CN111640029A

CN111640029A - Insurance application method and device, electronic equipment and storage medium

Info

Publication number: CN111640029A
Application number: CN202010307442.6A
Authority: CN
Inventors: 李彦奇
Original assignee: Taikang Insurance Group Co Ltd; Taikang Pension Insurance Co Ltd
Current assignee: Taikang Insurance Group Co Ltd; Taikang Pension Insurance Co Ltd
Priority date: 2020-04-17
Filing date: 2020-04-17
Publication date: 2020-09-08

Abstract

The invention provides a method and a device for insuring. The method comprises the following steps: receiving an application registration request, wherein the application registration request comprises a target enterprise identifier; identifying insurance parameters affecting the candidate insurance packages; responding to an insurance registration request, and outputting a first interface for prompting to input information of insurance parameters; receiving insurance application registration information input on a first interface, wherein the insurance application registration information comprises target insurance parameter information; auditing the application registration information; when the target user identity corresponding to the insurance application registration information is confirmed to be the employee identity corresponding to the target enterprise identification, acquiring and outputting a target insurance package matched with the target insurance parameter information from the candidate insurance packages; receiving an application request for a target insurance package; and responding to the insurance application request, and applying insurance to the target user according to the target insurance package. The invention can reduce the operation cost, ensure the safety of personal information of the staff and avoid being tampered.

Description

Insurance application method and device, electronic equipment and storage medium

Technical Field

The invention relates to the technical field of finance, in particular to an insurance application method and device, electronic equipment and a storage medium.

Background

With the rapid development of economy, in a more and more competitive business environment, more and more enterprises, companies and enterprise units, particularly numerous small and medium-sized micro-enterprises, choose to purchase a group risk as employee welfare, so that the loyalty of the employees is improved, and the competitive advantage is maintained. The group insurance is also called group insurance, which is to apply insurance under the name of the group by using the group as an insurance object and issue a total insurance contract by an insurer, the insurer provides insurance for members in the group according to the contract rule, and the members in the group are insured persons. It is not a specific dangerous species, and is a form of underwriting.

At present, in the group insurance sales insurance process, generally, the salespersons and the enterprise staff determine the insurance scheme, and staff list information needs to be imported into the insurance system for underwriting. The data format of the employee list does not necessarily meet the data format requirement of the insurance system, and the employee list often has the problems of data abnormity, non-standard format and the like. Then, format adjustment needs to be performed on the employee list to be imported, and the employee list needs to be imported again. Moreover, when the list needs to be changed (for example, the number of employees is increased or decreased) in the following process, the corresponding employee list needs to be modified each time, and then the list needs to be imported again. Obviously, this brings a lot of extra workload, which raises the operation cost. Moreover, most insurance lists (i.e. employee lists) need to be handled by multiple persons to enter the system, so that the safety and consistency of data are difficult to ensure.

Therefore, the insurance application method for the group insurance in the related art generally has the problems of high operation cost and poor safety of employee list information.

Disclosure of Invention

The embodiment of the invention provides an insurance application method and device, electronic equipment and a storage medium, and aims to solve the problems of higher operation cost and poor safety and consistency of employee list information of the insurance application method of the group insurance in the related technology.

In order to solve the technical problem, the invention is realized as follows:

in a first aspect, an embodiment of the present invention provides an application method, where the method includes:

receiving an application registration request, wherein the application registration request comprises a target enterprise identifier;

identifying insurance parameters affecting a candidate insurance package, wherein the candidate insurance package comprises each employee insurance package corresponding to the target enterprise identification, wherein each employee insurance package comprises at least one risk and a premium of each risk;

responding to the insurance application registration request, and outputting a first interface for prompting to input information of the insurance parameters;

receiving insurance application registration information input on the first interface, wherein the insurance application registration information comprises target insurance parameter information;

auditing the application registration information;

under the condition that the target user identity corresponding to the insurance application registration information is confirmed to be the employee identity corresponding to the target enterprise identification, acquiring and outputting a target insurance package matched with the target insurance parameter information from the candidate insurance packages;

receiving an application request for the target insurance package;

and responding to the insurance application request, and applying insurance to the target user according to the target insurance package.

Optionally, the identifying insurance parameters affecting the candidate insurance packages includes:

according to a first corresponding relation corresponding to the target enterprise identification, identifying a union set of first identity parameters in the first corresponding relation as insurance parameters influencing a candidate insurance package;

the first corresponding relation comprises a corresponding relation between first identity parameter information of the insured employee and the employee insurance package;

according to a second corresponding relation corresponding to the target enterprise identification, identifying a union set of second identity parameters in the second corresponding relation as insurance parameters influencing a candidate insurance package;

the second corresponding relation comprises a corresponding relation between second identity parameter information of the employee to be insured and the rate of the dangerous seeds, wherein the rate of the dangerous seeds is the rate of each dangerous seed in each employee insurance package in the first corresponding relation.

Optionally, the obtaining and outputting the target insurance package matched with the target insurance parameter information from the candidate insurance packages includes:

identifying target first identity parameter information in the target insurance parameter information;

according to the first corresponding relation, at least one target risk in the target insurance package matched with the target first identity parameter information and a target quota of each target risk are obtained;

identifying target second identity parameter information in the target insurance parameter information;

according to the second corresponding relation, acquiring a target rate of each target dangerous type matched with the target second identity parameter information;

calculating a target premium of each target dangerous type according to the target premium and the target rate corresponding to each target dangerous type;

outputting the target insurance package, the target insurance package including the at least one target risk, the target premium for each of the target risk, and the target premium.

Optionally, after the target insurance package matched with the target insurance parameter information is obtained and output from the candidate insurance packages and before the insurance package insurance request is received, the method further includes:

receiving an upgrade request for the target insurance package, wherein the upgrade request comprises a request for adding family insurance packages and/or a request for adding a premium to a first risk type in the target insurance package and/or adding a risk type to the target insurance package;

in response to the upgrade request, upgrading the target insurance package;

the receiving an application request for the target insurance package comprises:

receiving an application request of the upgraded target insurance package;

the response to the application request, the application of the insurance to the target user according to the target insurance package comprises the following steps:

and responding to the insurance application request, and applying insurance to the target object according to the upgraded target insurance package, wherein the target object comprises the target user or further comprises family members of the target user.

Optionally, when the upgrade request includes a premium value-added request for a first risk type in the target insurance package, the upgrading the target insurance package in response to the upgrade request includes:

according to the first corresponding relation, acquiring and outputting a target premium value-added interval corresponding to the first risk in the target insurance package matched with the target first identity parameter information;

the first corresponding relation also comprises the corresponding relation between the first identity parameter information of the insurance-participating staff and the staff insurance package and the guarantee value-added interval of each dangerous kind in the staff insurance package;

receiving the value-added amount selected in the target quota value-added interval;

and responding to the upgrading request, and upgrading the target premium and the target premium corresponding to the first risk in the target insurance package according to the value-added amount.

Optionally, when the upgrade request includes adding a family insurance package, the upgrading the target insurance package in response to the upgrade request includes:

acquiring a target family insurance package matched with the target first identity parameter information according to a third corresponding relation corresponding to the target enterprise identification;

the third corresponding relation comprises a corresponding relation between the first identity parameter information of the insured employee and the family insurance package;

and responding to the upgrading request, setting the insurance package corresponding to the target user as the target insurance package, and setting the insurance package of the family members of the target user as the target family insurance package.

Optionally, the auditing the application registration information includes:

acquiring an identity information list of an enterprise employee list corresponding to the target enterprise identifier through a target preset interface corresponding to the target enterprise identifier;

if the insurance application registration information is matched with a group of identity information in the identity information list, determining that the target user identity corresponding to the insurance application registration information is the employee identity corresponding to the target enterprise identifier;

and if the insurance application registration information is not matched with each group of identity information in the identity information list, determining that the target user identity corresponding to the insurance application registration information is not the employee identity corresponding to the target enterprise identification.

In a second aspect, an embodiment of the present invention further provides an application apparatus, where the apparatus includes:

the system comprises a first receiving module, a second receiving module and a third receiving module, wherein the first receiving module is used for receiving an insurance registration request which comprises a target enterprise identifier;

the identification module is used for identifying insurance parameters influencing a candidate insurance package, wherein the candidate insurance package comprises each employee insurance package corresponding to the target enterprise identification, and each employee insurance package comprises at least one risk and the premium of each risk;

the output module is used for responding to the insurance registration request and outputting a first interface for prompting the input of the information of the insurance parameters;

the second receiving module is used for receiving insurance application registration information input on the first interface, and the insurance application registration information comprises target insurance parameter information;

the auditing module is used for auditing the insurance registration information;

the acquisition module is used for acquiring and outputting a target insurance package matched with the target insurance parameter information from the candidate insurance packages under the condition that the target user identity corresponding to the insurance application registration information is confirmed to be the employee identity corresponding to the target enterprise identification;

the third receiving module is used for receiving an insurance application request of the target insurance package;

and the insurance application module is used for responding to the insurance application request and applying insurance to the target user according to the target insurance package.

The identification module comprises:

the first identification submodule is used for identifying a union set of first identity parameters in a first corresponding relation as insurance parameters influencing a candidate insurance package according to the first corresponding relation corresponding to the target enterprise identification;

the second identification submodule is used for identifying a union set of second identity parameters in the second corresponding relation as insurance parameters influencing the candidate insurance package according to the second corresponding relation corresponding to the target enterprise identification;

Optionally, the obtaining module includes:

the third identification submodule is used for identifying target first identity parameter information in the target insurance parameter information;

a first obtaining sub-module, configured to obtain, according to the first corresponding relationship, at least one target risk in a target insurance package matched with the target first identity parameter information and a target premium of each target risk;

the fourth identification submodule is used for identifying second target identity parameter information in the target insurance parameter information;

a second obtaining submodule, configured to obtain, according to the second correspondence, a target rate of each target risk type that is matched with the target second identity parameter information;

the calculation submodule is used for calculating the target premium of each target dangerous type according to the target premium and the target rate corresponding to each target dangerous type;

an output sub-module for outputting the target insurance package including the at least one target risk, the target premium for each of the target risk, and the target premium.

Optionally, the apparatus further comprises:

a fourth receiving module, configured to receive an upgrade request for the target insurance package, where the upgrade request includes a request for adding a family insurance package and/or a request for increasing a premium of a first risk type in the target insurance package and/or adding a risk type to the target insurance package;

the upgrading module is used for responding to the upgrading request and upgrading the target insurance package;

the third receiving module is further configured to receive an insurance application request for the upgraded target insurance package;

and the insuring module is further used for responding to the insuring request and insuring the target object according to the upgraded target insurance package, wherein the target object comprises the target user or further comprises family members of the target user.

Optionally, the upgrade module includes:

a third obtaining sub-module, configured to, when the upgrade request includes a premium value-added request for a first risk type in the target insurance package, obtain and output a target premium value-added interval corresponding to the first risk type in the target insurance package matched with the target first identity parameter information according to the first corresponding relationship;

the first receiving submodule is used for receiving the value-added amount selected in the target quota value-added interval;

and the upgrading submodule is used for responding to the upgrading request and upgrading the target premium and the target premium corresponding to the first risk in the target insurance package according to the value-added amount.

Optionally, the upgrade module includes:

a fourth obtaining sub-module, configured to, when the upgrade request includes an increase of a family insurance package, obtain, according to a third correspondence corresponding to the target enterprise identifier, a target family insurance package matched with the target first identity parameter information;

and the setting submodule is used for responding to the upgrading request, setting the insurance package corresponding to the target user as the target insurance package, and setting the insurance package of the family members of the target user as the target family insurance package.

Optionally, the auditing module includes:

the fourth obtaining sub-module is used for obtaining an identity information list of an enterprise employee list corresponding to the target enterprise identifier through a target preset interface corresponding to the target enterprise identifier;

the first determining submodule is used for determining that the target user identity corresponding to the insurance application registration information is the employee identity corresponding to the target enterprise identifier if the insurance application registration information is matched with a group of identity information in the identity information list;

and the second determining submodule is used for determining that the target user identity corresponding to the insurance application registration information is not the employee identity corresponding to the target enterprise identifier if the insurance application registration information is not matched with each group of identity information in the identity information list.

In a third aspect, an embodiment of the present invention further provides an electronic device, including: a memory, a processor and a computer program stored on the memory and executable on the processor, the computer program, when executed by the processor, implementing the steps of the application method.

In a fourth aspect, the embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the steps of the insurance method.

In the embodiment of the invention, the insurance registration request containing the target enterprise identifier is received, the insurance parameters of the employee insurance packages which can influence the target enterprise identifier are identified, and then the insurance registration information input by the user is received, wherein the insurance registration information comprises the target insurance parameter information corresponding to the insurance parameters, so that the target insurance packages matched with the target insurance parameter information can be selected from the candidate insurance packages, different insurance packages are provided according to different conditions of the enterprise employees, and the differentiation of the insurance packages of the employees of different levels of the same enterprise is ensured; in addition, before the target insurance package is selected, the user identity of the insurance registration information needs to be checked, and only under the condition that the user identity is the user identity corresponding to the target enterprise identifier, the target insurance package is selected, so that illegal personnel caused by leakage of the target enterprise identifier can be prevented from cheating on the insurance application of the group insurance of the target enterprise, the employee list of the enterprise does not need to be entered, the insurance application of the group insurance of each employee in the enterprise can be automatically realized, the operation cost is reduced, the problems of information leakage and information falsification caused in the online transmission process of the employee list are avoided, and the safety of personal information of the employee is ensured.

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 flow diagram of an application method of one embodiment of the present invention;

FIG. 2 is a block diagram of an application device according to one embodiment of the present invention;

fig. 3 is a schematic diagram of a hardware structure of an 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 invention mainly aims to provide a group insurance application method, which utilizes the internet technology to realize the whole flow of online registration, auditing and application and solves the problems of higher operation cost, unsafe data and poor data consistency of an offline transmission employee list caused by the way of leading the group insurance into the employee list in the traditional group insurance application process.

Referring to fig. 1, a flowchart of an insurance method according to an embodiment of the present invention is shown, where the method may be applied to a client of an insurance system, may be applied to a server of the insurance system, and may be applied to an insurance system including the client and the server. The method may specifically comprise the steps of:

step 101, receiving an application registration request, wherein the application registration request comprises a target enterprise identifier;

in an example, the method according to the embodiment of the present invention may generate a dedicated employee insurance registration two-dimensional code (the two-dimensional code may carry a registration link of an insurance system) for each enterprise in advance, and may further generate an enterprise invitation code for each enterprise at random in advance. For example, the enterprise invitation code is an enterprise identifier composed of 6 digits, and the authenticated user system is the staff of the enterprise by default.

The employee of the enterprise may request to access the registration page of the insurance system by scanning an insurance application registration two-dimensional code issued by the enterprise or recognizing the insurance application registration two-dimensional code using the terminal, and prompt the user to input an enterprise invitation code, so that the insurance application registration request includes the target enterprise identification, i.e., the enterprise invitation code input by the user.

In one embodiment, the target enterprise identification is an authenticated enterprise invitation code. Specifically, the method of the embodiment of the present invention may match the enterprise invitation code in the application registration request with a plurality of preset enterprise invitation codes, and if the enterprise invitation code in the application registration request can match a preset enterprise invitation code, it may be determined that the enterprise invitation code in the registration request passes the authentication.

For convenience of explanation, the target business id is referred to as the business invitation code of business 1 hereinafter.

Step 102, identifying insurance parameters affecting the candidate insurance packages;

wherein the candidate insurance packages comprise each employee insurance package corresponding to the target enterprise identification, wherein each employee insurance package comprises at least one risk and a premium of each risk;

then in order to be able to display a registration page in response to the application registration request, step 102 is executed, i.e., insurance parameters that can affect employee insurance packages configured for enterprise 1 are identified.

The employee insurance package herein may be understood as a basic insurance package. Any insurance package in the embodiment of the invention is a group insurance package, and the dangerous species in the package can include but not be limited to at least one of the following: regular life risks, medical risks and accident risks.

Before executing the method of the embodiment of the present invention, the enterprise insuring the group insurance and the sales personnel of the insurance company can agree on the employee insurance package of the group insurance which the enterprise 1 insurs for the employees of the enterprise. Thus, the number of employee insurance packages may be one or more, preferably more.

The insurance parameter is a parameter that can be used by the employee to insurance package specific content (here including the risk types, the amount of each risk type, and the premium).

An employee insurance package preferably includes a plurality of seeds.

103, responding to the insurance registration request, and outputting a first interface for prompting to input information of the insurance parameters;

step 102 may display a first interface (i.e., a registration page) by identifying the insurance parameters, so as to prompt the user to input actual information of each insurance parameter.

For example, the insurance parameters include age, company position, and the registration page may include an option for entering age, and an option for entering company position.

104, receiving insurance application registration information input on the first interface, wherein the insurance application registration information comprises target insurance parameter information;

wherein, the employee can input actual information of each insurance parameter on the registration page, for example, the information of age is 28; the information of the positions is a department manager. The insurance registration information input by the employee may include not only the information of the insurance parameters (i.e. the target insurance parameter information) but also other personal information such as name and gender.

105, auditing the insurance registration information;

when the application registration information is checked, whether a user corresponding to the application registration information is an employee of the enterprise 1 or not and whether the application registration information input by the user is consistent with personal information of the user provided by the enterprise 1 or not are mainly checked.

Optionally, in an embodiment, in step 105, an identity information list of an employee list of an enterprise corresponding to the target enterprise identifier may be obtained through a target preset interface corresponding to the target enterprise identifier; if the insurance application registration information is matched with a group of identity information in the identity information list, determining that the target user identity corresponding to the insurance application registration information is the employee identity corresponding to the target enterprise identifier; and if the insurance application registration information is not matched with each group of identity information in the identity information list, determining that the target user identity corresponding to the insurance application registration information is not the employee identity corresponding to the target enterprise identification.

Specifically, an enterprise (e.g., enterprise 1) that insures the community may provide a corresponding system interface (i.e., a target default interface corresponding to the target enterprise identity here) according to the platform standard protocol of the insurance system, which may access the enterprise's OA system. The insurance system of the embodiment of the invention can acquire the identity information of each employee in the enterprise employee list, namely the identity information list, from the OA system of the enterprise 1 through the system interface.

The insurance system may then match the insurance application registration information entered by the user with the identity information of each employee summarized in the list of identity information, and if the insurance application registration information matches the identity information of an employee, then the use of the enterprise invitation code to access the insurance system is a legitimate employee of enterprise 1 (e.g., user 1 is a department manager of enterprise 1). Conversely, if the application registration information does not match the identity information of each employee, it indicates that the user using the enterprise invitation code to access the insurance system is not a legitimate employee of enterprise 1.

Optionally, when it is determined that the target user identity corresponding to the application registration information is the employee identity corresponding to the target enterprise identifier, a mark indicating that the application registration information passes the audit may be made; and when the target user identity corresponding to the insurance registration information is determined not to be the employee identity corresponding to the target enterprise identifier, marking the insurance registration information as indicating that the verification is not passed.

It should be noted that each employee in the employee list of the enterprise is the insurance application object of the group insurance of enterprise 1.

In the embodiment of the invention, the identity information list of the enterprise employee list corresponding to the target enterprise identifier is obtained by utilizing the target preset interface corresponding to the target enterprise identifier, so that whether the user identity of the insurance application registration information requesting insurance application is a legal employee of the enterprise of the target enterprise identifier can be judged, the problem that the target enterprise identifier is stolen by an illegal employee for insurance application can be avoided, and the user identity verification when the group insurance of the enterprise is applied is effectively finished.

Optionally, in another embodiment, the review may also be performed manually while performing step 105. For example, when the enterprise 1 does not conveniently share the identity information list of the enterprise employee list to the insurance system of the insurance company, the employee (such as a personnel specialist) of the enterprise 1 can log in the insurance information, and manually check the insurance application registration information, and after receiving a check result which is submitted by the personnel specialist and indicates that the check is passed, the method of the embodiment of the invention can mark the insurance application registration information that indicates that the check is passed; after receiving the auditing result which is submitted by the personnel specialist and indicates that the auditing is not passed, the method of the embodiment of the invention can mark the insurance registration information as indicating that the auditing is not passed.

In the embodiment of the invention, the insurance registration information is audited by receiving the auditing result submitted manually, so that the problem that the identity information is stolen and tampered due to the transmission of the identity information of the enterprise staff can be avoided.

106, under the condition that the target user identity corresponding to the insurance application registration information is confirmed to be the employee identity corresponding to the target enterprise identification, acquiring and outputting a target insurance package matched with the target insurance parameter information from the candidate insurance packages;

for example, if the application registration information has a mark indicating that the audit is passed, it may be determined that the target user identity corresponding to the application registration information is the employee identity corresponding to the target enterprise identity.

Then a target insurance package matching the target insurance parameter information entered by user 1 may be obtained from employee insurance packages (e.g., multiple employee insurance packages) pre-configured for enterprise 1. The target insurance package may be one or more packages of the plurality of employee insurance packages.

That is to say, in the embodiment of the present invention, when configuring the employee insurance packages of enterprise 1, the applicable object conditions are also configured for each employee insurance package.

Thus, the target insurance package herein is an employee insurance package suitable for the target insurance parameter information (including the subject condition) of the user 1.

Step 107, receiving an insurance application request for the target insurance package;

when the number of the target insurance packages is multiple, the user can select one target insurance package to be applied, for example, to trigger an application operation.

And step 108, responding to the insurance application request, and applying insurance to the target user according to the target insurance package.

Wherein the target user may be insured according to the risk categories in the target insurance package and the premium and premium of each risk category. Wherein, the premium in the target insurance package is paid by the enterprise 1 without the payment of the target user.

Optionally, before step 101, the first corresponding relationship and the second corresponding relationship may be configured in advance in the embodiment of the present invention.

wherein, the first identity parameter information is the applicable object condition of each employee insurance package.

For example, the first identity parameter information comprises at least one of: age condition information (e.g., age group condition), sex condition information, job position (or job level) condition information, job type information. The first identity parameter information is personal information affecting employee insurance package types.

For example, the first correspondence for enterprise 1 may be expressed as:

the position below age 30 and common staff corresponds to basic insurance package 1;

age is 30-40, and the position is that the department manager corresponds to basic insurance package 2;

gender women, general staff of the job, correspond to the basic insurance package 3.

In addition, the second corresponding relation comprises a corresponding relation between the second identity parameter information of the employee to be insured and the rate of the dangerous seeds, wherein the rate of the dangerous seeds is the rate of each dangerous seed in each employee insurance package in the first corresponding relation.

Specifically, for example, the base insurance package 1 in the first correspondence relationship includes:

1-premium 1 of dangerous seed;

2-premium 2.

And the premium of each risk category in the basic insurance package 1 can be flexibly calculated according to the personal information (here, the second identity parameter information) of the employee who applies insurance. Thus, even though employee 1 and employee 2 of enterprise 1 are both suitable for insuring basic insurance package 1, the premiums of the two employees may be different.

The second identity parameter information may include age, social security, or the like, for example. And the second identity parameter information is personal information influencing the rate of each dangerous type in the employee insurance package.

Taking the risk category 1 of the basic insurance package 1 in the first corresponding relationship as an example, the second corresponding relationship can be expressed as:

the rate of the dangerous seed 1 is F (age).

Wherein, age represents age information, and origin represents whether social security exists, and if social security exists, origin is 1, and if social security does not exist, origin is 0. F represents the functional relationship, namely the corresponding relationship, between the rate and the age information of the dangerous species 1 in the basic insurance package 1 and whether social insurance exists. The function relationship is a preset rate calculation rule for the risk 1 in the basic insurance package 1.

It should be noted that, even if the same risk category is used, when the risk category belongs to different insurance packages, the functional relationship between the rate of the risk category and the second identity parameter information of the insured employee may be different.

In one example, Table 1 illustrates the contents of three insurance packages of one embodiment of the invention:

TABLE 1

Then, in this embodiment, when step 102 is executed, the following process may be implemented:

the first corresponding relation and the second corresponding relation can be configured for any enterprise needing insurance hedging in advance.

In the above example, the union of the first identity parameters in the first correspondence for enterprise 1 includes age, position, and gender. Thus, the insurance parameters identified herein that affect the candidate insurance package include the age, position, and gender of the three parameters.

And according to a second corresponding relation corresponding to the target enterprise identification, identifying a union set of second identity parameters in the second corresponding relation as insurance parameters influencing the candidate insurance package.

In the above example, the union of the second identity parameters in the second correspondence of the enterprise 1 includes two parameters, namely age and social security. The insurance parameters identified herein that affect the candidate insurance package include both age and social security.

In the embodiment of the invention, a first corresponding relation corresponding to a target enterprise identifier is utilized, wherein the first corresponding relation comprises a corresponding relation between first identity parameter information of an employee participating in insurance and an employee insurance package, and a union of first identity parameters influencing the type of the employee insurance package is identified as insurance parameters influencing a candidate insurance package corresponding to the target enterprise identifier; and utilizing a second corresponding relation corresponding to the target enterprise identification, wherein the second corresponding relation comprises a corresponding relation between second identity parameter information of the employee to be insured and the rate of the risk category, the rate of the risk category is the rate of each risk category in each employee insurance package in the first corresponding relation, and the second identity parameters influencing the rate of each risk category in each employee insurance package are combined and identified as the insurance parameters influencing the candidate insurance package. And prompting the user to input the insurance parameters, so that the received insurance registration information comprises the information of the user identity parameters influencing the content of the candidate insurance package of the target enterprise identification, thereby being convenient for accurately and comprehensively determining the target insurance package matched with the target insurance parameter information and realizing the personalized customization of insurance package types and insurance premium of different employees.

Alternatively, when step 106 is executed, it may be realized by S201 to S206:

s201, identifying target first identity parameter information in the target insurance parameter information;

the target first identity parameter information is parameter values input for each identity parameter in the first identity parameter union, for example, the first identity parameter union includes age, gender and position, and the target first identity parameter information identified here is age information, gender information and position information input by the user.

S202, acquiring at least one target risk in the target insurance package matched with the target first identity parameter information and a target premium of each target risk according to the first corresponding relation;

for example, the target first identity parameter information includes age 25, gender, general staff of position. The first correspondence of enterprise 1, as exemplified above, can be used to query for a matching target insurance package as base insurance package 1. And acquires information on the dangerous species in the basic insurance package 1, and the amount of each dangerous species.

The target risk includes the above-exemplified risk 1 and risk 2, and the target quota of the risk 1 is quota 1.

S203, identifying target second identity parameter information in the target insurance parameter information;

the target second identity parameter information is parameter values input to each identity parameter in the second identity parameter union, for example, the second identity parameter union includes age and social security, and the target second identity parameter information identified here is age information input by the user and whether social security exists (for example, social security exists).

S204, acquiring a target rate of each target dangerous type matched with the target second identity parameter information according to the second corresponding relation;

since the target risk includes risk 1 and risk 2, the target rate of risk 1 may be solved according to the above-mentioned example rate of risk 1, which is F (25, 1).

For example, F (25, 1) ═ 10%.

Similar methods can also be used to solve for the goal rate of seed 2.

The execution sequence between S201 and S203 is not limited in the present invention, and S204 is executed after S202 and S203.

S205, calculating a target premium of each target dangerous type according to the target premium and the target rate corresponding to each target dangerous type;

taking the calculation of the target premium for the risk type 1 as an example, the target premium for the risk type 1 is 1 × 10%, and the solution result is 200 yuan, for example. When the insurance is the user of the embodiment of the present invention, the premium 1 of the premium 1 corresponding to the risk type 1 in the basic insurance package 1 is 200 yuan.

S206, outputting the target insurance package which comprises the at least one target risk, the target premium of each target risk and the target premium.

For example, the target insurance package output here is the basic insurance package 1, specifically:

1-premium 1 of dangerous seed;

2-premium 2.

In the embodiment of the invention, the target risk types in the target insurance package suitable for the user identity and the target insurance amount of each target risk type can be determined according to the target first identity parameter information of the target user requesting to be insured; when the target insurance of each target dangerous type is determined, the target insurance premium of each target dangerous type suitable for the user identity parameter can be determined according to the target second identity parameter information of the target user, the insurance packages of different employees can be reasonably customized according to the personal information conditions of different employees, and when insurance of an insurance group is released, the released dangerous types and the insurance premiums are more flexible, but not all insurance is released according to a uniform insurance package.

Optionally, after step 106 and before step 107, the method according to the embodiment of the present invention may further include:

s301, receiving an upgrade request for the target insurance package, wherein the upgrade request comprises a request for adding family insurance packages and/or a request for increasing the premium of a first risk type in the target insurance package and/or adding a risk type to the target insurance package;

the method of the embodiment of the present invention may not only provide the basic insurance package in the insurance group insurance for the employee of the enterprise, but also upgrade the basic insurance package suitable for the identity of the target user provided by the enterprise (i.e. the target insurance package herein), and the upgraded content may include upgrading the insurance amount of at least one risk kind (i.e. the first risk kind herein) in the basic insurance package, for example, from 30 to 50 ten thousand. The upgraded content may also include insuring a family insurance package for family members of the target user based on insuring the base insurance package for the target user.

S302, responding to the upgrading request, and upgrading the target insurance package;

and upgrading the target insurance package according to the upgrading content corresponding to the upgrading request.

Then, in executing step 107, an application request for the upgraded target insurance package is received;

then in step 108, in response to the application request, applying an application to the target object according to the upgraded target insurance package, wherein the target object includes the target user or further includes a family member of the target user.

When the upgrading request comprises the addition of family insurance packages, the target object comprises a target user and family members of the target user; and when the upgrade request comprises a premium value-added request for the first risk type in the target insurance package, the target object comprises the target user.

It should be noted that, when a general enterprise applies insurance group insurance to employees, it is only responsible for paying the premium of the basic insurance package, and then after the employees upgrade the basic insurance package, the premium price difference generated after the upgrade is paid by the employees.

In the embodiment of the invention, the insurance content to be insured by the employee can be flexibly upgraded according to the personal requirements of the employee, specifically, the insurance amount of at least one security risk in the target insurance package suitable for the employee can be upgraded, and the family insurance packages can be added to the family members of the employee, so that when the enterprise applies group insurance to the employee of the enterprise, the employee can also flexibly upgrade the target insurance package provided by the enterprise according to the personal requirements, and the flexibility and customization of group insurance application are ensured.

Optionally, when the upgrade request includes a premium value request for the first risk in the target insurance package, that is, when the target user selects to upgrade the premium of the first risk in the target insurance package (which may be at least one risk in the target insurance package), in executing S302, the following may be implemented:

that is to say, the method of the embodiment of the present invention not only pre-configures the employee application conditions of each basic insurance package of the enterprise 1, but also configures a premium increment interval for each risk type in each basic insurance package, where the premium increment interval is an interval of the premium increment.

For example, in the first correspondence relationship as described above, the premium value section in which the risk types 1 of the basic insurance package 1 are arranged is 10w to 20w, and for example, the premium 1 corresponding to the risk types 1 in the basic insurance package 1 is 10 w.

And upgrading the premium of the dangerous type 1 in the basic insurance package 1 by using the selection of the user, and then obtaining and outputting the premium increment interval of 10 w-20 w.

wherein, the user can select an increment from 10 w-20 w, for example, the increment is 10w, i.e. the premium for the risk 1 is upgraded from 10w to 20 w.

Then the step can upgrade the premium of the risk type 1 in the basic insurance package 1 selected by the target user (from 10w to 20w) according to the value-added amount, and since the premium needs to be increased when the premium is upgraded, the target premium of the risk type 1 also needs to be upgraded according to the value-added amount. An adjusted target premium for the first risk may be calculated based on the target rate for the first risk and the adjusted target premium for the first risk.

In the above example, the target rate for the risk 1 for the user is 10%, and then the target premium for the upgraded risk 1 is 20w 10%.

In the embodiment of the invention, the target user can upgrade the insurance amount of the dangerous species in the target insurance package suitable for the target user, so that the enterprise insures the group insurance of the employee, and the employee can flexibly upgrade the insurance amount of the dangerous species in the suitable target insurance package according to the own insurance demand, thereby better meeting the insurance demand of the employee and improving the personal insurance application experience of the employee in the group insurance.

Optionally, when the upgrade request includes adding a family insurance package, in executing S302, the following may be implemented:

the method of the embodiment of the invention can configure the family insurance package for the enterprise which applies the insurance of the insurance group in advance, and the configured family insurance package is also configured based on the first identity parameter information of the insurance-participating staff.

For example, the third correspondence of enterprise 1 described above may be expressed as:

in the first correspondence relationship, an age of 30 or less and a position of ordinary staff may correspond to the basic insurance package 1; then, in the present embodiment, the age below 30, the position of ordinary staff may also correspond to the family insurance package 1;

in the first corresponding relation, the manager with age of 30-40 and position as department corresponds to the basic insurance package 2; then, in this embodiment, the manager with age of 30-40 and position as department may also correspond to family insurance package 2;

in the first correspondence, gender women, general staff of the job correspond to the basic insurance package 3; then, in this embodiment, the gender woman, the general staff member, may also correspond to the family insurance package 3.

Then, when the target user is 25 of age and general staff of position, the family insurance package 1 matched with the target first identity parameter information of the target user can be obtained, namely, the target family insurance package is obtained.

That is, the target user's insurance package for the base insurance package 1 may be set, while the insurance package for family members of the target user is set to the family insurance package 1.

Wherein, the information of the family members to be applied can be carried in the application registration information.

In the embodiment of the invention, the target user can increase the insurance application request for the family members, so that the enterprise can apply group insurance for the employees, and the employees can flexibly increase insurance application packages for the family members according to the insurance application requirements of the employees, so that the employees can apply insurance to the employees and the family members, the price is more favorable compared with that of independent insurance application, the insurance application in the group insurance is more favorable, and the personal insurance application experience of the employees in the group insurance is improved.

Optionally, when the upgrade request in S301 includes adding an insurance seed to the target insurance package, the method of the embodiment of the present invention may set an increasable insurance seed, a premium and a premium in advance for the basic insurance package corresponding to the target enterprise identifier.

Then, the target user may select the added dangerous case from the increasable dangerous cases corresponding to the target insurance package to perform insurance application, and the specific method is similar to the insurance application method of the above embodiment, and is not described here again.

In the embodiment of the invention, the target user can add dangerous seeds to the target insurance package suitable for the target user, so that the enterprise can guarantee the group insurance of the employee, and the employee can flexibly increase the suitable dangerous seeds in the target insurance package according to the own insurance demand, thereby better meeting the insurance demand of the employee and improving the personal insurance application experience of the employee in the group insurance.

In the above embodiments, the basic insurance package according to the embodiments of the present invention is a welfare provided by a group client (i.e. a business) for an insured life, and the group client pays an insurance fee; the upgrade insurance package is a value-added part which adds new dangerous seeds or guarantee amount on the basis of the basic package scheme. In addition, the value added part also includes a set of meals for family members, including parents, spouses, children, and the like. The value-added part of the fee is paid by the insured person. The insured life can choose to upgrade one or more risk seeds in the package according to the actual situation.

Optionally, in another embodiment, after step 107, if the application of the risk species in the target insurance package requires reference to the user's health information, after receiving the application request, prompting the user to enter personal health record information (e.g., in the form of a questionnaire of physical health conditions to obtain the health record information); then, the method of the embodiment of the invention can automatically carry out the underwriting on the premium and the premium of the dangerous species according to the health disease record information, and the underwriting result comprises refusing to apply the insurance, or adding a certain amount of the premium or directly applying the insurance; and outputting the result of the underwriting. When the insurance result is that the insurance application is refused or the insurance application is directly carried out, the user does not need to process the insurance application; and when the insurance result is that a certain amount of premium is added, the user needs to pay additional premium to ensure that the insurance of the target insurance package is finished, and if the additional premium is not paid, the insurance of the dangerous species in the target insurance package is automatically refused.

Referring to FIG. 2, a block diagram of an application device of one embodiment of the present invention is shown. The application device of the embodiment of the invention can realize the details of the application method in the embodiment and achieve the same effect. The insuring device shown in fig. 2 includes:

a first receiving module 21, configured to receive an application registration request, where the application registration request includes a target enterprise identifier;

an identifying module 22, configured to identify insurance parameters affecting a candidate insurance package, wherein the candidate insurance package includes each employee insurance package corresponding to the target enterprise identity, wherein each employee insurance package includes at least one risk and a premium for each risk;

the output module 23 is configured to output a first interface for prompting to input information of the insurance parameter in response to the insurance application registration request;

a second receiving module 24, configured to receive insurance application registration information input in the first interface, where the insurance application registration information includes target insurance parameter information;

the auditing module 25 is used for auditing the insurance registration information;

an obtaining module 26, configured to obtain and output a target insurance package matching the target insurance parameter information from the candidate insurance packages when it is determined that the target user identity corresponding to the insurance application registration information is the employee identity corresponding to the target enterprise identifier;

a third receiving module 27, configured to receive an application request for the target insurance package;

and the insurance application module 28 is used for responding to the insurance application request and applying insurance to the target user according to the target insurance package.

The identification module 22 includes:

Optionally, the obtaining module 26 includes:

Optionally, the apparatus further comprises:

the third receiving module 27 is further configured to receive an insurance application request for the upgraded target insurance package;

the application module 28 is further configured to apply an application to the target object according to the upgraded target insurance package in response to the application request, where the target object includes the target user or further includes a family member of the target user.

Optionally, the upgrade module includes:

Optionally, the auditing module 25 includes:

The application device provided by the embodiment of the invention can realize each process realized by the message display method in the method embodiment, and is not described again in order to avoid repetition.

The insurance application device receives an insurance application registration request containing a target enterprise identifier through the modules, identifies insurance parameters of employee insurance packages which can affect the target enterprise identifier, and then receives insurance application registration information input by a user, wherein the insurance application registration information comprises target insurance parameter information corresponding to the insurance parameters, so that the target insurance packages matched with the target insurance parameter information can be selected from candidate insurance packages, different insurance packages are provided according to different conditions of enterprise employees, and differentiation of the insurance packages of employees of the same enterprise at different levels is ensured; in addition, before the target insurance package is selected, the user identity of the insurance registration information needs to be checked, and only under the condition that the user identity is the user identity corresponding to the target enterprise identifier, the target insurance package is selected, so that illegal personnel caused by leakage of the target enterprise identifier can be prevented from cheating on the insurance application of the group insurance of the target enterprise, the employee list of the enterprise does not need to be entered, the insurance application of the group insurance of each employee in the enterprise can be automatically realized, the operation cost is reduced, the problems of information leakage and information falsification caused in the online transmission process of the employee list are avoided, and the safety of personal information of the employee is ensured.

Figure 3 is a schematic diagram of a hardware configuration of an electronic device implementing various embodiments of the invention,

the electronic device 400 includes, but is not limited to: radio frequency unit 401, network module 402, audio output unit 403, input unit 404, sensor 405, display unit 406, user input unit 407, interface unit 408, memory 409, processor 410, and power supply 411. Those skilled in the art will appreciate that the electronic device configuration shown in fig. 3 does not constitute a limitation of the electronic device, and that the electronic device may include more or fewer components than shown, or combine certain components, or a different arrangement of components. In the embodiment of the present invention, the electronic device includes, but is not limited to, a mobile phone, a tablet computer, a notebook computer, a palm computer, a vehicle-mounted terminal, a wearable device, a pedometer, and the like.

The processor 410 is configured to implement the processes of the application method in the foregoing embodiments, which are not described herein again.

It should be understood that, in the embodiment of the present invention, the radio frequency unit 401 may be used for receiving and sending signals during a message sending and receiving process or a call process, and specifically, receives downlink data from a base station and then processes the received downlink data to the processor 410; in addition, the uplink data is transmitted to the base station. Typically, radio unit 401 includes, but is not limited to, an antenna, at least one amplifier, a transceiver, a coupler, a low noise amplifier, a duplexer, and the like. Further, the radio unit 401 can also communicate with a network and other devices through a wireless communication system.

The electronic device provides wireless broadband internet access to the user via the network module 402, such as assisting the user in sending and receiving e-mails, browsing web pages, and accessing streaming media.

The audio output unit 403 may convert audio data received by the radio frequency unit 401 or the network module 402 or stored in the memory 409 into an audio signal and output as sound. Also, the audio output unit 403 may also provide audio output related to a specific function performed by the electronic apparatus 400 (e.g., a call signal reception sound, a message reception sound, etc.). The audio output unit 403 includes a speaker, a buzzer, a receiver, and the like.

The input unit 404 is used to receive audio or video signals. The input Unit 404 may include a Graphics Processing Unit (GPU) 4041 and a microphone 4042, and the Graphics processor 4041 processes image data of a still picture or video obtained by an image capturing apparatus (such as a camera) in a video capturing mode or an image capturing mode. The processed image frames may be displayed on the display unit 406. The image frames processed by the graphic processor 4041 may be stored in the memory 409 (or other storage medium) or transmitted via the radio frequency unit 401 or the network module 402. The microphone 4042 may receive sound, and may be capable of processing such sound into audio data. The processed audio data may be converted into a format output transmittable to a mobile communication base station via the radio frequency unit 401 in case of the phone call mode.

The electronic device 400 also includes at least one sensor 405, such as light sensors, motion sensors, and other sensors. Specifically, the light sensor includes an ambient light sensor that adjusts the brightness of the display panel 4061 according to the brightness of ambient light, and a proximity sensor that turns off the display panel 4061 and/or the backlight when the electronic apparatus 400 is moved to the ear. As one type of motion sensor, an accelerometer sensor can detect the magnitude of acceleration in each direction (generally three axes), detect the magnitude and direction of gravity when stationary, and can be used to identify the posture of an electronic device (such as horizontal and vertical screen switching, related games, magnetometer posture calibration), and vibration identification related functions (such as pedometer, tapping); the sensors 405 may also include a fingerprint sensor, a pressure sensor, an iris sensor, a molecular sensor, a gyroscope, a barometer, a hygrometer, a thermometer, an infrared sensor, etc., which will not be described in detail herein.

The display unit 406 is used to display information input by the user or information provided to the user. The Display unit 406 may include a Display panel 4061, and the Display panel 4061 may be configured in the form of a Liquid Crystal Display (LCD), an Organic Light-Emitting Diode (OLED), or the like.

The user input unit 407 may be used to receive input numeric or character information and generate key signal inputs related to user settings and function control of the electronic device. Specifically, the user input unit 407 includes a touch panel 4071 and other input devices 4072. Touch panel 4071, also referred to as a touch screen, may collect touch operations by a user on or near it (e.g., operations by a user on or near touch panel 4071 using a finger, a stylus, or any suitable object or attachment). The touch panel 4071 may include two parts, a touch detection device and a touch controller. The touch detection device detects the touch direction of a user, detects a signal brought by touch operation and transmits the signal to the touch controller; the touch controller receives touch information from the touch sensing device, converts the touch information into touch point coordinates, sends the touch point coordinates to the processor 410, receives a command from the processor 410, and executes the command. In addition, the touch panel 4071 can be implemented by using various types such as a resistive type, a capacitive type, an infrared ray, and a surface acoustic wave. In addition to the touch panel 4071, the user input unit 407 may include other input devices 4072. Specifically, the other input devices 4072 may include, but are not limited to, a physical keyboard, function keys (such as volume control keys, switch keys, etc.), a track ball, a mouse, and a joystick, which are not described herein again.

Further, the touch panel 4071 can be overlaid on the display panel 4061, and when the touch panel 4071 detects a touch operation thereon or nearby, the touch operation is transmitted to the processor 410 to determine the type of the touch event, and then the processor 410 provides a corresponding visual output on the display panel 4061 according to the type of the touch event. Although in fig. 3, the touch panel 4071 and the display panel 4061 are two independent components to implement the input and output functions of the electronic device, in some embodiments, the touch panel 4071 and the display panel 4061 may be integrated to implement the input and output functions of the electronic device, which is not limited herein.

The interface unit 408 is an interface for connecting an external device to the electronic apparatus 400. For example, the external device may include a wired or wireless headset port, an external power supply (or battery charger) port, a wired or wireless data port, a memory card port, a port for connecting a device having an identification module, an audio input/output (I/O) port, a video I/O port, an earphone port, and the like. The interface unit 408 may be used to receive input (e.g., data information, power, etc.) from an external device and transmit the received input to one or more elements within the electronic apparatus 400 or may be used to transmit data between the electronic apparatus 400 and an external device.

The memory 409 may be used to store software programs as well as various data. The memory 409 may mainly include a storage program area and a storage data area, wherein the storage program area may store an operating system, an application program required by at least one function (such as a sound playing function, an image playing function, etc.), and the like; the storage data area may store data (such as audio data, a phonebook, etc.) created according to the use of the cellular phone, and the like. Further, the memory 409 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device.

The processor 410 is a control center of the electronic device, connects various parts of the entire electronic device using various interfaces and lines, performs various functions of the electronic device and processes data by operating or executing software programs and/or modules stored in the memory 409 and calling data stored in the memory 409, thereby performing overall monitoring of the electronic device. Processor 410 may include one or more processing units; preferably, the processor 410 may integrate an application processor, which mainly handles operating systems, user interfaces, application programs, etc., and a modem processor, which mainly handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 410.

The electronic device 400 may further include a power supply 411 (e.g., a battery) for supplying power to various components, and preferably, the power supply 411 may be logically connected to the processor 410 through a power management system, so as to implement functions of managing charging, discharging, and power consumption through the power management system.

In addition, the electronic device 400 includes some functional modules that are not shown, and are not described in detail herein.

Preferably, an embodiment of the present invention further provides an electronic device, which includes a processor 410, a memory 409, and a computer program that is stored in the memory 409 and can be run on the processor 410, and when being executed by the processor 410, the computer program implements each process of the foregoing application method embodiment, and can achieve the same technical effect, and in order to avoid repetition, details are not described here again.

The embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the computer program implements each process of the above-mentioned application method embodiment, and can achieve the same technical effect, and in order to avoid repetition, details are not repeated here. The computer-readable storage medium may be a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk.

It should 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 insuring, the method comprising:

auditing the application registration information;

receiving an application request for the target insurance package;

2. The method of claim 1, wherein identifying insurance parameters that affect the candidate insurance packages comprises:

3. The method according to claim 2, wherein the obtaining and outputting the target insurance package matching the target insurance parameter information from the candidate insurance packages comprises:

4. The method of claim 3,

after the target insurance package matched with the target insurance parameter information is obtained and output from the candidate insurance packages and before the insurance package insurance request for the target insurance package is received, the method further comprises the following steps:

in response to the upgrade request, upgrading the target insurance package;

receiving an application request of the upgraded target insurance package;

5. The method of claim 4, wherein when the upgrade request comprises a premium value-added request for a first risk type in the target insurance package, said upgrading the target insurance package in response to the upgrade request comprises:

6. The method of claim 4, wherein when the upgrade request comprises an addition of a family insurance package, said upgrading the target insurance package in response to the upgrade request comprises:

7. The method of claim 1, wherein the reviewing the application registration information comprises:

8. An application device, the device comprising:

9. An electronic device, comprising: memory, processor and computer program stored on the memory and executable on the processor, which computer program, when executed by the processor, carries out the steps of the application method according to any one of claims 1 to 7.

10. A computer-readable storage medium, having stored thereon a computer program which, when executed by a processor, carries out the steps in the application method according to any one of claims 1 to 7.