CN111461900A - Method and device for generating insurance claim list - Google Patents
Method and device for generating insurance claim list Download PDFInfo
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- CN111461900A CN111461900A CN202010189642.6A CN202010189642A CN111461900A CN 111461900 A CN111461900 A CN 111461900A CN 202010189642 A CN202010189642 A CN 202010189642A CN 111461900 A CN111461900 A CN 111461900A
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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
Abstract
The embodiment of the specification discloses a method and a device for generating an insurance claim list, wherein the method comprises the following steps: and acquiring the identity information of the user, and acquiring the insurance liability bank of the user according to the identity information. The insurance responsibility base is generated according to the insurance policy applied by the user, and the insurance responsibility stored in the insurance responsibility base corresponds to the claim settlement condition and the claim settlement amount. And screening insurance responsibilities according to the claim settlement conditions, and generating an insurance claim settlement list according to the screened insurance responsibilities and the corresponding claim settlement amount. Therefore, the insurance responsibility base of the user is generated according to the insurance policy applied by the user, when the user applies for claim settlement, the corresponding insurance responsibility base is obtained according to the identity information of the user, the corresponding insurance responsibility is screened out from the insurance responsibility base, and an insurance claim list is generated, so that the user can apply for claim settlement to the insurance policy applied by the user at the same time, the process of applying for insurance claim settlement by the user is simplified, and meanwhile, the insurance policy is prevented from being omitted when the user applies for insurance claim settlement.
Description
[ technical field ] A method for producing a semiconductor device
The present disclosure relates to the field of data processing technologies, and in particular, to a method and an apparatus for generating an insurance claim list.
[ background of the invention ]
With the continuous development of internet financial business, insurance products are gradually changed into online insurance application and online claim settlement from the traditional business mode.
In the related art, the claim settlement of the user is based on the policy, that is, the policy number when the user provides the deposit is provided, and the corresponding claim amount is determined. However, when a user applies a plurality of policy, it is impossible to know which policy can apply for claim, and even if the user can determine the policy applying for claim, it is necessary to apply for claim separately for each policy, which is a complicated process.
[ summary of the invention ]
The embodiments of the present specification aim to solve at least one of the technical problems in the related art to some extent.
Therefore, a first objective of the embodiments of the present specification is to provide a method for generating an insurance claim list, so that a user can simultaneously apply for claim settlement on insurance policies to be applied, a process of applying for insurance claim settlement by the user is simplified, and omission of insurance policies when the user applies for insurance claim settlement is avoided.
A second object of the embodiments of the present specification is to provide an insurance claim list generating apparatus.
A third object of embodiments of the present specification is to propose a computer apparatus.
A fourth object of embodiments of the present specification is to propose a non-transitory computer-readable storage medium.
To achieve the above object, a first aspect of the embodiments of the present specification provides a method for generating an insurance claim list, including: acquiring identity information of a user; acquiring an insurance liability bank of the user according to the identity information; the insurance responsibility base is generated according to the insurance policy applied by the user, and insurance responsibility stored in the insurance responsibility base corresponds to the claim settlement condition and the claim settlement amount; screening the insurance responsibility according to the claim settlement condition; and generating an insurance claim settlement list according to the screened insurance responsibility and the corresponding claim settlement amount.
Compared with the prior art, the insurance responsibility base of the user is generated according to the policy of the insurance application of the user, when the user applies for the claim settlement, the corresponding insurance responsibility base is obtained according to the identity information of the user, the corresponding insurance responsibility is screened out from the insurance responsibility base, and the insurance claim settlement list is generated, so that the user can apply for the claim settlement of the insurance application of the user at the same time, the process of applying for the insurance claim by the user is simplified, and meanwhile, the policy is prevented from being omitted when the user applies for the insurance claim settlement.
In addition, the method for generating the insurance claim list in the embodiment of the present specification further has the following additional technical features:
optionally, before the obtaining the identity information of the user, the method further includes: acquiring a policy bank of the user; wherein, all the insurance policies applied by the user are stored in the insurance policy repository, the name of the insurance responsibility, the claim settlement condition and the claim settlement amount corresponding to the insurance responsibility are recorded on the insurance policies; and generating an insurance responsibility base of the user according to all insurance policies applied by the user.
Optionally, before the obtaining the policy repository of the user, the method further includes: acquiring all insurance policies applied by each user; wherein, the insurance policy is recorded with the identity information of the corresponding user; and generating an insurance policy library of each user according to the identity information of the corresponding user recorded on the insurance policy.
Optionally, the screening the insurance responsibility according to the claim settlement condition includes: acquiring insurance claim application materials of the user; wherein, the insurance claim application material records the condition that the insurance mark is damaged in the insurance event; matching the insurance responsibility according to the condition that the insurance target suffers from injury in the insurance event.
In a second aspect of the embodiments of the present specification, an apparatus for generating an insurance claim list is provided, including: the first acquisition module is used for acquiring the identity information of a user; the second acquisition module is used for acquiring the insurance responsibility base of the user according to the identity information; the insurance responsibility base is generated according to the insurance policy applied by the user, and insurance responsibility stored in the insurance responsibility base corresponds to the claim settlement condition and the claim settlement amount; the screening module is used for screening the insurance responsibility according to the claim settlement condition; and the first generation module is used for generating an insurance claim settlement list according to the screened insurance responsibility and the corresponding claim settlement amount.
In addition, the apparatus for generating an insurance claim list according to the embodiment of the present specification further has the following additional technical features:
optionally, the apparatus further comprises: the third acquisition module is used for acquiring the insurance policy library of the user; wherein, all the insurance policies applied by the user are stored in the insurance policy repository, the name of the insurance responsibility, the claim settlement condition and the claim settlement amount corresponding to the insurance responsibility are recorded on the insurance policies; and the second generation module is used for generating an insurance liability bank of the user according to all insurance policies applied by the user.
Optionally, the apparatus further comprises: the fourth acquisition module is used for acquiring all insurance policies applied by each user; wherein, the insurance policy is recorded with the identity information of the corresponding user; and the third generation module is used for generating the policy bank of each user according to the identity information of the corresponding user recorded on the policy.
Optionally, the screening module includes: the obtaining submodule is used for obtaining insurance claim application materials of the user; wherein, the insurance claim application material records the condition that the insurance mark is damaged in the insurance event; and the matching submodule is used for matching the insurance responsibility according to the condition that the insurance target is damaged in the insurance event.
A third aspect of embodiments herein provides a computer device, comprising a memory and a processor; the memory having stored thereon a computer program executable by the processor; the processor executes the computer program to execute the method for generating the insurance claim list according to the method embodiment.
A fourth aspect of the embodiments of the present specification proposes a non-transitory computer-readable storage medium, on which a computer program is stored, the computer program, when executed by a processor, implementing the method for generating an insurance claim list according to the foregoing method embodiments.
Additional aspects and advantages of embodiments of the present description will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of embodiments of the present description.
[ description of the drawings ]
In order to more clearly illustrate the technical solutions of the embodiments of the present disclosure, the drawings needed to be used in the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present disclosure, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without any creative effort.
Fig. 1 is a schematic flow chart illustrating a method for generating an insurance claim list according to an embodiment of the present disclosure;
FIG. 2 is a flow chart illustrating another method for generating an insurance claim list according to an embodiment of the present disclosure;
FIG. 3 is a flowchart illustrating a method for generating an insurance claim list according to an embodiment of the present disclosure;
FIG. 4 is a diagram illustrating an example of a method for generating an insurance claim list according to an embodiment of the present disclosure;
fig. 5 is a schematic structural diagram of an insurance claim list generation apparatus according to an embodiment of the present disclosure;
fig. 6 is a schematic structural diagram of another insurance claim list generation apparatus proposed in the embodiment of the present disclosure; and
fig. 7 is a schematic structural diagram of another insurance claim list generation apparatus according to an embodiment of the present disclosure.
[ detailed description ] embodiments
Reference will now be made in detail to embodiments of the present specification, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are exemplary and intended to be illustrative of the present specification embodiments and should not be construed as limiting the present specification embodiments.
The method for generating an insurance claim list and the apparatus therefor according to the embodiment of the present specification are described below with reference to the drawings.
Based on the above description of the prior art, it can be appreciated that in the related art, the claim settlement of the user is based on the policy, that is, the policy number provided by the user at the time of the application, and the corresponding claim amount is determined. However, when a user applies a plurality of policy, it is impossible to know which policy can apply for claim, and even if the user can determine the policy applying for claim, it is necessary to apply for claim separately for each policy, which is a complicated process.
To solve the problem, an embodiment of the present specification provides a method for generating an insurance claim list, where an insurance responsibility base of a user is generated according to a policy applied by the user, and when the user applies for a claim, the corresponding insurance responsibility base is obtained according to identity information of the user, and corresponding insurance responsibility is screened out from the insurance responsibility base to generate the insurance claim list, so that the user can apply for a claim for the applied policy at the same time, thereby simplifying a process of applying for an insurance claim by the user, and avoiding omission of the policy when the user applies for an insurance claim.
Fig. 1 is a flowchart illustrating a method for generating an insurance claim list according to an embodiment of the present disclosure. As shown in fig. 1, the method comprises the steps of:
step S101, obtaining identity information of a user.
The identity information of the user refers to digital information corresponding to the identity of the user, and may specifically be an identity card number of the user, or may also be biometric information of the user, such as face information, voiceprint information, iris information, fingerprint information, and the like of the user, which is not limited in the embodiments of the present specification.
And step S103, acquiring an insurance liability bank of the user according to the identity information.
The insurance responsibility base is generated according to the insurance policy applied by the user, and the insurance responsibility stored in the insurance responsibility base corresponds to the claim settlement condition and the claim settlement amount.
It can be understood that the method for generating the insurance claim list provided by the embodiment of the present specification is used in a scenario where a user applies for a claim, and when the user applies insurance, the applied insurance policy is stored, and after the insurance policy is processed, an insurance liability bank of the user is generated.
It should be understood that a policy, i.e., an insurance policy, is a written proof that an insurer, also referred to as an "insurer," who is an insurer who contracts with the insurer and assumes the responsibility for reimbursing or paying for insurance, and an insurer who contracts with the insurer and has the obligation to pay for insurance charges under the insurance contract.
The insurance policy is recorded with a plurality of names of insurance responsibilities, and corresponding claim settlement conditions and claim settlement amounts. And extracting the information recorded on the insurance policy to generate an insurance liability bank. When the user applies a new policy, the insurance responsibility stored in the insurance responsibility library will be updated accordingly.
And step S105, screening insurance responsibilities according to the claim settlement conditions.
And step S107, generating an insurance claim settlement list according to the screened insurance responsibility and the corresponding claim settlement amount.
It should be noted that different claim settlement conditions and claim amounts recorded on the policy correspond to different insurance responsibilities, respectively, so when the user applies for claim settlement, the insurance responsibilities need to be screened according to actual conditions, and the claim amounts corresponding to the screened insurance responsibilities are listed in the insurance claim list, so as to calculate the total amount of the insurance claim.
For example, on a policy of personal accidental injury insurance, personal accidental injury insurance responsibility, additional designated vehicle accidental personal accident insurance responsibility, additional legal holiday accidental personal accident insurance responsibility, additional fire accidental personal accident insurance responsibility, additional couple accidental personal accident insurance responsibility, and additional elevator accidental personal accident insurance responsibility are described, wherein the additional designated vehicle accidental personal accident insurance responsibility specifically includes passenger vehicle accidental personal accident insurance responsibility, passenger rail train/ship accidental personal accident insurance responsibility, and civil aviation aircraft accidental personal accident insurance responsibility, and the different insurance responsibilities correspond to different claim settlement conditions. If the insured life suffers from air crash accident when riding the civil aviation aircraft, the insurance responsibility meeting the claim settlement condition has personal accidental injury insurance responsibility and the civil aviation aircraft accidental accident insurance responsibility in the designated transportation vehicle accidental accident insurance responsibility, therefore, only the personal accidental injury insurance responsibility, the civil aviation aircraft accidental accident insurance responsibility and the corresponding claim settlement amount are recorded on the insurance claim settlement list, thereby calculating the total insurance claim settlement amount.
Based on the foregoing description, it can be known that when a user applies for an insurance claim, the user needs to provide insurance claim application materials to an insurer, the insurer audits the insurance claim application materials, and determines an insurance responsibility meeting an insurance condition according to the condition that an insurance target is damaged in an insurance event. Among them, the insurance target is the property of the applicant and the benefits related to the property in the property insurance, the life or the diseases possibly occurring and the retirement and pension in the life insurance, and the civil damage liability of the insured in the liability insurance. Therefore, step S105, according to the claim settlement conditions, the insurance responsibility is screened, which includes:
in step S11, insurance claim application material of the user is obtained.
The insurance claim application material describes that the insurance mark is damaged in the insurance event.
And step S13, matching insurance responsibility according to the condition that the insurance target is damaged in the insurance event.
That is, the insurance responsibility matching the damage suffered by the insurance target in the insurance event is the insurance responsibility that can be listed in the insurance claim list.
To sum up, the method for generating an insurance claim list provided by the embodiment of the present specification includes: and acquiring the identity information of the user, and acquiring the insurance liability bank of the user according to the identity information. The insurance responsibility base is generated according to the insurance policy applied by the user, and the insurance responsibility stored in the insurance responsibility base corresponds to the claim settlement condition and the claim settlement amount. And screening insurance responsibilities according to the claim settlement conditions, and generating an insurance claim settlement list according to the screened insurance responsibilities and the corresponding claim settlement amount. Therefore, the insurance responsibility base of the user is generated according to the insurance policy applied by the user, when the user applies for claim settlement, the corresponding insurance responsibility base is obtained according to the identity information of the user, the corresponding insurance responsibility is screened out from the insurance responsibility base, and an insurance claim list is generated, so that the user can apply for claim settlement to the insurance policy applied by the user at the same time, the process of applying for insurance claim settlement by the user is simplified, and meanwhile, the insurance policy is prevented from being omitted when the user applies for insurance claim settlement.
In order to more clearly illustrate how the method for generating the insurance claim list provided by the embodiment of the present specification generates the insurance liability bank of the user, another method for generating the insurance claim list is also provided by the embodiment of the present specification. Fig. 2 is a schematic flow chart of another method for generating an insurance claim list according to an embodiment of the present disclosure, as shown in fig. 2, the method includes:
step S201, acquiring a policy bank of a user.
All insurance policies applied by the user are stored in the insurance policy bank, the name of insurance responsibility, and claim settlement conditions and claim settlement amounts corresponding to the insurance responsibility are recorded on the insurance policies.
Based on the above description, it is understood that in order to enable a user to screen insurance responsibilities in an insurance responsibilities repository and generate an insurance claim list according to claim conditions when applying for insurance claims, the user needs to generate the insurance responsibilities repository of the user in advance according to the insurance responsibilities recorded on all policy of the user's insurance.
In the embodiment of the specification, all the insurance policies applied by the user are acquired by acquiring the insurance policy library of the user, and the names of the insurance responsibilities recorded on each insurance policy, the claim settlement conditions corresponding to the insurance responsibilities and the claim settlement amount are listed in the insurance responsibilities library, so that when applying for the insurance claims, the insurance policy of the user does not need to be acquired, and only an insurance claim list needs to be generated from the insurance responsibilities library of the user.
And step S203, generating an insurance liability bank of the user according to all insurance policies applied by the user.
In order to store the contents recorded on different insurance policies into the insurance responsibility base, the name of the insurance responsibility, the claim condition of the insurance responsibility, and the claim amount of the insurance responsibility are stored as one attribute of the insurance responsibility.
Step S205, acquiring the identity information of the user.
And step S207, acquiring the insurance liability bank of the user according to the identity information.
In step S209, insurance claim application material of the user is acquired.
And step S211, matching insurance responsibility according to the condition that the insurance target is damaged in the insurance event.
And step S213, generating an insurance claim settlement list according to the matched insurance responsibility and the corresponding claim settlement amount.
It should be noted that the explanation of steps S101 to S107 in the foregoing embodiments is also applicable to steps S201 to S213 in the embodiments, and is not repeated here.
Therefore, the insurance responsibility base of the user is generated in advance according to all the insurance policies stored in the insurance policy base of the user.
For the online insurance service, different users need to carry out online insurance application and claim settlement, and in order to enable the different users to apply for the claim settlement, the embodiment of the specification further provides another method for generating an insurance claim settlement list. Fig. 3 is a schematic flow chart of a method for generating an insurance claim list according to an embodiment of the present disclosure, as shown in fig. 3, the method includes:
step S301, all insurance policies applied by each user are obtained.
Wherein, the insurance policy is recorded with the identity information of the corresponding user.
Step S303, generating a policy bank of each user according to the identity information of the corresponding user recorded on the policy.
It can be understood that, in order to correspond different policy to different users, the policy is further recorded with identity information of the corresponding user, and the association between the policy and the corresponding user can be realized through the identity information, so that all policies applied by the user can be obtained according to the identity information of the user, and a corresponding policy library is generated for each user.
Step S305, acquiring the insurance policy library of the user.
And step S307, generating an insurance liability bank of the user according to all insurance policies applied by the user.
Step S309, obtain the identity information of the user.
And step S311, acquiring the insurance liability bank of the user according to the identity information.
In step S313, insurance claim application material of the user is acquired.
And step S315, matching insurance responsibility according to the condition that the insurance target is damaged in the insurance event.
And step S317, generating an insurance claim settlement list according to the matched insurance responsibility and the corresponding claim settlement amount.
It should be noted that the explanation of step S201 to step S213 in the foregoing embodiment is also applicable to step S301 to step S317 in the embodiment of the present specification, and is not repeated here.
Therefore, the corresponding name list library is generated for each user, so that different users can apply for claim settlement.
In order to more clearly describe the method for generating the insurance claim list proposed in the embodiment of the present specification, the following description is made by way of example.
Fig. 4 is a schematic diagram illustrating an example of a method for generating an insurance claim list according to an embodiment of the present disclosure. As shown in FIG. 4, the user Zhang Sandan ensures the major illness insurance, the outpatient insurance, the hospitalization insurance and the aviation accident insurance on line, and stores the Zhang Sandan's major illness insurance policy, the outpatient insurance policy, the hospitalization insurance policy and the aviation accident insurance policy into the Zhang Sandan's insurance policy repository according to the certificate number of Zhang Sandan recorded on each insurance policy. Acquiring the insurance responsibility and the corresponding insurance amount recorded on each insurance policy, extracting the insurance responsibility and generating an insurance responsibility library of Zhang III. The insurance responsibility stored in the insurance responsibility base has three attributes of name, claim settlement condition and claim settlement amount, and the insurance responsibility base of Zhang III is associated with Zhang III of the user through the certificate number of Zhang III.
Zhang III only needs to input a certificate number when applying for claim settlement on line after encountering an insurance event, the system automatically acquires an insurance responsibility base of Zhang III, screens insurance responsibilities in the insurance responsibility base according to the condition that Zhang III is damaged in the insurance event, determines that the insurance responsibilities meeting the claim settlement conditions comprise a major illness-responsibility 1, an outpatient service-responsibility 2 and an in-patient-responsibility 1, further generates an insurance claim settlement list according to the screened claim settlement amount corresponding to the guarantee responsibility, calculates the total amount of the insurance claim settlement, and displays the insurance claim settlement amount to a user.
In order to implement the foregoing embodiment, an apparatus for generating an insurance claim list is further provided in the embodiment of the present specification, and fig. 5 is a schematic structural diagram of the apparatus for generating an insurance claim list provided in the embodiment of the present specification. As shown in fig. 5, the apparatus includes: a first obtaining module 410, a second obtaining module 420, a screening module 430, and a first generating module 440.
The first obtaining module 410 obtains identity information of a user.
And a second obtaining module 420, configured to obtain the insurance liability bank of the user according to the identity information.
The insurance responsibility base is generated according to the insurance policy applied by the user, and the insurance responsibility stored in the insurance responsibility base corresponds to the claim settlement condition and the claim settlement amount.
And the screening module 430 is used for screening insurance responsibilities according to the claim settlement conditions.
The first generating module 440 is configured to generate an insurance claim list according to the screened insurance responsibilities and the corresponding claim amount.
Further, in order to filter insurance responsibilities according to claim settlement conditions, a possible implementation manner is that the filtering module 430 includes: the obtaining submodule 431 is used for obtaining insurance claim application materials of the user. The insurance claim application material describes that the insurance mark is damaged in the insurance event. A matching sub-module 432 for matching insurance responsibilities based on the condition that the insurance target is harmed in the insurance event.
It should be noted that the explanation of the embodiment of the method for generating an insurance claim list is also applicable to the apparatus for generating an insurance claim list of the embodiment, and is not repeated herein.
In summary, the apparatus for generating an insurance claim list provided in the embodiments of the present specification obtains identity information of a user, and obtains an insurance liability bank of the user according to the identity information. The insurance responsibility base is generated according to the insurance policy applied by the user, and the insurance responsibility stored in the insurance responsibility base corresponds to the claim settlement condition and the claim settlement amount. And screening insurance responsibilities according to the claim settlement conditions, and generating an insurance claim settlement list according to the screened insurance responsibilities and the corresponding claim settlement amount. Therefore, the insurance responsibility base of the user is generated according to the insurance policy applied by the user, when the user applies for claim settlement, the corresponding insurance responsibility base is obtained according to the identity information of the user, the corresponding insurance responsibility is screened out from the insurance responsibility base, and an insurance claim list is generated, so that the user can apply for claim settlement to the insurance policy applied by the user at the same time, the process of applying for insurance claim settlement by the user is simplified, and meanwhile, the insurance policy is prevented from being omitted when the user applies for insurance claim settlement.
In order to implement the foregoing embodiment, an embodiment of the present specification further provides another apparatus for generating an insurance claim list, and fig. 6 is a schematic structural diagram of the another apparatus for generating an insurance claim list provided in the embodiment of the present specification. As shown in fig. 6, the apparatus includes: a third obtaining module 510, a second generating module 520, a first obtaining module 530, a second obtaining module 540, a screening module 550, and a first generating module 560.
And a third obtaining module 510, configured to obtain the policy repository of the user.
All insurance policies applied by the user are stored in the insurance policy bank, the name of insurance responsibility, and claim settlement conditions and claim settlement amounts corresponding to the insurance responsibility are recorded on the insurance policies.
And a second generating module 520, configured to generate an insurance liability bank of the user according to all insurance policies applied by the user.
The first obtaining module 530 obtains identity information of a user.
And a second obtaining module 540, configured to obtain the insurance liability bank of the user according to the identity information.
The insurance responsibility base is generated according to the insurance policy applied by the user, and the insurance responsibility stored in the insurance responsibility base corresponds to the claim settlement condition and the claim settlement amount.
And a screening module 550, configured to screen insurance responsibilities according to the claim settlement conditions.
The first generating module 560 is configured to generate an insurance claim list according to the screened insurance responsibilities and the corresponding claim amount.
Wherein, the screening module 550 includes: the obtaining submodule 551 is configured to obtain insurance claim application materials of the user. The insurance claim application material describes that the insurance mark is damaged in the insurance event. A matching sub-module 552 for matching insurance responsibilities based on the condition of the insurance target being harmed during an insurance event.
It should be noted that the explanation of the embodiment of the method for generating an insurance claim list is also applicable to the apparatus for generating an insurance claim list of the embodiment, and is not repeated herein.
Therefore, the insurance responsibility base of the user is generated in advance according to all the insurance policies stored in the insurance policy base of the user.
In order to implement the foregoing embodiment, the embodiment of the present specification further provides another apparatus for generating an insurance claim list, and fig. 7 is a schematic structural diagram of the apparatus for generating another insurance claim list provided in the embodiment of the present specification. As shown in fig. 7, the apparatus includes: a fourth obtaining module 610, a third generating module 620, a third obtaining module 630, a second generating module 640, a first obtaining module 650, a second obtaining module 660, a screening module 670, and a first generating module 680.
And a fourth obtaining module 610, configured to obtain all the insurance policies applied by each user.
Wherein, the insurance policy is recorded with the identity information of the corresponding user.
And a third generating module 620, configured to generate a policy repository for each user according to the identity information of the corresponding user recorded on the policy.
A third obtaining module 630, configured to obtain the policy repository of the user.
All insurance policies applied by the user are stored in the insurance policy bank, the name of insurance responsibility, and claim settlement conditions and claim settlement amounts corresponding to the insurance responsibility are recorded on the insurance policies.
And the second generating module 640 is used for generating an insurance liability bank of the user according to all insurance policies applied by the user.
The first obtaining module 650 obtains identity information of a user.
And a second obtaining module 660, configured to obtain the insurance liability bank of the user according to the identity information.
The insurance responsibility base is generated according to the insurance policy applied by the user, and the insurance responsibility stored in the insurance responsibility base corresponds to the claim settlement condition and the claim settlement amount.
And the screening module 670 is used for screening insurance responsibilities according to the claim settlement conditions.
The first generating module 680 is configured to generate an insurance claim list according to the screened insurance responsibilities and the corresponding claim amount.
Wherein, the screening module 670 includes: the obtaining submodule 671 is used for obtaining insurance claim application materials of the user. The insurance claim application material describes that the insurance mark is damaged in the insurance event. A matching sub-module 672 for matching insurance responsibilities based on the damage suffered by the insurance target during the insurance event.
It should be noted that the explanation of the embodiment of the method for generating an insurance claim list is also applicable to the apparatus for generating an insurance claim list of the embodiment, and is not repeated herein.
Therefore, the corresponding name list library is generated for each user, so that different users can apply for claim settlement.
In order to implement the foregoing embodiments, the present specification further provides a computer device, including a memory and a processor; the memory has stored thereon a computer program executable by the processor; the method of generating an insurance claim list as the aforementioned method embodiments is performed when the processor runs the computer program.
To achieve the above embodiments, embodiments also propose a non-transitory computer-readable storage medium on which a computer program is stored, which, when executed by a processor, implements the method of generating an insurance claim list as the aforementioned method embodiments.
The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.
Furthermore, the terms "first", "second" and "first" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In the description of the embodiments herein, "a plurality" means at least two, e.g., two, three, etc., unless specifically limited otherwise.
In the embodiments of the present specification, unless otherwise specifically stated or limited, the terms "mounted," "connected," and "fixed" are to be construed broadly, e.g., as meaning fixedly connected, detachably connected, or integrally formed; can be mechanically or electrically connected; they may be directly connected or indirectly connected through intervening media, or they may be connected internally or in any other suitable relationship, unless expressly stated otherwise. Specific meanings of the above terms in the embodiments of the present specification can be understood by those of ordinary skill in the art according to specific situations.
In embodiments of the present specification, unless explicitly stated or limited otherwise, a first feature may be "on" or "under" a second feature in direct contact with the first and second features, or in indirect contact with the first and second features through intervening media. Also, a first feature "on," "over," and "above" a second feature may be directly or diagonally above the second feature, or may simply indicate that the first feature is at a higher level than the second feature. A first feature being "under," "below," and "beneath" a second feature may be directly under or obliquely under the first feature, or may simply mean that the first feature is at a lesser elevation than the second feature.
In the description herein, references to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of an embodiment of the specification. In this specification, the schematic representations of the terms used above are not necessarily intended to refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. Furthermore, various embodiments or examples and features of different embodiments or examples described in this specification can be combined and combined by one skilled in the art without contradiction.
Although embodiments of the present invention have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present invention, and that variations, modifications, substitutions and alterations can be made to the above embodiments by those of ordinary skill in the art within the scope of the present invention.
Claims (10)
1. A method for generating an insurance claim list comprises the following steps:
acquiring identity information of a user;
acquiring an insurance liability bank of the user according to the identity information; the insurance responsibility base is generated according to the insurance policy applied by the user, and insurance responsibility stored in the insurance responsibility base corresponds to the claim settlement condition and the claim settlement amount;
screening the insurance responsibility according to the claim settlement condition; and
and generating an insurance claim settlement list according to the screened insurance responsibility and the corresponding claim settlement amount.
2. The generation method of claim 1, wherein before the obtaining identity information of the user, further comprising:
acquiring a policy bank of the user; wherein, all the insurance policies applied by the user are stored in the insurance policy repository, the name of the insurance responsibility, the claim settlement condition and the claim settlement amount corresponding to the insurance responsibility are recorded on the insurance policies;
and generating an insurance responsibility base of the user according to all insurance policies applied by the user.
3. The generation method of claim 2, wherein prior to said obtaining the user's policy repository, further comprising:
acquiring all insurance policies applied by each user; wherein, the insurance policy is recorded with the identity information of the corresponding user;
and generating an insurance policy library of each user according to the identity information of the corresponding user recorded on the insurance policy.
4. The generation method according to any one of claims 1 to 3, wherein the screening the insurance responsibility according to the claim settlement condition includes:
acquiring insurance claim application materials of the user; wherein, the insurance claim application material records the condition that the insurance mark is damaged in the insurance event;
matching the insurance responsibility according to the condition that the insurance target suffers from injury in the insurance event.
5. An insurance claim list generation apparatus, comprising:
the first acquisition module is used for acquiring the identity information of a user;
the second acquisition module is used for acquiring the insurance responsibility base of the user according to the identity information; the insurance responsibility base is generated according to the insurance policy applied by the user, and insurance responsibility stored in the insurance responsibility base corresponds to the claim settlement condition and the claim settlement amount;
the screening module is used for screening the insurance responsibility according to the claim settlement condition; and
and the first generation module is used for generating an insurance claim settlement list according to the screened insurance responsibility and the corresponding claim settlement amount.
6. The generation apparatus of claim 5, wherein the apparatus further comprises:
the third acquisition module is used for acquiring the insurance policy library of the user; wherein, all the insurance policies applied by the user are stored in the insurance policy repository, the name of the insurance responsibility, the claim settlement condition and the claim settlement amount corresponding to the insurance responsibility are recorded on the insurance policies;
and the second generation module is used for generating an insurance liability bank of the user according to all insurance policies applied by the user.
7. The generation apparatus of claim 6, wherein the apparatus further comprises:
the fourth acquisition module is used for acquiring all insurance policies applied by each user; wherein, the insurance policy is recorded with the identity information of the corresponding user;
and the third generation module is used for generating the policy bank of each user according to the identity information of the corresponding user recorded on the policy.
8. The generation method of any of claims 5-7, wherein the screening module comprises:
the obtaining submodule is used for obtaining insurance claim application materials of the user; wherein, the insurance claim application material records the condition that the insurance mark is damaged in the insurance event;
and the matching submodule is used for matching the insurance responsibility according to the condition that the insurance target is damaged in the insurance event.
9. A computer device comprising a memory and a processor; the memory having stored thereon a computer program executable by the processor; the processor, when executing the computer program, performs the method of generating an insurance claim list as recited in any one of claims 1 to 4.
10. A non-transitory computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the method of generating an insurance claims list as claimed in any one of claims 1 to 4.
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