CN111353899A - Policy information data processing method and device, computer equipment and storage medium - Google Patents
Policy information data processing method and device, computer equipment and storage medium Download PDFInfo
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- CN111353899A CN111353899A CN201811570104.0A CN201811570104A CN111353899A CN 111353899 A CN111353899 A CN 111353899A CN 201811570104 A CN201811570104 A CN 201811570104A CN 111353899 A CN111353899 A CN 111353899A
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0621—Item configuration or customization
Abstract
The application relates to the field of big data, and provides a policy information data processing method and device, computer equipment and a storage medium. The method comprises the following steps: the method comprises the steps of receiving a first insurance policy customization request sent by a terminal, wherein the first insurance policy customization request carries insurance policy customization parameters, the insurance policy customization parameters comprise insurance policy customizer identification, insured information and intention risk type information, according to the insurance policy customizer identification, risk evaluation guarantee coefficients in a risk evaluation server, according to the insured information, the intention risk type and the risk evaluation guarantee coefficients, matching optional insurance product information from a product library server, and according to target insurance products selected by the optional insurance product information and the insured information, generating an insurance policy customization report and sending the insurance policy customization report to the terminal. The insurance product recommendation method and system can rapidly provide a insurance policy customization report meeting the real requirements of the user aiming at different users, and different purchase schemes are screened through the insurance policy customization report, so that the insurance product recommendation efficiency and accuracy are improved.
Description
Technical Field
The present application relates to the field of computer technologies, and in particular, to a policy information data processing method, apparatus, computer device, and storage medium.
Background
Along with the improvement of living standard of people, the insurance consciousness of people is gradually strengthened, people hope to select a proper insurance product for people and family, and along with the rapid development of computer technology, people can purchase insurance on the internet through a computer network. However, the variety of insurance products on the market is various, different insurance companies have a plurality of small and large insurance products, no matter the insurance products are purchased on line or off line, when a consumer selects the insurance products, the consumer needs to select the insurance products according to the description of insurance businessmen or the introduction of the miscellaneous insurance products, and the insurance products are often purchased under the condition that the real requirements of the consumer are not accurately grasped due to the asymmetric information of the consumer.
Disclosure of Invention
Therefore, a policy information data processing method, a policy information data processing device, a computer device and a storage medium are needed to be provided, so that a purchase scheme of insurance products meeting the real requirements of users can be provided, and accurate recommendation of the insurance products is realized.
A policy information data processing method comprises
Receiving a first policy customization request sent by a terminal, wherein the first policy customization request carries policy customization parameters, and the policy customization parameters comprise policy customizer identification, insured information and intention risk category information;
acquiring a risk evaluation guarantee coefficient from a risk evaluation server according to the policy customizing person identifier;
matching optional insurance product information from a product library server according to the insured information, the intention risk category information and the risk evaluation guarantee coefficient, and sending the optional insurance product information to a terminal;
receiving a second insurance policy customization request sent by the terminal, wherein the second insurance policy customization request carries a target insurance product selected according to the information of the selectable insurance product;
and generating a policy customization report according to the insured information and the product information of the target insurance product, and sending the policy customization report to the terminal.
In one embodiment, the method further comprises:
receiving a policy association request sent by the terminal, wherein the policy association request carries an insured identification;
acquiring an insurance policy of the insured from an insurance server according to the insured identification;
and integrating the policy customization report and the managed policy to generate an integrated policy customization report, and sending the integrated policy customization report to the terminal.
In one embodiment, after the step of sending the optional insurance product information to the terminal, the method further includes:
receiving a first insurance product collection request sent by the terminal, wherein the first insurance product collection request carries a first collection insurance product selected according to the selectable insurance product information;
acquiring information to be paid of the first collection of insurance products from a payment server, and storing the information to be paid and the first collection of insurance products to the terminal;
receiving a confirmation purchase request sent by the terminal, wherein the confirmation purchase request carries payment parameters, and the payment parameters comprise at least one of a successful payment identifier, an insurance product identifier of the first collection insurance product and an insured life identifier;
and generating a policy according to the payment success identification, the insurance product identification and the insured life identification, sending the policy to the terminal, and sending the policy to a hosting server for storage.
In one embodiment, the step of obtaining a risk assessment security coefficient from the risk assessment server according to the policy-customized person identifier further includes:
acquiring an identifier of a person to be evaluated from a risk evaluation server;
when the customized person identification is successfully matched with the evaluated person identification, acquiring the corresponding risk evaluation guarantee coefficient from the risk evaluation server according to the evaluated person identification;
when the matching between the customized person identification and the tested person identification fails, test data are obtained from the risk evaluation server, and the test data are sent to the terminal;
receiving test result data sent by the terminal, and sending the test result data and the customized person identifier to the risk assessment server;
and receiving the risk evaluation guarantee coefficient corresponding to the customized person identification generated by the risk evaluation server according to the test result data.
In one embodiment, after the step of generating a policy customization report according to the insured information and the product information of the target insurance product and sending the policy customization report to the terminal, the method further comprises:
receiving a second insurance product collection request sent by the terminal, wherein the second insurance product collection request carries a second collection insurance product selected according to the target insurance product corresponding to the customization report;
acquiring information to be paid of the second collection of insurance products from a payment server, and sending the information to be paid and the second collection of insurance products to the terminal;
receiving a confirmation purchase request sent by the terminal, wherein the confirmation purchase request carries payment parameters, and the payment parameters comprise at least one of a successful payment identifier, an insurance product identifier of the second collection insurance product and an insured life identifier;
and generating a policy according to the payment success identification, the insurance product identification of the second collected insurance product and the insured identification, storing the policy to the terminal, and sending the policy to an escrow server for storage.
A policy information data processing apparatus, the apparatus comprising:
the system comprises a first policy customization request receiving module, a first policy customization request receiving module and a first policy customization processing module, wherein the first policy customization request is sent by a terminal and carries policy customization parameters, and the policy customization parameters comprise policy customizer identification, insured information and intention risk category information;
the risk evaluation support coefficient acquisition module is used for acquiring a risk evaluation support coefficient from the risk evaluation server according to the policy customization person identification;
the matching module is used for matching optional insurance product information from a product library server according to the insured information, the intention risk category information and the risk evaluation guarantee coefficient and sending the optional insurance product information to a terminal;
a second policy customization request receiving module, configured to receive a second policy customization request sent by the terminal, where the second policy customization request carries a target insurance product selected according to the information of the selectable insurance product;
and the insurance policy customization report generating module is used for generating an insurance policy customization report according to the insured information and the product information of the target insurance product and sending the insurance policy customization report to the terminal.
In one embodiment, the apparatus further comprises:
a policy association request receiving module, configured to receive a policy association request sent by the terminal, where the policy association request carries an identifier of an insured;
the insurance policy acquisition module is used for acquiring the insurance policy of the insured from the hosting server according to the insured identification;
and the data integration module is used for integrating the insurance policy customization report and the managed insurance policy, generating an integrated insurance policy customization report and sending the integrated insurance policy customization report to the terminal.
In one embodiment, the apparatus further comprises:
the first insurance product collection request receiving module is used for receiving a first insurance product collection request sent by the terminal, wherein the first insurance product collection request carries a first insurance product collection selected according to the information of the selectable insurance products;
the payment information acquisition module is used for acquiring payment information of the first collection of insurance products from a payment server and storing the payment information and the first collection of insurance products to the terminal;
a purchase confirmation request receiving module, configured to receive a purchase confirmation request sent by the terminal, where the purchase confirmation request carries payment parameters, and the payment parameters include at least one of a successful payment identifier, an insurance product identifier of the first collection insurance product, and an insured person identifier;
and the insurance policy escrow module is used for generating an insurance policy according to the payment success identification, the insurance product identification and the insured identification, sending the insurance policy to the terminal and sending the insurance policy to an escrow server for storage.
A computer device comprising a memory and a processor, the memory storing a computer program operable on the processor, the processor implementing the steps in the various method embodiments described above when executing the computer program.
A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the respective method embodiment described above.
The insurance policy information data processing method, the insurance policy information data processing device, the computer equipment and the storage medium are characterized in that a first insurance policy customization request sent by a receiving terminal is used, the first insurance policy customization request carries insurance policy customization parameters, the insurance policy customization parameters comprise insurance policy maker identification, insured information and intention risk type information, the risk evaluation guarantee coefficient is evaluated from a risk evaluation server according to the insurance policy maker identification, optional insurance product information is matched from a product library server according to the insured information, the intention risk evaluation guarantee coefficient, the optional insurance product information is sent to the terminal, a second insurance policy customization request sent by the receiving terminal is received, the second insurance policy customization request carries target insurance products selected according to the optional insurance product information, and an insurance policy customization report is generated according to the insured information and the product information of the target insurance products, and sending the policy customization report to the terminal. The insurance policy customizing report meeting the real requirements of the user can be provided rapidly for different users through the scheme, the users can screen different purchasing schemes through the insurance policy customizing report, and finally select proper insurance products, so that the recommendation efficiency and accuracy of the insurance products are improved.
Drawings
FIG. 1 is a diagram of an application scenario of a policy information data processing method according to an embodiment;
FIG. 2 is a flow diagram illustrating a method for processing policy information data according to an embodiment;
FIG. 3 is a flowchart illustrating a method for processing policy information data according to another embodiment;
FIG. 4 is a flowchart illustrating a method for processing policy information data according to another embodiment;
FIG. 5 is a flowchart illustrating a policy information data processing method according to still another embodiment;
FIG. 6 is a flowchart illustrating a method for processing policy information data according to yet another embodiment;
FIG. 7 is a block diagram of an embodiment of a policy information data processing apparatus;
FIG. 8 is a diagram illustrating an internal structure of a computer device according to an embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.
The policy information data processing method provided by the application can be applied to the application environment shown in fig. 1. Fig. 1 is an application environment diagram of the policy information data processing method in one embodiment. As shown in fig. 1, the application environment includes a terminal 110 and a server 120, where the server includes a backend server 121, a risk assessment server 122, a product library server 123, a hosting server 124, and a payment server 125, and the terminal and the servers communicate with each other through a network, and the communication network may be a wireless or wired communication network, such as an IP network, a cellular mobile communication network, and the like, where the number of the terminal and the servers is not limited.
The terminal may be, but is not limited to, various personal computers, notebook computers, smart phones, tablet computers, and portable wearable devices. The server may be implemented as a stand-alone server or as a server cluster consisting of a plurality of servers. The background server 121 receives a first insurance policy customization request sent by the terminal 110, the first insurance policy customization request carries insurance policy customization parameters, the insurance policy customization parameters comprise insurance policy customizer identification, insured information and intention risk category information, the background server 121 obtains risk evaluation guarantee coefficients from the risk evaluation server 122 according to the insurance policy customizer identification, matches optional insurance product information from the product library server 123 according to the insured information, the intention risk category information and the risk evaluation guarantee coefficients, and sends the optional insurance product information to the terminal 110. The background server 121 receives a second policy customization request sent by the terminal 110, the second policy customization request carries a target insurance product selected according to the information of the selectable insurance product, and the background server 121 generates a policy customization report according to the information of the insured person and the product information of the target insurance product and sends the policy customization report to the terminal 110. By quickly providing the insurance policy customizing report meeting the real requirements of the user, the user can screen different purchasing schemes through the insurance policy customizing report, finally select a proper insurance product, and the recommendation efficiency and accuracy of the insurance product are improved.
In one embodiment, as shown in fig. 2, a policy information data processing method is provided, which is described by taking the application of the method to the server and the terminal in fig. 1 as an example, and includes the following steps:
The system comprises a background server, a server and a policy making server, wherein the background server receives a first policy customization request sent by a terminal, the background server is used for processing related information data of the current policy customization, and the first policy customization request is information related to the current policy customization and comprises policy customization parameters. The policy customization parameters include at least policy customizer identification, insured information, and intended risk category information. Insured information refers to information relevant to the insured in the current policy making, such as insured identification, insured age, insured birth date, etc., and intended risk category information is information relevant to the risk category intended by the policy making person making the current policy making, such as including but not limited to one or more of accident, stress, endowment, life, etc. risk categories. It should be understood that there may be a plurality of insureds in the policy making process, and the policy maker may be one of the insureds.
And step 220, acquiring a risk evaluation guarantee coefficient from a risk evaluation server according to the policy customizing person identifier.
And the risk evaluation server stores the risk evaluation guarantee coefficients corresponding to the policy customization person identifications one to one. The risk evaluation guarantee coefficient is a numerical value capable of reflecting the risk guarantee degree of the current policy customization person, and comprises a current risk level, a current guarantee requirement degree, a current economic capability and the like, for example, if the risk evaluation guarantee coefficient is less than 60, the guarantee of the current policy customization person on the current policy customization person is weak, the guarantee risk is large, the guarantee requirement is large, the economic bearing capability is normally low, and the like. And the risk evaluation server is used for providing test data to the terminal, processing the test data according to the identifier of the tested person and the test result fed back by the terminal to obtain a risk test guarantee coefficient, and storing the identifier of the tested person and the risk evaluation guarantee coefficient. Specifically, the tested person identification corresponds to the risk evaluation guarantee coefficient one by one, and the tested person identification has uniqueness, such as the mobile phone number, the unique ID number, the identification number and the like of the tested person,
and step 230, matching optional insurance product information from a product library server according to the insured information, the intention risk category information and the risk assessment guarantee coefficient, and sending the optional insurance product information to a terminal.
Wherein, the product base server stores the related information of different insurance products, at least including insurance product name, insurance company, insurance clause, guarantee project, etc., the guarantee project can include specific premium, guarantee time, etc., the optional insurance product information is matched from the product base server according to the insured information, the intention risk category information and the risk evaluation guarantee coefficient, concretely, the optional insurance product information is that the server screens out the insurance products which meet the requirements of the current customizer and are suitable for different insureds according to different persons and different risk categories, it can be understood that the insureds of different age groups are the current customizers with different insurance requirements and different risk evaluation guarantee coefficients also have different insurance requirements, the server filters most insurance products through big data processing, screening out proper insurance products, and sending selectable insurance product information to a terminal, wherein the selectable insurance product information at least comprises one or more of insurance product names, insurance companies, insurance clauses and guarantee items (premium, premium and guarantee period).
In one embodiment, after the information of the selectable insurance product is sent to the terminal, a change instruction sent by the terminal can be received, the change instruction at least comprises a guarantee item change instruction, the guarantee item change instruction carries change parameter information, the change parameter information comprises parameter information such as changed premium, changed guarantee period, changed payment mode and the like, and the background server updates and matches the information of the selectable insurance product from the product library server according to the change parameter information.
Wherein the second policy customization request is confirmed product information related to the current policy customization, and includes a target insurance product selected from the selectable insurance product information, and insurance product information of the target insurance product.
And 250, generating a policy customization report according to the insured information and the product information of the target insurance product, and sending the policy customization report to the terminal.
Wherein the policy customization report is an insurance product purchase scheme summarized according to the relevant information data of the insured and the target insurance products. The policy customization report comprises product list collection, guarantee collection, premium collection and product collection, wherein the guarantee collection at least comprises guarantee collection of different insureds and guarantee collection of different risk categories.
In this embodiment, by receiving a first policy customization request sent by a terminal, where the first policy customization request carries policy customization parameters, and the policy customization parameters include a policy customizer identifier, insured information, and intended risk category information, matching the information of the optional insurance products from the product library server according to the insurance policy customizer identification, the risk evaluation guarantee coefficient from the risk evaluation server, the insured information, the intention risk category and the risk evaluation guarantee coefficient, and sending the information of the selectable insurance products to the terminal, receiving a second insurance policy customization request sent by the terminal, wherein the second insurance policy customization request carries the target insurance products selected according to the information of the selectable insurance products, and generating a policy customization report according to the insured person information and the product information of the target insurance product, and sending the policy customization report to the terminal. The insurance policy customizing report meeting the real requirements of the user can be provided rapidly for different users through the scheme, the users can screen different purchasing schemes through the insurance policy customizing report, and finally select proper insurance products, so that the recommendation efficiency and accuracy of the insurance products are improved.
In one embodiment, as shown in fig. 3, there is provided a policy information data processing method, further comprising the steps of:
and 310, receiving a policy association request sent by the terminal, wherein the policy association request carries an insured identification.
Wherein, the policy association request is a request for obtaining the managed policy corresponding to the insured. The managed insurance policy refers to an insurance policy stored in the managed server, and may be an insurance policy of an electronic file, or related insurance data uploaded according to an insurance policy of a paper file, and it can be understood that the managed insurance policy includes managed insured information such as the name and age of the managed insured, and managed insurance product information of related insurance products purchased by the managed insured such as premium, guarantee period and insurance products.
At step 320, the insurable's hosting insurance policy is obtained from the hosting server according to the insurable's identity.
Specifically, a managed insurance policy corresponding to the insured is obtained from the managed server according to the insured identification, the managed insurance policy at least comprises information of the insured and managed insurance product, and the managed insurance product information comprises the premium, the guarantee period and the like.
And 330, integrating the policy making report and the managed policy, generating an integrated policy making report, and sending the integrated policy making report to a terminal.
The integration is to fuse data in the policy customization report and data in the managed policy, and specifically, may perform a combination calculation of the amount and premium in the managed policy and the policy customization report, a statistical calculation of the number of policies, and the like. The manner of combining calculations includes, but is not limited to, addition, subtraction, multiplication, and division. The integrated policy customization report is a new purchase scheme generated after data in the policy customization report and data in the managed policy are fused. In one embodiment, for example, where the amount of a policy customization report is 50 thousand, the amount of a policy in the managed policy is 20 thousand, and the amount of the policy in the corresponding integrated policy customization report is automatically calculated to be 30 thousand, i.e., to calculate a data value that meets the actual needs of the insured life.
In this embodiment, by acquiring the escrow policy of the insured, and integrating the escrow policy with the policy customization report, the obtained integrated policy customization report can better reflect the real requirements of the insured, the insurance products in the purchase scheme in the integrated policy customization report can better meet the real requirements of the customizer, and the more accurate purchase scheme and insurance products can be recommended through the integrated policy customization report.
In one embodiment, as shown in fig. 4, there is provided a policy information data processing method, after step 230, the method further includes the following steps:
and step 410, receiving a first insurance product collection request sent by the terminal, wherein the first insurance product collection request carries the first collection insurance products selected according to the selectable insurance product information.
Wherein the first collection insurance product request is a request to store the first collection insurance product in a manner of being added to the shopping cart according to the selected insurance product in the selectable insurance product information. The first collection of insurance products includes at least one or more of an insurance product identifier, an insurance product name, and an insured identification.
The information to be paid is related payment information for paying the first collection of insurance products, and the payment information comprises a payment mode, payment amount and the like. Specifically, the background processing server acquires the payment amount and the payment mode corresponding to the insurance product identifier from the payment server according to the insurance product identifier of the first collection of insurance products. For example, the payment amount may be a premium amount for the first collection of insurance products, and the payment may include, but is not limited to, WeChat payment, Payment, Unionpay.
And 430, receiving a confirmation purchase request sent by the terminal, wherein the confirmation purchase request carries payment parameters, and the payment parameters comprise at least one of a successful payment identifier, an insurance product identifier of the first collection insurance product and an insured life identifier.
And step 440, generating a policy according to the payment success identifier, the insurance product identifier and the insured life identifier, sending the policy to a terminal, and sending the policy to a hosting server for storage.
In the embodiment, the first collected insurance products selected by the background server from the selectable insurance products matched with the product library server are stored in the terminal in a shopping cart adding mode, a purchase confirmation request is triggered on the terminal, the insurance policy is generated after payment is successful, the insurance policy is stored in the escrow server for escrow storage, the requirement of a customizer for purchasing the insurance products can be met, the insurance policy is stored in the escrow server on line, the customizer can check and manage the insurance policy conveniently, and the management efficiency of the insurance policy is improved.
In one embodiment, as shown in FIG. 5, step 220 further comprises:
and step 221, acquiring the identifier of the person to be evaluated from the risk evaluation server.
The risk assessment server stores the identification of the person to be assessed who participates in the risk assessment, corresponding test result data and risk assessment guarantee coefficients. The identification of the person to be evaluated corresponds to the test result data one by one, and the test result data corresponds to the risk evaluation guarantee coefficient. The risk evaluation guarantee coefficient is a numerical value obtained by calculating and processing test result data by the risk evaluation server.
The customized identification and the identification of the person to be evaluated can be information which can identify the identities of the customized person and the person to be evaluated, such as a mobile phone number, a unique ID number, an identity card number and the like. The successful matching means that the customized person identification and the evaluated person identification can be correspondingly matched. For example, if the customizer identifier is 123 and the evaluated person identifier 123 also exists in the evaluated person identifier, it is considered that the match between the customizer identifier and the evaluated person identifier is successful. And after the matching is successful, the risk evaluation guarantee coefficient corresponding to the customizer can be obtained.
The matching failure means that corresponding data which is the same as the customized person identification does not exist in the evaluated person identification. For example, if the customizer identifier is 123 and the evaluated person identifier 123 does not exist in the evaluated person identifier, it is determined that the match between the customizer identifier and the evaluated person identifier fails. The risk assessment server stores test data for providing risk guarantee tests for the person to be assessed, the test data can be question information in the form of some choice questions, and test result data can be obtained through checking by the person to be assessed.
And step 225, receiving the risk evaluation guarantee coefficient corresponding to the customized person identifier generated by the risk evaluation server according to the test result data.
When the matching between the customized person identification and the identification of the person to be evaluated fails, the customized person is not involved in the risk evaluation guarantee test, the given person provides the risk test by acquiring the test data of the risk evaluation server to obtain the test result data, and the customized person identification and the test result data of the customized person involved in the test are sent to the risk evaluation server for analysis and calculation processing, so that the risk evaluation guarantee coefficient corresponding to the customized person can be obtained.
In this embodiment, by obtaining the risk evaluation guarantee coefficient corresponding to the customizer, when the optional insurance product information is matched in the product library server, the insurance product more meeting the requirements of the customizer is matched, and the accuracy of insurance product recommendation is improved.
In one embodiment, as shown in fig. 6, the method further comprises:
The second collection insurance product request is a request for saving the second collection insurance product in a shopping cart mode according to the insurance product selected by the target insurance product corresponding to the customized report. The second collection of insurance products includes at least one or more of an insurance product identifier, an insurance product name, and an insured identification.
And step 520, obtaining information to be paid of the second collection of insurance products from a payment server, and sending the information to be paid and the second collection of insurance products to the terminal.
The information to be paid is related payment information for paying the second collection of insurance products, and the payment information comprises a payment mode, payment amount and the like. Specifically, the background processing server acquires the payment amount and the payment mode corresponding to the insurance product identifier from the payment server according to the insurance product identifier of the second collection of insurance products. For example, the payment amount may be a premium amount for the second collection of insurance products, and the payment may include, but is not limited to, WeChat payment, Payment, Unionpay.
And 540, generating a policy according to the payment success identifier, the insurance product identifier of the second collection insurance product and the insured identification, storing the policy to the terminal, and sending the policy to a hosting server for storage.
In the embodiment, the insurance products selected according to the target insurance products corresponding to the customization reports are stored in the terminal in a shopping cart adding mode, a purchase confirmation request is triggered on the terminal, the insurance policy is generated after payment is successful, the insurance policy is stored in the hosting server for hosting and storing, the requirement of a customization person for purchasing the insurance products can be met, the insurance policy is stored in the hosting server on line, the customization person can check and manage the insurance policy conveniently, and the management efficiency of the insurance policy is improved.
It should be understood that although the various steps in the flow charts of fig. 2-6 are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least some of the steps in fig. 2-6 may include multiple sub-steps or multiple stages that are not necessarily performed at the same time, but may be performed at different times, and the order of performance of the sub-steps or stages is not necessarily sequential, but may be performed in turn or alternating with other steps or at least some of the sub-steps or stages of other steps.
In one embodiment, as shown in fig. 7, there is provided a policy information data processing apparatus including: a first policy customization request receiving module 710, a risk evaluation support coefficient obtaining module 720, a matching module 730, a second policy customization request receiving module 740, and a policy customization report generating module 750, wherein:
the first policy customization request receiving module 710 receives a first policy customization request sent by a terminal, where the first policy customization request carries policy customization parameters, and the policy customization parameters include a policy customizer identifier, insured information, and intention risk category information.
And the risk evaluation support coefficient acquisition module 720 is used for acquiring a risk evaluation support coefficient from the risk evaluation server according to the policy customization person identifier.
And the matching module 730 is used for matching optional insurance product information from the product library server according to the insured information, the intention risk category information and the risk evaluation guarantee coefficient and sending the optional insurance product information to a terminal.
A second policy customization request receiving module 740, configured to receive a second policy customization request sent by the terminal, where the second policy customization request carries a target insurance product selected according to the information of the selectable insurance product.
And the policy customization report generating module 750 is configured to generate a policy customization report according to the insured information and the product information of the target insurance product, and send the policy customization report to the terminal.
In one embodiment, the apparatus further comprises a policy association request receiving module, a policy obtaining module, and a data integration module, wherein:
a policy association request receiving module, configured to receive a policy association request sent by the terminal, where the policy association request carries an identifier of an insured;
the insurance policy acquisition module is used for acquiring the insurance policy of the insured from the hosting server according to the insured identification;
and the data integration module is used for integrating the insurance policy customization report and the managed insurance policy, generating an integrated insurance policy customization report and sending the integrated insurance policy customization report to the terminal.
In one embodiment, the apparatus further comprises a first collection insurance product request receiving module, a to-be-paid information obtaining module, a confirmation purchase request receiving module, and a policy hosting module, wherein:
and the first insurance product collection request receiving module is used for receiving a first insurance product collection request sent by the terminal, wherein the first insurance product collection request carries a first insurance product collection selected according to the information of the selectable insurance products.
And the information to be paid acquisition module is used for acquiring the information to be paid of the first collection of insurance products from a payment server and storing the information to be paid and the first collection of insurance products to the terminal.
And the purchase confirmation request receiving module is used for receiving a purchase confirmation request sent by the terminal, wherein the purchase confirmation request carries payment parameters, and the payment parameters comprise at least one of a successful payment identifier, an insurance product identifier of the first collection insurance product and an insured person identifier.
And the insurance policy escrow module is used for generating an insurance policy according to the payment success identification, the insurance product identification and the insured identification, sending the insurance policy to the terminal and sending the insurance policy to an escrow server for storage.
For specific limitations of the policy information data processing device, reference may be made to the above limitations of the policy information data processing method, which are not described herein again. The modules in the policy information data processing device can be wholly or partially realized by software, hardware and a combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.
In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as shown in fig. 8. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer device is used for storing video related data. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a policy information data processing method.
Those skilled in the art will appreciate that the architecture shown in fig. 8 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
In one embodiment, there is provided a computer device comprising a memory storing a computer program and a processor implementing the following steps when the processor executes the computer program: receiving a first policy customization request sent by a terminal, wherein the first policy customization request carries policy customization parameters, and the policy customization parameters comprise policy customizer identification, insured information and intention risk category information. And acquiring a risk evaluation guarantee coefficient from a risk evaluation server according to the policy customizer identification, matching optional insurance product information from a product library server according to the insured information, the intention risk category information and the risk evaluation guarantee coefficient, and sending the optional insurance product information to a terminal. And receiving a second insurance policy customization request sent by the terminal, wherein the second insurance policy customization request carries the target insurance product selected according to the information of the selectable insurance product. And generating a policy customization report according to the insured information and the product information of the target insurance product, and sending the policy customization report to the terminal.
In one embodiment, a computer-readable storage medium is provided, having a computer program stored thereon, which when executed by a processor, performs the steps of: receiving a first policy customization request sent by a terminal, wherein the first policy customization request carries policy customization parameters, and the policy customization parameters comprise policy customizer identification, insured information and intention risk category information. And acquiring a risk evaluation guarantee coefficient from a risk evaluation server according to the policy customizer identification, matching optional insurance product information from a product library server according to the insured information, the intention risk category information and the risk evaluation guarantee coefficient, and sending the optional insurance product information to a terminal. And receiving a second insurance policy customization request sent by the terminal, wherein the second insurance policy customization request carries the target insurance product selected according to the information of the selectable insurance product. And generating a policy customization report according to the insured information and the product information of the target insurance product, and sending the policy customization report to the terminal.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), synchronous link (Synchlink), DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).
The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.
Claims (10)
1. A policy information data processing method, the method comprising:
receiving a first policy customization request sent by a terminal, wherein the first policy customization request carries policy customization parameters, and the policy customization parameters comprise policy customizer identification, insured information and intention risk category information;
acquiring a risk evaluation guarantee coefficient from a risk evaluation server according to the policy customizing person identifier;
matching optional insurance product information from a product library server according to the insured information, the intention risk category information and the risk evaluation guarantee coefficient, and sending the optional insurance product information to a terminal;
receiving a second insurance policy customization request sent by the terminal, wherein the second insurance policy customization request carries a target insurance product selected according to the information of the selectable insurance product;
and generating a policy customization report according to the insured information and the product information of the target insurance product, and sending the policy customization report to the terminal.
2. The method of claim 1, further comprising:
receiving a policy association request sent by the terminal, wherein the policy association request carries an insured identification;
acquiring an insurance policy of the insured from an insurance server according to the insured identification;
and integrating the policy customization report and the managed policy to generate an integrated policy customization report, and sending the integrated policy customization report to the terminal.
3. The method of claim 1, wherein after the step of sending the optional insurance product information to the terminal, further comprising:
receiving a first insurance product collection request sent by the terminal, wherein the first insurance product collection request carries a first collection insurance product selected according to the selectable insurance product information;
acquiring information to be paid of the first collection of insurance products from a payment server, and storing the information to be paid and the first collection of insurance products to the terminal;
receiving a confirmation purchase request sent by the terminal, wherein the confirmation purchase request carries payment parameters, and the payment parameters comprise at least one of a successful payment identifier, an insurance product identifier of the first collection insurance product and an insured life identifier;
and generating a policy according to the payment success identification, the insurance product identification and the insured life identification, sending the policy to the terminal, and sending the policy to a hosting server for storage.
4. The method according to claim 1, wherein said step of obtaining risk assessment assurance coefficients from said risk assessment server based on said policy-customized person identification further comprises:
acquiring an identifier of a person to be evaluated from a risk evaluation server;
when the customized person identification is successfully matched with the evaluated person identification, acquiring the corresponding risk evaluation guarantee coefficient from the risk evaluation server according to the evaluated person identification;
when the matching between the customized person identification and the tested person identification fails, test data are obtained from the risk evaluation server, and the test data are sent to the terminal;
receiving test result data sent by the terminal, and sending the test result data and the customized person identifier to the risk assessment server;
and receiving the risk evaluation guarantee coefficient corresponding to the customized person identification generated by the risk evaluation server according to the test result data.
5. The method according to claim 1, wherein the step of generating a policy customization report based on the insured information and the product information of the target insurance product and sending the policy customization report to the terminal further comprises:
receiving a second insurance product collection request sent by the terminal, wherein the second insurance product collection request carries a second collection insurance product selected according to the target insurance product corresponding to the customization report;
acquiring information to be paid of the second collection of insurance products from a payment server, and sending the information to be paid and the second collection of insurance products to the terminal;
receiving a confirmation purchase request sent by the terminal, wherein the confirmation purchase request carries payment parameters, and the payment parameters comprise at least one of a successful payment identifier, an insurance product identifier of the second collection insurance product and an insured life identifier;
and generating a policy according to the payment success identification, the insurance product identification of the second collected insurance product and the insured identification, storing the policy to the terminal, and sending the policy to an escrow server for storage.
6. A policy information data processing apparatus, characterized in that the apparatus comprises:
the system comprises a first policy customization request receiving module, a first policy customization request receiving module and a first policy customization processing module, wherein the first policy customization request is sent by a terminal and carries policy customization parameters, and the policy customization parameters comprise policy customizer identification, insured information and intention risk category information;
the risk evaluation support coefficient acquisition module is used for acquiring a risk evaluation support coefficient from the risk evaluation server according to the policy customization person identification;
the matching module is used for matching optional insurance product information from a product library server according to the insured information, the intention risk category information and the risk evaluation guarantee coefficient and sending the optional insurance product information to a terminal;
a second policy customization request receiving module, configured to receive a second policy customization request sent by the terminal, where the second policy customization request carries a target insurance product selected according to the information of the selectable insurance product;
and the insurance policy customization report generating module is used for generating an insurance policy customization report according to the insured information and the product information of the target insurance product and sending the insurance policy customization report to the terminal.
7. The policy information data processing apparatus according to claim 6, wherein said apparatus further comprises:
a policy association request receiving module, configured to receive a policy association request sent by the terminal, where the policy association request carries an identifier of an insured;
the insurance policy acquisition module is used for acquiring the insurance policy of the insured from the hosting server according to the insured identification;
and the data integration module is used for integrating the insurance policy customization report and the managed insurance policy, generating an integrated insurance policy customization report and sending the integrated insurance policy customization report to the terminal.
8. The policy information data processing apparatus according to claim 6, wherein said apparatus further comprises:
the first insurance product collection request receiving module is used for receiving a first insurance product collection request sent by the terminal, wherein the first insurance product collection request carries a first insurance product collection selected according to the information of the selectable insurance products;
the payment information acquisition module is used for acquiring payment information of the first collection of insurance products from a payment server and storing the payment information and the first collection of insurance products to the terminal;
a purchase confirmation request receiving module, configured to receive a purchase confirmation request sent by the terminal, where the purchase confirmation request carries payment parameters, and the payment parameters include at least one of a successful payment identifier, an insurance product identifier of the first collection insurance product, and an insured person identifier;
and the insurance policy escrow module is used for generating an insurance policy according to the payment success identification, the insurance product identification and the insured identification, sending the insurance policy to the terminal and sending the insurance policy to an escrow server for storage.
9. A computer device comprising a memory and a processor, the memory storing a computer program, wherein the processor implements the steps of the method of any one of claims 1 to 5 when executing the computer program.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 5.
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| CN201811570104.0A CN111353899A (en) | 2018-12-21 | 2018-12-21 | Policy information data processing method and device, computer equipment and storage medium |
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| CN201811570104.0A CN111353899A (en) | 2018-12-21 | 2018-12-21 | Policy information data processing method and device, computer equipment and storage medium |
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