CN111142749A - Insurance product issuing method, system and terminal equipment - Google Patents
Insurance product issuing method, system and terminal equipment Download PDFInfo
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- CN111142749A CN111142749A CN201911316557.5A CN201911316557A CN111142749A CN 111142749 A CN111142749 A CN 111142749A CN 201911316557 A CN201911316557 A CN 201911316557A CN 111142749 A CN111142749 A CN 111142749A
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Abstract
The embodiment of the invention discloses a method, a system and a terminal device for issuing insurance products, wherein the method comprises the following steps: acquiring the dangerous seed data structure information configured on a dangerous seed configuration interface by a user, and acquiring dangerous seed rule information and dangerous seed calculation information configured on the basis of the dangerous seed data structure information by the user; generating the dangerous seeds according to the dangerous seed rule information and the dangerous seed calculation information and releasing the dangerous seeds; collecting at least one published dangerous species selected by a user in a product configuration interface to generate product data structure information; acquiring product rule information, product calculation information and product income calculation information configured by a user based on product data structure information; generating a corresponding product according to the product rule information, the product calculation information and the product income calculation information; and issuing the product passing the test. The invention can realize one-time configuration and multiple times of calling by dynamically configuring and loading and releasing dangerous seeds and products, reduce a large amount of repeated work, improve the development efficiency of the system on the products and the like.
Description
Technical Field
The invention relates to the technical field of insurance, in particular to a method, a system and a terminal device for issuing an insurance product.
Background
Products in a traditional insurance business system are mostly developed in a SQL (structured query language) or Java code mode and the like, and because the existing scheme basically adopts a product information data model with a fixed structure, all products are usually developed independently, so that development and flow integration are carried out by spending a large amount of manpower no matter new product development or old product upgrading is carried out, and when a product is newly developed, the system is required to be restarted to load corresponding newly-added product codes and data, which brings certain inconvenience.
Disclosure of Invention
In view of the above problems, the present invention provides an insurance product issuing method, system and terminal device.
One embodiment of the present invention provides an insurance product issuing method including:
acquiring the dangerous seed data structure information configured on a dangerous seed configuration interface by a user, and acquiring the dangerous seed rule information and the dangerous seed calculation information configured on the dangerous seed rule and the calculation configuration interface by the user based on the dangerous seed data structure information;
generating corresponding dangerous seeds according to the dangerous seed rule information and the dangerous seed calculation information and issuing the dangerous seeds;
collecting at least one issued dangerous type selected by a user in a product configuration interface, and generating corresponding product data structure information according to the at least one issued dangerous type;
acquiring product rule information and product calculation information configured on a product rule and calculation configuration interface by a user based on the product data structure information, and product income calculation information configured on a product income calculation configuration interface;
generating a corresponding product according to the product rule information, the product calculation information and the product income calculation information;
and testing the generated product, and issuing the product passing the test.
Further, in the method for issuing an insurance product, the insurance type configuration interface includes a plurality of issued components, and the obtaining of the insurance type data structure information includes:
and collecting at least one published component selected by a user in the dangerous type configuration interface, and performing data structure instance encapsulation on the at least one published component by adopting a JSON format.
Further, in the insurance product issuing method, before acquiring the information of the data structure of the dangerous seeds, the method further includes:
acquiring the information of the dangerous type attribute items configured on a metadata configuration interface by a user to generate corresponding metadata and publish the metadata;
acquiring a plurality of published metadata selected by a user in an entity configuration interface, generating a corresponding entity and performing entity publication;
and acquiring a plurality of published entities selected by a user in the component configuration interface, generating corresponding components and publishing the components.
Further, in the insurance product issuing method, the testing the generated product includes:
and testing the rules, calculation and income calculation of the product according to the service test data input by the user, and outputting and displaying the test result.
Further, in the insurance product distribution method described above, further comprising:
acquiring the information of the dangerous rate configured in a dangerous rate configuration interface by the user based on the information of the dangerous rate data structure;
and generating corresponding dangerous seeds according to the dangerous seed rule information, the dangerous seed calculation information and the dangerous seed rate information and issuing the dangerous seeds.
Further, in the insurance product issuing method described above, the metadata includes at least one of premium metadata, insurance period metadata, payment means metadata, and number of covered shares metadata; the entity comprises at least one of a payment responsibility entity, a payment entity and a security entity; the components include at least one of an insuring component, a liability component, an applicant component and an insured life component.
Another embodiment of the present invention provides an insurance product dynamic configuration system, including:
the dangerous type configuration module is used for acquiring the dangerous type data structure information configured on the dangerous type configuration interface by the user, and acquiring the dangerous type rule information and the dangerous type calculation information configured on the dangerous type rule and calculation configuration interface by the user based on the dangerous type data structure information;
the dangerous seed issuing module is used for generating corresponding dangerous seeds according to the dangerous seed rule information and the dangerous seed calculation information and issuing the dangerous seeds;
the product data structure configuration module is used for collecting at least one issued dangerous species selected by a user in a product configuration interface and generating corresponding product data structure information according to the at least one issued dangerous species;
the product business configuration module is used for acquiring product rule information and product calculation information configured on a product rule and calculation configuration interface by a user based on the product data structure information and product income calculation information configured on a product income calculation configuration interface;
the product generation module is used for generating a corresponding product according to the product rule information, the product calculation information and the product income calculation information;
and the product testing and releasing module is used for testing the generated product and releasing the product passing the test.
Further, in the dynamic configuration system of insurance products, the insurance configuration interface includes a plurality of published components, and the insurance configuration module collects at least one published component selected by the user in the insurance configuration interface and performs data structure instance encapsulation on the at least one published component in JSON format.
Yet another embodiment of the present invention provides a terminal device comprising a processor and a memory, the memory storing a computer program, the processor being configured to execute the computer program to implement the insurance product issuing method described above.
Still another embodiment of the present invention provides a computer-readable storage medium storing a computer program that, when executed, implements the insurance product distribution method described above.
The insurance product release method of the embodiment of the invention mainly comprises two parts in realizing the configuration of the insurance product, namely a dangerous seed configuration process and a product configuration process, and realizes the subsequent multiple use of each dangerous seed by independently defining the structure, the rule, the calculation and the like of the two granularities of the dangerous seed and the product, thereby greatly improving the development efficiency; meanwhile, configuration interfaces and test links such as product rules, calculation and benefit calculation related to the product are provided, so that visual flexible configuration, test result display and the like are realized in the whole product development process.
Drawings
In order to more clearly illustrate the technical solution of the present invention, the drawings required to be used in the embodiments will be briefly described below, and it should be understood that the following drawings only illustrate some embodiments of the present invention, and therefore should not be considered as limiting the scope of the present invention. Like components are numbered similarly in the various figures.
FIG. 1 illustrates a first flowchart of an insurance product distribution method of an embodiment of the present invention;
FIG. 2 is a schematic diagram illustrating an insurance configuration interface of an insurance product distribution method according to an embodiment of the present invention;
FIG. 3 illustrates a second flow diagram of an insurance product distribution method of an embodiment of the invention;
FIG. 4 is a schematic diagram illustrating an application of the insurance product issuing method according to the embodiment of the present invention;
FIG. 5 is a schematic diagram illustrating a metadata configuration interface for an insurance product distribution method of an embodiment of the invention;
FIG. 6 is a schematic diagram showing an application of the dynamic configuration system of the insurance product according to the embodiment of the present invention.
Description of main component symbols:
100-dynamic configuration system of insurance products; 110-a seed configuration module; 120-a dangerous species publishing module;
130-a product data structure configuration module; 140-product service configuration module; 150-a product generation module; 160-product test and release Module.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments.
The components of embodiments of the present invention generally described and illustrated in the figures herein may be arranged and designed in a wide variety of different configurations. Thus, the following detailed description of the embodiments of the present invention, presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments of the present invention without making any creative effort, shall fall within the protection scope of the present invention.
Hereinafter, the terms "including", "having", and their derivatives, which may be used in various embodiments of the present invention, are only intended to indicate specific features, numbers, steps, operations, elements, components, or combinations of the foregoing, and should not be construed as first excluding the existence of, or adding to, one or more other features, numbers, steps, operations, elements, components, or combinations of the foregoing.
Furthermore, the terms "first," "second," "third," and the like are used solely to distinguish one from another and are not to be construed as indicating or implying relative importance.
Unless otherwise defined, all terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art to which various embodiments of the present invention belong. The terms (such as those defined in commonly used dictionaries) should be interpreted as having a meaning that is consistent with their contextual meaning in the relevant art and will not be interpreted in an idealized or overly formal sense unless expressly so defined herein in various embodiments of the present invention.
Example 1
Referring to fig. 1, the embodiment provides an insurance product release method, which is applied to a platform or a system for a business party to develop an insurance product. The insurance product distribution method will be described in detail below, as shown in fig. 1.
Step S110, obtaining the data structure information of the dangerous case configured on the dangerous case configuration interface by the user, and obtaining the dangerous case rule information and the dangerous case calculation information configured on the dangerous case rule and calculation configuration interface by the user based on the data structure information of the dangerous case.
Illustratively, the user can configure the data structure of the dangerous case in a dangerous case configuration interface provided in the system, so that the system collects the information configured in the dangerous case interface by the user as the data structure information of the corresponding dangerous case. It can be understood that the system can obtain a plurality of different risk seed data structures according to different configuration information of the user, and further can be used for forming different risk seeds subsequently.
In this embodiment, a data structure of dangerous cases is composed of a group of multiple components with dangerous case business relationships. For example, the system may pre-configure different published components and display them on the threat configuration interface for selection by the user. Therefore, for the acquisition of the information of the data structure of the dangerous type, the system can form example data corresponding to the dynamic data structure by collecting at least one published component selected by the user in the dangerous type configuration interface and carrying out example encapsulation on the selected component combination by adopting a JSON format, namely, generating a dangerous type object. It is to be appreciated that the data structure for the seed risk object can be dynamically assembled based on the user selected components.
FIG. 2 shows a schematic of a dangerous configuration interface. As can be seen from FIG. 2, the risk data structure currently being configured includes several components, such as a basic information component, a liability information component, an applicant component and an insured life component, and the user can also add other components through an "add other components" option. And after the user configures the corresponding components according to the dangerous seed service relationship, the system converts the acquired component combinations into JSON objects by adopting a JSON format, thereby forming an example corresponding to the dangerous seed data structure of the dangerous seed to be issued. It can be understood that the JSON format is a lightweight data exchange format, and by using the JSON format, transmission complexity, occupation of transmission resources and the like for a large data volume can be greatly reduced.
Wherein, the dangerous seed rule is logic verification of the dangerous seed object. It can be understood that the information of the dangerous seed rule is the verification logic and the description information of the dangerous seed rule. For example, with the risk to be issued shown in fig. 2, the risk rule may include verifying whether the age of the insured person meets the preset insurance application age requirement, etc. And the calculation of the dangerous seeds is carried out according to a preset operation formula configured by a user by taking the dangerous seed object as an input parameter. It can be understood that the above-mentioned dangerous seed calculation information is the logic and description information of the dangerous seed calculation algorithm. For example, calculation of an insurance risk to be issued may include calculation of an insurance premium at the time of insurance placement, and the like.
Exemplarily, the interface for configuring the dangerous seed rules and calculating the dangerous seeds mainly comprises a configuration area for the dangerous seed rules and a configuration area for calculating the dangerous seeds. Of course, the two areas may also be located in different display interfaces, and the specific presentation form is not limited. Optionally, the dangerous seed rule configuration area further includes some preset general dangerous seed rules for the user to directly call. Similarly, the calculation configuration area of the dangerous seeds can also comprise a plurality of preset general calculation formulas for the user to directly call.
Then, after generating the information of the dangerous case data structure, the system generates the corresponding dangerous case according to the information configured by the user on the dangerous case rule and the calculation configuration interface and issues the dangerous case, that is, executes step S120.
And for the published components in the dangerous seed configuration interface, a user can perform pre-configuration and publishing operations in the system. As shown in fig. 3, before obtaining the data structure information of the dangerous seeds, the method further includes:
and step S80, acquiring the information of the dangerous item configured by the user on the metadata configuration interface to generate corresponding metadata and publish the metadata.
Step S90, acquiring multiple published metadata selected by the user in the entity configuration interface, generating a corresponding entity, and performing entity publication.
Step S100, a plurality of published entities selected by a user in a component configuration interface are obtained, corresponding components are generated, and component publishing is carried out.
With respect to the above-mentioned step S80, the metadata is a minimum configurable element of the risky species for defining attribute item information of the risky species, which is a data specification of the information items included in the risky species data structure. For example, as shown in FIG. 4, the attribute items constituting the risk category may include, but are not limited to, premium, basic premium, payment method, number of insurance shares, etc., i.e., corresponding generated premium metadata, basic premium metadata, payment method metadata, number of insurance shares metadata, etc.
Each attribute item has a corresponding data specification, as shown in fig. 5, taking the premium attribute item as an example, the premium attribute item includes a corresponding unique code, a control type, a data length, and the like. Generally, the same information items included in different dangerous seeds have the same data specification, so that all links in the system can process the dangerous seed information in a uniform mode, and repeated development work is reduced.
For step S90, after the generated metadata is published, the metadata is displayed in the entity configuration interface for the user to select, and is further used for generating the corresponding entity. Wherein an entity is a set of metadata having a risky business relationship. Illustratively, as shown in FIG. 4, the entity may include, but is not limited to, a payment responsible entity, a payment entity, a security entity, and the like. For example, an entity consists of several metadata, such as premium, base premium, and pay mode. It is understood that in the entity configuration interface, a user can make a plurality of metadata selections according to actual needs for configuring an entity.
For step S100, after the generated entity is published, it is displayed in the component configuration interface for selection by the user, and is further used for generating a corresponding component. Wherein a component is a collection of entities with a risky business relationship. Illustratively, as shown in FIG. 4, the components may include, but are not limited to, an insuring component, a liability component, an applicant component, an insured component, and the like. For example, a component may consist of a security entity and a payment entity. It is understood that in the component configuration interface, a user can make a plurality of metadata selections according to actual needs for configuring a component.
Through the steps S80-S100, metadata, entities and components are configured in sequence, and the distributed components are synchronized to the risk configuration interface for selection by the user, so as to generate the required risk. Of course, the user may also manage, e.g., modify, delete, etc., the published metadata, entities, and components described above. It can be understood that the system sequentially corresponds the three levels of metadata, entities and components to the fields, tables and table relations in the relational database, and defines the data model of the risk species based on a row-column inversion mode, so that the data structure information definition of different types of risk species is not limited to the constraint that the fixed structure data model cannot be dynamically expanded.
And S120, generating corresponding dangerous seeds according to the dangerous seed rule information and the dangerous seed calculation information and issuing the dangerous seeds.
Optionally, for some dangerous seeds possibly related to the rate calculation problem, for the step S110, after the obtaining of the dangerous seed data structure information, the method further includes: and acquiring the information of the dangerous rate configured in the dangerous rate configuration interface by the user based on the dangerous rate data structure information. Then, the system generates corresponding dangerous seeds according to the acquired dangerous seed rule information, the dangerous seed calculation information and the dangerous seed rate information and distributes the dangerous seeds.
Step S130, collecting at least one issued dangerous species selected by the user in the product configuration interface, and generating corresponding product data structure information according to the at least one issued dangerous species.
When a dangerous type is released, the dangerous type is automatically synchronized into a product configuration interface. For the step S130, the system synchronously displays the issued dangerous seeds obtained by the user configuration to the product configuration interface, and collects the dangerous seeds selected by the user to generate the data structure information of the product to be issued, i.e. the product object.
Because the types of insurance products are different, some products contain one dangerous seed, some products can contain a plurality of dangerous seeds, and different types of products can also contain the same dangerous seed, and the dangerous seed selection is carried out according to the requirements of users. In this embodiment, an association relationship is set between the product and the dangerous seed. And the product and the dangerous species are defined and configured separately. Therefore, the method can realize one-time development and multiple use of dangerous seeds, and greatly improve the product development efficiency and the like.
Step S140, acquiring product rule information and product calculation information configured in the product rule and calculation configuration interface by the user based on the product data structure information, and product income calculation information configured in the product income calculation configuration interface.
Wherein the product rule is a logical verification of the product object. It can be understood that the product rule information is the product rule verification logic and the description information. For example, a product rule for a product to be released may include verifying that additional insurance in a product meets the insurable additional requirements of the main insurance, and so on. The product calculation is carried out according to a preset product calculation formula by taking a product object as an input parameter. It can be understood that the product calculation information is the product calculation algorithm logic and description information. For example, product calculation of a product to be released may include calculating a total premium for the main risk and the additional risk, and so on. The product income calculation, namely the product income calculation algorithm logic and the description information, forms a formula set for generating a multi-row and multi-column operation result according to a plurality of calculation formulas configured by a user based on a product object.
Exemplarily, the product rule and calculation configuration interface mainly includes a configuration area for product rules and a configuration area for product calculation. Of course, the two areas may also be located in different display interfaces, and the specific presentation form is not limited. The product income calculation configuration interface mainly comprises an area for inputting a plurality of calculation formulas for a user, and optionally, a plurality of preset calculation formulas are provided for the user to call.
And S150, generating a corresponding product according to the product rule information, the product calculation information and the product income calculation information.
Then, the system defines a corresponding insurance product according to the acquired product rule information, product calculation information and product income calculation information.
For an insurance product, in order to ensure the benefits of both sides of a user and a business party, a business test is required before release, and only the product passing the test can be released to the actual production environment.
And step S160, testing the generated product and issuing the product passing the test.
Exemplarily, the system performs rule verification, calculation operation and profit calculation trial calculation on the product according to the test data input by the user, and outputs and displays the corresponding test result for comparison with the expected result. Optionally, the system will also interface the structural information of the tested product.
Further optionally, for the product rule information, the product calculation information, the product profit calculation information, and the like, corresponding calling interfaces are further encapsulated for calling other business links in the system, and the like.
The insurance product release method provided by the embodiment mainly comprises two parts, namely a dangerous type configuration process and a product configuration process, wherein the dangerous type configuration process and the product configuration process are respectively realized, the structures, rules, calculation and the like of the two granularities of the dangerous type and the product are respectively and independently defined, and the defined dangerous types are dynamically called, so that the subsequent repeated use of the dangerous types in one development is realized, and the development efficiency is greatly improved; meanwhile, configuration interfaces and test links such as product rules, calculation and benefit calculation related to the product are provided, so that visual flexible configuration, test result analysis and the like are realized in the whole product development process. In addition, in the process of configuring the dangerous seeds, by utilizing the association design among the multi-level data such as metadata, entities, components and the like, the repeated development work is greatly reduced, and the dynamic expansion of the system is facilitated.
Example 2
Referring to fig. 6, based on the insurance product issuing method of embodiment 1, the present embodiment provides an insurance product dynamic configuration system 100, which includes an insurance seed management part and a product management part, wherein the insurance seed management part includes an insurance seed configuration module 110 and an insurance seed issuing module 120, and the product management part includes a product data structure configuration module 130, a product service configuration module 140, a product generation module 150, and a product testing and issuing module 160.
The dangerous type configuration module 110 is configured to obtain dangerous type data structure information configured by a user on a dangerous type configuration interface, and obtain dangerous type rule information and dangerous type calculation information configured by the user on a dangerous type rule and calculation configuration interface based on the dangerous type data structure information;
the dangerous seed publishing module 120 is configured to generate a corresponding dangerous seed according to the dangerous seed rule information and the dangerous seed calculation information and publish the dangerous seed;
a product data structure configuration module 130, configured to collect at least one issued dangerous species selected by a user in a product configuration interface, and generate corresponding product data structure information according to the at least one issued dangerous species;
the product service configuration module 140 is configured to obtain product rule information and product calculation information configured by a user on a product rule and calculation configuration interface based on the product data structure information, and product income calculation information configured on a product income calculation configuration interface;
the product generation module 150 is configured to generate a corresponding product according to the product rule information, the product calculation information, and the product income calculation information;
and the product testing and issuing module 160 is configured to test the generated product and issue a product that passes the test.
Further, the risky configuration interface comprises a plurality of published components, and the risky configuration module 110 performs data structure instance encapsulation on at least one published component selected by the user in the risky configuration interface by collecting the at least one published component and adopting a JSON format.
It is understood that the modules in the dynamic configuration system 100 of the insurance product of the present embodiment correspond to the method of embodiment 1, and the options of embodiment 1 are also applicable to the present embodiment, so detailed descriptions thereof are omitted.
The present invention also provides a terminal device, such as a computer, etc., which includes a memory and a processor, wherein the memory stores a computer program, and the processor executes the computer program, so that the terminal device executes the functions of the insurance product issuing method or the insurance product dynamic configuration system 100.
The memory may include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required for at least one function; the storage data area may store data created according to the use of the terminal device, and the like. Further, the memory may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device.
The present invention also provides a computer-readable storage medium for storing the computer program used in the above-mentioned terminal device.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus and method can be implemented in other ways. The apparatus embodiments described above are merely illustrative and, for example, the flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of apparatus, 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 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 and/or flowchart illustration, and combinations of blocks in the block diagrams and/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.
In addition, each functional module or unit in each embodiment of the present invention may be integrated together to form an independent part, or each module may exist separately, or two or more modules may be integrated to form an independent part.
The functions, if implemented in the form of software functional modules and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention or a part of the technical solution that contributes to the prior art in essence can be embodied in the form of a software product, which is stored in a storage medium and includes instructions for causing a computer device (which may be a smart phone, a personal computer, a server, or a network device, etc.) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The above description is only for the specific embodiments of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present invention, and all the changes or substitutions should be covered within the scope of the present invention.
Claims (10)
1. An insurance product issuing method, comprising:
acquiring the dangerous seed data structure information configured on a dangerous seed configuration interface by a user, and acquiring the dangerous seed rule information and the dangerous seed calculation information configured on the dangerous seed rule and the calculation configuration interface by the user based on the dangerous seed data structure information;
generating corresponding dangerous seeds according to the dangerous seed rule information and the dangerous seed calculation information and issuing the dangerous seeds;
collecting at least one issued dangerous type selected by a user in a product configuration interface, and generating corresponding product data structure information according to the at least one issued dangerous type;
acquiring product rule information and product calculation information configured on a product rule and calculation configuration interface by a user based on the product data structure information, and product income calculation information configured on a product income calculation configuration interface;
generating a corresponding product according to the product rule information, the product calculation information and the product income calculation information;
and testing the generated product, and issuing the product passing the test.
2. The insurance product issuing method according to claim 1, wherein the insurance type configuration interface includes a plurality of issued components, and the acquiring of the insurance type data structure information includes:
and collecting at least one published component selected by a user in the dangerous type configuration interface, and performing data structure instance encapsulation on the at least one published component by adopting a JSON format.
3. The insurance product issuing method according to claim 2, wherein before acquiring the information of the data structure of the dangerous seeds, the method further comprises:
acquiring the information of the dangerous type attribute items configured on a metadata configuration interface by a user to generate corresponding metadata and publish the metadata;
acquiring a plurality of published metadata selected by a user in an entity configuration interface, generating a corresponding entity and performing entity publication;
and acquiring a plurality of published entities selected by a user in the component configuration interface, generating corresponding components and publishing the components.
4. The insurance product issuing method according to claim 1, wherein said testing the generated product includes:
and testing the rules, calculation and income calculation of the product according to the service test data input by the user, and outputting and displaying the test result.
5. The insurance product issuance method according to claim 1, further comprising:
acquiring the information of the dangerous rate configured in a dangerous rate configuration interface by the user based on the information of the dangerous rate data structure;
and generating corresponding dangerous seeds according to the dangerous seed rule information, the dangerous seed calculation information and the dangerous seed rate information and issuing the dangerous seeds.
6. The insurance product issuing method according to claim 3, wherein said metadata includes at least one of premium metadata, insurance period metadata, payment means metadata, and number of covered shares metadata; the entity comprises at least one of a payment responsibility entity, a payment entity and a security entity; the components include at least one of an insuring component, a liability component, an applicant component and an insured life component.
7. An insurance product dynamic configuration system, comprising:
the dangerous type configuration module is used for acquiring the dangerous type data structure information configured on the dangerous type configuration interface by the user, and acquiring the dangerous type rule information and the dangerous type calculation information configured on the dangerous type rule and calculation configuration interface by the user based on the dangerous type data structure information;
the dangerous seed issuing module is used for generating corresponding dangerous seeds according to the dangerous seed rule information and the dangerous seed calculation information and issuing the dangerous seeds;
the product data structure configuration module is used for collecting at least one issued dangerous species selected by a user in a product configuration interface and generating corresponding product data structure information according to the at least one issued dangerous species;
the product business configuration module is used for acquiring product rule information and product calculation information configured on a product rule and calculation configuration interface by a user based on the product data structure information and product income calculation information configured on a product income calculation configuration interface;
the product generation module is used for generating a corresponding product according to the product rule information, the product calculation information and the product income calculation information;
and the product testing and releasing module is used for testing the generated product and releasing the product passing the test.
8. The dynamic insurance product configuration system according to claim 7, wherein the configuration interface includes a plurality of published components, and the configuration module performs data structure instance encapsulation on at least one published component selected by the user in the configuration interface by collecting the at least one published component and using JSON format.
9. A terminal device, characterized in that the terminal device comprises a processor and a memory, the memory storing a computer program, the processor being configured to execute the computer program to implement the insurance product issuing method according to any one of claims 1 to 6.
10. A computer-readable storage medium characterized by storing a computer program which, when executed, implements the insurance product distribution method according to any one of claims 1 to 6.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201911316557.5A CN111142749B (en) | 2019-12-19 | 2019-12-19 | Insurance product release method, system and terminal equipment |
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| CN111652744A (en) * | 2020-05-28 | 2020-09-11 | 泰康保险集团股份有限公司 | Health risk product configuration method, device, medium and equipment |
| CN112416465A (en) * | 2020-11-30 | 2021-02-26 | 阳光保险集团股份有限公司 | Information configuration method and device, electronic equipment and storage medium |
| CN112580980A (en) * | 2020-12-18 | 2021-03-30 | 中国人寿保险股份有限公司 | Service processing method and device and electronic equipment |
| CN114782208A (en) * | 2022-05-10 | 2022-07-22 | 北京华通互惠科技有限公司 | Insurance clause configuration device and method, electronic equipment and storage medium |
| CN114792272A (en) * | 2022-05-10 | 2022-07-26 | 北京华通互惠科技有限公司 | Insurance product processing device, insurance product processing method, electronic device, and storage medium |
| CN115099983A (en) * | 2022-06-13 | 2022-09-23 | 中国人民财产保险股份有限公司 | Client insurance product generation method and device |
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