CN111429248A

CN111429248A - Order issuing method and device for non-real-time insurance service

Info

Publication number: CN111429248A
Application number: CN202010113377.3A
Authority: CN
Inventors: 秦亭亭; 郭寰宇; 吴振娟
Original assignee: Taikang Life Insurance Co ltd; Taikang Insurance Group Co Ltd
Current assignee: Taikang Life Insurance Co ltd; Taikang Insurance Group Co Ltd
Priority date: 2020-02-24
Filing date: 2020-02-24
Publication date: 2020-07-17

Abstract

The invention provides a method, a device, computer equipment and a computer readable storage medium for issuing an order of a non-real-time insurance service, which comprise the following steps: the bank insurance system receives the insurance information and the image file of the non-real-time insurance service, sends the insurance information to the underwriting system and sends the image file to the image system; the insurance policy system or the bank insurance communication system obtains insurance policy state information according to the insurance application information, the image file and the first insurance operation information; the bank insurance system or the underwriting system displays the policy state information. The invention can transmit the insurance information and the image file on line through the bank insurance system, the underwriting system and the image system, and transmit the insurance policy state information generated according to the underwriting operation information in real time between the bank insurance system and the underwriting system, thereby realizing real-time interaction and synchronization between the bank outlets and the insurance company, improving the efficiency and timeliness of non-real-time insurance application business and improving the use experience of users.

Description

Order issuing method and device for non-real-time insurance service

Technical Field

The invention belongs to the technical field of computers, and particularly relates to a method and a device for issuing an order of a non-real-time insurance service, computer equipment and a computer readable storage medium.

Background

The bank insurance business is a business that a financial institution cooperates with an insurance company, and a customer can simply and conveniently purchase insurance products of the insurance company through a bank branch point, and the bank insurance business has the advantages of low cost, safety, reliability, convenience in purchase and the like, so that the bank insurance business is gradually accepted and valued by people.

In the prior art, a client applies for an insurance application service at a bank outlet, an insurance company checks an insurance verification rule aiming at the insurance application service, returns a specified error code for the insurance application service which does not conform to a real-time insurance application rule and needs to be manually verified, and confirms that the insurance application service executes a non-real-time insurance application rule after a bank party receives error code information, wherein the specific steps are as follows: the customer fills in the insurance information in the bank outlet; the bank outlets input the insurance information of the clients and send the insurance documents filled by the clients, client certificates and other data images to the insurance company offline by applying for non-real-time insurance transaction; after receiving the insurance information and the image data, the insurance company records the order and manually checks and guarantees; after the insurance company manually checks and guarantees, the non-real-time insurance policy checking and guaranteeing state is transmitted to the bank; the bank obtains the non-real-time insurance policy state, completes the insurance application business according to the state of the insurance policy, and feeds back the business state to the insurance company.

However, in the current scheme, for the non-real-time insurance application service, because the non-real-time insurance application service data and information between the bank network point and the insurance company adopt an offline transmission mode, real-time interaction and synchronization of data between the bank network point and the insurance company cannot be realized, so that the non-real-time insurance application service has low efficiency and poor timeliness, and the use experience of a user is reduced.

Disclosure of Invention

In view of the above, the present invention provides a method, an apparatus, a computer device and a computer readable storage medium for issuing an order of a non-real-time insurance service, which solve the problems that when a bank branch and an insurance company process a non-real-time insurance application service in the current scheme, real-time interaction and synchronization of data between the bank branch and the insurance company cannot be realized, so that the efficiency of the non-real-time insurance application service is low, the timeliness is poor, and the user experience is reduced.

According to a first aspect of the present invention, there is provided a method for issuing an order of a non-real-time insurance service, the method being applied to a service system, the service system comprising: silver guarantor system, underwriting system and image system include:

under the condition that the bank insurance system receives application information of a non-real-time insurance service, receiving application information and an image file of the non-real-time insurance service, sending the application information to the underwriting system, and sending the image file to the image system;

the image system receives and displays the image file;

under the condition that the underwriting system or the bank insurance system acquires first underwriting operation information aiming at the insuring information and the image file, acquiring policy state information aiming at the non-real-time insurance service according to the insuring information, the image file and the first underwriting operation information;

and the bank insurance system or the underwriting system displays the policy state information to finish the policy issuing operation of the non-real-time insurance service.

According to a second aspect of the present invention, there is provided an ordering apparatus for non-real-time insurance services, the apparatus being applied to a service system, the service system comprising: the bank insurance leads to system, underwriting system and image system, and the device can include:

the first receiving module is used for receiving the application information of the non-real-time insurance business and the image file by the bank insurance communication system under the condition that the application information of the non-real-time insurance business is received, sending the application information to the underwriting system and sending the image file to the image system;

the second receiving module is used for receiving and displaying the image file by the image system;

the first generation module is used for obtaining insurance policy state information aiming at the non-real-time insurance service according to the insurance information, the image file and the first underwriting operation information under the condition that the underwriting system or the bank insurance system obtains the first underwriting operation information aiming at the insurance information and the image file;

and the third receiving module is used for displaying the policy state information by the bank insurance system or the underwriting system to complete the policy issuing operation of the non-real-time insurance service.

Optionally, the underwriting system includes an application information server, and the first generating module includes:

the first receiving submodule is used for receiving the application information by the underwriting system and storing the application information in the application information server;

the first generation submodule is used for generating first input information according to the image file and the application information under the condition that the first underwriting operation information is received by the underwriting system, and sending the first input information to the bank protection communication system;

the first operation sub-module is used for receiving the first input information by the bank protection and communication system and carrying out primary verification operation on the first input information according to a preset first verification rule;

the second generation submodule is used for generating the policy state information which is passed by the primary underwriting operation by the bank security system under the condition that the primary underwriting operation is passed, and sending the policy state information to the underwriting system;

the second operation submodule is used for the silver insurance communication system to carry out secondary insurance operation on the first input information according to a preset second insurance rule;

and the third generation submodule is used for generating the policy state information passed by the secondary underwriting operation by the bank security system under the condition that the secondary underwriting operation is passed, and sending the policy state information to the underwriting system.

Optionally, the first generating module may further include:

the fourth generation submodule is used for generating policy state information that the primary underwriting operation does not pass by the bank security system under the condition that the primary underwriting operation does not pass, and returning the policy state information and the first input information to the underwriting system;

the fifth generation submodule is used for storing the received first input information in the insurance application information server by the underwriting system, generating second input information according to the first input information and the modification operation information under the condition of receiving the modification operation information aiming at the first input information, and sending the second input information to the bank insurance system;

and the third operation submodule is used for the silver insurance system to perform the secondary insurance operation on the second input information according to the second insurance rule.

Optionally, the underwriting system further includes: the first generation module may further include:

the sixth generation submodule is used for generating policy state information that the secondary underwriting operation does not pass by the bank security system under the condition that the secondary underwriting operation does not pass, and sending the policy state information and the first input information to the underwriting system;

the second receiving submodule is used for receiving the policy state information and the first input information by the underwriting system and storing the first input information in the underwriting information server;

and the seventh generation submodule is used for generating policy state information aiming at the non-real-time insurance service according to the second underwriting operation information under the condition that the underwriting system receives the second underwriting operation information aiming at the first input information, and sending the policy state information to the bank protection system.

Optionally, the underwriting system further includes: the seventh generation submodule of the question information server includes:

the forwarding unit is used for the underwriting system to transfer the first input information from the underwriting information server to the problem information server;

and the first generation unit is used for transferring the first input information from the problem information server to the underwriting information server under the condition that the underwriting operation information aiming at the first input information is received by the underwriting system, generating insurance policy state information passing underwriting, and sending the insurance policy state information to the bank insurance communication system.

Optionally, the seventh generating sub-module may further include:

and the second generating unit is used for generating policy state information that the underwriting system fails to pass the underwriting under the condition that the reimbursement operation information is not received by the underwriting system, and sending the policy state information to the bank protection communication system.

Optionally, the apparatus further comprises:

the sending module is used for sending the contract-withdrawing application information to the underwriting system under the condition that the contract-withdrawing application information is received by the bank-insurance system;

the second generation module is used for generating confirmation contract withdrawing information aiming at the contract withdrawing application information by the underwriting system according to the contract withdrawing application information and sending the confirmation contract withdrawing information to the bank protection system;

and the fourth receiving module is used for receiving and displaying the confirmed contract-withdrawing information by the bank protection system and further completing the contract-withdrawing operation of the non-real-time insurance service.

In a third aspect, an embodiment of the present invention provides a computer device, where the computer device includes:

a memory for storing program instructions;

and the processor is used for calling the program instruction stored in the memory and executing the steps included in the non-real-time insurance business issuing method according to the obtained program instruction.

In a fourth aspect, an embodiment of the present invention provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when executed by a processor, the computer program implements the steps of the order issuing method for non-real-time insurance service according to the first aspect.

Aiming at the prior art, the invention has the following advantages:

the invention provides a method for issuing a bill of a non-real-time insurance service, which comprises the following steps: under the condition that the bank insurance system receives the application information of the non-real-time insurance service, receiving the application information and the image file of the non-real-time insurance service, sending the application information to the underwriting system, and sending the image file to the image system; the image system receives and displays the image file; under the condition that the first underwriting operation information aiming at the application information and the image file is obtained by the underwriting system or the bank insurance system, acquiring policy state information aiming at the non-real-time insurance service according to the application information, the image file and the first underwriting operation information; the bank insurance system or the underwriting system displays the insurance policy state information to finish the issuing operation of the non-real-time insurance service. The invention can transmit the insurance information and the image file of the non-real-time insurance service on line through the bank insurance communication system, the underwriting system and the image system, and transmit the insurance policy state information generated according to the underwriting operation information between the bank insurance communication system and the underwriting system in real time, thereby realizing the real-time interaction and synchronization of data and insurance policy processing results between the bank outlets and the insurance company, improving the efficiency and timeliness of the non-real-time insurance service and improving the use experience of users.

The foregoing description is only an overview of the technical solutions of the present invention, and the embodiments of the present invention are described below in order to make the technical means of the present invention more clearly understood and to make the above and other objects, features, and advantages of the present invention more clearly understandable.

Drawings

Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the invention. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:

FIG. 1 is a flowchart illustrating steps of a method for issuing an order for a non-real-time insurance service according to an embodiment of the present invention;

FIG. 2 is a flowchart illustrating interaction steps of a method for issuing an order for a non-real-time insurance service according to an embodiment of the present invention;

FIG. 3 is a flow chart illustrating the interaction steps of an order issuing method for non-real-time insurance services according to another embodiment of the present invention;

fig. 4 is a block diagram of an order issuing device for non-real-time insurance services according to an embodiment of the present invention.

Detailed Description

Exemplary embodiments of the present invention will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the invention are shown in the drawings, it should be understood that the invention can be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the invention to those skilled in the art.

Fig. 1 is a flowchart of steps of a method for issuing an order of a non-real-time insurance service according to an embodiment of the present invention, where the method is applied to a service system, and the service system includes: the method comprises the following steps of (1) a bank insurance system, an underwriting system and an image system, as shown in figure 1:

step 101, under the condition that the bank insurance system receives application information of non-real-time insurance service, the bank insurance system receives application information and image files of the non-real-time insurance service, sends the application information to the underwriting system, and sends the image files to the image system.

In this step, when a client needs to perform an insurance operation, a bank party can apply for real-time insurance at a bank branch through a bank insurance system, the bank insurance system verifies the real-time insurance according to a pre-stored self-checking rule, and for real-time insurance which does not accord with the self-checking rule, the bank insurance system determines that the service is a non-real-time insurance service, so that a specified error code is generated. After receiving the designated error code, the bank side shows whether to convert the designated error code into a non-real-time underwriting interface through a bank channel, and a customer selects whether to carry out non-real-time insurance on the service, if the customer selects to carry out non-real-time insurance, application information of the non-real-time insurance service is generated, and the application information of the non-real-time insurance service is sent to a bank insurance communication system.

For example, a customer applies for the application of 800 ten thousand × 5 year insurance product plans at a bank branch point, the application business exceeds the self-check rule of the bank insurance system, the annual fund type product wholesale, 3 year transaction and 5 year transaction expiry premium do not exceed 3000 ten thousand standards, therefore, the bank insurance system determines that the business does not conform to the self-check rule and needs to be converted into non-real-time insurance business, thereby blocking the error report and failing to make real-time invoice, and after asking the customer to approve the non-real-time application of the application process, the non-real-time insurance business operation is carried out.

The bank branch transmits the information of insurance applicant to the client in time, and the client can make insurance policy in time after receiving the insurance of the insurance company, thereby providing the client handling the insurance business at the bank branch with the agency insurance service.

In the embodiment of the invention, the bank insurance system can realize information interaction between a bank party and an insurance company business system and real-time transmission of insurance policy state information of non-real-time insurance business, wherein the insurance company business system comprises an insurance verification system and an image system, the insurance verification system is a core business system for performing insurance verification operation by an insurance company, the image system is a business system for storing and displaying image files related to the insurance business by the insurance company, and the image system can be an image integrated management system (ECM).

Specifically, if the bank insurance system receives application information of a non-real-time insurance service, the application of the user at the moment is indicated to carry out the non-real-time insurance service, and then application information and an image file of the non-real-time insurance service are received, and the application information is sent to the underwriting system and the image file is sent to the image system.

It should be noted that the insurance information may be information required for insurance business entered by the bank party, and the image file may include an insurance policy image, an applicant identity document image, an insurance face image, and the like generated by the bank party.

And 102, receiving and displaying the image file by the image system.

In the step, the image system receives and displays the image file sent by the bank protection system, so that the insurance operating personnel of the insurance company can record insurance policy information by checking the image file.

103, under the condition that the underwriting system or the bank insurance system acquires first underwriting operation information aiming at the insuring information and the image file, acquiring policy state information aiming at the non-real-time insurance service according to the insuring information, the image file and the first underwriting operation information.

In this step, an insurance operator of the insurance company can perform a first insurance operation on the non-real-time insurance service through the insurance system, and audit the non-real-time insurance service.

In the embodiment of the present invention, if the underwriting system acquires the first underwriting operation information for the application information and the image file, it indicates that an underwriting operator of the insurance company performs the first underwriting operation on the non-real-time insurance service through the underwriting system, and further, the policy state information for the non-real-time insurance service may be generated according to the received application information, the image file, and the first underwriting operation information.

Specifically, if the first underwriting operation information is underwriting operators of the insurance company, after the received application information and the image file are checked, and if the non-real-time insurance service can be underwritten, insurance policy state information for passing underwriting of the non-real-time insurance service is generated through an underwriting system; and if the non-real-time insurance service is determined to pass the refusal insurance, generating insurance policy state information which aims at the non-real-time insurance service and fails in the underwriting through the underwriting system.

It should be noted that, the non-real-time insurance service may also be audited in combination with various pre-stored or invoked underwriting rules of the bank insurance system, and if the non-real-time insurance service conforms to the underwriting rules, that is, it is determined that the non-real-time insurance service can be underwritten, the bank insurance system generates insurance policy state information for underwriting of the non-real-time insurance service; and if the non-real-time insurance service does not accord with the underwriting rule, namely the non-real-time insurance service is determined to be refused to be underwritten, generating insurance policy state information which aims at the non-real-time insurance service and fails in underwriting through the bank insurance system.

And 104, displaying the policy state information by the bank insurance system or the underwriting system, and finishing the policy issuing operation of the non-real-time insurance service.

In this step, according to step 103, if the underwriting system generates policy state information for the non-real-time insurance service, the underwriting system sends the policy state information to the bank insurance system, and the bank insurance system receives and displays the policy state information, so that an underwriting operator of an insurance company audits the non-real-time insurance service, and after determining an audit conclusion of the underwriting/refusing the non-real-time insurance service, the audit conclusion is sent to the bank insurance system in real time, so that a bank and a customer can quickly and conveniently know the policy state of the non-real-time insurance service, and meanwhile, a salesman can also inquire the policy state of the non-real-time insurance service in real time.

On the other hand, if the bank insurance system generates the policy state information aiming at the non-real-time insurance service, the bank insurance system sends the policy state information to the underwriting system, and the underwriting system receives and displays the policy state information, so that the bank insurance system audits the non-real-time insurance service through various underwriting rules, and after an audit conclusion of the non-real-time insurance service is determined, the audit conclusion is sent to the underwriting system in real time, so that banks, clients and insurance companies can quickly and conveniently know the policy state of the non-real-time insurance service, and meanwhile, sales personnel can inquire the policy state of the non-real-time insurance service in real time.

Further, after the bank side acquires the policy state of the non-real-time insurance business through the bank security system, the bank side carries out policy deduction on the non-real-time insurance business passing the underwriting, sends a new policy confirmation to the insurance company, and finally prints the policy. And when the account is checked, the insurance policy related information of the non-real-time insurance business and the insurance policy of the real-time insurance business are put in the same account checking file. For the insurance policy of the non-real-time insurance business, account checking is carried out by taking the insurance policy data for confirming payment as the standard, and when a bank party initiates a new policy confirmation transaction and definitely receives a response of successful transaction of an insurance company party, the insurance policy data is put into an account checking file.

In summary, the method for issuing an order of a non-real-time insurance service provided in the embodiment of the present invention includes: under the condition that the bank insurance system receives the application information of the non-real-time insurance service, receiving the application information and the image file of the non-real-time insurance service, sending the application information to the underwriting system, and sending the image file to the image system; the image system receives and displays the image file; under the condition that the first underwriting operation information aiming at the application information and the image file is obtained by the underwriting system or the bank insurance system, acquiring policy state information aiming at the non-real-time insurance service according to the application information, the image file and the first underwriting operation information; the bank insurance system or the underwriting system displays the insurance policy state information to finish the issuing operation of the non-real-time insurance service. The invention can transmit the insurance information and the image file of the non-real-time insurance service on line through the bank insurance communication system, the underwriting system and the image system, and transmit the insurance policy state information generated according to the underwriting operation information between the bank insurance communication system and the underwriting system in real time, thereby realizing the real-time interaction and synchronization of data and insurance policy processing results between the bank outlets and the insurance company, improving the efficiency and timeliness of the non-real-time insurance service and improving the use experience of users.

Fig. 2 is a flowchart illustrating interaction steps of a method for issuing an order of a non-real-time insurance service according to an embodiment of the present invention, where as shown in fig. 2, the method may include:

step 201, under the condition that the bank insurance system receives application information of a non-real-time insurance service, the bank insurance system receives application information and an image file of the non-real-time insurance service, sends the application information to the underwriting system, and sends the image file to the image system.

This step may specifically refer to step 101, which is not described herein again.

Step 202, the image system receives and displays the image file.

This step may specifically refer to step 102, which is not described herein again.

And 203, the underwriting system receives the application information and stores the application information in the application information server.

In the embodiment of the invention, the underwriting system comprises an application information server, and the application information server is used for storing the application information received by the underwriting system.

And 204, under the condition that the first underwriting operation information is received by the underwriting system, generating first input information according to the image file and the application information, and sending the first input information to the bank insurance communication system.

In this step, an insurance operator of the insurance company may perform a first insurance operation on the non-real-time insurance service in the insurance system to generate first insurance operation information, and generate first entry information according to the image file and the application information when the first insurance operation information is acquired.

Specifically, the first underwriting operation may be policy information entry performed after underwriting operators of the insurance company check image files of non-real-time insurance services, that is, image files such as a policy image, a policy identity document image, a policy face image and the like, through an image system, so as to generate first entry information.

Further, the first input information can be sent to a bank protection system, so that the bank protection system can audit the non-real-time insurance service according to various underwriting rules.

And step 205, the bank protection system receives the first input information, and performs one-time security verification operation on the first input information according to a preset first security verification rule.

In the step, the bank protection system receives first input information sent by the underwriting system, and performs one underwriting operation on the first input information according to a preset first underwriting rule.

It should be noted that the audit rule of the non-real-time insurance service may include: the first underwriting rule can comprise a filling rule and a selling rule, namely, one underwriting operation performed by the bank security system is to check whether the first input information meets the filling rule and the selling rule.

For example, if the one-time underwriting operation auditing result indicates that the insurance policy number in the first input information is wrongly filled, or the agency number in the first input information is wrongly filled, the one-time underwriting operation does not pass.

Further, if the one pass the underwriting operation, step 206 is executed, and if the one fail the underwriting operation, step 208 is executed.

And step 206, under the condition that the primary underwriting operation passes, the bank security system generates policy state information that the primary underwriting operation passes, and sends the policy state information to the underwriting system.

In this step, if one underwriting operation passes, the bank insurance system generates policy state information that the one underwriting operation passes, and sends the policy state information that the one underwriting operation passes to the underwriting system, so that the policy state of the non-real-time insurance service is realized, real-time transmission can be performed between the bank insurance system and the underwriting system, and the effects of real-time interaction and synchronization of data and policy processing results between the bank outlets and the insurance companies are achieved.

And step 207, performing secondary underwriting operation on the first input information by the bank insurance system according to a preset second underwriting rule.

In the step, the first input information passed by the first underwriting operation is subjected to secondary underwriting operation by the bank underwriting system according to a second underwriting rule.

In this embodiment of the present invention, the second underwriting rule may be an underwriting rule among the filling-in rule, the selling rule, and the underwriting rule.

Optionally, the business system may further include a business rule management system (I L OG) rule engine, where the secondary underwriting operation may call the I L OG rule engine for the bank security system, and perform the secondary underwriting operation on the first input information, because the insurance industry relates to a processing process of a large number of business rules, including underwriting rules, premium calculation rules, underwriting rules, approval batch rules, cost rules, claim approval rules, and the like, the I L OG rule engine is used for rule management, so that the business rules can be stripped from insurance applications, the business rules are easy to manage, a centralized rule base is used for management, business personnel can change the business rules individually, historical rules can be traced, the rules can be reused, and a new business release period can be shortened.

For example: and the secondary underwriting operation auditing result is that in the first input information, the insured person informs of abnormality, physical examination is required for the client, the physical health of the client is proved, and the secondary underwriting operation does not pass.

Further, if the secondary underwriting operation passes, step 211 is executed, and if the secondary underwriting operation does not pass, step 212 is executed.

And 208, under the condition that the primary underwriting operation does not pass, the bank security system generates policy state information that the primary underwriting operation does not pass, and returns the policy state information and the first input information to the underwriting system.

In this step, if one piece of underwriting operation fails, the bank security system generates policy state information that the one piece of underwriting operation fails, and returns the policy state information and the first entry information to the underwriting system. Therefore, the policy state of the non-real-time insurance business can be realized, the real-time transmission can be realized between the bank security system and the underwriting system, and the effects of real-time interaction and synchronization of data and policy processing results between the bank outlets and the insurance company are achieved.

And 209, the underwriting system stores the received first input information in the insurance application information server, generates second input information according to the first input information and the modification operation information under the condition of receiving the modification operation information aiming at the first input information, and sends the second input information to the bank insurance system.

In this step, the underwriting system receives first input information sent by the bank insurance system, and stores the first input information in the insurance information server, and because the first input information that one underwriting operation does not pass is an error that does not meet the filling rule and the selling rule, an underwriting operator of an insurance company can modify the first input information in the insurance information server, that is, under the condition that the underwriting system receives the modification operation information for the first input information, the underwriting system modifies the first input information according to the modification operation information to obtain second input information, and sends the modified second input information that overcomes the errors of the filling rule and the selling rule to the bank insurance system.

And step 210, the bank insurance communication system performs the secondary insurance operation on the second input information according to the second insurance rule.

In the step, the bank protection system receives the modified second input information sent by the underwriting system, and performs secondary underwriting operation on the second input information according to a second underwriting rule.

And step 211, in the case that the secondary underwriting operation passes, the bank security system generates policy state information that the secondary underwriting operation passes, and sends the policy state information to the underwriting system.

In this step, if the secondary underwriting operation passes, the bank security system generates policy state information that the secondary underwriting operation passes, and sends the policy state information that the secondary underwriting operation passes to the underwriting system, so that the policy state of the non-real-time insurance service is realized, real-time transmission can be performed between the bank security system and the underwriting system, and the effects of real-time interaction and synchronization of data and policy processing results between the bank outlets and the insurance company are achieved.

And 212, under the condition that the secondary underwriting operation does not pass, the bank security system generates policy state information that the secondary underwriting operation does not pass, and sends the policy state information and the first input information to the underwriting system.

In this step, if the secondary underwriting operation fails, the bank security system generates policy state information that the secondary underwriting operation fails, and returns the policy state information and the first entry information to the underwriting system. Therefore, the policy state of the non-real-time insurance business can be realized, the real-time transmission can be realized between the bank security system and the underwriting system, and the effects of real-time interaction and synchronization of data and policy processing results between the bank outlets and the insurance company are achieved.

And step 213, the underwriting system receives the policy state information and the first input information, and stores the first input information in the underwriting information server.

In the step, the underwriting system receives first input information sent by the bank insurance communication system, and stores the first input information in the insurance application information server.

If the underwriting system receives the second entry information generated in step 210, the step receives the second entry information sent by the bank security system, and stores the first entry information in the application information server.

And 214, under the condition that the underwriting system receives second underwriting operation information aiming at the first input information, generating policy state information aiming at the non-real-time insurance service according to the second underwriting operation information, and sending the policy state information to the bank insurance communication system.

In this step, in the underwriting system, an underwriting operator of the insurance company may perform a second underwriting operation on the first entry information of the non-real-time insurance service to generate second underwriting operation information, and when the second underwriting operation information is obtained, generate policy state information for the non-real-time insurance service according to the second underwriting operation information, and send the policy state information to the bank insurance system.

Specifically, the second underwriting operation may be an underwriting operator of the insurance company, the first input information is checked, and because the first input information has a problem that the first input information does not conform to the underwriting rule, the underwriting operator of the insurance company performs manual underwriting for the problem that the first input information does not conform to the underwriting rule, and determines to underwritten/refuse to underwrit the non-real-time insurance service.

For example, if the first entry information does not conform to the underwriting rule, the problem is that: the insured person informs abnormality and needs the client to check up and prove the physical health of the client, the underwriting operator of the insurance company carries out manual underwriting and can inform the client to carry out physical examination by issuing a physical examination notice, after the physical examination of the client, the underwriting second underwriting operation is carried out by checking a client physical examination report image if the client is healthy, second underwriting operation information is generated, the underwriting system generates insurance policy state information which the underwriting passes after receiving the second underwriting operation information, and the insurance policy state information is sent to the bank insurance system. And if the body of the client has disease hidden danger, performing second underwriting operation of refusing to underwriting to generate second underwriting operation information, generating policy state information of failing to underwriting after the underwriting system receives the second underwriting operation information, and sending the policy state information to the bank protection communication system.

Optionally, in a case that the underwriting system further includes a question information server, step 214 may specifically include:

substep 2141, the underwriting system transfers the first entered information from the underwriting information server to the problem information server.

In this step, the first input information is transferred from the underwriting information server to the problem information server by the underwriting system, the problem information server is used for storing the first input information of the non-real-time insurance service which does not pass the secondary underwriting operation, and an underwriting operator of an insurance company can check the non-real-time insurance service which does not pass the secondary underwriting operation at the problem information server and perform manual underwriting operation on the non-real-time insurance service which does not pass the secondary underwriting operation at the problem information server, so that the non-real-time insurance services in different policy states are separately stored, and the rapid positioning of the non-real-time insurance service which needs the manual underwriting operation by the underwriting operator of the insurance company is facilitated.

And a substep 2142, in the case that the underwriting system receives reimbursement operation information for the first input information, transferring the first input information from the problem information server to the underwriting information server, generating warranty state information that the underwriting passes, and sending the warranty state information to the bank insurance communication system.

In the step, the insurance operator of the insurance company carries out manual review on the first input information of the non-real-time insurance business in the problem information server, if the review result is that the problem of the first input information which does not accord with the insurance rule is solved, or the problem does not exist really, the first input information is subjected to reimbursement operation, the non-real-time insurance service is approved, that is, if the first input information is received by the underwriting system, it indicates that the underwriting operator of the insurance company determines that the first input information does not have the problem of being inconsistent with the underwriting rule after performing manual review, the first entry information is transferred from the problem information server to the underwriting information server, and generating the insurance policy state information passing the underwriting, and simultaneously sending the insurance policy state information to the bank insurance communication system.

For example, if the first entry information does not conform to the underwriting rule, the problem is that: the insured notifies the abnormity, needs the client to perform physical examination, proves the physical health of the client, and the insurance operator of the insurance company performs manual insurance check, can notify the client to perform physical examination by issuing a physical examination notice, and after the physical examination of the client, determines that the problem of the first input information which does not conform to the insurance rules is not real if the client is healthy, and then performs reimbursement operation on the first input information, and audits the non-real-time insurance business to generate insurance policy state information which passes the insurance policy.

Substep 2143, the underwriting system generates policy state information that underwriting fails under the condition that the reimbursement operation information is not received, and sends the policy state information to the bank protection communication system.

In this step, an insurance operator of the insurance company performs manual review on first input information of a non-real-time insurance service in a problem information server, if the review result is that the first input information does not conform to the issue of the insurance rule, the first input information is not reimbursed, and the review does not pass the non-real-time insurance service, that is, if the insurance system does not receive reimbursement operation information for the first input information, it indicates that the insurance operator of the insurance company performs manual review, and determines that the first input information does not conform to the issue of the insurance rule, and then generates insurance policy state information that the insurance policy passes, and sends the insurance policy state information to the bank insurance system.

For example, if the first entry information does not conform to the underwriting rule, the problem is that: the insured notifies the abnormity, the client is required to perform physical examination to prove the physical health of the client, the insurance operator of the insurance company performs manual insurance check, the client can be notified to perform physical examination by issuing a physical examination notice, after the physical examination of the client, the problem that the first input information does not conform to the insurance check class rule is determined to be really existing by checking the image of the client physical examination report, the first input information is not reimbursed, the non-real-time insurance service is not passed through the check, and the insurance policy state information that the insurance cannot pass through the check is generated.

Step 215, the bank insurance system or the underwriting system receives and displays the policy state information to complete the policy issuing operation of the non-real-time insurance service.

This step may specifically refer to step 104, which is not described herein again.

And step 216, the bank protection system sends the contract-withdrawing application information to the underwriting system under the condition that the contract-withdrawing application information is received.

In this step, the client can apply for the contract-withdrawing for the policy that the underwriting passes but the payment is not yet made, and if the bank protection system receives the contract-withdrawing application information and indicates that the client wants to perform the contract-withdrawing operation of the non-real-time insurance service through the bank branch, the bank protection system receives the contract-withdrawing application information and sends the contract-withdrawing application information to the underwriting system.

The title of the title withdrawal is that after the title is signed (i.e. the insurance is applied), there is a title withdrawal date, also called hesitation (generally within ten days), i.e. the client can give up the insurance unconditionally within the title withdrawal date, and the insurance company returns all the fees paid by the client.

And step 217, the underwriting system generates confirmation contract withdrawing information aiming at the contract withdrawing application information according to the contract withdrawing application information, and sends the confirmation contract withdrawing information to the bank protection system.

In this step, the underwriting system receives the contract-withdrawing application information sent by the bank-protecting system, if it is determined that the non-real-time insurance service corresponding to the contract-withdrawing application information conforms to a contract-withdrawing rule, the underwriting system generates confirmation contract-withdrawing information for the contract-withdrawing application information, confirms that the non-real-time insurance service can perform contract-withdrawing operation, and sends the confirmation contract-withdrawing information to the bank-protecting system.

And step 218, the bank insurance system receives and displays the confirmed contract withdrawing information, and further completes the contract withdrawing operation of the non-real-time insurance service.

In this step, the bank protection system receives and displays the affirmation contract-withdrawing information sent by the underwriting system, so that after the underwriting operator of the insurance company audits the non-real-time insurance service and determines the contract-withdrawing audit conclusion of the non-real-time insurance service to withdraw/refuse, the contract-withdrawing audit conclusion is sent to the bank protection system in real time, so that the bank and the client can quickly and conveniently know the contract-withdrawing audit conclusion of the non-real-time insurance service, and meanwhile, the salesperson can also inquire the contract-withdrawing audit conclusion of the non-real-time insurance service in real time.

In practical situations, referring to fig. 3, an interactive flowchart of another non-real-time insurance service ordering method provided by the embodiment of the present invention is shown, where the service system includes a bank security system (YBT), an I L OG rule engine, an insurance company two-core system (FE), and an insurance company ECM system, and a bank security entry pool, a bank security authentication pool, and a bank security issue handover pool are added in the FE system.

(1) And the bank insurance system receives and analyzes the bank message, transmits the image file to the ECM system, and transmits the insurance information to the bank insurance input pool of the FE system.

(2) And the FE underwriting personnel inputs insurance policy information by checking the image file in the ECM system and calls the non-real-time underwriting interface to submit the input information to the bank underwriting system.

(3) The bank protection system checks according to the received input information and the self-checking rule, the input information which does not pass through the self-checking can be sent to the bank protection input pool of the FE system again, and after being modified by FE underwriting personnel, the input information is submitted to the bank protection system again and checked according to the self-checking rule.

(4) For the recorded information passing through the self-checking, secondary underwriting can be carried out by calling the I L OG rule engine, the I L OG rule engine secondary underwriting checks the passed recorded information, and the state of the corresponding insurance policy is updated by the bank insurance system to obtain the conclusion of underwriting/refusing insurance.

(5) For the input information which is not passed by the secondary underwriting verification, an I L OG rule engine sends a rule engine rule violated by the input information to an FE system, a corresponding insurance policy is transferred into a silver insurance passing insurance pool from a silver insurance passing input pool, FE underwriters manually underwritten the insurance policy in the silver insurance passing insurance pool, concretely, the FE underwriters can issue the problem pieces in the silver insurance passing insurance pool to a silver insurance passing question handing pool, if the problem pieces are audited, a final conclusion is obtained, the problem pieces are reimbursed, and a conclusion of underwriting/refusing insurance is issued to the silver insurance passing system.

(6) For the insurance policy client who pays the fee through the bank insurance service, the bank insurance service system can apply for the contract-withdrawing through the bank insurance service system, the bank insurance service system calls the FE interface to withdraw, and FE insurance personnel can confirm the contract-withdrawing in the FE system, so that the contract-withdrawing of the insurance policy is completed.

Fig. 4 is a block diagram of an order issuing device for non-real-time insurance service according to an embodiment of the present invention, where the order issuing device for non-real-time insurance service is applied to a service system, and the service system includes: the bank insurance system, the underwriting system and the image system, as shown in fig. 4, the device may include:

the first receiving module 301 is configured to, under the condition that the bank insurance system receives application information of a non-real-time insurance service, receive application information and an image file of the non-real-time insurance service, and send the application information to the underwriting system, and send the image file to the image system.

A second receiving module 302, configured to receive and display the image file by the image system.

The first generating module 303 is configured to, when the underwriting system or the bank insurance system obtains the first underwriting operation information for the application information and the image file, obtain policy state information for the non-real-time insurance service according to the application information, the image file, and the first underwriting operation information.

Optionally, the underwriting system includes an application information server, and the first generating module 303 includes:

Optionally, the first generating module 303 may further include:

Optionally, the underwriting system further includes: the information server for underwriting, the first generating module 303, may further include:

Optionally, the seventh generating sub-module may further include:

A third receiving module 304, configured to display the policy state information by the bank insurance system or the underwriting system, and complete a policy issuing operation of the non-real-time insurance service.

Optionally, the apparatus further comprises:

To sum up, an order issuing device for non-real-time insurance service provided in the embodiment of the present invention includes: under the condition that the bank insurance system receives the application information of the non-real-time insurance service, receiving the application information and the image file of the non-real-time insurance service, sending the application information to the underwriting system, and sending the image file to the image system; the image system receives and displays the image file; under the condition that the first underwriting operation information aiming at the application information and the image file is obtained by the underwriting system or the bank insurance system, acquiring policy state information aiming at the non-real-time insurance service according to the application information, the image file and the first underwriting operation information; the bank insurance system or the underwriting system displays the insurance policy state information to finish the issuing operation of the non-real-time insurance service. The invention can transmit the insurance information and the image file of the non-real-time insurance service on line through the bank insurance communication system, the underwriting system and the image system, and transmit the insurance policy state information generated according to the underwriting operation information between the bank insurance communication system and the underwriting system in real time, thereby realizing the real-time interaction and synchronization of data and insurance policy processing results between the bank outlets and the insurance company, improving the efficiency and timeliness of the non-real-time insurance service and improving the use experience of users.

For the above device embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and for the relevant points, refer to the partial description of the method embodiment.

Preferably, an embodiment of the present invention further provides a computer device, which includes a processor, a memory, and a computer program stored in the memory and capable of running on the processor, and when the computer program is executed by the processor, the computer program implements each process of the above-mentioned non-real-time insurance service policy issuing method embodiment, and can achieve the same technical effect, and in order to avoid repetition, details are not described here again.

The embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the computer program implements each process of the above-mentioned non-real-time insurance service policy issuing method embodiment, and can achieve the same technical effect, and is not described herein again to avoid repetition. The computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk.

The embodiments in the present specification are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other.

As is readily imaginable to the person skilled in the art: any combination of the above embodiments is possible, and thus any combination between the above embodiments is an embodiment of the present invention, but the present disclosure is not necessarily detailed herein for reasons of space.

The non-real-time insurance business ordering method provided herein is not inherently related to any particular computer, virtual system, or other apparatus. Various general purpose systems may also be used with the teachings herein. The structure required to construct a system incorporating aspects of the present invention will be apparent from the description above. Moreover, the present invention is not directed to any particular programming language. It is appreciated that a variety of programming languages may be used to implement the teachings of the present invention as described herein, and any descriptions of specific languages are provided above to disclose the best mode of the invention.

In the description provided herein, numerous specific details are set forth. It is understood, however, that embodiments of the invention may be practiced without these specific details. In some instances, well-known methods, structures and techniques have not been shown in detail in order not to obscure an understanding of this description.

Similarly, it should be appreciated that in the foregoing description of exemplary embodiments of the invention, various features of the invention are sometimes grouped together in a single embodiment, figure, or description thereof for the purpose of streamlining the invention and aiding in the understanding of one or more of the various inventive aspects. However, the disclosed method should not be interpreted as reflecting an intention that: that the invention as claimed requires more features than are expressly recited in each claim. Rather, as the following claims reflect, inventive aspects lie in less than all features of a single foregoing disclosed embodiment. Thus, the claims following the detailed description are hereby expressly incorporated into this detailed description, with each claim standing on its own as a separate embodiment of this invention.

Those skilled in the art will appreciate that the modules in the device in an embodiment may be adaptively changed and disposed in one or more devices different from the embodiment. The modules or units or components of the embodiments may be combined into one module or unit or component, and furthermore they may be divided into a plurality of sub-modules or sub-units or sub-components. All of the features disclosed in this specification (including any accompanying claims, abstract and drawings), and all of the processes or elements of any method or apparatus so disclosed, may be combined in any combination, except combinations where at least some of such features and/or processes or elements are mutually exclusive. Each feature disclosed in this specification (including any accompanying claims, abstract and drawings) may be replaced by alternative features serving the same, equivalent or similar purpose, unless expressly stated otherwise.

Furthermore, those skilled in the art will appreciate that while some embodiments described herein include some features included in other embodiments, rather than other features, combinations of features of different embodiments are meant to be within the scope of the invention and form different embodiments. For example, in the claims, any of the claimed embodiments may be used in any combination.

The various component embodiments of the invention may be implemented in hardware, or in software modules running on one or more processors, or in a combination thereof. Those skilled in the art will appreciate that a microprocessor or Digital Signal Processor (DSP) may be used in practice to implement some or all of the functions of some or all of the components of the ordering method of non-real time insurance services according to embodiments of the present invention. The present invention may also be embodied as apparatus or device programs (e.g., computer programs and computer program products) for performing a portion or all of the methods described herein. Such programs implementing the present invention may be stored on computer-readable media or may be in the form of one or more signals. Such a signal may be downloaded from an internet website or provided on a carrier signal or in any other form.

It should be noted that the above-mentioned embodiments illustrate rather than limit the invention, and that those skilled in the art will be able to design alternative embodiments without departing from the scope of the appended claims. In the claims, any reference signs placed between parentheses shall not be construed as limiting the claim. The word "comprising" does not exclude the presence of elements or steps not listed in a claim. The word "a" or "an" preceding an element does not exclude the presence of a plurality of such elements. The invention may be implemented by means of hardware comprising several distinct elements, and by means of a suitably programmed computer. In the unit claims enumerating several means, several of these means may be embodied by one and the same item of hardware. The usage of the words first, second and third, etcetera do not indicate any ordering. These words may be interpreted as names.

Claims

1. A method for issuing a non-real-time insurance service, which is applied to a service system, wherein the service system comprises: the bank insurance leads to system, underwriting system and image system, wherein:

the image system receives and displays the image file;

2. The method of claim 1, wherein the underwriting system comprises an application information server;

the step of obtaining policy state information for the non-real-time insurance service according to the application information, the image file and the first underwriting operation information under the condition that the underwriting system or the bank insurance system obtains the first underwriting operation information for the application information and the image file, comprises the following steps:

the underwriting system receives the application information and stores the application information in the application information server;

under the condition that the first underwriting operation information is received, the underwriting system generates first input information according to the image file and the application information and sends the first input information to the bank insurance communication system;

the bank protection system receives the first input information and conducts one-time verification operation on the first input information according to a preset first verification rule;

under the condition that the primary underwriting operation passes, the bank security system generates policy state information which the primary underwriting operation passes, and sends the policy state information to an underwriting system;

the bank protection system carries out secondary verification operation on the first input information according to a preset second verification rule;

and under the condition that the secondary underwriting operation passes, the bank security system generates policy state information which passes the secondary underwriting operation and sends the policy state information to the underwriting system.

3. The method according to claim 2, wherein after the step of receiving the first input information by the bank protection system and performing one-time verification operation on the first input information according to a preset first verification rule, the method further comprises:

under the condition that the primary underwriting operation does not pass, the bank security system generates policy state information that the primary underwriting operation does not pass, and returns the policy state information and the first input information to the underwriting system;

the underwriting system stores the received first input information in the insurance application information server, generates second input information according to the first input information and the modification operation information under the condition of receiving the modification operation information aiming at the first input information, and sends the second input information to the bank insurance system;

and the bank protection system carries out the secondary verification operation on the second input information according to the second verification rule.

4. The method of claim 2, wherein the underwriting system further comprises: an underwriting information server;

after the step of performing, by the bank insurance system, secondary underwriting operation on the first entry information according to a preset second underwriting rule, the method further includes:

under the condition that the secondary underwriting operation does not pass, the bank security system generates policy state information that the secondary underwriting operation does not pass, and sends the policy state information and the first input information to the underwriting system;

the underwriting system receives the policy state information and the first input information and stores the first input information in the underwriting information server;

and under the condition that the underwriting system receives second underwriting operation information aiming at the first input information, generating policy state information aiming at the non-real-time insurance service according to the second underwriting operation information, and sending the policy state information to the bank insurance communication system.

5. The method of claim 4, wherein the underwriting system further comprises: a problem information server;

the method comprises the following steps that under the condition that the first input information of the first insurance operation information is received by the insurance system, insurance policy state information aiming at the non-real-time insurance service is generated according to the first input information of the first input information, and the insurance policy state information is sent to the bank insurance communication system, and comprises the following steps:

the first input information is transferred to the problem information server from the underwriting information server by the underwriting system;

and under the condition that the first input information is received by the underwriting system, the first input information is transferred from the problem information server to the underwriting information server, insurance policy state information passing underwriting is generated, and the insurance policy state information is sent to the bank insurance communication system.

6. The method according to claim 5, wherein after the step of the underwriting system transferring the first entered information from the underwriting information server to the issue information server, the method further comprises:

and under the condition that the reimbursement operation information is not received, the underwriting system generates policy state information of which underwriting does not pass, and sends the policy state information to the bank protection communication system.

7. The method according to claim 1, wherein after the step of receiving and displaying the policy status information by the bank insurance system or the underwriting system, and completing the policy issuing operation of the non-real-time insurance service, the method further comprises:

the bank protection system sends the contract-withdrawing application information to the underwriting system under the condition that the contract-withdrawing application information is received;

the underwriting system generates confirmation contract withdrawing information aiming at the contract withdrawing application information according to the contract withdrawing application information and sends the confirmation contract withdrawing information to the bank protection system;

and the bank protection system receives and displays the confirmed contract withdrawing information, and further completes the contract withdrawing operation of the non-real-time insurance service.

8. An order issuing device for non-real-time insurance service, characterized in that the device is applied to a service system, and the service system comprises: silver guarantor system, underwriting system and image system, the device includes:

9. A computer device, characterized in that the computer device comprises:

a memory for storing program instructions;

a processor for calling the program instructions stored in the memory and executing the steps included in the non-real-time insurance business issuing method according to any one of claims 1 to 7 according to the obtained program instructions.

10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, implements the method for issuing a ticket for a non-real-time insurance service according to any one of claims 1 to 7.