CN111598525A

CN111598525A - Policy generation method and electronic equipment

Info

Publication number: CN111598525A
Application number: CN202010301338.6A
Authority: CN
Inventors: 潘曦; 王吉玲; 禹域; 白洋; 张涛; 杨璐洁; 解翔宇; 李超; 周东
Original assignee: Peoples Insurance Company of China
Current assignee: Peoples Insurance Company of China
Priority date: 2020-04-16
Filing date: 2020-04-16
Publication date: 2020-08-28
Anticipated expiration: 2040-04-16
Also published as: CN111598525B

Abstract

The invention discloses a policy generation method and electronic equipment, which are used for solving the problems that technical personnel and business personnel in the insurance industry have large workload and the policy generation efficiency is low in the prior art. The method comprises the following steps: the front end responds to an input request aiming at a designated type of insurance policy, provides a designated type of insurance policy template for a user, so that the user inputs insurance information based on the designated type of insurance policy template, and the designated type of insurance policy comprises a group policy and one of a plurality of insurance policies of the same type; the front end acquires a plurality of pieces of insurance policy information to be generated based on the insurance policy template of the specified type after the insurance policy information is uploaded and input by the user, and sends target insurance policy information in the plurality of pieces of insurance policy information to be generated to the rear end; generating a insurance policy of a specified type based on the target insurance policy information by the backend; and generating a plurality of insurance policies corresponding to the insurance policy information to be generated based on the insurance policy of the specified type.

Description

Policy generation method and electronic equipment

Technical Field

The invention relates to the technical field of computers, in particular to a policy generation method and electronic equipment.

Background

When generating the policy, if a business scenario requiring one-time batch generation of the policy, such as a group policy or a batch individual policy, is encountered, the business personnel is generally required to circularly iterate generation of the policy once, that is, the policies are sequentially entered one by one at a time.

In the conventional practice, an EXCEL policy template approved by a business party can be generally designed, and the content of the template comprises key elements to be input into a policy, such as information of an applicant, insurance clauses and the like; then, the complete information of the insurance policy can be input by business personnel and is led into the system at one time; finally, the system synchronously generates the insurance policies corresponding to the plurality of insurance policies, wherein the work comprises premium calculation, element verification, payment, insurance verification and the like, and one EXCEL record can generate one insurance policy. That is, after the front end imports the insurance policy information into the system, the front end can perform the next work only after the system processes the insurance policy information, thereby wasting a lot of time and hindering the subsequent work of the front end.

In the above conventional method, on one hand, one EXCEL insurance policy template often corresponds to only one insurance product and cannot be applied to multiple insurance products, which results in that technicians need to construct different EXCEL insurance policy templates for different insurance products; on the other hand, the system generates the policy synchronously, which takes long time and causes poor customer experience. Therefore, it is desirable to provide a policy method that reduces the repetitive workload of technicians and business personnel and improves the policy generation efficiency.

Disclosure of Invention

The embodiment of the invention provides a policy generation method and electronic equipment, and aims to solve the problems that technical personnel and business personnel in the insurance industry have large workload and the policy generation efficiency is low in the prior art.

In order to solve the technical problem, the invention is realized as follows: in a first aspect, an embodiment of the present invention provides a method for generating a policy, including:

the front end responds to an entry request aiming at a specified type of insurance policy, provides a insurance policy template of the specified type for a user so that the user can enter insurance information based on the insurance policy template of the specified type, wherein the insurance policy template of the specified type comprises a group policy and one of a plurality of insurance policies of the same type, and is generated based on a plurality of configurable configuration items;

the front end acquires a plurality of insurance policy information to be generated based on the insurance policy template of the specified type after the insurance policy information is uploaded and input by the user, and sends target insurance policy information in the insurance policy information to be generated to the rear end;

the backend generates the insurance policy of the specified type based on the target insurance policy information;

and the back end generates the insurance policy corresponding to the plurality of insurance policy information to be generated based on the insurance policy of the specified type.

In a second aspect, an embodiment of the present invention further provides an electronic device, including:

the template providing unit is used for responding to an input request aiming at a specified type of insurance policy at the front end, and providing the insurance policy template of the specified type for a user so that the user can input insurance information based on the insurance policy template of the specified type, wherein the insurance policy of the specified type comprises a group policy and one of a plurality of insurance policies of the same type;

the first obtaining unit is used for obtaining a plurality of pieces of insurance policy information to be generated by the front end based on the insurance policy template of the specified type uploaded and input by the user, and sending target insurance policy information in the plurality of pieces of insurance policy information to be generated to the rear end, wherein the insurance policy template of the specified type is generated based on a plurality of configurable configuration items;

the first generation unit is used for generating the insurance policy of the specified type based on the target insurance policy information by the backend;

and the second generating unit is used for generating the policy corresponding to the plurality of insurance policy information to be generated based on the policy of the specified type.

In a third aspect, an embodiment of the present invention further provides an electronic device, including:

a processor; and

a memory arranged to store computer executable instructions that, when executed, cause the processor to:

In a fourth aspect, embodiments of the present invention also provide a computer-readable storage medium storing one or more programs that, when executed by an electronic device including a plurality of application programs, cause the electronic device to perform operations including:

By adopting the method provided by the embodiment of the invention, on one hand, a plurality of configurable configuration items can be designed in advance, and the insurance policy template of the specified type can be generated based on the plurality of configurable configuration items, and the plurality of configurable configuration items can be recycled for a plurality of times, thereby reducing the workload of technical personnel and business personnel for manufacturing the insurance policy template; on the other hand, on the premise that the front end and the rear end are separated, the rear end can generate a standard insurance policy of a specified type based on one insurance policy information sent by the front end, and then a plurality of insurance policies corresponding to a plurality of insurance policy information sent by the front end can be quickly generated by taking the standard insurance policy as a reference, so that the workload of generating group policies or generating a plurality of insurance policies of the same type in batches is greatly saved.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the description of the embodiments of the present invention will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained according to these drawings without inventive labor.

Fig. 1 is a schematic flow chart illustrating an implementation of a policy generation method according to an embodiment of the present invention;

FIG. 2 is a schematic view of a policy entry page in the method for generating a policy provided by an embodiment of the present invention;

FIG. 3 is a schematic diagram of a policy template in the method for generating a policy according to an embodiment of the present invention;

fig. 4 is a schematic diagram of a policy template of a specified type after the user uploads input insurance information in the policy generation method according to the embodiment of the present invention;

fig. 5 is a schematic diagram illustrating a page prompting a user to download and modify error information in a policy generation method according to an embodiment of the present invention;

fig. 6 is a schematic diagram of a submission underwriting page in the policy generation method according to the embodiment of the present invention;

fig. 7 is a schematic flow chart of a specific implementation of the policy generation method provided in the embodiment of the present invention in practical application;

fig. 8 is a schematic flow chart of the policy generation method applied to the front end according to the embodiment of the present invention;

fig. 9 is a schematic flow chart of the policy generation method applied to the backend according to the embodiment of the present invention;

fig. 10 is a schematic structural diagram of a front end according to an embodiment of the present invention;

FIG. 11 is a schematic structural diagram of a backend according to an embodiment of the present invention;

fig. 12 is a schematic structural diagram of a system for generating a policy according to an embodiment of the present invention;

fig. 13 is a schematic structural diagram of an electronic device according to an embodiment of the present invention;

fig. 14 is a schematic structural diagram of another electronic device according to an embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

The technical solutions provided by the embodiments of the present invention are described in detail below with reference to the accompanying drawings.

In order to solve the problems that technicians and service personnel in the insurance industry in the prior art have large workload and the generation efficiency of the policy is low, the invention provides a policy generation method, and an execution main body of the policy generation method can be, but is not limited to, a computer and the like and can be configured to execute at least one of user terminals of the method provided by the embodiment of the invention, or the execution main body of the policy generation method can also be a client or a server which can execute the policy generation method.

For convenience of description, the following description will be made on embodiments of the method, taking an execution subject of the method as an example of an electronic device capable of executing the method. It is to be understood that the implementation of the method as an electronic device is merely an exemplary illustration and should not be construed as a limitation of the method.

Specifically, the method for generating a policy provided by the invention comprises the following steps: the front end responds to an entry request aiming at a designated type of insurance policy, provides a designated type of insurance policy template for a user, so that the user enters insurance information based on the designated type of insurance policy template, wherein the designated type of insurance policy template comprises a group policy and one of a plurality of insurance policies of the same type, and is generated based on a plurality of configurable configuration items; the front end acquires a plurality of insurance policy information to be generated based on the insurance policy template of the specified type after the insurance policy information is uploaded and input by the user, and sends target insurance policy information in the insurance policy information to be generated to the rear end; generating a policy of a specified type based on the target policy information by the backend; and generating a plurality of insurance policies corresponding to the insurance policy information to be generated based on the insurance policy of the specified type.

By adopting the method provided by the embodiment of the invention, on one hand, a plurality of configurable configuration items can be designed in advance, and the insurance policy template of the specified type can be generated based on the plurality of configurable configuration items, and the plurality of configurable configuration items can be recycled for a plurality of times, thereby reducing the workload of technical personnel and business personnel for manufacturing the insurance policy template; on the other hand, on the premise that the front end and the rear end are separated, the rear end can generate a standard insurance policy of a specified type based on one piece of insurance information sent by the front end, and then a plurality of corresponding insurance policies are generated by using a plurality of pieces of insurance information sent by the front end and the rear end as reference, so that the workload of generating group tickets or generating a plurality of insurance policies of the same type in batches is greatly saved.

The following describes in detail an implementation process of the policy generation method shown in fig. 1, with reference to an implementation flow diagram of the policy generation method, where the implementation process includes:

step 101, the front end responds to an entry request aiming at an insurance policy of a specified type, and provides a insurance policy template of the specified type for a user, so that the user enters insurance information based on the insurance policy template of the specified type, the insurance policy of the specified type comprises a group policy and one of a plurality of insurance policies of the same type, wherein the insurance policy template of the specified type is generated based on a plurality of configurable configuration items;

it should be understood that the method provided by the embodiment of the present invention can implement asynchronous work of the front end and the back end on the premise that the front end and the back end are separated, so that the front end and the back end do not need to wait for the end of a work process to perform the next work, thereby reducing the waiting time of the front end and the back end and improving the generation efficiency of the policy.

For example, in the prior art, after the front end sends the insurance policy information to the back end for processing, the front end can only wait for the back end to complete the processing of the insurance policy information, but cannot perform other work; moreover, because the insurance policy information generally comprises a large amount of data, the processing work of the back end needs to consume a large amount of time, and the time for the front end to wait for the back end to process the insurance policy information is too long, so that the front end is prevented from carrying out the next work.

In order to solve the problem, the method provided by the embodiment of the invention can be used for continuously carrying out the next step after the front end sends the insurance policy information to the back end for processing, inquiring the processing process of the back end when the processing process of the insurance policy information by the back end needs to be inquired, and splicing the back end processing results inquired for multiple times into a complete insurance policy information processing result by the front end if the back end finishes processing the insurance policy information, so that the front end can acquire the back end processing result at any time under the condition that the back end is not waited.

Therefore, the front end can continue to perform the subsequent work without waiting for the rear end to finish the processing work, thereby reducing the waiting time of the front end and the rear end and improving the generation efficiency of the policy.

Optionally, since the types of insurance products are various, and some products may not be allowed to be insurable in the form of a bill of lading, the method provided by the embodiment of the invention can store a bill of lading entry flag corresponding to the type of insurance product in the product storage center for indicating whether the corresponding type of insurance product is allowed to be insurable in the form of a bill of lading.

As shown in fig. 2, for a schematic diagram of an insurance policy entry page in the method for generating an insurance policy provided by the embodiment of the present invention, word buttons such as "download template" and "batch upload" may be displayed below a customer information module in the insurance policy entry page displayed at the front end, so that a user can download the insurance policy template or upload insurance policy information.

Specifically, firstly, a user can select or input the type or code of an insurance product to be input into a policy on a policy input interface at the front end; then, the front end can obtain whether the insurance product is allowed to be added with the bill import mark from the product center based on the type or the code of the insurance product; and finally, if the permission list entry flag indicates that the insurance product does not permit the list entry, the front end feeds back to the user that the insurance product to be entered does not permit the list entry, and if the permission list entry flag indicates that the insurance product permits the list entry, the front end receives and responds to an entry request of the user for the insurance product insurance policy.

Optionally, in the embodiment of the present invention, a designer or a business person may store, in advance, a description of an insurance policy template corresponding to each insurance product type in a product storage center according to the type and the demand of the insurance product, where the description of the insurance policy template may include elements in the insurance policy, second check rules, and the like.

Specifically, in order to enable the front end to obtain the configuration required by the insurance policy template from the product storage center based on the description of the insurance policy template, the product storage center stores some basic configuration items in addition to the description of the insurance policy template, and the configuration items may include field items for entering the insurance policy template, a first check rule for each field element, and configuration items such as non-null and bibliography. As shown in table 1, a configuration item table of the policy generation method provided in the embodiment of the present invention is provided.

Table 1 configuration item table of policy generation method provided in the embodiment of the present invention

Optionally, in order to enable generation of insurance policy templates of different insurance product types without manual setting by technicians or service personnel each time, the method provided by the embodiment of the invention can obtain configuration items based on the template description of insurance policies of specified types, thereby generating the insurance policy templates. Specifically, in the embodiment of the present invention, the front end, in response to an entry request for a policy of a specific type, provides a policy template of the specific type for a user, including:

the front end responds to an entry request aiming at the insurance policy of the specified type, and obtains the template description of the insurance policy of the specified type from the product storage center;

the front end obtains a configuration item specified by the template description of the insurance policy of the specified type from a plurality of configuration items stored in the product storage center based on the template description of the insurance policy of the specified type;

and the front end generates a insurance policy template of the specified type based on the template description of the insurance policy of the specified type and the configuration item specified by the acquired template description of the insurance policy of the specified type, and provides the insurance policy template of the specified type for the user.

It should be appreciated that in the prior art, the insurance policy template is fixed, and if the insurance policy template needs to be modified, the codes of the front end and the back end need to be modified manually, and it is also difficult to add another verification rule again. Therefore, in the embodiment of the invention, in order to enable a user to dynamically configure the insurance policy template according to the type of the insurance product or the requirement when the insurance policy information is actually input, the user can select a proper configuration item, configure the insurance policy template meeting the requirement, and store the description of the configured insurance policy template in the product storage center, so that the flexible configuration of the insurance policy template can be realized without directly modifying the codes of the insurance policy template and without manually modifying the codes for multiple times by the user.

Fig. 3 is a schematic diagram of a policy model in the policy generation method according to the embodiment of the present invention. The template in figure 3 includes configuration items such as serial number, batch change flag, group of groups, and insured name under which the user can enter policy information.

As shown in fig. 4, a schematic diagram of a policy template of a specific type after the insurance information is uploaded and entered by the user in the method for generating a policy according to the embodiment of the present invention is shown. After the user enters insurance policy information in the insurance policy template of the specified type, the insurance policy template of the specified type can be uploaded to a generation system of the insurance policy, and as shown in fig. 4, the user can select files needing to be uploaded in left-side file navigation.

102, the front end uploads a policy template of a specified type after the insurance information is input by a user, acquires a plurality of insurance policy information to be generated, and sends target insurance policy information in the insurance policy information to be generated to the rear end;

optionally, the front end in the method provided by the embodiment of the present invention may cache the insurance policy information in a cache unit of the front end; then, calling the insurance policy information item by item, and carrying out first verification operation on the insurance policy information item by item; and finally, the front end can send the insurance policy information which is subjected to the first verification operation to the rear end.

Specifically, in the method provided in the embodiment of the present invention, the sending, by the front end, target policy information in the policy information to be generated to the back end includes:

the front end caches a plurality of insurance policy information to be generated in a cache unit of the front end;

the front end obtains a first check rule corresponding to the insurance policy of the specified type from the product storage center based on the identifier of the insurance policy template of the specified type;

the front end sequentially carries out first verification operation on a plurality of insurance policy information to be generated in a cache unit of the front end based on a first verification rule, wherein the first verification operation at least comprises one of integrity verification operation, format verification operation, information length verification operation and non-empty verification operation;

after the first verification operation is completed on the plurality of insurance policy information to be generated, the front end sends the target insurance policy information in the plurality of insurance policy information to be generated to the back end.

The first check rule is generally a check rule with a simpler check logic, and may include some basic check rules for data types and data formats, and the first check rule may also be obtained from a configuration item specified by the template description of the insurance policy.

Moreover, similar to the dynamic configuration of the insurance policy template, in the prior art, when the verification rule is to be modified, the source code of the verification rule needs to be modified, so that the modification mode of the verification rule is cumbersome and is difficult to be realized by users such as a salesman. Therefore, in order to enable a user to dynamically configure the first verification rule according to the type of the insurance product or the actual input information type, the user can select a proper verification rule configuration item and configure the first verification rule which accords with the input insurance application information type, so that the first verification rule can be flexibly configured without directly modifying the first verification rule code.

It should be understood that the cache unit in the embodiment of the present invention may be a distributed cache used with a redis database, which may improve the transmission speed of data, and may store data in a row form instead of a column form, so that the data is no longer limited by the data type in the general database, and content may be added in a character string at will.

Optionally, if one part of the plurality of insurance policy information to be generated completes the first verification operation and the other part finds an error through the first verification operation, the front end may cache the incorrect insurance policy information to be generated and the error reason generation file in the cache unit, and provide the user with a function of downloading and modifying the error information in an insurance policy entry page displayed at the front end.

As shown in fig. 5, a schematic diagram that prompts a user to download and modify error information for a page in the policy generation method according to the embodiment of the present invention is shown. In fig. 5, the front end may display the number of uploaded information and the number of error information found after the first verification operation to the user through a page, and prompt the user to download an error information file for modification.

103, generating a policy of a specified type based on the target policy information by the backend;

it should be understood that the information in the group or batch of two sheets can be divided into two categories, one is the common information such as insurance responsibility clause, and the common information is the same information in one group or batch of sheets; and another type is detailed information such as insured information, which is typically specific and diverse information. Therefore, in order to avoid the user from repeatedly inputting the common information, the method provided by the embodiment of the invention can firstly send the target insurance policy information in the insurance policy information to be generated to the back end, so that the back end can generate the insurance policy of the specified type which can be used as the standard insurance policy based on the target insurance policy information, wherein the target insurance policy information can be the common information in the insurance policy information to be generated and the detailed information of an insured.

The insurance policy of the specified type can be used as a standard insurance policy of the group of policy or the batch of policy, so that the back end can generate other insurance policies corresponding to the insurance policy information to be generated by using the insurance policy of the specified type as a template for the group of policy or the batch of policy.

Specifically, when the back-end generates the insurance policy of the specified type, the back-end may also generate the entire insurance policy number of the group or batch of individual policies corresponding to the insurance policy of the specified type, and the insurance policy number may be used as a flag for the front-end and the back-end to transmit data. The back end can also send the insurance policy number to the front end, so that the front end can send information except the target insurance policy information in the insurance policy information to be generated to the back end based on the insurance policy number after associating the insurance policy number with the insurance policy information to be generated, and the back end can generate the insurance policy corresponding to a plurality of insurance policies to be generated associated with the insurance policy number based on the information except the target insurance policy information in the insurance policy information to be generated.

Optionally, since the front end may not verify some important or more complex target insurance policy information through the first verification operation, before generating an insurance policy of a specified type, the back end may also perform more complex operation and verification on the target insurance policy information, so that the target insurance policy information meets the requirements of corresponding insurance products.

Specifically, in the method provided in the embodiment of the present invention, the generating a policy of a specific type based on the target policy information by the backend includes:

the back end acquires a second check rule corresponding to the insurance policy of the specified type from the product storage center based on the identification of the insurance policy template of the specified type;

the back end performs second checking operation on the target insurance policy information based on a second checking rule, wherein the second checking operation at least comprises one of identity card checking operation, license plate number checking operation and contact way checking operation;

and after the target insurance policy information passes the second verification operation, generating the insurance policy of the specified type based on the target insurance policy information by the backend.

The second check rule is generally a check rule with a complex check logic, and may include some check rules that require calculation of insurance cost or verification of information of the applicant, or manually preset check rules.

Moreover, similar to the dynamic configuration of the first check rule, the user can select a proper check rule configuration item to configure the second check rule which accords with the type of the input insurable information, so that the flexible configuration of the second check rule can be realized without directly modifying the code of the second check rule.

And 104, generating a plurality of insurance policies corresponding to the insurance policy information to be generated based on the insurance policy of the specified type at the back end.

It should be understood that a conglomerate may be one policy that includes a plurality of policemen to be poliched, and a batch policy may be a large batch of multiple policies of the same type or having the same terms of responsibility. Therefore, when the insurance policy of the specified type is a group policy or a batch policy, the operation of generating the policy corresponding to the plurality of insurance policy information to be produced by the back end is different.

It should be understood that, in order to ensure that all the insurance policy information to be generated conforms to the format and logic requirements of the corresponding insurance product, in the embodiment of the present invention, the backend, in addition to being capable of performing the second verification operation on the target insurance policy information, can also perform the second verification operation on other information, except the target insurance policy information, in the insurance policy information to be generated.

Specifically, when the policy of the specified type is a group policy, the backend generates a policy corresponding to a plurality of policy information to be generated based on the policy of the specified type, including:

the back end acquires other insurance policy information except the target insurance policy information in the plurality of insurance policy information to be generated from the cache unit of the front end;

the back end performs second check operation on other insurance policy information based on a second check rule;

after the other insurance policy information passes the second verification operation, the back end copies the other insurance policy information into the insurance policy of the specified type to generate a plurality of insurance policies corresponding to the insurance policy information to be generated.

Specifically, when the insurance policy of the specified type is a plurality of insurance policies of the same type, the backend generates a plurality of insurance policies corresponding to the insurance policy information to be generated based on the standard insurance policy of the specified type, including:

and the back end sequentially generates the insurance policies corresponding to other insurance policy information based on other insurance policy information by taking the insurance policy of the specified type as a template to obtain a plurality of insurance policies corresponding to a plurality of insurance policy information to be generated, wherein one insurance policy corresponds to one insurance policy information to be generated.

Optionally, similarly to after the front end performs the first verification operation, if one part of the plurality of insurance policy information to be generated completes the second verification operation and the other part finds an error through the second verification operation, the front end may cache the erroneous insurance policy information generation file to be generated in the cache unit and provide the user with a function of downloading and modifying the error information in the insurance policy entry page displayed at the front end.

Specifically, the method provided by the embodiment of the present invention further includes:

if the underwriting operation fails, the back end acquires at least one to-be-generated insurance policy information corresponding to the underwriting operation failure;

the back end sends at least one to-be-generated insurance policy information corresponding to the failure of the underwriting operation to the front end;

and the front end displays at least one to-be-generated insurance policy information corresponding to the insurance verification operation failure to the user.

Optionally, generating a policy corresponding to a plurality of policy information to be generated based on the specified type of standard policy, and may further include: firstly, generating a plurality of insurance policies to be underwritten corresponding to insurance policy information to be generated based on a specified type of standard insurance policies, and then, responding to an underwriting request aiming at the insurance policies to be underwritten by a back end and carrying out underwriting operation on the insurance policies to be underwritten; and finally, the front end can respond to the checking and insurance operation progress query aiming at the insurance policy to be checked and guaranteed, acquire the checking and insurance operation progress aiming at the insurance policy to be checked and guaranteed from the rear end, and show the checking and insurance operation progress to the user.

Specifically, as shown in fig. 6, a schematic diagram of a submission underwriting page in the policy generation method provided by the embodiment of the present invention is shown. As shown in fig. 6, the user may request to perform an underwriting operation on the policy to be underwritten by clicking a "submit underwriting" button in the policy entry page displayed at the front end, at this time, the front end may call a "batch entry list result query" interface at the rear end to obtain an entry state and an entry result of the policy to be underwritten, such as: whether the insurance policy to be certified is successfully recorded, whether the insurance policy to be certified has information of recording failure, and the like.

For example, if the back end does not complete the entry processing such as the second check operation of the insurance policy to be underwritten, the front end can display the incomplete entry processing of the insurance policy to be underwritten with the insurance policy number XXX to the user through the page popup after acquiring the entry state, and the user can not submit the underwritten temporarily and please try again later. The word of' is used for prompting the input processing progress of the insurance policy to be checked and guaranteed by the user.

For another example, if the back end has finished the input processing of the insurance policy to be underwritten and has no error information, the back end performs the underwriting operation on the insurance policy to be underwritten and displays the underwriting result to the user through the front end after the underwriting operation is finished.

For example, if the back-end has completed the entry process of the insurance policy to be underwritten, but there is error information, the back-end can generate a description about the error information; then, the front end can display a word of 'inputting abnormal information in the insurance application and please download modification' to the user through a page popup to prompt the user to download and modify the error information file.

Then, the user can click a button of 'download error information list' in a page displayed by the front end, so that the front end calls a back end interface to obtain the description about the error information and the insurance policy to be certified, which is input by the user, generates an error information EXCEL file, and associates the error information EXCEL file with the button of 'download error information list', so that the user can modify and re-input the error information after obtaining the error information EXCEL file by clicking the button.

It should be understood that the underwriting operations may include information review operations for insureds, applicants or beneficiaries, review operations for insurance fees and insurance clauses, and the like. Part of the detailed operations of the underwriting operation may need to be performed manually, and the underwriting operation may include a backend underwriting operation, a manual underwriting operation, and the like.

And after the insurance policy to be underwritten completes the underwriting operation, the insurance policy corresponding to the insurance policy to be underwritten can be generated.

Optionally, after the input processing of the insurance policy to be underwritten is completed or the insurance policy corresponding to the insurance policy to be underwritten is generated, the user may use a button in the word "view group individual person information" or "view batch individual person information" in the page displayed at the front end of the motor, call the rear end to acquire person information in the group or batch individual sheets, and display the person information to the user through the page displayed at the front end.

As shown in fig. 7, a schematic flow chart of a specific implementation of the method for generating a policy provided in the embodiment of the present invention in practical application is shown, and the method provided in the embodiment of the present invention is described in detail below with reference to fig. 7:

step 701, when the front end obtains an insurance product code input by a user, calling a mark whether to allow group or batch single entry corresponding to the insurance product code from a product storage center;

step 702, the front end determines whether the insurance product allows the entry of the group order or the batch individual order based on the mark;

step 703, if the insurance product does not allow the entry of group or batch individual insurance policy, the front end does not provide the insurance policy template for the user, so that the user can enter information through the entry mode of the common insurance policy;

step 704, if the insurance product allows the entry of group or batch individual sheets, the front end calls the insurance policy template description of the product storage center, and acquires the corresponding configuration items from the product storage center based on the insurance policy template description to generate the insurance policy template, and provides the insurance policy template for the user through the page;

705, acquiring insurance policy information to be generated by the front end based on the insurance policy template uploaded by the user and after the insurance policy information is input;

step 706, the front end caches the insurance policy information to be generated in a cache unit of the front end, calls a first verification rule of the product storage center, and performs first verification operation on the insurance policy information to be generated one by one;

step 707, the front end sends the target policy making information in the policy making information to be generated after the first verification operation is completed to the back end, so that the back end generates a standard policy making and a corresponding policy making number;

step 708, the back end calls a second check rule of the product storage center, performs a second check operation on the target insurance policy information, and then generates a standard insurance policy and a corresponding insurance policy number based on the target insurance policy information;

step 709, the back end continues to call a second check rule of the product storage center, and performs a second check operation on other insurance policy information to be generated, which is acquired from the cache unit of the front end;

step 710, generating to-be-audited insurance policies corresponding to the plurality of to-be-generated insurance policy information based on the to-be-generated insurance policy information completing the second check operation by the backend;

step 711, the front end receives a request for submitting an insurance policy sent by a user, and then the front end obtains the input processing progress of the insurance policy to be audited from the rear end;

step 712, the front end prompts the user whether the insurance policy to be audited is to be entered, if the insurance policy to be audited is not to be entered, the user is prompted that the user cannot submit the insurance, and an insurance submission request sent by the user next time is waited;

713, if the insurable insurance policy to be audited is recorded, the back end carries out the insurance verification operation on the insurable insurance policy to be audited, and generates an insurance result and/or error information description and the insurance policy corresponding to the insurable insurance policy to be audited which has completed the insurance verification operation;

714, the front end determines whether error information exists in the insurance policy to be audited based on the underwriting result obtained from the back end;

step 715, if the insurance policy to be checked has error information, the front end generates an error information list file based on the error information description obtained from the back end, and provides a button for downloading the error information list file for the user;

step 716, the user downloads and modifies the information corresponding to the error information list file, and uploads the information to the front end again, and the front end sends the modified file to the back end, so that the back end performs the information in the modified file again for underwriting operation;

step 717, if there is no error information in the insurance policy to be audited, the front end may receive a request for checking the staff information sent by the user, and obtain the insurance policy corresponding to the request for checking the staff information from the back end, so as to show the staff information in the insurance policy to the user.

By adopting the method provided by the embodiment of the invention, on one hand, a plurality of configurable configuration items can be designed in advance, and the insurance policy template of the specified type can be generated based on the plurality of configurable configuration items, and the plurality of configurable configuration items can be recycled for a plurality of times, thereby reducing the workload of technical personnel and business personnel for manufacturing the insurance policy template; on the other hand, on the premise that the front end and the rear end are separated, the rear end can generate a standard insurance policy of a specified type based on one insurance application information sent by the front end, and then a plurality of insurance policy information sent by the front end and the rear end are quickly generated into a plurality of corresponding insurance policies by taking the standard insurance policy as a reference, so that the workload of generating group policies or generating a plurality of insurance policies of the same type in batches is greatly saved.

Fig. 8 is a schematic flow chart of the policy generation method applied to the front end according to the embodiment of the present invention, including:

step 801, responding to an entry request aiming at a designated type of insurance policy, providing a designated type of insurance policy template for a user so that the user can enter insurance information based on the designated type of insurance policy template, wherein the designated type of insurance policy template comprises a group policy and one of a plurality of insurance policies of the same type, and is generated based on a plurality of configurable configuration items;

optionally, the front-end provides a policy template of a specified type to the user in response to an entry request for a policy of the specified type, including:

the front end responds to the input request aiming at the insurance policy of the specified type, and obtains the template description of the insurance policy of the specified type from the product storage center;

Step 802, acquiring a plurality of insurance policy information to be generated based on a insurance policy template of a specified type after the insurance policy information is uploaded and input by a user;

step 803, sending the information of the plurality of insurance policies to be generated to the back end, so that the back end generates insurance policies of specified types based on the information of the plurality of insurance policies to be generated, and generates insurance policies corresponding to the information of the plurality of insurance policies to be generated based on the insurance policies of specified types;

optionally, the front end sends target policy information in the policy information to be generated to the back end, including:

Optionally, after the back-end sends at least one to-be-generated insurance policy information corresponding to the second verification operation failure to the front-end, the method provided in the embodiment of the present invention further includes:

and the front end displays at least one to-be-generated insurance policy information corresponding to the second inspection operation failure to the user.

The specific implementation of the relevant steps in the embodiment shown in fig. 8 may refer to the specific implementation of the corresponding steps in the embodiments shown in fig. 1 to 7, and one or more embodiments in this specification are not described herein again.

Fig. 9 is a schematic flow chart of the policy generation method applied to the back end according to the embodiment of the present invention, including:

step 901, generating a policy of a specified type based on target policy information sent from a front end; the target insurance policy information is insurance policy information in a plurality of insurance policy information to be generated which is acquired by a front end based on a insurance policy template of a specified type after the insurance policy information is uploaded and input by a user, the insurance policy template of the specified type is provided for the user by the front end in response to an input request aiming at the insurance policy of the specified type, the insurance policy of the specified type comprises a group policy and one of a plurality of insurance policies of the same type, wherein the insurance policy template of the specified type is generated based on a plurality of configurable configuration items;

optionally, the backend generates a standard policy of a specified type based on the target policy information, including:

the back end performs second checking operation on the target insurance policy information based on the second checking rule, wherein the second checking operation at least comprises one of identity card checking operation, license plate number checking operation and contact way checking operation;

and after the target insurance policy information passes the second verification operation, generating a standard insurance policy of a specified type based on the target insurance policy information by the backend.

902, generating a plurality of insurance policies corresponding to insurance policy information to be generated based on the insurance policy of the specified type at the back end;

optionally, when the policy of the specified type is a group policy, the backend generates a policy corresponding to a plurality of policy information to be generated based on the standard policy of the specified type, including:

after the other insurance policy information passes the second verification operation, the back end copies the other insurance policy information into the standard insurance policy of the specified type to generate a plurality of insurance policies corresponding to the insurance policy information to be generated.

Optionally, when the policy of the specified type is a plurality of policies of the same type, the backend generates a policy corresponding to a plurality of policy information to be generated based on the standard policy of the specified type, including:

the back end acquires other insurance policy information except the insurance policy information to be generated from the target insurance policy information to be generated in the plurality of insurance policy information to be generated from the cache unit of the front end;

the back end performs second check operation on the other insurance policy information based on a second check rule;

and the back end sequentially generates the insurance policies corresponding to other insurance policy information based on other insurance policy information by taking the specified type of standard insurance policy as a template to obtain a plurality of insurance policies corresponding to a plurality of insurance policy information to be generated, wherein one insurance policy corresponds to one insurance policy information to be generated.

Optionally, the method provided in the embodiment of the present invention further includes:

if the second inspection operation fails, the back end acquires at least one to-be-generated insurance policy information corresponding to the second inspection operation failure;

and the back end sends at least one to-be-generated insurance policy information corresponding to the second inspection operation failure to the front end.

The specific implementation of the relevant steps in the embodiment shown in fig. 9 may refer to the specific implementation of the corresponding steps in the embodiments shown in fig. 1 to 7, and one or more embodiments in this specification are not described herein again.

Fig. 10 is a schematic structural diagram of a front end according to an embodiment of the present invention, and in a software implementation, the front end 1000 may include a template providing unit 1001, an obtaining unit 1002, and a sending unit 1003, where:

the template providing unit 1001 is configured to provide a policy template of a specified type for a user in response to an entry request for a policy of the specified type, so that the user enters policy information based on the policy template of the specified type, where the policy of the specified type includes a group policy and one of a plurality of policy of the same type, and the policy template of the specified type is generated based on a plurality of configurable configuration items;

the obtaining unit 1002 is configured to obtain multiple insurance policy information to be generated based on the insurance policy template of the specified type, which is uploaded by the user after insurance policy information is entered;

the sending unit 1003 is configured to send the multiple pieces of policy information to be generated to a backend, so that the backend generates the policy of the specified type based on the multiple pieces of policy information to be generated, and generates the policy corresponding to the multiple pieces of policy information to be generated based on the policy of the specified type.

Optionally, in an embodiment, the template providing unit 1001 is configured to:

in response to an entry request for the insurance policy of the specified type, obtaining a template description of the insurance policy of the specified type from a product storage center;

acquiring a configuration item specified by the template description of the insurance policy of the specified type from a plurality of configuration items stored in the product storage center based on the template description of the insurance policy of the specified type;

and generating the insurance policy template of the specified type based on the template description of the insurance policy of the specified type and the configuration item specified by the acquired template description of the insurance policy of the specified type, and providing the insurance policy template of the specified type for the user.

Optionally, in an embodiment, the sending unit 1003 is configured to:

caching the plurality of insurance policy information to be generated in a cache unit at the front end;

based on the identification of the insurance policy template of the specified type, acquiring a first verification rule corresponding to the insurance policy of the specified type from the product storage center;

based on the first check rule, sequentially performing first check operation on the plurality of insurance policy information to be generated in the front-end cache unit, wherein the first check operation at least comprises one of integrity check operation, format check operation, information length check operation and non-empty check operation;

and after the first verification operation is completed on the plurality of insurance policy information to be generated, sending the target insurance policy information in the plurality of insurance policy information to be generated to the back end.

Optionally, in an embodiment, after the back-end sends, to the front-end, at least one to-be-generated policy information corresponding to the second verification operation failure, the front-end further includes:

a display unit 1004, configured to display, to the user, at least one to-be-generated insurance policy information corresponding to the second verification operation failure.

The front end 1000 can implement the method in the embodiment of the method in fig. 8, and specifically refer to the method for generating the policy in the embodiment shown in fig. 8, which is not described again.

Fig. 11 is a schematic structural diagram of a backend provided in the implementation of the present invention, and in a software implementation, the backend 1100 may include a first generating unit 1101 and a second generating unit 1102, where:

the first generation unit 1101 is configured to generate a policy of a specified type based on target policy information sent from a front end; the target insurance policy information is insurance policy information in a plurality of insurance policy information to be generated, which is acquired by a front end based on the insurance policy template of the specified type after the user uploads input insurance information, the insurance policy template of the specified type is provided for the front end in response to an input request aiming at the insurance policy of the specified type, the insurance policy of the specified type comprises a group policy and one of a plurality of insurance policies of the same type, and the insurance policy template of the specified type is generated based on a plurality of configurable configuration items;

the second generating unit 1102 is configured to generate the policy corresponding to the plurality of insurance policy information to be generated based on the policy of the specified type.

Optionally, in an embodiment, the first generating unit 1101 is configured to:

acquiring a second check rule corresponding to the insurance policy of the specified type from the product storage center based on the identification of the insurance policy template of the specified type;

performing second checking operation on the target insurance policy information based on the second checking rule, wherein the second checking operation at least comprises one of identity card checking operation, license plate number checking operation and contact way checking operation;

and after the target insurance policy information passes the second check operation, generating the standard insurance policy of the specified type based on the target insurance policy information.

Optionally, in an embodiment, when the insurance policy of the specified type is a policy, the second generating unit 1102 is configured to:

acquiring other insurance policy information except the target insurance policy information in the plurality of insurance policy information to be generated from a cache unit of the front end;

performing the second check-up operation on the other insurance policy information based on the second check-up rule;

after the other insurance policy information passes through the second check operation, copying the other insurance policy information into the standard insurance policy of the specified type, and generating the insurance policy corresponding to the plurality of insurance policy information to be generated.

Optionally, in an embodiment, when the policy of the specified type is a plurality of policies of the same type, the second generating unit 1102 is configured to:

acquiring other insurance policy information except the insurance policy information to be generated of the target from the plurality of insurance policy information to be generated from the cache unit of the front end;

and sequentially generating the insurance policies corresponding to the other insurance policy information based on the other insurance policy information by taking the standard insurance policy of the specified type as a template to obtain a plurality of insurance policies corresponding to the plurality of insurance policy information to be generated, wherein one insurance policy corresponds to one insurance policy information to be generated.

Optionally, in an embodiment, the backend further includes:

a second obtaining unit 1103, configured to, if the second checking operation fails, obtain, by the back end, at least one to-be-generated insurance policy information corresponding to the second checking operation failure;

a second sending unit 1104, where the back end sends at least one to-be-generated insurance policy information corresponding to the second verification operation failure to the front end.

The back end 1100 can implement the method of the method embodiment of fig. 9, which specifically refers to the method for generating the policy of the embodiment shown in fig. 9 and is not described again.

Fig. 12 is a schematic structural diagram of a system 1200 for generating a policy according to an embodiment of the present invention, and in a software implementation, the system 1200 for generating a policy may include a front end 1201 and a back end 1202, where:

the front end 1201 is used for responding to an entry request aiming at a specified type of insurance policy, providing a insurance policy template of the specified type for a user, so that the user enters insurance information based on the insurance policy template of the specified type, wherein the insurance policy of the specified type comprises a group policy and one of a plurality of insurance policies of the same type; acquiring a plurality of insurance policy information to be generated based on the insurance policy template of the specified type, which is uploaded by the user and input insurance information, and sending target insurance policy information in the insurance policy information to be generated to a back end; wherein the policy template of the specified type is generated based on a plurality of configurable configuration items

A backend 1202, configured to generate the policy of the specified type based on the target policy application information; and generating the insurance policy corresponding to the plurality of insurance policy information to be generated based on the insurance policy of the specified type.

Optionally, in an embodiment, the front end 1201 is configured to:

Optionally, in an embodiment, the back end 1202 is configured to:

Optionally, in one embodiment, when the policy of the specified type is a conglomeration, the backend 1202 is configured to:

Optionally, in an embodiment, when the policy of the specified type is a plurality of policies of the same type, the backend 1202 is configured to:

Alternatively, in one embodiment,

the back end sends at least one to-be-generated insurance policy information corresponding to the second inspection operation failure to the front end;

The generation system 1200 of the policy can implement the method embodiments shown in fig. 1 to 7, and specifically refer to the generation method of the policy shown in the embodiments shown in fig. 1 to 7, which is not described again.

Fig. 13 is a schematic structural diagram of an electronic device according to an embodiment of the present application. Referring to fig. 13, at the hardware level, the electronic device includes a processor, and optionally further includes an internal bus, a network interface, and a memory. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a non-volatile Memory, such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.

The processor, the network interface, and the memory may be connected to each other via an internal bus, which may be an ISA (Industry Standard Architecture) bus, a PCI (peripheral component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one double-headed arrow is shown in FIG. 13, but that does not indicate only one bus or one type of bus.

And the memory is used for storing programs. In particular, the program may include program code comprising computer operating instructions. The memory may include both memory and non-volatile storage and provides instructions and data to the processor.

The processor reads a corresponding computer program from the non-volatile memory into the memory and then runs the computer program, forming a front end on a logical level. The processor is used for executing the program stored in the memory and is specifically used for executing the following operations:

providing a insurance policy template of a specified type for a user in response to an entry request for insurance policies of the specified type, so that the user enters insurance information based on the insurance policy template of the specified type, wherein the insurance policy template of the specified type comprises a group policy and one of a plurality of insurance policies of the same type, and is generated based on a plurality of configurable configuration items;

acquiring a plurality of insurance policy information to be generated based on the insurance policy template of the specified type after the insurance policy information is uploaded and input by the user;

and sending the plurality of insurance policy information to be generated to a back end so that the back end generates the insurance policy of the specified type based on the plurality of insurance policy information to be generated, and generating the insurance policy corresponding to the plurality of insurance policy information to be generated based on the insurance policy of the specified type.

The method performed by the front end as disclosed in the embodiment of fig. 1 of the present application may be applied to or implemented by a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or instructions in the form of software. The Processor may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; but also Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components. The various methods, steps, and logic blocks disclosed in the embodiments of the present application may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of the method disclosed in connection with the embodiments of the present application may be directly implemented by a hardware decoding processor, or implemented by a combination of hardware and software modules in the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in a memory, and a processor reads information in the memory and completes the steps of the method in combination with hardware of the processor.

The electronic device may also execute the method of fig. 1 and implement the functions of the embodiment shown in fig. 1 of the front end, which are not described herein again in this embodiment of the present application.

Of course, besides the software implementation, the electronic device of the present application does not exclude other implementations, such as a logic device or a combination of software and hardware, and the like, that is, the execution subject of the following processing flow is not limited to each logic unit, and may also be hardware or a logic device.

Embodiments of the present application also provide a computer-readable storage medium storing one or more programs, where the one or more programs include instructions, which when executed by a portable electronic device including a plurality of application programs, enable the portable electronic device to perform the method of the embodiment shown in fig. 1, and are specifically configured to:

Fig. 14 is a schematic structural diagram of an electronic device according to an embodiment of the present application. Referring to fig. 14, at a hardware level, the electronic device includes a processor, and optionally further includes an internal bus, a network interface, and a memory. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a non-volatile Memory, such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.

The processor, the network interface, and the memory may be connected to each other via an internal bus, which may be an ISA (Industry Standard Architecture) bus, a PCI (peripheral component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one double-headed arrow is shown in FIG. 14, but that does not indicate only one bus or one type of bus.

The processor reads the corresponding computer program from the non-volatile memory into the memory and then runs the computer program, forming the back end on the logic level. The processor is used for executing the program stored in the memory and is specifically used for executing the following operations:

generating a policy of a specified type based on target policy information sent from a front end; the target insurance policy information is insurance policy information in a plurality of insurance policy information to be generated, which is acquired by a front end based on the insurance policy template of the specified type after the user uploads input insurance information, the insurance policy template of the specified type is provided for the front end in response to an input request aiming at the insurance policy of the specified type, the insurance policy of the specified type comprises a group policy and one of a plurality of insurance policies of the same type, and the insurance policy template of the specified type is generated based on a plurality of configurable configuration items;

generating a policy of a specified type based on target policy information sent from a front end; the target insurance policy information is insurance policy information in a plurality of insurance policy information to be generated, which is acquired by the front end based on the insurance policy template of the specified type after the insurance policy information is uploaded and input by the user, the insurance policy template of the specified type is provided for the user by the front end in response to the input request aiming at the insurance policy of the specified type, and the insurance policy of the specified type comprises a group policy and one of a plurality of insurance policies of the same type;

Of course, besides the software implementation, the electronic device in this specification does not exclude other implementations, such as logic devices or a combination of software and hardware, and the like, that is, the execution subject of the following processing flow is not limited to each logic unit, and may also be hardware or logic devices.

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.

In short, the above description is only a preferred embodiment of the present application, and is not intended to limit the scope of the present application. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.

While the present invention has been described with reference to the embodiments shown in the drawings, the present invention is not limited to the embodiments, which are illustrative and not restrictive, and it will be apparent to those skilled in the art that various changes and modifications can be made therein without departing from the spirit and scope of the invention as defined in the appended claims.

Claims

1. A method of generating a policy, comprising:

the front end acquires a plurality of pieces of insurance policy information to be generated based on the insurance policy template of the specified type uploaded and input by the user, and sends target insurance policy information in the plurality of pieces of insurance policy information to be generated to the back end;

the backend generates the standard insurance policy of the specified type based on the target insurance policy information;

and the back end generates the insurance policy corresponding to the plurality of insurance policy information to be generated based on the specified type of standard insurance policy.

2. The method of claim 1, wherein the front end, in response to an entry request for a specified type of policy, provides a user with a policy template of the specified type, comprising:

the front end responds to an entry request aiming at the insurance policy of the specified type, and obtains the template description of the insurance policy of the specified type from a product storage center;

the front end acquires a configuration item specified by the template description of the insurance policy of the specified type from a plurality of configuration items stored in the product storage center based on the template description of the insurance policy of the specified type;

and the front end generates the insurance policy template of the specified type based on the template description of the insurance policy of the specified type and the configuration item specified by the acquired template description of the insurance policy of the specified type, and provides the insurance policy template of the specified type for the user.

3. The method of claim 1, wherein the front end sending target policy information of the plurality of policy information to be generated to a back end, comprising:

the front end caches the information of the plurality of insurance policies to be generated in a cache unit of the front end;

the front end acquires a first verification rule corresponding to the insurance policy of the specified type from the product storage center based on the identifier of the insurance policy template of the specified type;

the front end performs first verification operation on the plurality of insurance policy information to be generated in the cache unit of the front end in sequence based on the first verification rule, wherein the first verification operation at least comprises one of integrity verification operation, format verification operation, information length verification operation and non-empty verification operation;

4. The method of claim 1, wherein the backend, based on the target policy information, generates the specified type of standard policy, comprising:

the backend acquires a second check rule corresponding to the insurance policy of the specified type from the product storage center based on the identifier of the insurance policy template of the specified type;

the backend performs a second check operation on the target insurance policy information based on the second check rule, wherein the second check operation at least comprises one of an identity card check operation, a license plate number check operation and a contact way check operation;

and after the target insurance policy information passes the second check operation, the backend generates the standard insurance policy of the specified type based on the target insurance policy information.

5. The method of claim 4, wherein when a specified type of policy is a conglomeration, the backend, based on a standard policy of the specified type, generates policies corresponding to the plurality of policy information to be generated, including:

the back end acquires other insurance policy information except the target insurance policy information from the plurality of insurance policy information to be generated from the cache unit of the front end;

the back end performs the second check operation on the other insurance application information based on the second check rule;

after the other insurance policy information passes the second check operation, the back end copies the other insurance policy information into the standard insurance policy of the specified type to generate the insurance policy corresponding to the plurality of insurance policy information to be generated.

6. The method of claim 4, wherein when a given type of policy is a plurality of policies of the same type, the backend, based on the given type of standard policy, generates policies corresponding to the plurality of policy information to be generated, comprising:

the back end acquires other insurance policy information except the insurance policy information to be generated from the plurality of insurance policy information to be generated from the cache unit of the front end;

and the back end sequentially generates the insurance policies corresponding to the other insurance policy information based on the other insurance policy information by taking the specified type of standard insurance policy as a template to obtain a plurality of insurance policies corresponding to the plurality of insurance policy information to be generated, wherein one insurance policy corresponds to one insurance policy information to be generated.

7. The method of claim 5 or 6, further comprising:

8. A policy generation method, applied to a front end, includes:

9. A policy generation method, applied to a backend, comprising:

10. A system for generating a policy, comprising:

the front end is used for responding to an input request aiming at a designated type of insurance policy, providing a designated type of insurance policy template for a user so that the user inputs insurance information based on the designated type of insurance policy template, wherein the designated type of insurance policy comprises a group policy and one of a plurality of insurance policies of the same type; acquiring a plurality of pieces of insurance policy information to be generated based on the insurance policy template of the specified type uploaded by the user and input insurance information, and sending target insurance policy information in the plurality of pieces of insurance policy information to be generated to a back end, wherein the insurance policy template of the specified type is generated based on a plurality of configurable configuration items;

generating the insurance policy of the specified type based on the target insurance policy information by the backend; and generating the insurance policy corresponding to the plurality of insurance policy information to be generated based on the insurance policy of the specified type.