CN111598527A - Insurance application method and device and electronic equipment - Google Patents
Insurance application method and device and electronic equipment Download PDFInfo
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Abstract
The application discloses an insurance application method, an insurance application device and electronic equipment, and relates to the technical field of insurance finance. The insurance server generates an insurance application task according to the user insurance application information under the condition of receiving the user insurance application information; pushing the insurance application task to the single terminal, so that the single terminal displays the insurance application task and approves the initial insurance application information carried in the insurance application task; receiving an insurance information approval result fed back by the order output terminal and approved target insurance information, calculating insurance cost according to the target insurance information under the condition that the approval result is approved, and generating an electronic insurance policy based on the insurance cost and the target insurance information; the electronic insurance policy is fed back to the user terminal and/or the order issuing terminal, so that the insurance application process can be effectively simplified.
Description
Technical Field
The application relates to the technical field of insurance finance, in particular to an insurance application method and device and electronic equipment.
Background
In some cases, a client needing to make an application can only fill a paper insurance intention bill through a business hall or provide insurance information through a telephone/WeChat of a salesman, then the salesman sends the insurance information to an individual member through WeChat, mail and the like, then the individual member manually checks the collected insurance information, and inputs the insurance information into an individual system in a manual input mode, and finally, the client needs to provide the paper insurance bill at the business hall or the salesman, reads the terms such as the insurance policy and the like and pays after the signature of the paper insurance policy, thereby completing the insurance service, resulting in complicated insurance process and low efficiency.
Disclosure of Invention
In view of the above problems, embodiments of the present application provide an application method, an application device, and an electronic device to simplify an application process and improve application efficiency.
In a first aspect, an application embodiment provides an insurance application method applied to an insurance server, where the method includes: under the condition that user insurance application information is received, generating an insurance application task according to the user insurance application information; pushing the insurance application task to a single issuing terminal, so that the single issuing terminal displays the insurance application task and approves initial insurance application information carried in the insurance application task; receiving an insurance information approval result fed back by the order issuing terminal and approved target insurance information, calculating insurance cost according to the target insurance information under the condition that the approval result is approved, and generating an electronic insurance policy based on the insurance cost and the target insurance information; and feeding back the electronic insurance policy to the user terminal and/or the policy issuing terminal.
In a second aspect, an application embodiment further provides an insurance device, which is applied to an insurance server, and the insurance device includes: the first receiving module is used for generating an insurance application task according to the user insurance application information under the condition of receiving the user insurance application information; the pushing module is used for pushing the insurance application task to a single issuing terminal so that the single issuing terminal can display the insurance application task and approve the initial insurance application information carried in the insurance application task; the second receiving module is used for receiving the insurance information approval result fed back by the issuing terminal and the approved target insurance information, calculating insurance cost according to the target insurance information under the condition that the insurance information approval result passes the approval, and generating the electronic insurance policy based on the insurance cost and the target insurance information; and the feedback module is used for feeding back the electronic insurance policy to the user terminal and/or the order issuing terminal.
In a third aspect, an embodiment of the present application further provides an electronic device, including: at least one processor; at least one memory coupled to the processor; wherein the memory stores program instructions executable by the processor, the processor invoking the program instructions to perform the method as described above.
In a fourth aspect, the present application further provides a computer-readable storage medium, where the storage medium stores computer instructions, and the computer instructions cause the computer to execute the method described above.
The embodiment of the application adopts at least one technical scheme which can achieve the following beneficial effects:
in the insurance application method, the insurance application device and the electronic equipment, the insurance server can realize the approval of the insurance application information, the calculation of insurance cost and the generation and feedback of the electronic insurance application bill through the information interaction with the bill output terminal under the condition that the insurance server receives the insurance application information of the user, thereby effectively simplifying the insurance application process and improving the insurance application efficiency.
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 embodiments will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present invention and therefore should not be considered as limiting the scope, and for those skilled in the art, other related drawings can be obtained according to the drawings without inventive efforts.
Fig. 1 is a schematic flow chart of an application method according to an exemplary embodiment of the present application.
Fig. 2 is a schematic flow chart of an application method according to another exemplary embodiment of the present application.
Fig. 3 is a block diagram of an application device according to an exemplary embodiment of the present application.
Fig. 4 is a block diagram of an electronic device provided in an exemplary embodiment of the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, 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, but not all, embodiments of the present invention. The components of embodiments of the present invention generally described and illustrated in the figures herein may be arranged and designed in a wide variety of different configurations.
Thus, the following detailed description of the embodiments of the present invention, presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures.
As shown in fig. 1, a schematic flow chart of an insurance application method provided for an embodiment of the present application may be executed by, but not limited to, an insurance server, and specifically may be executed by software or hardware in the insurance server. Referring again to fig. 1, the application method of the present embodiment may include the following steps.
And S110, generating an insurance application task according to the user insurance application information under the condition of receiving the user insurance application information.
The user insurance information at least comprises insurance applicant identity information and insurance types, the insurance information can comprise at least one of sex, age, occupation, residence address, identity card image, driving license image and other information of the insurance applicant, the insurance types can be car insurance, personal safety insurance, property insurance and the like, and the embodiment is not limited herein.
In addition, the user insurance information received by the insurance server can be submitted by the user through a user terminal or can be submitted by an insurance salesman through a sales terminal. The user terminal and the sales terminal can be mobile phones, tablet computers, notebooks, desktop computers and the like.
And S120, pushing the insurance application task to the single terminal, so that the single terminal displays the insurance application task and approves the initial insurance application information carried in the insurance application task.
The insurance server pushes the generated insurance application task to a single terminal, and the purpose of the insurance server is as follows: in order to ensure the reliability and integrity of the user's application information.
In practical applications, the order issuing terminal refers to an electronic device used by an order issuing person and the like, such as a mobile phone, a tablet, a notebook, a desktop computer and the like. As one implementation mode, when the order issuing terminal receives the insurance application task, manual approval can be carried out through an order issuing person, and automatic approval can also be carried out by utilizing a preset approval rule. For example, the order issuing person may obtain corresponding initial insurance information from the insurance server by clicking an insurance task to approve the initial insurance information, such as whether the insured object is compliant, the information of the applicant, whether the information of the insured object is complete, whether the order can be issued currently, whether manual addition of information is required, and the like.
S130, receiving the insurance information approval result fed back by the bill making terminal and the approved target insurance information, calculating insurance cost according to the target insurance information under the condition that the approval result is approved, and generating the electronic insurance policy based on the insurance cost and the target insurance information.
The approved target insurance application information is obtained after information deletion, information addition and the like are carried out on the basis of the initial insurance application information, so that the insurance application information generated by the electronic insurance application bill is comprehensive and accurate and meets the insurance application requirements. In addition, the calculation of the insurance cost is implemented based on the preset cost calculation rules corresponding to different types of insurance, for example, insurance applicants with different risk categories and different age groups may correspond to different cost calculation rules, which is described in this embodiment.
And S150, feeding back the electronic insurance policy to the user terminal and/or the order output terminal.
After the insurance expense and the electronic insurance policy are generated, the insurance expense and the electronic insurance policy are fed back to the user terminal and/or the policy issuing terminal, so that the insurance policy and/or the policy issuing terminal can conveniently approve and confirm the insurance information again, and the accuracy of the insurance information is ensured.
As one implementation mode, in the case that the insurance server only feeds back the electronic insurance policy to a single terminal, the policy issuing staff can share the electronic insurance information to the user terminal through a communication tool (such as WeChat, QQ, mail and the like) for information approval.
In the insurance application method, when receiving the insurance application information of the user, the insurance server realizes automatic approval of the insurance application information, insurance fee calculation and generation and feedback of the electronic insurance application bill through information interaction with the policy issuing terminal and the user terminal, thereby effectively simplifying the insurance application process and improving the insurance application efficiency. Meanwhile, the reliability of the application information can be ensured.
In an embodiment of the present application, the step of generating an application task according to the user application information in S110 may include: under the condition that the user insurance information comprises the image, the insurance server can utilize an Optical Character Recognition (OCR) module to recognize Character information carried in the image, and then generates an insurance application task based on the Character information and other information except the image in the user insurance information, so that the convenience in the process of acquiring or inputting information of an applicant can be further improved, and the insurance application efficiency is improved. The image may be an identification card image, a driver's license image, a passport image, or the like.
In an embodiment of the present application, the step of feeding back the electronic insurance policy to the user terminal and/or the policy issuing terminal in S150 may include: the insurance server generates an insurance information identification code according to the electronic insurance application form, and sends the insurance information identification code to the user terminal and/or the insurance issuing terminal, so that the user terminal and/or the insurance issuing terminal can preview the electronic insurance application form by identifying the insurance information identification code.
Optionally, the insurance information identification code may be a two-dimensional code, a bar code, or the like, and in this embodiment, by setting the technical feature of the insurance information identification code, on one hand, the security in the information transmission process can be improved, and on the other hand, an applicant or an order exit can perform quick preview, access, or the like of the electronic insurance policy through the insurance information identification code, so as to improve the insurance application experience in the insurance application process of the user.
In an embodiment of the present application, as shown in fig. 2, on the basis of the insurance method given in the foregoing S110 to S150, the insurance method given in this embodiment may further include S210 to S240 shown in fig. 2, so as to further ensure the reliability of the insurance information while simplifying the insurance process and improving the insurance efficiency, as follows. It is understood that the insurance method shown in fig. 2 can be executed by, but not limited to, an insurance server, and specifically can be executed by software or hardware in the insurance server.
And S210, receiving the electronic signature information fed back by the user terminal or the order-issuing terminal.
The electronic signature information is obtained by the user terminal or the order-issuing terminal according to the received user signature operation. For example, when the user terminal or the order issuing terminal displays the electronic insurance policy, a preset CA signature control can respond to user signature operation initiated by the applicant based on a touch screen and the like on the user terminal or the order issuing terminal, so as to obtain electronic signature information.
In practical application, after the user terminal or the issuing terminal obtains the electronic signature information, in order to ensure the security of information transmission, the CA signature control can be used for packaging and encrypting the electronic signature information and then sending the electronic signature information to the insurance server.
S220, adding the electronic signature information to the electronic insurance policy, and feeding back information addition completion notification to the user terminal so that the user terminal or the issuing terminal can display an information verification interface.
After the electronic signature information is added, in order to ensure that the insurance information and the like acquired by the insurance server are the real requirements of the insurance applicant and not the vicious insurance application behaviors of other users, in this embodiment, an information addition completion notification is sent to the user terminal to trigger the user terminal to display an information verification interface, so as to verify the identity information of the insurance applicant.
And S230, under the condition that an information verification request sent by the user terminal or the order issuing terminal is received, sending the information verification request and the electronic insurance policy added with the electronic signature information to a third-party server, so that the third-party server sends first verification information to the user terminal.
The information verification request can be sent to the insurance server by the user terminal after being triggered by the applicant based on the information verification interface displayed by the user terminal. The third-party server may be, but is not limited to, a server used by the china insurance supervision and management committee to monitor the validity of the insurance process, so as to avoid the generation of a malignant insurance policy, such as an insurance order for an insurance company to increase the traffic volume, but not increase the insurance policy illegally.
In practical application, after receiving the electronic insurance policy, the insurance server can send first verification information to a user terminal carried by the insurance applicant according to the information (such as telephone number, mail address and the like) of the insurance applicant carried in the electronic insurance policy to carry out insurance applicant identity verification.
Optionally, the first verification information may be composed of at least one of numbers, characters, chinese characters, and the like, and the first verification information may be sent to the applicant in a short message, an email, and the like, which is not limited in this embodiment.
S240, when the second check information sent by the user terminal is received, the second check information and the electronic insurance policy added with the electronic signature information are sent to the third-party server, so that the third-party server carries out insurance applicant identity verification based on the first check information, the second check information and the electronic insurance policy added with the electronic signature information.
The second check information is obtained by the applicant according to the received first check information and is sent to the insurance server through the user terminal, and in actual implementation, the second check information may be consistent with the first check information or derived based on the first check information and combined with a predetermined rule, for example, an addition rule, a subtraction rule, and the like.
In practical application, when the third-party server performs insurance applicant identity verification based on the first verification information, the second verification information and the electronic insurance policy added with the electronic signature information, on one hand, whether the electronic insurance application information received twice is matched or not needs to be confirmed, on the other hand, whether the first verification information and the second verification information are matched or not needs to be confirmed, and under the condition that the first verification information and the second verification information are matched, the insurance applicant identity verification is judged to be passed, otherwise, the insurance applicant identity verification is judged not to be passed.
In addition, after the third-party server obtains the corresponding verification result, the third-party server needs to feed back the verification result to the insurance server, so that the insurance server can correspondingly process the electronic insurance policy, such as terminating the insurance policy, reminding the applicant of paying the insurance policy amount, and the like.
In the insurance application method provided in the foregoing S210 to S250, the identity of the applicant can be further ensured to be reliable, and the benefit of the applicant can be ensured.
In an embodiment of the present application, after the identity information of the applicant and the generation of the electronic insurance policy are completed, in order to further simplify the insurance application process, the insurance application method provided in this embodiment may further include: and feeding back a policy payment notice to the user terminal for policy payment under the condition that the authentication result fed back by the third-party server is received and the authentication result is that the authentication is passed.
In practical application, the user terminal can directly jump to an insurance payment interface under the condition of receiving the insurance policy payment notice, and the insurance payment interface can be preset with various payment modes which can be selected by an applicant, such as on-line payment, for example, WeChat payment, Paibao payment, bank card payment and the like, or off-line payment, for example, counter payment and the like. For example, if the applicant selects and triggers any on-line payment method, the user terminal may send a payment request to the insurance server according to the payment method selected by the applicant, and then the insurance server invokes a corresponding payment system (such as a pay bank payment system, a WeChat payment system, etc.) to generate a payment link, and feeds back the payment link to the user terminal for display, and finally, the applicant completes payment of insurance fees based on the payment link, and after completing the payment, the payment system feeds back a payment result to the user terminal and the insurance server to end the insurance process.
In one embodiment of the present application, in order to further ensure the consistency between the applicant and the insured object and effectively control the real identity of the applicant, the insurance server may verify the identity information of the applicant again before executing S210. For example, the insurance server can call preset insurance applicant image information according to insurance applicant identity information in user insurance application information under the condition of receiving face image information sent by the user terminal; and comparing the face image information with preset image information, and executing the step of receiving the electronic signature information fed back by the user terminal or the single-out terminal under the condition that the comparison result is consistent.
In practical application, the insurance server can call insurance applicant image information (such as face images and the like) preset in a public security system and the like through insurance applicant identity information so as to compare the insurance server with the received face image information. The identity information of the applicant can be an identity card number, a driving license number and the like. In addition, the face image information sent by the user terminal may be obtained by the applicant by shooting based on a camera on the user terminal, and the embodiment is not limited to this.
As can be seen from the application methods given above, the present application has at least the following technical effects.
The insurance application method provided by the application realizes an online and automatic insurance application process among the insurance server, the user terminal, the sales terminal, the order issuing terminal, the third-party server and the payment system, and can communicate the online communication and information transmission of clients, salesmen and the order issuing personnel in an online and mobile mode without the need of the insurance applicant to go to a business hall or the need of the salesmen to meet the online of the insurance applicant, thereby rapidly and accurately carrying out the processes of acquisition and input of insurance application information, approval and signing of electronic insurance application, authentication of the insurance applicant, online payment of insurance fee and the like. The insurance application mode of the insurance application flow, which can be realized only by off-line information communication, submission of insurance application information by filling in a paper form, signature on a paper insurance policy and the like, of the insurance application person or the salesperson in the related technology is changed, the insurance application efficiency is effectively improved, and the accuracy of the insurance application information is high.
As shown in fig. 3, a block diagram of an application apparatus 300 is shown, according to an exemplary embodiment, where the application apparatus 300 is applicable to an electronic device. Referring to fig. 3, the application device 300 includes a first receiving module 310, a pushing module 320, a second receiving module 330, and a feedback module 30.
The first receiving module 310 is configured to generate an application task according to the user application information when the user application information is received.
The pushing module 320 is configured to push the insurance application task to a single issuing terminal, so that the single issuing terminal displays the insurance application task and approves the initial insurance application information carried in the insurance application task.
The second receiving module 330 is configured to receive the insurance information approval result fed back by the policy issuing terminal and the approved target insurance information, calculate an insurance cost according to the target insurance information when the insurance information approval result passes the approval, and generate an electronic insurance policy based on the insurance cost and the target insurance information.
And the feedback module 340 is used for feeding back the electronic insurance policy to the user terminal and/or the policy issuing terminal.
The specific manner in which the respective modules perform operations has been described in detail in the embodiment of the method with respect to the apparatus 300 in the present embodiment, and will not be elaborated here.
The insurance application device 300 provided by the embodiment of the application has at least the following technical effects.
The application provides an insurance device 300, realized an online, automatic insurance process between insurance server, user terminal, sales terminal, the terminal of issuing an order, third party's server and payment system, need not the applicant to go to the business office or the salesperson meets with the applicant line, can pass through the mode of line-up, removal, get through the online communication and the information transfer of customer, salesperson, the person who issues an order, the collection of the information of issuing an insurance, type, the approval of electron insurance issuing an order, the flow such as the authentication of signature, applicant's identity verification and the online payment of insurance expense of carrying out fast accurate. The insurance application mode of the insurance application flow, which can be realized only by off-line information communication, submission of insurance application information by filling in a paper form, signature on a paper insurance policy and the like, of the insurance application person or the salesperson in the related technology is changed, the insurance application efficiency is effectively improved, and the accuracy of the insurance application information is high.
Referring to fig. 4, a block diagram of an electronic device 400 according to an example embodiment is provided, where the electronic device 400 may include at least a processor 410 and a memory 420 for storing instructions executable by the processor 410. Wherein the processor 410 is configured to execute instructions to implement all or part of the steps of the application method as in the above embodiments.
The processor 410 and the memory 420 are electrically connected directly or indirectly to enable data transmission or interaction. For example, the components may be electrically connected to each other via one or more communication buses or signal lines.
Wherein the processor 410 is used to read/write data or programs stored in the memory and perform corresponding functions.
The memory 420 is used for storing programs or data, such as instructions executable by the processor 410. The Memory 420 may be, but is not limited to, a Random Access Memory (RAM), a Read Only Memory (ROM), a Programmable Read-Only Memory (PROM), an Erasable Read-Only Memory (EPROM), an electrically Erasable Read-Only Memory (EEPROM), and the like.
Further, as a possible implementation, the electronic device 400 may also include power components, multimedia components, audio components, input/output (I/O) interfaces, sensor components, and communication components, among others.
The power supply components provide power to the various components of the electronic device 400. The power components may include a power management system, one or more power supplies, and other components associated with generating, managing, and distributing power for electronic device 400.
The multimedia components include a screen that provides an output interface between the electronic device 400 and the user. In some embodiments, the screen may include a Liquid Crystal Display (LCD) and a Touch Panel (TP). If the screen includes a touch panel, the screen may be implemented as a touch screen to receive an input signal from a user. The touch panel includes one or more touch sensors to sense touch, slide, and gestures on the touch panel. The touch sensor may not only sense the boundary of a touch or slide action, but also detect the duration and pressure associated with the touch or slide operation. In some embodiments, the multimedia component includes a front facing camera and/or a rear facing camera. The front camera and/or the rear camera may receive external multimedia data when the electronic device 400 is in an operating mode, such as a shooting mode or a video mode. Each front camera and rear camera may be a fixed optical lens system or have a focal length and optical zoom capability.
The audio component is configured to output and/or input an audio signal. For example, the audio component includes a Microphone (MIC) configured to receive an external audio signal when the electronic device 400 is in an operational mode, such as a call mode, a recording mode, and a voice recognition mode. The received audio signal may further be stored in the memory 420 or transmitted via the communication component. In some embodiments, the audio assembly further comprises a speaker for outputting audio signals.
The I/O interface provides an interface between the processing component and a peripheral interface module, which may be a keyboard, click wheel, button, etc. These buttons may include, but are not limited to: a home button, a volume button, a start button, and a lock button.
The sensor assembly includes one or more sensors for providing various aspects of status assessment for the electronic device 400. For example, the sensor component may detect an open/closed state of the electronic device 400, the relative positioning of components, such as a display and keypad of the electronic device 400, the sensor component may also detect a change in position of the electronic device 400 or a component of the electronic device 400, the presence or absence of user contact with the electronic device 400, orientation or acceleration/deceleration of the electronic device 400, and a change in temperature of the electronic device 400. The sensor assembly may include a proximity sensor configured to detect the presence of a nearby object in the absence of any physical contact. The sensor assembly may also include a light sensor, such as a CMOS or CCD image sensor, for use in imaging applications. In some embodiments, the sensor assembly may further include an acceleration sensor, a gyroscope sensor, a magnetic sensor, a pressure sensor, or a temperature sensor.
The communication components are configured to facilitate wired or wireless communication between the electronic device 400 and other devices. The electronic device 400 may access a wireless network based on a communication standard, such as WiFi, a carrier network (such as 2G, 3G, 4G, or 5G), or a combination thereof. In an exemplary embodiment, the communication component receives a broadcast signal or broadcast related information from an external broadcast management system via a broadcast channel. In one exemplary embodiment, the communication component further includes a Near Field Communication (NFC) module to facilitate short-range communications. For example, the NFC module may be implemented based on Radio Frequency Identification (RFID) technology, infrared data association (IrDA) technology, Ultra Wideband (UWB) technology, Bluetooth (BT) technology, and other technologies.
In an exemplary embodiment, the electronic device 400 may be implemented by one or more Application Specific Integrated Circuits (ASICs), Digital Signal Processors (DSPs), Digital Signal Processing Devices (DSPDs), Programmable Logic Devices (PLDs), Field Programmable Gate Arrays (FPGAs), controllers, micro-controllers, microprocessors or other electronic components for performing the above-described methods.
It should be understood that the configuration shown in fig. 4 is merely a schematic diagram of the configuration of the electronic device 400, and that the electronic device 400 may also include more or fewer components than shown in fig. 4, or have a different configuration than shown in fig. 4. The components shown in fig. 4 may be implemented in hardware, software, or a combination thereof. In addition, the electronic device may be a server, a computer, or the like, which is not limited in this embodiment.
In an exemplary embodiment, a non-transitory computer-readable storage medium comprising instructions, such as a memory comprising instructions, executable by a processor of an electronic device to perform the above-described application method is also provided. For example, the non-transitory computer readable storage medium may be a ROM, a Random Access Memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.
Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This application is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.
It will be understood that the present disclosure is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.
Claims (10)
1. An insurance application method, applied to an insurance server, the method comprising:
under the condition that user insurance application information is received, generating an insurance application task according to the user insurance application information;
pushing the insurance application task to a single issuing terminal, so that the single issuing terminal displays the insurance application task and approves initial insurance application information carried in the insurance application task;
receiving an insurance information approval result fed back by the order issuing terminal and approved target insurance information, calculating insurance cost according to the target insurance information under the condition that the approval result is approved, and generating an electronic insurance policy based on the insurance cost and the target insurance information;
and feeding back the electronic insurance policy to the user terminal and/or the policy issuing terminal.
2. The application method of claim 1, wherein the step of generating an application task based on the user application information comprises:
and under the condition that the user insurance information comprises an image, recognizing character information carried in the image by using an optical character recognition module, and generating the insurance application task based on the character information and other information except the image in the user insurance application information.
3. The insurance method according to claim 1, wherein the step of feeding back the electronic insurance policy to the user terminal and/or the issuing terminal comprises:
and generating an insurance information identification code according to the electronic insurance application form, and sending the insurance information identification code to the user terminal and/or the issuing terminal so that the user terminal and/or the issuing terminal can preview the electronic insurance application form by identifying the insurance information identification code.
4. The insurance method according to claim 1, wherein after the step of feeding back the electronic insurance policy to the user terminal and/or the invoice terminal, the method further comprises:
receiving electronic signature information fed back by the user terminal or the order issuing terminal, wherein the electronic signature information is obtained by the user terminal or the order issuing terminal according to the received user signature operation;
adding the electronic signature information to the electronic insurance policy, and feeding back a message addition completion notice to the user terminal so that the user terminal or the issuing terminal can display a message verification interface;
under the condition of receiving an information verification request sent by the user terminal or the order issuing terminal, sending the information verification request and an electronic insurance policy for finishing the addition of electronic signature information to a third-party server, so that the third-party server sends first verification information to the user terminal;
and when second verification information sent by the user terminal is received, sending the second verification information and the electronic insurance policy added with the electronic signature information to the third-party server, so that the third-party server carries out insurance applicant identity verification based on the first verification information, the second verification information and the electronic insurance policy added with the electronic signature information.
5. The application method according to claim 4, wherein after the step of sending the second verification information and the electronic application slip with the addition of the electronic signature information completed to the third-party server, the method further comprises:
and feeding back a policy payment notice to the user terminal for policy payment under the condition that the authentication result fed back by the third-party server is received and the authentication result is that the authentication is passed.
6. The insurance method according to claim 4, wherein the step of receiving the electronic signature information fed back by the user terminal or the issuing terminal is preceded by the method further comprising:
under the condition of receiving face image information sent by a user terminal, calling preset applicant image information according to applicant identity information in the user insurance information;
and comparing the face image information with preset image information, and executing the step of receiving the electronic signature information fed back by the user terminal or the order-issuing terminal under the condition that the comparison result is consistent.
7. An insurance method according to any one of claims 1 to 6, wherein the user insurance information includes at least applicant identity information and insurance type.
8. An insurance application device, applied to an insurance server, the device comprising:
the first receiving module is used for generating an insurance application task according to the user insurance application information under the condition of receiving the user insurance application information;
the pushing module is used for pushing the insurance application task to a single issuing terminal so that the single issuing terminal can display the insurance application task and approve the initial insurance application information carried in the insurance application task;
the second receiving module is used for receiving the insurance information approval result fed back by the issuing terminal and the approved target insurance information, calculating insurance cost according to the target insurance information under the condition that the insurance information approval result passes the approval, and generating the electronic insurance policy based on the insurance cost and the target insurance information;
and the feedback module is used for feeding back the electronic insurance policy to the user terminal and/or the order issuing terminal.
9. An electronic device, comprising:
at least one processor;
at least one memory coupled to the processor;
wherein the memory stores program instructions executable by the processor, the processor invoking the program instructions to perform the method of any of claims 1 to 7.
10. A computer-readable storage medium, wherein the storage medium stores computer instructions that cause the computer to perform the method of any one of claims 1 to 7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010318077.9A CN111598527A (en) | 2020-04-21 | 2020-04-21 | Insurance application method and device and electronic equipment |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202010318077.9A CN111598527A (en) | 2020-04-21 | 2020-04-21 | Insurance application method and device and electronic equipment |
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| CN111598527A true CN111598527A (en) | 2020-08-28 |
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| CN202010318077.9A Pending CN111598527A (en) | 2020-04-21 | 2020-04-21 | Insurance application method and device and electronic equipment |
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