CN111127217A

CN111127217A - Policy data processing system, method, device, medium and electronic equipment

Info

Publication number: CN111127217A
Application number: CN201911105770.1A
Authority: CN
Inventors: 程战战
Original assignee: Taikang Insurance Group Co Ltd; Taikang Online Property Insurance Co Ltd
Current assignee: Taikang Insurance Group Co Ltd; Taikang Online Property Insurance Co Ltd
Priority date: 2019-11-13
Filing date: 2019-11-13
Publication date: 2020-05-08
Anticipated expiration: 2039-11-13
Also published as: CN111127217B

Abstract

The invention provides a policy data processing system, a policy data processing method, a policy data processing device, a policy data processing medium and electronic equipment, and relates to the technical field of data processing. The policy data processing system includes: the insurance system is used for acquiring policy data of the policy; a financial system for obtaining payable data for the policy; a balance clearing platform comprising: the data search server is used for generating a premium debit list and a premium credit list in a preset period according to the policy data and the premium receivable data of the policy; the balance generating server is used for generating an account list of the chargeable premium balance in a preset period according to the account list of the chargeable premium borrower and the account list of the chargeable premium credit; and the data storage server is used for storing the list of the chargeable premium balance in a preset period. The technical scheme provided by the invention can obtain the accurate premium balance which should be charged in time.

Description

Policy data processing system, method, device, medium and electronic equipment

Technical Field

The present invention relates to the field of data processing technologies, and in particular, to a system, a method, an apparatus, a medium, and an electronic device for policy data processing.

Background

At present, the field of internet insurance business needs to regularly clear the premium balance to be collected, accurately calculate the premium balance to be collected every month, and is a very complex calculation work.

The following problems are mainly encountered in the process of calculating the premium balance, firstly, the data volume is too large, the internet insurance generates a mass policy every day, the time span of the policy is long on one hand, and the rolling data volume of the monthly policy is on the other hand; secondly, errors are easy to occur in the calculation process, which is mainly reflected in that various payment modes exist for the premium receivable of the policy, and the problems of inter-row charge division, inter-day charge arrival and the like also exist; thirdly, the internet insurance business scene develops rapidly, which mainly reflects that the new program is difficult to find the old balance because the business scene is not rich and changes continuously.

Therefore, accurate calculation of the chargeable premium balance requires technical support and support.

It is to be noted that the information invented in the above background section is only for enhancing the understanding of the background of the present invention, and therefore, may include information that does not constitute prior art known to those of ordinary skill in the art.

Disclosure of Invention

The invention provides a policy data processing method, a policy data processing device, a policy data processing medium and electronic equipment for solving the problem that the balance of the chargeable premium is difficult to accurately calculate.

Additional features and advantages of the invention will be set forth in the detailed description which follows, or may be learned by practice of the invention.

According to one aspect of the invention, there is provided a policy data processing system comprising:

the insurance system is used for acquiring policy data of a policy, wherein the policy data comprises a policy number, a policy acceptance and a policy acceptance state;

a financial system for obtaining payable data for the policy, wherein the payable data comprises: the insurance policy number, the account subject of the chargeable insurance fee, the amount of the chargeable insurance fee, the collection voucher number and the insurance acceptance voucher number, wherein the account subject of the chargeable insurance fee represents the payment mode of the chargeable insurance fee;

a balance clearing platform comprising:

the data search server is used for establishing mapping of balance data in a preset period according to the policy data and the premium data of the policy, generating a policy list table, a manual accounting voucher table and a voucher detail table, adjusting the accounting voucher table and the voucher detail table and an accounting voucher black name list table, and generating a premium debit list and a premium credit list to be collected in the preset period;

the balance generating server is used for generating an account list of the chargeable premium balance in the preset period according to the account list of the chargeable premium borrower and the account list of the chargeable premium credit;

and the data storage server is used for storing the chargeable premium balance list in the preset period.

In one embodiment, the data lookup server is configured to:

if the normal policy is contracted, the data of the insurance premium which is to be collected is taken as debit data and is recorded in a debit policy list table, and the debit policy list table records the number of the insurance acceptance voucher and the data of the insurance premium which is to be collected;

if the collection is confirmed, the data of the insurance fee to be collected is taken as credit data and is recorded in a credit policy statement table, and the credit policy statement table records the collection voucher number and the data of the insurance fee to be collected;

if the establishment time of the collection voucher number in the receivable premium data is earlier than the insurance starting time of the policy, taking the receivable premium data as credit data and recording the credit data in a credit policy statement;

if the receivable premium in the receivable premium data is in a hanging state, taking the receivable premium data as credit data and recording the credit data in a manual credit voucher table of a credit;

if the payment mode recorded when the insurance premium is covered in the insurance premium data is different from the payment mode used by the insurance carrier for paying the insurance premium, so that a wrong insurance premium subject appears, taking the insurance premium data corresponding to the wrong insurance premium subject as credit data, recording the credit data in a credit adjustment account voucher table, and taking the insurance premium data corresponding to the corresponding correct insurance premium subject as debit data, and recording the debit data in a debit adjustment account voucher table;

if the payment mode recorded when the accounts receivable premium in the accounts receivable premium data is collected is different from the payment mode used by the underwriter for paying the underwriting money, so that an error account for the accounts receivable premium appears, taking the accounts receivable data corresponding to the error account for the accounts receivable as debit data, recording the debit data in an account adjustment voucher table, taking the corresponding account receivable data corresponding to the correct account for the accounts receivable as credit data, and recording the credit data in an account adjustment voucher table;

if the payment mode recorded during the insurance acceptance of the insurance premium in the insurance premium data is lacked, taking the insurance premium data as debit data and recording the debit data in a debit adjustment accounting voucher table;

if the payment mode recorded during payment of the payable premium in the payable premium data is missing, taking the payable premium data as debit data and recording the debit data in the credit adjustment accounting voucher table;

if the payment mode recorded when the payable premium in the payable premium data is underwritten is the same as the payment mode used by the underwriter for paying the underwriting, taking the payable premium data as debit data and recording the debit data in a debit insurance policy list table;

if the payment mode of the receivable premium in the receivable premium data is the same as the payment mode used by the underwriter for paying the underwriting, taking the receivable premium data as credit data and recording the credit data in a credit policy statement form;

and if the underwriting state in the policy data of the policy is the refund, taking the receivable premium data corresponding to the policy as credit data and recording the credit data in a credit policy statement table.

In one embodiment, the balance generation server is used for verifying the chargeable debit list and the chargeable credit list according to the certificate number; if the verification is inconsistent, prompting the certificate number; comparing the amount of the certificate number which is receivable in the list of the receivable premium borrowers with the amount of the receivable premium in the list of the receivable premium lenders, and if the amount values are equal, deleting the data corresponding to the certificate number from the list of the receivable premium borrowers and the list of the receivable premium lenders; the list of chargeable premium balances comprises: the insurance policy number, the collection voucher number, the underwriting voucher number, the subject of the payable, the amount of the payable, the billing time and a mark, wherein the mark is used for distinguishing credit data and debit data.

According to another aspect of the present invention, there is provided a policy data processing method, including:

acquiring policy data of a policy from an insurance system, wherein the policy data comprises a policy number, a policy acceptance and a policy acceptance state;

acquiring payable data for the policy from a financial system, wherein the payable data comprises: the insurance policy number, the account subject of the chargeable insurance fee, the amount of the chargeable insurance fee, the collection voucher number and the insurance voucher number, wherein the account subject of the chargeable insurance fee represents the payment mode of the chargeable insurance fee;

establishing mapping of balance data in a preset period according to policy data and premium data of the policy, generating a policy clearing list, a manual accounting voucher table and a voucher detail table, adjusting an accounting voucher table and a voucher detail table and an accounting voucher blacklist table, and generating a premium debit list and a premium credit list which should be received in the preset period, wherein the premium debit list and the premium credit list which should be received comprise voucher numbers, premium amounts, payment modes, service channels and time;

generating an account balance list of the chargeable premium in the preset period according to the debit list of the chargeable premium and the credit list of the chargeable premium;

and storing the list of the chargeable premium balances in the preset period.

In one embodiment, mapping balance data for a predetermined period based on policy data and receivable premium data of the policy to generate a policy list, a manual accounting voucher table and a voucher detail table, an adjusted accounting voucher table and voucher detail table, and a black list of accounting vouchers, and generating a list of payable debits and payable credits for the predetermined period comprises:

In one embodiment, generating the list of accounts receivable debits and credits for the predetermined period comprises:

generating the list of the debit party with the premium according to the list of the debit party insurance policy and the list of the debit party adjustment accounting voucher;

and generating the bill of the payable insurance policy according to the bill of credit insurance policy form, the bill of credit adjustment accounting voucher form and the manual accounting voucher form of the lender.

In one embodiment, generating the payable balance list for the predetermined period based on the payable debit list and the payable credit list comprises:

verifying the debit list and the credit list of the premium according to the certificate number; if the verification is inconsistent, prompting the certificate number;

comparing the amount of the certificate number which is receivable in the list of the receivable premium borrowers with the amount of the receivable premium in the list of the receivable premium lenders, and if the amount values are equal, deleting the data corresponding to the certificate number from the list of the receivable premium borrowers and the list of the receivable premium lenders;

the list of chargeable premium balances comprises: the insurance policy number, the collection voucher number, the underwriting voucher number, the subject of the payable, the amount of the payable, the billing time and a mark, wherein the mark is used for distinguishing credit data and debit data.

In one embodiment, the method further comprises: and merging the data in the chargeable premium balance list in the previous preset period into the chargeable premium balance list in the preset period, and deleting the chargeable premium data corresponding to the premium number from the chargeable premium balance list if the credit data of the chargeable premium balance list is the same as the premium number and the chargeable premium amount of the debit data so as to obtain a plurality of chargeable premium balance lists in the preset period.

According to another aspect of the invention, there is provided a computer readable medium having a computer program stored thereon, wherein the program, when executed by a processor, implements a policy data processing method as in any of the embodiments described above.

According to another aspect of the present invention, there is provided an electronic apparatus, comprising: one or more processors; a storage device for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement the policy data processing method of any of the embodiments described above.

The technical scheme provided by the embodiment of the invention has the following beneficial effects:

the invention provides a policy data processing method, which can obtain accurate chargeable premium balance by generating a debit list and a credit list based on policy data and chargeable premium data in a preset period and further obtaining the chargeable premium list in the preset period.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the invention, as claimed.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description, serve to explain the principles of the invention. It is obvious that the drawings in the following description are only some embodiments of the invention, and that for a person skilled in the art, other drawings can be derived from them without inventive effort.

FIG. 1 shows a schematic diagram of a policy data processing system in an embodiment of the invention;

FIG. 2A is a schematic structural diagram illustrating a policy data processing method according to an embodiment of the present invention;

FIG. 2B is a schematic structural diagram illustrating a policy data processing method according to an embodiment of the present invention;

FIG. 3 shows a block diagram of a policy data processing apparatus in an embodiment of the invention;

FIG. 4 illustrates a schematic structural diagram of a computer system suitable for use with the electronic device to implement an embodiment of the invention.

Detailed Description

Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art.

Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to provide a thorough understanding of embodiments of the invention. One skilled in the relevant art will recognize, however, that the invention may be practiced without one or more of the specific details, or with other methods, components, devices, steps, and so forth. In other instances, well-known methods, devices, implementations or operations have not been shown or described in detail to avoid obscuring aspects of the invention.

The block diagrams shown in the figures are functional entities only and do not necessarily correspond to physically separate entities. I.e. these functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor means and/or microcontroller means.

The flow charts shown in the drawings are merely illustrative and do not necessarily include all of the contents and operations/steps, nor do they necessarily have to be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the actual execution sequence may be changed according to the actual situation.

The inventor of the present disclosure finds that the following difficulties exist in calculating the premium balance to be charged in the field of internet insurance services:

1. the amount of data resulting from the long time span is too large. Conceptually, payment will always appear in the list of chargeable premium balances as long as the policy does not confirm payment. For example: if a policy is left before 3 years, the settlement is missed, and the policy is always in the balance list of the premium to be collected, so that the self-healing cannot be realized. The data range of the policy spans 3 years and may involve hundreds of millions of policy data.

2. The amount of data scrolled per month is too large. The premium balance list should be settled monthly, with millions or even tens of millions of policy data per month. The data accumulates over a hundred million easily for several years, and the system is very slow to process.

3. Too many scenes of error occur. Any business system is unlikely to have zero errors, and data has an error condition. In internet insurance, the premium to be charged is divided into a number of subjects, i.e. a number of "categories", such as: premium-to-be-charged gateway 1, premium-to-be-charged gateway 2, premium-to-be-charged channel 1, premium-to-be-charged channel 2. In this case, once the channel number is recorded incorrectly or the payment method is recorded incorrectly, the premium paid by the user will not be reduced by one subject and the other subject is a negative number. The financial accounting voucher can not be modified, and must be processed by 'offset', and the balance list must be consistent with the financial bill at any time of offset, before offset and after offset, and the system design difficulty is very large.

4. Business scenarios are continually enriching and changing, making it difficult to find old lists of premium balances. The internet insurance is continuously developed from the form, the corresponding relation between the designed financial data and the business data needs to be continuously changed along with the corresponding relation, and the new corresponding relation is not suitable for the business scene before 3 years, so that the prior account balance list of the chargeable premium cannot be calculated.

The common calculation method of the balance list of the fees to be paid adds a plurality of judgments of states (the insurance list is added with the payment records), so that the method can cope with the above scenes and is difficult to adapt to the development of internet insurance. Sometimes the balance list and the actual account can be different by tens of millions of yuan or can not be generated at all. Causing great trouble to the normal operation of the company.

FIG. 1 shows a schematic diagram of a policy data processing system in an embodiment of the invention. Referring to fig. 1, the system includes: the insurance system 11 is used for acquiring policy data of a policy, wherein the policy data comprises a policy number, a policy acceptance and a policy acceptance state; a financial system 12 for obtaining payable data for the policy, wherein the payable data comprises: the insurance policy number, the account subject of the chargeable insurance fee, the amount of the chargeable insurance fee, the collection voucher number and the insurance acceptance voucher number, wherein the account subject of the chargeable insurance fee represents the payment mode of the chargeable insurance fee; a balance clearing platform 13, the balance clearing platform 13 comprising: the data lookup server 131 is configured to establish a mapping of balance data in a predetermined period according to policy data and premium data of the policy, generate a policy statement table, a manual accounting voucher table and a voucher detail table, adjust the accounting voucher table and voucher detail table, and an accounting voucher black name form table, and generate a premium debit list and a premium credit list to be charged in the predetermined period; a balance generating server 132, configured to generate an account list of the chargeable premium balance in the predetermined period according to the account list of the chargeable premium borrower and the account list of the chargeable premium credit; and a data storage server 133 for storing the list of chargeable premium balances in the predetermined period.

In the above embodiments, the predetermined period may be one or more weeks, one month, one quarter, several months, or one year. In one embodiment, the data lookup server and the balance generation server and the data storage server may be located on the same server or served by different servers in the same cluster of servers.

In one embodiment, the data lookup server 131 is configured to: if the normal policy is contracted, the data of the insurance premium which is to be collected is taken as debit data and is recorded in a debit policy list table, and the debit policy list table records the number of the insurance acceptance voucher and the data of the insurance premium which is to be collected; if the collection is confirmed, the data of the insurance fee to be collected is taken as credit data and is recorded in a credit policy statement table, and the credit policy statement table records the collection voucher number and the data of the insurance fee to be collected; if the establishment time of the collection voucher number in the receivable premium data is earlier than the insurance starting time of the policy, taking the receivable premium data as credit data and recording the credit data in a credit policy statement; if the receivable premium in the receivable premium data is in a hanging state, taking the receivable premium data as credit data and recording the credit data in a manual credit voucher table of a credit; if the payment mode recorded when the insurance premium is covered in the insurance premium data is different from the payment mode used by the insurance carrier for paying the insurance premium, so that a wrong insurance premium subject appears, taking the insurance premium data corresponding to the wrong insurance premium subject as credit data, recording the credit data in a credit adjustment account voucher table, and taking the insurance premium data corresponding to the corresponding correct insurance premium subject as debit data, and recording the debit data in a debit adjustment account voucher table; if the payment mode recorded when the accounts receivable premium in the accounts receivable premium data is collected is different from the payment mode used by the underwriter for paying the underwriting money, so that an error account for the accounts receivable premium appears, taking the accounts receivable data corresponding to the error account for the accounts receivable as debit data, recording the debit data in an account adjustment voucher table, taking the corresponding account receivable data corresponding to the correct account for the accounts receivable as credit data, and recording the credit data in an account adjustment voucher table; if the payment mode recorded during the insurance acceptance of the insurance premium in the insurance premium data is lacked, taking the insurance premium data as debit data and recording the debit data in a debit adjustment accounting voucher table; if the payment mode recorded during payment of the payable premium in the payable premium data is missing, taking the payable premium data as debit data and recording the debit data in the credit adjustment accounting voucher table; if the payment mode recorded when the payable premium in the payable premium data is underwritten is the same as the payment mode used by the underwriter for paying the underwriting, taking the payable premium data as debit data and recording the debit data in a debit insurance policy list table; if the payment mode of the receivable premium in the receivable premium data is the same as the payment mode used by the underwriter for paying the underwriting, taking the receivable premium data as credit data and recording the credit data in a credit policy statement form; and if the underwriting state in the policy data of the policy is the refund, taking the receivable premium data corresponding to the policy as credit data and recording the credit data in a credit policy statement table.

In one embodiment, the balance generation server 132 is configured to verify the list of accounts receivable debits and the list of accounts receivable credits based on the credential number; if the verification is inconsistent, prompting the certificate number; comparing the amount of the certificate number which is receivable in the list of the receivable premium borrowers with the amount of the receivable premium in the list of the receivable premium lenders, and if the amount values are equal, deleting the data corresponding to the certificate number from the list of the receivable premium borrowers and the list of the receivable premium lenders; the list of chargeable premium balances comprises: the insurance policy number, the collection voucher number, the underwriting voucher number, the subject of the payable, the amount of the payable, the billing time and a mark, wherein the mark is used for distinguishing credit data and debit data.

Fig. 2A is a schematic structural diagram illustrating a policy data processing method in an embodiment of the present invention. Referring to fig. 2A, the method includes the steps of:

step S101, acquiring policy data of a policy from an insurance system, wherein the policy data comprises a policy number, a policy acceptance and a policy acceptance state.

Step S102, acquiring chargeable premium data of the policy from a financial system, wherein the chargeable premium data comprises: the insurance policy number, the account subject of the insurance fee to be charged, the amount of the insurance fee to be charged, the collection voucher number and the insurance voucher number, wherein the account subject of the insurance fee to be charged represents the payment mode of the insurance fee to be charged.

Step S103, establishing a mapping of balance data in a preset period according to the policy data and the premium data of the policy, generating a policy clearing list, a manual accounting voucher list and a voucher detail list, adjusting the accounting voucher list and the voucher detail list, and an accounting voucher black name list, and generating a premium debit list and a premium credit list which are receivable in the preset period, wherein the premium debit list and the premium credit list which are receivable comprise voucher numbers, premium amounts, payment modes, service channels and time.

And step S104, generating an account of the chargeable premium balance in the preset period according to the account of the chargeable premium borrower and the account of the chargeable premium credit.

Step S105, storing the list of the chargeable premium balance in the preset period.

In the above embodiments, the predetermined period may be one or more weeks, one month, one quarter, several months, or one year.

Fig. 2B shows a schematic structural diagram of a policy data processing method in the embodiment of the present invention. Referring to fig. 2B, the policy data processing method includes the following steps.

In step S201, policy data of a policy is acquired from an insurance system. Wherein the policy data includes: insurance policy number, insurance acceptance and insurance acceptance state.

Step S202, acquiring the chargeable premium data of the policy from the financial system. Wherein the premium data comprises: the payment system comprises a policy number, a premium subject, a premium amount, a collection voucher number and an insurance voucher number, wherein the premium subject represents a payment mode of the premium. The payment voucher number is the voucher issued when the finance is collected, and the underwriting voucher number is the voucher issued when the underwriter underwrits payment. The collection voucher number belongs to the lender data and the underwriting voucher number belongs to the borrower data.

Step S203, determining that the insurance policy is in a normal underwriting stage by comparing the insurance policy data of the insurance policy with the corresponding receivable insurance premium data, and dividing the receivable insurance premium data of the insurance policy into debit data and credit data.

In one embodiment, if the normal policy is contracted, the payable data is recorded as debit data in a debit policy list table that records the underwriting voucher number and payable data.

In one embodiment, the payable data is recorded as credit data in a credit policy statement that records the collection voucher number and the payable data if the collection is confirmed.

In one embodiment, if the collection voucher number or the underwriting voucher number in the receivable voucher data does not find the voucher number corresponding to the collection voucher number or the underwriting voucher number in the voucher data, the policy is determined to be in an abnormal underwriting state. I.e. the credential number is present in the financial system but the corresponding business data is not found. In this case, the voucher number corresponding to the policy number is deleted when the chargeable balance is calculated, and the data corresponding to the policy number can be initially removed at a certain time without further processing.

In one embodiment, after the policy is determined to be in the normal underwriting stage, the policy is analyzed to separate the receivable premium data of the policy into debit data and credit data, which is then processed further. The particulars of the policy are complex due to the particularities of the insurance service, so that the debit or credit data will be recorded in different inventory tables for different situations. As will be specifically analyzed below.

In one embodiment, if the establishment time of the collection voucher number in the receivable payment data is earlier than the underwriting start time of the policy, the receivable payment data is divided into credit data and recorded in the credit policy statement. This special case may occur, for example, if the last day of the month fails to be covered and the first day of the following month does not. Wherein the credit policy list records the underwriting voucher number, etc. A credential list may also be established for recording other information.

In one embodiment, if the chargeable premium in the chargeable data is in the account status, the chargeable premium data is divided into credit data and recorded in the manual account voucher table of the credit. This occurs because long billed chargeable fees. The manual insurance certificate number, the manual certificate number and the like are recorded in the manual accounting voucher table of the lender, and the reason, such as 'manual adjustment', needs to be recorded. A credential list may also be established for recording other information.

In one embodiment, if the payment method of the receivable premium in the receivable premium data is different from the payment method used by the underwriter to pay the underwriting money, thereby causing the occurrence of the wrong payable item, the receivable premium data corresponding to the wrong payable item is divided into credit data and recorded in the credit adjustment accounting voucher table, and the receivable premium data corresponding to the corresponding correct payable item is divided into debit data and recorded in the debit adjustment accounting voucher table. That is, the system generates the account subject of the insurance fee due to the error of the payment mode recorded by the system during insurance underwriting, and the like, and partial reimbursement is needed to be performed, so that the correct account subject is changed. A credential list may also be established for recording other information.

In one embodiment, if the payment method of the accounts receivable data at the time of payment is different from the payment method of the underwriter for paying the underwriting money, thereby causing the occurrence of the wrong accounts receivable, the accounts receivable data corresponding to the wrong accounts receivable are divided into debit data and recorded in the debit adjustment accounting voucher table, and the accounts receivable data corresponding to the corresponding correct accounts receivable are divided into credit data and recorded in the credit adjustment accounting voucher table. That is, the system may generate the account subject of the insurance fee due to the error of the payment method recorded by the system during the payment confirmation, and the account subject needs to be partially reimbursed and changed to the correct account subject. A credential list may also be established for recording other information.

In one embodiment, if the payment method recorded during the insurance underwriting of the chargeable premium in the chargeable premium data is missing, the chargeable premium data is divided into debit data and recorded in a debit adjustment accounting voucher table. Namely, the underwriting certificate part has serious errors, and the underwriting certificate part is regenerated by adopting a scheme of complete offset. A credential list may also be established for recording other information.

In one embodiment, if the payment method recorded during payment of the receivable premium in the receivable premium data is missing, the receivable premium data is divided into debit data and recorded in the credit adjustment accounting voucher table. Namely, the part of the received voucher has serious errors, and a scheme of all canceling is adopted to regenerate and establish a voucher detail table for recording other information.

In one embodiment, if the payment method of the receivable premium in the receivable premium data is the same as the payment method used by the underwriter to pay the underwriting, the receivable premium data is divided into debit data and recorded in the debit policy list table. The payment means may be one or more, i.e. one or more, premium subjects. The debit insurance policy list table records information such as insurance certificate numbers, insurance premium subjects and the like.

In one embodiment, if the payable of the payable data is collected in the same manner as the underwriter paid the underwriting, the payable data is divided into credit data and recorded in the credit invoice statement table. That is, the premium accounts are presented to the lender with one or more premium accounts. The credit policy statement form records information such as insurance certificate number, insurance policy subject to be charged and the like.

In one embodiment, if the underwriting status in the policy data of the policy is a refund, the chargeable premium data corresponding to the policy is divided into credit data and recorded in a credit policy statement. The credit policy statement also records the reimbursement voucher number.

The above situation is a high summary of various situations in the process of making a new contract and receiving money under internet insurance. The debit data corresponds to the debit insurance policy statement and the debit-adjusted accounting voucher, and the credit data corresponds to the credit insurance policy statement and the credit-adjusted accounting voucher and the manual accounting voucher. According to the design, necessary conditions can be created for the next balance list generation.

And step S204, generating a debit list according to the debit data, and generating a credit list according to the credit data.

In one embodiment, the debit insurance policy statement and the debit adjustment accounting voucher generate a debit statement. And recording the data in the debit insurance policy list table and the debit adjustment bookkeeping voucher table into the debit list, wherein the amount of the premium to be charged is a positive number. The content comprises the following steps: premium number, premium amount due, payment mode, service channel, billing time, etc.

In one embodiment, the credit statement, the credit adjustment statement, and the manual credit statement generate the credit statement. And recording the data in the credit policy statement, the credit adjustment accounting voucher table and the credit manual accounting voucher table in the credit list, wherein the amount of the premium to be paid is negative. The content comprises the following steps: premium number, premium amount due, payment mode, service channel, billing time, etc. The insurance policy number and the amount of the collected insurance premium are used for calculating the list, and the service channel, the payment mode and the accounting time are used for displaying the list and are necessary information for urging the fee.

Step S205, according to the debit list and the credit list, generating an account balance list of the payable, wherein the payable amount of the policy number in the debit list is compared with the payable amount of the credit list, and if the two payable amounts are equal, the payable data corresponding to the policy number is deleted from the debit list and the credit list.

In one embodiment, the data in the debit and credit lists are recorded in the payable balance list in a manner that distinguishes between the data in the debit and credit lists. In the list of the balance which should be charged, the corresponding information is recorded by a specific symbol. For example, BUSI _ NO represents a business number and BUSI _ TYPE records what business is. If the voucher corresponding business is a new contract, the voucher number is stored by BUSI _ NO, and the BUSI _ TYPE records 'POLICYNO'; if the voucher corresponds to a RENEWAL, then the unique number and "RENEWAL _ ID" are recorded separately for the payment of the RENEWAL. In summary, BUSI _ NO records a unique number, distinguished by BUSI _ TYPE. The benefit of this design is that any new service can be stored in the table, only a new BUSI _ TYPE need be designed to store its unique number. VOUCHER _ NO is the underwriting or collection VOUCHER number, and SUBJECT is the SUBJECT of the warranty in the VOUCHER. AMOUNT is the AMOUNT of the premium to be charged corresponding to the policy number. VOUCHER _ DATE is the billing DATE and is a very critical record. Because the balance is calculated, the "accounting date" is always the standard, namely the date of the certificate in the financial system. The charging date and the insurance date can not be used as the standard. The FLAG indicates the direction of the debit or credit due for the premium. SA represents the debit, i.e., "premium charged", and CR _ ERROR represents the credit, i.e., "premium charged reduced". SA and CR _ ERROR are used to distinguish between debit data and credit data. The foregoing may be indicated by other symbols, and the invention is not limited thereto.

In one embodiment, for the verification of a single billing voucher, since the first part implements the correspondence of the billing voucher to the invoice in each case, the invoice and the amount of occurrence of the voucher number must correspond specifically to each voucher number, e.g., underwriting voucher number Y00001, whereby the amount due 1122010000 ￥ 5000.00.00 dollars, Y0001, the invoice for the voucher number must be 5000 dollars, and if not, the voucher number is prompted.

In one embodiment, the amount of the payable in the debit list is compared to the amount of the payable in the credit list, and if the two amounts are equal, the payable data corresponding to the policy number is deleted from the debit and credit lists. That is, when the chargeable premium balance in the debit list is a positive number, the chargeable premium balance in the credit list is a negative number, and the two chargeable premium balances for the same policy number are added to 0, the chargeable premium data corresponding to the policy number is deleted from the debit list and the credit list. And finishing the calculation work of the premium balance after traversing all the policy data. At this time, the data retained in the chargeable balance list is the desired calculation result. And the premium of the corresponding premium number is urged to be collected according to the information in the premium balance list. Specifically, the data are stored in the balance list to be paid, and although the policy data are massive data in the internet insurance scene, the step is only calculated by using such a database table, for example, only data of one month are calculated, and the data amount can be calculated relatively quickly even if the data amount reaches thousands of data. The calculation method is to delete the data that the number of the policy in the table is the same and the sum of the amount of the premium to be charged is equal to zero, namely, the same item is subtracted, and the rest data in the table is the balance list of the premium to be charged in the month. The calculation method avoids the operation and judgment of various abnormal conditions so as to achieve the effect of quickly and accurately obtaining the premium balance list. After the data is generated, the data is checked with the accumulated balance calculated by the certificate in the previous step, if the data is completely consistent with the accumulated balance calculated by the certificate, the balance is generated without errors in the current period, and the next part of storage link can be entered; if the two are not consistent, an error is prompted and the two cannot be stored.

In one embodiment, the result table of the chargeable balance list is stored according to the calculation result. The stored contents are the subject of the insurance fee to be charged, the date of the balance, the insurance policy number, the amount of money, the payment mode, the service channel and the service occurrence time. The storage is characterized in that the storage is carried out according to the months, so that the list of each month is consistent with the account of the finance, and the historical list of each month can be used for calling and inquiring; if the data volume of the stock-entering historical list is large, the stock-entering historical list can be transferred to other tables for filing, and only the chargeable premium balance list of the latest month is reserved for generating the chargeable premium balance list of the next month. After the premium bill is generated, the default content is correct and can not be changed, and the corresponding program can be changed along with the change of the service without influencing the generated bill data. Therefore, the method for calculating the chargeable premium balance list applied in the embodiment has the advantages of rapidness, accuracy and stability so as to ensure that the calculation work of the chargeable premium balance list is smoothly completed.

The insurance policy data processing method in the above embodiment generates the debit list and the credit list based on the insurance policy data and the receivable insurance fee data in the predetermined period, and further obtains the receivable insurance fee list in the predetermined period.

In one embodiment, the data in the chargeable premium balance list of the previous month is merged into the chargeable premium balance list, and if the credit data of the chargeable premium balance list is the same as the policy number and the chargeable premium amount of the debit data, the chargeable premium data corresponding to the policy number is deleted from the chargeable premium balance list to obtain the chargeable premium balance list of a plurality of months. The premium balance list is taken out from the previous month, and the premium balance list is written into the current month for calculation. And a monthly accumulation mode is adopted, so that the appearance of bad account staying is reduced.

In one embodiment, the credit or debit policy statement, the credit or debit adjustment voucher statement, and the credit or debit manual voucher statement calculate the current monthly balance for each subject according to the subject to be paid. If the initial balance of the subject is stored, the first initial balance plus the current balance is the accumulated balance, and the later monthly initial balance plus the current balance is the monthly accumulated balance. The balance is calculated in a rolling superposition mode, so that the processing speed can be increased, and the processing accuracy is improved.

The insurance policy data processing method in the above embodiment generates the debit list and the credit list based on the insurance policy data and the premium receivable data, and further obtains the premium receivable list, and the accurate premium receivable balance can be obtained by the above technical method.

Fig. 3 shows a block diagram of a policy data processing apparatus in an embodiment of the present invention. Referring to fig. 3, the policy data processing apparatus 300 includes: a first data acquisition module 301, a second data acquisition module 302, a data classification module 303, a first list generation module 304, and a second list generation module 305.

The first data acquisition module 301 is configured to acquire policy data of a policy from an insurance system, wherein the policy data includes: insurance policy number, insurance acceptance and insurance acceptance state.

The second data acquisition module 302 is configured to acquire payable data for the policy from the financial system, wherein the payable data includes: the payment system comprises a policy number, a premium subject, a premium amount, a collection voucher number and an insurance voucher number, wherein the premium subject represents a payment mode of the premium.

The data classification module 303 is configured to establish a mapping of balance data in a predetermined period according to policy data and chargeable policy data of the policy, generate a policy statement table, a manual accounting voucher table and a voucher detail table, adjust the accounting voucher table and voucher detail table, and an accounting voucher black name form table, and generate an chargeable debit list and an chargeable credit list in the predetermined period, where the chargeable debit list and the chargeable credit list include a voucher number, a premium amount, a payment manner, a service channel, and time.

The balance list generating module 304 is configured to generate the chargeable balance list in the predetermined period according to the chargeable debit list and the chargeable credit list.

The balance list storage module 305 is used for storing the chargeable balance list in the preset period.

The policy data processing device in the above embodiment generates the debit list and the credit list based on the policy data and the receivable premium data, and further obtains the receivable premium list, and the accurate receivable premium balance can be obtained by the above technical method.

For details which are not disclosed in the embodiments of the apparatus of the present invention, reference is made to the above-mentioned embodiment of the policy data processing method of the present invention for the details which are not disclosed in the embodiments of the apparatus of the present invention, since the respective functional modules of the information processing apparatus of the exemplary embodiment of the present invention correspond to the steps of the above-mentioned exemplary embodiment of the information processing method.

Referring now to FIG. 4, a block diagram of a computer system 400 suitable for use with the electronic device implementing an embodiment of the invention is shown. The computer system 400 of the electronic device shown in fig. 4 is only an example, and should not bring any limitation to the function and the scope of use of the embodiments of the present invention.

As shown in fig. 4, the computer system 400 includes a Central Processing Unit (CPU)401 that can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)402 or a program loaded from a storage section 408 into a Random Access Memory (RAM) 403. In the RAM 403, various programs and data necessary for system operation are also stored. The CPU401, ROM402, and RAM 403 are connected to each other via a bus 404. An input/output (I/O) interface 405 is also connected to bus 404.

The following components are connected to the I/O interface 405: an input section 406 including a keyboard, a mouse, and the like; an output section 407 including a display device such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 408 including a hard disk and the like; and a communication section 409 including a network interface card such as a LAN card, a modem, or the like. The communication section 409 performs communication processing via a network such as the internet. A driver 410 is also connected to the I/O interface 405 as needed. A removable medium 411 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 410 as necessary, so that a computer program read out therefrom is mounted into the storage section 408 as necessary.

In particular, according to an embodiment of the present invention, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present invention include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the policy data processing method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 409, and/or installed from the removable medium 411. The above-described functions defined in the system of the present application are executed when the computer program is executed by a Central Processing Unit (CPU) 401.

It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination 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 present invention, 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, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. 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 flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of policy data processing 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 described in the embodiments of the present invention may be implemented by software, or may be implemented by hardware, and the described modules may also be disposed in a processor. Wherein the names of the modules do not in some cases constitute a limitation of the module itself.

As another aspect, the present invention also provides a computer-readable medium, which may be contained in the electronic device described in the above embodiments; or may exist separately without being assembled into the electronic device. The computer readable medium carries one or more programs which, when executed by the electronic device, cause the electronic device to implement the policy data processing method as described in the above embodiments.

For example, the electronic device may implement the policy data processing method as shown in fig. 2A: step S101, acquiring policy data of the policy from the insurance system. Step S102, acquiring the chargeable premium data of the policy from the financial system. Step S103, establishing a mapping of balance data in a preset period according to the policy data and the premium data of the policy, generating a policy clearing list, a manual accounting voucher list and a voucher detail list, adjusting the accounting voucher list and the voucher detail list, and an accounting voucher black name list, and generating a premium debit list and a premium credit list which are receivable in the preset period, wherein the premium debit list and the premium credit list which are receivable comprise voucher numbers, premium amounts, payment modes, service channels and time. And step S104, generating an account of the chargeable premium balance in the preset period according to the account of the chargeable premium borrower and the account of the chargeable premium credit. Step S105, storing the list of the chargeable premium balance in the preset period.

It should be noted that although in the above detailed description several modules of the device for action execution are mentioned, this division is not mandatory. Indeed, the features and functionality of two or more of the modules described above may be embodied in one module according to embodiments of the invention. Conversely, the features and functions of one module described above may be further divided into embodiments by a plurality of modules.

Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiment of the present invention can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (which can be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which can be a personal computer, a server, a touch terminal, or a network device, etc.) to execute the policy data processing method according to the embodiment of the present invention.

Other embodiments of the invention will be apparent to those skilled in the art from consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the invention following, in general, the principles of the invention and including such departures from the present disclosure as come within known or customary practice within the art to which the invention pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the invention being indicated by the following claims.

It will be understood that the invention is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the invention is limited only by the appended claims.

Claims

1. A policy data processing system, comprising:

a balance clearing platform comprising:

2. The policy data processing system according to claim 1, wherein said data lookup server is configured to:

3. The policy data processing system according to claim 2, wherein said balance generating server is adapted to verify said list of eligible premium borrowers and said list of eligible premium credits based on a credential number, and if the verification is not consistent, to prompt the credential number; comparing the amount of the certificate number which is receivable in the list of the receivable premium borrowers with the amount of the receivable premium in the list of the receivable premium lenders, and if the amount values are equal, deleting the data corresponding to the certificate number from the list of the receivable premium borrowers and the list of the receivable premium lenders; the list of chargeable premium balances comprises: the insurance policy number, the collection voucher number, the underwriting voucher number, the subject of the payable, the amount of the payable, the billing time and a mark, wherein the mark is used for distinguishing credit data and debit data.

4. A policy data processing method, comprising:

and storing the list of the chargeable premium balances in the preset period.

5. The method of claim 4, wherein mapping balance data for a predetermined period based on policy data and chargeable premium data of the policy to generate a policy inventory table, a manual accounting voucher table and a voucher detail table, an adjusted accounting voucher table and voucher detail table, and an accounting voucher black name list table, and generating an chargeable premium debit list and an chargeable premium credit list for the predetermined period comprises:

6. The policy data processing method according to claim 5, wherein generating the list of chargeable debits and the list of chargeable credits for the predetermined period comprises:

7. The method of claim 5 wherein generating a list of chargeable premium balances within said predetermined period from said list of chargeable debits and said list of chargeable credits comprises:

verifying the debit list and the credit list of the receivable premium according to the certificate number, and if the verification is inconsistent, prompting the certificate number;

8. The policy data processing method according to claim 7, further comprising: and merging the data in the chargeable premium balance list in the previous preset period into the chargeable premium balance list in the preset period, and deleting the chargeable premium data corresponding to the premium number from the chargeable premium balance list if the credit data of the chargeable premium balance list is the same as the premium number and the chargeable premium amount of the debit data so as to obtain a plurality of chargeable premium balance lists in the preset period.

9. A policy data processing apparatus, comprising:

a first data acquisition module for acquiring policy data for a policy from an insurance system, wherein the policy data comprises: insurance policy number, insurance acceptance and insurance acceptance state;

a second data acquisition module for acquiring payable data for the policy from a financial system, wherein the payable data comprises: the insurance policy number, the account subject of the chargeable insurance fee, the amount of the chargeable insurance fee, the collection voucher number and the insurance acceptance voucher number, wherein the account subject of the chargeable insurance fee represents the payment mode of the chargeable insurance fee;

the data classification module is used for establishing mapping of balance data in a preset period according to policy data and chargeable policy data of the policy, generating a policy list table, a manual accounting voucher table and a voucher detail table, adjusting the accounting voucher table and the voucher detail table and an accounting voucher black name list table, and generating an chargeable policy debit list and an chargeable policy credit list in the preset period, wherein the chargeable policy debit list and the chargeable policy credit list comprise voucher numbers, premium amount, payment modes, service channels and time;

a balance list generating module, configured to generate an account list of the chargeable premium in the predetermined period according to the account list of the chargeable premium borrower and the account list of the chargeable premium credit;

and the balance list storage module is used for storing the balance list of the chargeable premium in the preset period.

10. A computer-readable medium, on which a computer program is stored, which program, when being executed by a processor, carries out a policy data processing method according to any one of claims 4 to 8.

11. An electronic device, comprising:

one or more processors;

storage means for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement the policy data processing method according to any one of claims 4 to 8.