the system of the B insurance company. The new bill entry personnel completes the bill recording in the step S301, and the system automatically flows to the step S302. After checking and confirming the entered new group policy in S302, S303 is executed.
S304, manual verification.
And a personal policy which does not pass through automatic verification under the group policy can automatically create tasks in a manual verification link.
In the manual verification link, a verification and protection engineer verifies the personal protection list which is not checked by the group protection list one by one. After each personal policy manual audit passes, personal policy correction subsystem 201 establishes a personal policy's individual core verification tasks.
S305, personal kernel correction.
The personal policy correction subsystem 201 performs personal check correction for each personal policy.
S306, whether all personal insurance policies have completed personal check-up.
If not all personal policies have completed the personal verification, then return to S305; all personal policies have completed the personal verification, then S307 is performed.
S307, the core is corrected.
The individual underwriting of individual policy has been completed by the individual underwriting tasks of all individual policies, and the community policy ordering subsystem 202 establishes the underwriting tasks of the community policy in accordance with the community policy. And finishing the core protection correction task of the group policy.
Then, S308 to S311 are sequentially performed.
S312, paying bill.
For the personal policy that the group policy subordinate has passed the audit, the ticket is entered and the fee is paid. The re-nuclear subsystem 203 automatically updates a list information table after the payment and the signing are completed. The display page is output by the dual core subsystem 203.
Referring to fig. 4, fig. 4 is a schematic diagram of main steps of a kernel protection method according to an embodiment of the present invention, where the kernel protection system may implement the kernel protection method, and as shown in fig. 4, the kernel protection method specifically includes the following steps:
s401, the personal policy booking subsystem establishes a personal verification and correction task of the personal policy according to the group policy and the personal policy under the condition that the personal policy which is subordinate to the group policy and fails to pass the verification is manually verified.
S402, the group policy correction subsystem establishes the core correction tasks of the group policy according to the group policy under the condition that the core correction tasks of all the personal policies are completed.
And S403, the review subsystem reviews the group policy to sign the policy after the verification and correction task of the group policy is completed.
In one embodiment of the invention, completing a personal verification correction includes:
the personal policy correction subsystem 201 determines that the personal verification of the personal policy is completed when the effective date of the individual sheet information table of the personal policy is empty and there is no actual data in the actual data table of the personal policy.
In one embodiment of the invention, the validation task of the community policy is completed, comprising:
the group policy-ordering subsystem 202 queries individual policy information tables of individual policies which are not checked according to the group policy, the check and the policy conclusion of the individual policy information tables are that the check and the policy pass, and the effective date is null;
the group policy-ordering subsystem 202 determines that the verification and correction task of the group policy is completed when the group policy has no actual receipt data in the actual receipt data table and the individual policy that fails to pass the verification under the group policy has no actual receipt data in the actual receipt data table.
In one embodiment of the present invention, further comprising: the personal policy correction subsystem 201 deletes the core policy correction task of the established group policy according to the group policy.
In one embodiment of the present invention, further comprising: the re-nuclear subsystem 203 deletes the established personal nuclear insurance correction task according to the personal policy subordinate to the group policy.
In one embodiment of the present invention, further comprising: the re-checking subsystem 203 signs the personal policy that the group policy subordinate has passed the audit.
In one embodiment of the present invention, further comprising: the re-verification subsystem 203 outputs a presentation page that includes an identification of the group policy, and an identification of the personal policy in the group policy.
FIG. 5 illustrates an exemplary system architecture 500 of a kernel security system to which embodiments of the present invention may be applied.
As shown in fig. 5, the system architecture 500 may include terminal devices 501, 502, 503, a network 504, and a server 505. The network 504 is used as a medium to provide communication links between the terminal devices 501, 502, 503 and the server 505. The network 504 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.
A user may interact with the server 505 via the network 504 using the terminal devices 501, 502, 503 to receive or send messages or the like. Various communication client applications may be installed on the terminal devices 501, 502, 503, such as shopping class applications, web browser applications, search class applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).
The terminal devices 501, 502, 503 may be a variety of electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.
The server 505 may be a server providing various services, such as a background management server (by way of example only) providing support for shopping-type websites browsed by users using the terminal devices 501, 502, 503. The background management server may analyze and process the received data such as the product information query request, and feedback the processing result (e.g., the target push information, the product information—only an example) to the terminal device.
It should be noted that, the method for protecting a core provided by the embodiment of the present invention is generally executed by the server 505, and accordingly, the protecting system is generally disposed in the server 505.
It should be understood that the number of terminal devices, networks and servers in fig. 5 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.
Referring now to FIG. 6, there is illustrated a schematic diagram of a computer system 600 suitable for use in implementing an embodiment of the present invention. The terminal device shown in fig. 6 is only an example, and should not impose any limitation on the functions and the scope of use of the embodiment of the present invention.
As shown in fig. 6, the computer system 600 includes a Central Processing Unit (CPU) 601, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 602 or a program loaded from a storage section 608 into a Random Access Memory (RAM) 603. In the RAM 603, various programs and data required for the operation of the system 600 are also stored. The CPU 601, ROM 602, and RAM 603 are connected to each other through a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.
The following components are connected to the I/O interface 605: an input portion 606 including a keyboard, mouse, etc.; an output portion 607 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, a speaker, and the like; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. The drive 610 is also connected to the I/O interface 605 as needed. Removable media 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is installed as needed on drive 610 so that a computer program read therefrom is installed as needed into storage section 608.
In particular, according to embodiments of the present disclosure, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication portion 609, and/or installed from the removable medium 611. The above-described functions defined in the system of the present invention are performed when the computer program is executed by a Central Processing Unit (CPU) 601.
The computer readable medium shown in the present invention may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples of the computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, the computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, with the computer-readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules involved in the embodiments of the present invention may be implemented in software or in hardware. The described modules may also be provided in a processor, for example, as: a processor includes a transmitting unit, an acquiring unit, a determining unit, and a first processing unit. The names of these units do not constitute a limitation on the unit itself in some cases, and for example, the transmitting unit may also be described as "a unit that transmits a picture acquisition request to a connected server".
As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be present alone without being fitted into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to include:
the personal insurance policy booking subsystem establishes a personal verification and correction task of the personal insurance policy according to the group insurance policy and the personal insurance policy under the condition that the personal insurance policy which is subordinate to the group insurance policy and fails to pass the verification passes the manual verification;
the group policy correcting subsystem establishes a core policy correcting task of the group policy according to the group policy under the condition that all the core policy correcting tasks of the personal policy have completed the personal core policy correcting;
and after the verification and correction task of the group policy is completed, the re-verification subsystem re-verifies the group policy to sign the policy.
According to the technical scheme of the embodiment of the invention, because the personal policy-booking subsystem establishes a single core-checking and correcting task of the personal policy according to the group policy and the personal policy under the condition that the personal policy which is subordinate to the group policy and fails to pass the audit is checked manually; the group policy correction subsystem establishes a core policy correction task of the group policy according to the group policy under the condition that the individual core policy correction tasks of all individual policies are completed; after the verification and correction task of the group policy is completed, the review subsystem reviews the group policy to sign the policy.
The three subsystems interact with each other, and for individual insurance policies that do not pass the audit, an individual core insurance correcting task of the individual insurance policy can be established, and then a core insurance correcting task of the group insurance policy is established and completed. Therefore, the personal policy under the group policy can be processed in time, the influence on the verification efficiency is avoided, and the verification efficiency is further improved.
The above embodiments do not limit the scope of the present invention. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives can occur depending upon design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the scope of the present invention.
Claims (9)
1. A system for underwriting, comprising:
the personal insurance policy correcting subsystem is used for establishing a personal verification correcting task of the personal insurance policy according to the group insurance policy and the personal insurance policy under the condition that the personal insurance policy which does not pass the audit passes the manual verification, wherein the personal verification correcting task is a task which is required to be completed by the personal insurance policy which does not pass the audit;
the group policy correction subsystem is used for finishing the personal verification correction of all the personal verification correction tasks of the personal policy, and establishing the verification correction tasks of the group policy according to the group policy;
the method comprises the steps of checking a personal policy, wherein the personal policy is a group policy, and the group policy is a personal policy which belongs to the group policy;
the group policy does not have real receipt data in the real receipt data table, and the personal policy which does not pass the audit under the group policy does not have real receipt data in the real receipt data table, so that the verification and correction task of the group policy is determined to be completed;
and the re-checking subsystem is used for re-checking the group policy to sign a ticket after the verification and correction task of the group policy is completed.
2. The system of claim 1, wherein the personal policy subscription subsystem determines that the personal policy subscription is complete if an effective date of a single information table of the personal policy is empty and no data is actually received in a real receipt data table of the personal policy.
3. The underwriting system of claim 1, wherein the personal policy correction subsystem is further configured to delete the underwriting job of the established group policy based on the group policy.
4. The underwriting system of claim 1, wherein the rechecking subsystem has a function to delete established individual underwriting correction tasks based on individual underwriting subordinate to the community underwriting.
5. The underwriting system of claim 1, wherein the rechecking subsystem is further configured to issue a ticket to a personal policy under which the group policy has passed the audit.
6. The underwriting system of claim 1, wherein the rechecking subsystem is further configured to output a presentation page, the page including an identification of the group policy and an identification of the personal policy in the group policy.
7. A method of underwriting, comprising:
under the condition that the personal insurance policy subordinate to the group insurance policy passes the manual verification, the personal insurance policy booking subsystem establishes a personal verification task of the personal insurance policy according to the group insurance policy and the personal insurance policy, wherein the personal verification task is a task which is required to be completed by the personal insurance policy which does not pass the verification;
the group policy correcting subsystem establishes a core policy correcting task of the group policy according to the group policy under the condition that all the core policy correcting tasks of the personal policy have completed the personal core policy correcting;
the group policy booking subsystem queries a single policy information table of a subordinate personal policy which does not pass the audit according to the group policy, the check and the policy conclusion of the single policy information table is that the check and the policy pass, and the effective date is null;
the group policy booking subsystem determines that the verification and correction task of the group policy is completed when the group policy has no real receipt data in the real receipt data table and the group policy belongs to the individual policy which does not pass the verification and has no real receipt data in the real receipt data table;
and after the verification and correction task of the group policy is completed, the re-verification subsystem re-verifies the group policy to sign the policy.
8. A secured electronic device, comprising:
one or more processors;
storage means for storing one or more programs,
the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of claim 7.
9. A computer readable medium on which a computer program is stored, characterized in that the program, when being executed by a processor, implements the method according to claim 7.
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