CN111652745A - System, method, electronic device and storage medium for managing insurance waiting period - Google Patents
System, method, electronic device and storage medium for managing insurance waiting period Download PDFInfo
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- CN111652745A CN111652745A CN202010467669.7A CN202010467669A CN111652745A CN 111652745 A CN111652745 A CN 111652745A CN 202010467669 A CN202010467669 A CN 202010467669A CN 111652745 A CN111652745 A CN 111652745A
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Abstract
The embodiment of the application provides a system, a method, an electronic device and a storage medium for managing an insurance waiting period, which are used for reasonably planning the waiting period of overlapping responsibilities in an insurance product. The method comprises the following steps: front end system and middlebox system, wherein: a front-end system for determining insurance products purchased by a user; the middle platform system comprises a checking platform and a list output platform; the verification platform is used for judging whether the user purchases a second insurance product corresponding to the first insurance product or not when the insurance product purchased by the user is determined to be the first insurance product, and sending first indication information to the order issuing platform when the user is determined to purchase the second insurance product corresponding to the first insurance product; and the order issuing platform is used for detecting whether the overlapped insurance responsibility has a first identifier or not when receiving the first indication information sent by the verification platform, and determining the waiting period of the overlapped insurance responsibility in the first insurance product based on the waiting period of the overlapped insurance responsibility in the second insurance product when detecting the first identifier.
Description
Technical Field
The present invention relates to the field of computers, and in particular, to a system, a method, an electronic device, and a storage medium for managing an insurance waiting period.
Background
Under the influence of the internet environment, the speed of adding and updating the insurance products is faster and faster, and various insurance products appear. Some insurance products contain a plurality of insurance responsibilities, some insurance products contain only one insurance responsibility, and the situation that the insurance responsibilities are overlapped can inevitably occur in all the insurance products released by insurance companies. Therefore, when a user purchases a certain insurance product, the insurance product may overlap with the responsibility of other insurance products purchased by the user, so that the user needs to wait for the overlapping insurance responsibility to enjoy the guarantee of the insurance responsibility, and the purchase desire of the consumer is influenced.
Therefore, how to properly plan the waiting period of overlapping liability between the currently purchased insurance product and the purchased insurance product is a matter of consideration.
Disclosure of Invention
Embodiments of the present application provide a system, a method, an electronic device, and a storage medium for managing an insurance waiting period, which are used to reasonably plan a waiting period of overlapping responsibilities in currently purchased insurance products and purchased insurance products.
In a first aspect, a system for managing an insurance waiting period is provided, comprising: front end system and middlebox system, wherein:
the front-end system is used for determining insurance products purchased by the user;
the middle platform system comprises a checking platform and a single output platform;
the verification platform is used for judging whether the user purchases a second insurance product corresponding to a first insurance product when the front-end system determines that the insurance product purchased by the user is the first insurance product, and sending first indication information to the issuing platform when determining that the user purchases the second insurance product corresponding to the first insurance product, wherein the first indication information is used for indicating that overlapping insurance responsibilities exist in the first insurance product and the second insurance product;
the order issuing platform is used for detecting whether the overlapped insurance responsibility has a first identifier or not when first indication information sent by the verification platform is received, and determining the waiting period of the overlapped insurance responsibility in the first insurance product based on the waiting period of the overlapped insurance responsibility in the second insurance product when the first identifier is detected;
the first identifier is used for indicating that the overlapped insurance responsibility is preset purchasable responsibility, and the waiting period is used for indicating the remaining time required for enjoying the guarantee corresponding to the insurance responsibility.
Optionally, the middle station system further includes: acquiring a platform;
the obtaining platform is used for obtaining the effective date of the second insurance product and the effective date of the first insurance product, so that the order issuing platform determines the waiting period of the overlapped insurance responsibilities in the first insurance product according to the effective date of the second insurance product and the effective date of the first insurance product.
Optionally, the middle station system further includes: a computing platform;
the computing platform is used for computing the difference value between the effective date of the second insurance product and the effective date of the first insurance product, so that the order issuing platform determines that the waiting period of the overlapped insurance responsibility in the first insurance product is zero when determining that the difference value is greater than or equal to the waiting period inherent to the overlapped insurance responsibility;
optionally, the calculation platform is further configured to calculate a waiting period of the overlapping insurance responsibilities in the first insurance product when the billing platform determines that the difference is smaller than the waiting period inherent to the overlapping insurance responsibilities, where the calculation formula is: the wait period for the overlapping insurance responsibilities in the first insurance product is equal to the wait period inherent to the overlapping insurance responsibilities minus the difference.
Optionally, the order issuing platform is further configured to determine that the second insurance product is within an expiration date before determining the waiting period of the overlapping insurance responsibilities in the first insurance product according to the expiration date of the second insurance product and the expiration date of the first insurance product.
Optionally, the order issuing platform is further configured to determine that the waiting period inherent to the overlapping insurance responsibility is the waiting period of the overlapping insurance responsibility in the first insurance product when it is determined that the second insurance product is not within the validity period.
Optionally, the order issuing platform is further configured to determine that the waiting period inherent to the overlapping insurance responsibility is the waiting period of the overlapping insurance responsibility in the first insurance product when the first identifier is not detected.
In a second aspect, there is provided a method of managing an insurance waiting period, the method comprising:
when a user is determined to purchase a first insurance product, judging whether the user has purchased a second insurance product corresponding to the first insurance product, wherein the first insurance product and the second insurance product have overlapped insurance responsibilities;
upon determining that the user has purchased a second insurance product corresponding to the first insurance product, detecting whether the overlapping insurance responsibility has a first identifier indicating that the overlapping insurance responsibility is a preset purchasable responsibility;
when the first identifier is detected, determining the waiting period of the overlapped insurance responsibility in the first insurance product based on the waiting period of the overlapped insurance responsibility in the second insurance product, wherein the waiting period is used for indicating the remaining time length required for enjoying the guarantee corresponding to the insurance responsibility.
Optionally, the determining the waiting period of the overlapping insurance responsibilities in the first insurance product based on the waiting period of the overlapping insurance responsibilities in the second insurance product comprises:
determining a waiting period for the overlapping insurance responsibilities in the first insurance product based on the day of effectiveness of the second insurance product and the day of effectiveness of the first insurance product.
Optionally, determining the waiting period of the overlapped insurance responsibilities in the first insurance product according to the validation date of the second insurance product and the validation date of the first insurance product includes:
determining a difference between the day of effectiveness of the second insurance product and the day of effectiveness of the first insurance product;
determining that the latency period of the overlapping insurance responsibility in the first insurance product is zero if the difference is greater than or equal to the latency period inherent to the overlapping insurance responsibility;
if the difference is less than the latency period inherent to the overlapping insurance responsibility, determining the latency period of the overlapping insurance responsibility in the first insurance product to be the result of subtracting the difference from the latency period inherent to the overlapping insurance responsibility.
Optionally, before determining the waiting period of the overlapping insurance responsibilities in the first insurance product according to the validation date of the second insurance product and the validation date of the first insurance product, the method further comprises:
determining that the second insurance product is within an expiration date.
Optionally, the method further includes:
if the second insurance product is not within the expiration date, determining that the waiting period inherent to the overlapping insurance responsibility is the waiting period of the overlapping insurance responsibility in the first insurance product.
Optionally, the method further includes:
if the first identifier is not detected, determining that the waiting period inherent to the overlapping insurance responsibility is the waiting period of the overlapping insurance responsibility in the first insurance product.
In a third aspect, an electronic device is provided, which includes:
a memory for storing program instructions;
a processor for calling the program instructions stored in the memory and executing the steps included in the method of any of the second aspect according to the obtained program instructions.
In a fourth aspect, there is provided a computer-readable storage medium having stored thereon computer-executable instructions for causing a computer to perform the steps included in the method of any one of the second aspects.
In a fifth aspect, a computer program product containing instructions is provided, which when run on a computer causes the computer to perform the method of managing an insurance waiting period described in the various possible implementations described above.
In the embodiment of the application, when the front-end system determines that a user purchases a first insurance product, the verification platform judges whether a second insurance product with overlapping insurance responsibilities with the first insurance product exists in the insurance products purchased by the user. When the verification platform determines that the user has purchased a second insurance product corresponding to the first insurance product, first indication information indicating that overlapping insurance responsibilities exist in the first insurance product and the second insurance product is sent to the issuing platform, so that the issuing platform detects whether the overlapping insurance responsibilities have a first identifier or not when receiving the first indication information, and determines the waiting period of the overlapping insurance responsibilities in the first insurance product based on the waiting period of the overlapping insurance responsibilities in the second insurance product when detecting the first identifier.
That is, when the verification platform determines that the insurance responsibility corresponding to the first insurance product purchased by the user at this time has been purchased in the previous insurance product (i.e., overlapping insurance responsibilities occur), the billing platform may determine the remaining waiting time of the insurance responsibility in the first insurance product purchased at this time according to the remaining waiting time of the insurance responsibility that has been purchased. After the user purchases the first insurance product, the user can enjoy the guarantee corresponding to the overlapped insurance responsibility without repeatedly experiencing the waiting period that the second insurance product has already experienced. The business rules are more reasonable, and meanwhile, when a user purchases a first insurance product, the waiting doubt of overlapped insurance responsibilities can be eliminated, so that the desire of the user to purchase the product is increased, and the product sale is promoted.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the invention, as claimed.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings used in the description of the embodiments will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application.
FIG. 1 is a block diagram of a system for managing an insurance waiting period according to an embodiment of the present disclosure;
FIG. 2 is a method for managing an insurance waiting period according to an embodiment of the present application;
fig. 3 is a schematic structural diagram of an apparatus for managing an insurance waiting period according to an embodiment of the present invention.
Fig. 4 is a schematic structural diagram of an electronic device in an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the technical solutions in the embodiments of the present application will be described clearly and completely with reference to the accompanying drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. 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 application. In the present application, the embodiments and features of the embodiments may be arbitrarily combined with each other without conflict. Also, while a logical order is shown in the flow diagrams, in some cases, the steps shown or described may be performed in an order different than here.
The terms "first" and "second" in the description and claims of the present application and the above-described drawings are used for distinguishing between different objects and not for describing a particular order. Furthermore, the term "comprises" and any variations thereof, which are intended to cover non-exclusive protection. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those steps or elements listed, but may alternatively include other steps or elements not listed, or inherent to such process, method, article, or apparatus. The "plurality" in the present application may mean at least two, for example, two, three or more, and the embodiments of the present application are not limited.
In addition, the term "and/or" herein is only one kind of association relationship describing an associated object, and means that there may be three kinds of relationships, for example, a and/or B, which may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the character "/" in this document generally indicates that the preceding and following related objects are in an "or" relationship unless otherwise specified.
Hereinafter, some terms in the embodiments of the present application are explained to facilitate understanding by those skilled in the art.
1) An insurance product, a product released by an insurance company that contains at least one insurance liability.
2) The waiting period refers to a time length required for the user to enjoy the guarantee corresponding to the insurance responsibility in the insurance product after purchasing the insurance product.
3) The inherent waiting period refers to the length of the waiting period prescribed by the insurance company for each insurance responsibility.
For ease of understanding, the technical background of the embodiments of the present invention will be described below.
At present, when a user is ready to purchase an insurance product, the user finds that a certain insurance responsibility exists in the purchased insurance product and the certain insurance responsibility is purchased before the certain insurance responsibility exists in the purchased insurance product, and a waiting period with a certain length of time is already passed through. For example, the insurance product a purchased by the user this time contains the insurance responsibility 1, the waiting period of the insurance responsibility 1 is 6 months, the user finds that the insurance responsibility 1 also exists in the previously purchased insurance product B, and the insurance product B has been purchased for 4 months (i.e. the insurance responsibility 1 in the insurance product B has already undergone the waiting period of 4 months), at this time, if the user purchases the insurance product a, the user still needs to undergo the waiting period of 6 months for the insurance responsibility 1 in the insurance product a, and since the user needs to undergo two waiting periods for the same insurance responsibility, the desire of the user to purchase the insurance product a is reduced, thereby adversely affecting the sale of the insurance product a.
In order to enhance the consumer's desire to purchase and promote the sale of products. The application provides a system for managing insurance waiting period, which comprises a front-end system and a middlebox system, wherein the middlebox system also comprises a verification platform and an issuing platform, the verification platform determines that the insurance responsibility in the insurance products purchased by a user at this time exists and the insurance responsibility is purchased in other insurance products, the issuing platform determines the overlapping insurance responsibility waiting period in the first insurance product purchased at this time according to the enough insurance product waiting period, so that the doubt of the user on the overlapping insurance responsibility waiting period can be eliminated, the desire of the user to purchase the first insurance product is enhanced, and the sale of the first insurance product is promoted.
After introducing the design concept of the embodiment of the present application, some simple descriptions are provided below for application scenarios to which the technical solution of the embodiment of the present application can be applied, and it should be noted that the application scenarios described below are only used for describing the embodiment of the present application and are not limited. In specific implementation, the technical scheme provided by the embodiment of the application can be flexibly applied according to actual needs.
The technical scheme provided by the embodiment of the application is described in the following with the accompanying drawings of the specification.
Referring to fig. 1, fig. 1 is a schematic structural diagram of a system for managing an insurance waiting period according to an embodiment of the present disclosure, where the system includes a front-end system 11 and a middle station system 12, and the middle station system 12 includes a verification platform 121 and an issuing platform 122.
In the embodiment of the present application, the front-end system 11 is a front-end page where the user selects insurance responsibility when purchasing insurance products, and is used for determining the insurance products purchased by the user.
The verification platform 121 is configured to, when the front-end system 11 determines that the insurance product purchased by the user is the first insurance product, determine whether the user has purchased a second insurance product corresponding to the first insurance product, and when it is determined that the user has purchased the second insurance product corresponding to the first insurance product, send first indication information indicating that there is overlapping insurance responsibility in the first insurance product and the second insurance product to the issue single platform 122.
The order issuing platform 122 is configured to detect whether the overlapping insurance responsibilities have the first identifier or not when receiving the first indication information sent by the verification platform 121, and determine the waiting period of the overlapping insurance responsibilities in the first insurance product based on the waiting period of the overlapping insurance responsibilities in the second insurance product when detecting the first identifier; the first identifier is used for indicating that the overlapped insurance responsibility is preset purchasable responsibility, and the waiting period is used for indicating the remaining time required for enjoying the guarantee corresponding to the insurance responsibility.
In one possible embodiment, the staging system may further include: and the obtaining platform is used for obtaining the effective date of the second insurance product and the effective date of the first insurance product, so that the billing platform 122 determines the waiting period of the insurance responsibility overlapped in the first insurance product according to the effective date of the second insurance product and the effective date of the first insurance product.
In a possible implementation, the staging system may further include: a computing platform for computing a difference between the day of effectiveness of the second insurance product and the day of effectiveness of the first insurance product, such that the billing platform 122 determines that the waiting period of the overlapping insurance responsibilities in the first insurance product is zero when determining that the difference is greater than or equal to the waiting period inherent to the overlapping insurance responsibilities;
in one possible embodiment, the computing platform is further configured to calculate the waiting period of the overlapping insurance responsibilities in the first insurance product when the billing platform determines that the difference is less than the waiting period inherent to the overlapping insurance responsibilities, and the calculation formula is: the wait period for the overlapping insurance responsibilities in the first insurance product is equal to the wait period inherent to the overlapping insurance responsibilities minus the difference.
In one possible embodiment, the billing platform 122 is further configured to determine that the second insurance product is within the expiration date before determining the waiting period of the overlapping insurance responsibilities in the first insurance product based on the date of effectiveness of the second insurance product and the date of effectiveness of the first insurance product.
In one possible embodiment, the billing platform 122 is further configured to determine that the overlapping insurance responsibility inherent wait period is the overlapping insurance responsibility wait period in the first insurance product when the second insurance product is determined not to be within the expiration period.
In one possible embodiment, the billing platform 122 is further configured to determine that the waiting period inherent to the overlapping insurance responsibility is the waiting period of the overlapping insurance responsibility in the first insurance product when the first identifier is not detected.
Referring to fig. 2, fig. 2 is a diagram illustrating a method for managing an insurance waiting period according to an embodiment of the present disclosure. The flow chart of the method shown in fig. 2 is described as follows:
step 201: when a user is determined to purchase a first insurance product, whether the user has purchased a second insurance product corresponding to the first insurance product is judged.
In the embodiment of the application, the insurance responsibility corresponding to the first insurance product is firstly acquired, then all the insurance products already purchased by the user and the insurance responsibility corresponding to all the insurance products are acquired according to the relevant information (such as name, identity card information and the like) of the user, the insurance responsibility corresponding to the first insurance product is compared with the insurance responsibility corresponding to all the insurance products already purchased, and whether the same insurance responsibility exists in the insurance responsibility corresponding to the first insurance product and the insurance responsibility corresponding to all the insurance products already purchased by the user is judged. Wherein the same insurance responsibility is the overlapping insurance responsibility.
Step 202: determining that the user has purchased a second insurance product corresponding to the first insurance product.
In the embodiment of the application, if the insurance responsibility corresponding to the insurance product that the user has purchased has the same insurance responsibility as the insurance responsibility corresponding to the first insurance product, the insurance product corresponding to the insurance responsibility having the same insurance responsibility as the first insurance product is determined as the second insurance product, that is, the user has purchased the second insurance product corresponding to the first insurance product.
For example, the first insurance product contains A, B, C insurance responsibilities, and the user has purchased A, D, E, F, G, H insurance responsibilities contained in all insurance products. It can be seen that the insurance responsibility a in the first insurance product already exists in the insurance products purchased by the user before, so the insurance responsibility a is the overlapping insurance responsibility, and the insurance product corresponding to the already purchased insurance responsibility a is the second insurance product, that is, it is determined that the user has purchased the second insurance product corresponding to the first insurance product. For another example, the insurance responsibilities corresponding to the first insurance product are A, B insurance responsibilities, and the insurance responsibilities included in all the insurance products that the user has purchased are C, D, E, F, G insurance responsibilities. It can be seen that there is no overlapping insurance responsibility between two insurance responsibilities in the first insurance product and the five insurance responsibilities that have been purchased, i.e. it is determined that the user has not purchased a second insurance product corresponding to the first insurance product.
Step 203: upon determining that the user has purchased a second insurance product corresponding to the first insurance product, it is detected whether the overlapping insurance obligations have the first identity.
In the embodiment of the present application, when it is determined that a second insurance product corresponding to a first insurance product exists, it may be first determined whether an overlapping insurance responsibility in the first insurance product and the second insurance product is a preset additional purchasing responsibility, if the overlapping insurance responsibility is the preset additional purchasing responsibility, a first identifier (for example, may also be referred to as an additional purchasing identifier) is added to the overlapping insurance responsibility, and when the first insurance product issues an order, the additional purchasing identifier is transmitted to an order issuing platform as a necessary transmission item, and the order issuing platform detects whether the overlapping insurance responsibility has the first identifier when the order issuing platform issues an order.
Step 204: upon detecting the first identification, determining a waiting period for the overlapping insurance responsibility in the first insurance product based on the waiting period for the overlapping insurance responsibility in the second insurance product.
Wherein, the waiting period refers to a remaining time period required for indicating that the user enjoys the guarantee corresponding to the insurance responsibility. Generally, after purchasing an insurance product, a user needs to wait for a certain period of time from the contract validation date of the product before enjoying the corresponding guarantee. Even if an insurance accident occurs during the waiting period of the policyholder, the beneficiary cannot obtain the corresponding insurance compensation. Therefore, the behavior that the insurance applicant immediately applies insurance to obtain insurance compensation after knowing that the insurance accident is about to happen can be effectively avoided.
The waiting period duration may be different between different insurance companies, and the waiting period corresponding to different insurance responsibilities may also be different between the same insurance company. For example, the waiting period for major risks is long, generally about 90 days to one year, the waiting period for medical risks is mostly about 30 days, the waiting period for regular life risks is mostly between 90 days to 180 days, and the waiting period for accident risks is short, generally several days. Since the country does not specify a definite time for the waiting period, the product of each company also differs greatly in its specification of the length of the waiting period based on individual considerations.
In the embodiment of the present application, when the first identifier is detected, the waiting period of the overlapping insurance responsibility in the first insurance product is determined based on the waiting period of the overlapping insurance responsibility in the second insurance product, that is, the overlapping insurance responsibility is subject to the purchase logic verification. Wherein the pre-set buying responsibility is specified by the insurance company according to the nature of the insurance. For example, setting a rule of exemption from waiting period for insurance liability with longer waiting period (e.g. heavy insurance) can reduce the user's concern, and setting a rule of exemption from waiting period for insurance liability with shorter waiting period (e.g. accident) is not needed because the length of waiting period that the user needs to experience is shorter.
In one possible embodiment, when the overlapping insurance responsibility is determined not to be the preset purchasable responsibility, the purchasable identifier is not added to the overlapping insurance responsibility, and when the single platform does not detect the purchasable identifier during the insurance underwriting, the waiting period of the overlapping insurance responsibility in the first insurance product is determined to be the inherent waiting period, that is, the purchasable logic verification is not performed on the overlapping insurance responsibility. In this way, the additional purchase identification is configured for the overlapped insurance responsibility which accords with the preset additional purchase responsibility, and the additional purchase logic check is carried out only for the overlapped insurance responsibility which is configured with the additional purchase identification, so that the working efficiency of the single platform can be effectively improved.
In a possible implementation manner, when the policy issuing platform performs the insurance check, if the purchase adding identifier is detected, the policy number corresponding to the second insurance product is extracted, and whether the second insurance product is the effective policy is judged. The valid policy may be a policy still within the period of validity of the contract, or a policy that the insurance product is not within the period of validity of the contract (i.e. the contract is expired), but does not exceed a buffering period set by the insurance company, the buffering period can only be used for the relief of a waiting period, and for an insurance accident occurring within the buffering period, the beneficiary cannot obtain the corresponding insurance compensation.
For example, if the effective time of the second insurance product purchased by the user is 12/13/2018, the effective period of the second insurance product is one year, and the date of the first insurance product purchased by the user is 11/13/2019, the policy number corresponding to the second insurance product is an effective policy. For another example, the effective date of the second insurance product purchased by the user is 11/13/2018, the effective period of the second insurance product is one year, the corresponding buffer period is 1 month, and the date of the first insurance product purchased by the user is 12/10/2019, at which time the second insurance product is not in the effective period, but since the insurance company sets the buffer period of one month for the insurance product, the policy number corresponding to the second insurance product can be regarded as the effective policy. For another example, if the effective date of the second insurance product purchased by the user is 11/13/2018, the effective period of the second insurance product is one year, the corresponding buffer period is 1 month, and the date of the first insurance product purchased by the user is 12/15/2019, and the second insurance product is not in the effective period and is not in the buffer period set by the insurance company, then it is determined that the second insurance product does not belong to the valid policy. Therefore, by setting a certain buffer period, the user can enjoy the advantage of exemption from the waiting period when the user fails to renew or select other related insurance in time due to special reasons, and the user experience is improved.
Specifically, when the policy issuing platform performs the policy checking, if it is detected that the policy number corresponding to the second insurance product does not belong to the valid policy, it is determined that the waiting period of the insurance responsibility overlapped in the first insurance product is the inherent waiting period (i.e., the checking of the exemption of the waiting period is not performed again).
In one possible embodiment, the date of effectiveness of the second insurance product and the date of effectiveness of the first insurance product are obtained, and the waiting period of the overlapping insurance responsibilities in the first insurance product is determined according to the date of effectiveness of the first insurance product and the second insurance product.
Specifically, the difference between the second insurance product and the first insurance product effective day is calculated, and if the obtained difference is greater than or equal to the inherent waiting period of the overlapping insurance responsibility, that is, (the effective day of the first insurance product-the effective day of the second insurance product) > < the inherent waiting period of the overlapping insurance responsibility, it is indicated that the overlapping insurance responsibility in the second insurance product has already passed through the corresponding waiting period, so that the user does not need to pass through the waiting period again for the overlapping insurance in the first insurance product after purchasing the first insurance product, that is, the waiting period of the overlapping insurance responsibility in the first insurance product is displayed as zero. For example, if the inherent waiting period of the overlapped insurance responsibilities is 6 months, the effective day of the second insurance product is 2019, month 3 and day 1, and the effective day of the first insurance product is 2019, month 10 and day 1, the difference between the effective days of the second insurance product and the first insurance product is 7 months, which is greater than the inherent waiting period of the overlapped insurance responsibilities, and thus it is determined that the waiting period of the overlapped insurance responsibilities in the first insurance product is zero.
If the obtained difference is less than the inherent waiting period of the overlapping insurance responsibility, i.e. 0< (the effective day of the first insurance product-the effective day of the second insurance product) < the inherent waiting period of the overlapping insurance responsibility, which indicates that the user has not yet passed through the waiting period corresponding to the overlapping insurance responsibility after purchasing the second insurance product, therefore, the user needs to pass through a certain waiting period duration for the overlapping insurance responsibility in the first insurance product after purchasing the first insurance product, which is the remaining duration of the waiting period that the user needs to pass through for the overlapping insurance responsibility in the second insurance product, i.e. the result of subtracting the difference from the inherent waiting period of the overlapping insurance responsibility (the waiting period is shown as: the inherent waiting period of the overlapping insurance responsibility- (the effective day of the first insurance product-the effective day of the second insurance product). for example, the inherent waiting period of the overlapped insurance responsibilities is 6 months, the effective day of the second insurance product is 2019, 3 months and 1 day, the effective day of the first insurance product is 2019, 6 months and 1 day, the difference value between the effective days of the second insurance product and the effective day of the first insurance product is 3 months, the difference value is smaller than the inherent waiting period of the overlapped insurance responsibilities, and the waiting period of the overlapped insurance responsibilities in the first insurance product is 6 months minus the difference value by 3 months, namely the waiting period of the overlapped insurance responsibilities in the first insurance product is 3 months.
In a specific implementation process, the waiting period of the overlapping insurance responsibilities in the first insurance product is determined according to the waiting period of the overlapping insurance responsibilities in the second insurance product, so that the doubt of the waiting period of the overlapping insurance responsibilities when a user purchases the insurance product with the same insurance responsibilities as before can be eliminated, the purchasing desire of the user is increased, and the sale of the product by an insurance company is promoted.
Based on the same inventive concept, the embodiment of the present application provides an insurance waiting period management device, and the insurance waiting period management device can implement the corresponding functions of the insurance waiting period management method. The means for managing the insurance waiting period may be a hardware structure, a software module, or a hardware structure plus a software module. The device for managing the insurance waiting period can be realized by a chip system, and the chip system can be formed by a chip and can also comprise the chip and other discrete devices. Referring to fig. 3, the apparatus for managing an insurance waiting period includes a determining module 301 and a processing module 302. Wherein:
a determining module 301, configured to determine, when it is determined that a user purchases a first insurance product, whether the user has purchased a second insurance product corresponding to the first insurance product, where there is an overlapping insurance responsibility in the first insurance product and the second insurance product;
a processing module 302, configured to, when it is determined that the user has purchased a second insurance product corresponding to the first insurance product, detect whether the overlapping insurance responsibilities have a first identifier, where the first identifier is used to indicate that the overlapping insurance responsibilities are preset purchasable responsibilities;
the processing module 302 is further configured to, when the first identifier is detected, determine a waiting period of the overlapping insurance responsibility in the first insurance product based on a waiting period of the overlapping insurance responsibility in the second insurance product, where the waiting period is used to indicate a remaining time required to enjoy the guarantee corresponding to the insurance responsibility.
In a possible implementation manner, the processing module 302 is specifically configured to:
determining a waiting period for the overlapping insurance responsibilities in the first insurance product based on the day of effectiveness of the second insurance product and the day of effectiveness of the first insurance product.
In a possible implementation manner, the processing module 302 is specifically configured to:
determining a difference between the day of effectiveness of the second insurance product and the day of effectiveness of the first insurance product;
determining that the latency period of the overlapping insurance responsibility in the first insurance product is zero if the difference is greater than or equal to the latency period inherent to the overlapping insurance responsibility;
if the difference is less than the latency period inherent to the overlapping insurance responsibility, determining the latency period of the overlapping insurance responsibility in the first insurance product to be the result of subtracting the difference from the latency period inherent to the overlapping insurance responsibility.
In a possible implementation, the processing module 302 is further configured to:
determining that the second insurance product is within an expiration date.
In a possible implementation, the processing module 302 is further configured to:
if the second insurance product is not within the expiration date, determining that the waiting period inherent to the overlapping insurance responsibility is the waiting period of the overlapping insurance responsibility in the first insurance product.
In a possible implementation, the processing module 302 is further configured to:
if the first identifier is not detected, determining that the waiting period inherent to the overlapping insurance responsibility is the waiting period of the overlapping insurance responsibility in the first insurance product.
All relevant contents of each step involved in the embodiment of the method for managing an insurance waiting period can be cited to the functional description of the functional module corresponding to the device for managing an insurance waiting period in the embodiment of the present application, and are not described herein again.
The division of the modules in the embodiments of the present application is schematic, and only one logical function division is provided, and in actual implementation, there may be another division manner, and in addition, each functional module in each embodiment of the present application may be integrated in one processor, may also exist alone physically, or may also be integrated in one module by two or more modules. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode.
Based on the same inventive concept, the embodiment of the application provides electronic equipment. Referring to fig. 4, the electronic device includes at least one processor 401 and a memory 402 connected to the at least one processor, a specific connection medium between the processor 401 and the memory 402 is not limited in this embodiment, in fig. 4, the processor 401 and the memory 402 are connected by a bus 400 as an example, the bus 400 is represented by a thick line in fig. 4, and a connection manner between other components is only schematically illustrated and is not limited. The bus 400 may be divided into an address bus, a data bus, a control bus, etc., and is shown with only one thick line in fig. 4 for ease of illustration, but does not represent only one bus or type of bus.
In the embodiment of the present application, the memory 402 stores instructions executable by the at least one processor 401, and the at least one processor 401 may execute the steps included in the method for managing an insurance waiting period by executing the instructions stored in the memory 402.
The processor 401 is a control center of the electronic device, and may connect various portions of the whole electronic device by using various interfaces and lines, and perform various functions and process data of the electronic device by operating or executing instructions stored in the memory 402 and calling data stored in the memory 402, thereby performing overall monitoring on the electronic device. Optionally, the processor 401 may include one or more processing units, and the processor 401 may integrate an application processor and a modem processor, wherein the application processor mainly handles operating systems, application programs, and the like, and the modem processor mainly handles wireless communication. It will be appreciated that the modem processor described above may not be integrated into the processor 401. In some embodiments, processor 401 and memory 402 may be implemented on the same chip, or in some embodiments, they may be implemented separately on separate chips.
The processor 401 may be a general-purpose processor, such as a Central Processing Unit (CPU), digital signal processor, application specific integrated circuit, field programmable gate array or other programmable logic device, discrete gate or transistor logic, discrete hardware components, or the like, that may implement or perform the methods, steps, and logic blocks disclosed in embodiments of the present application. A general purpose processor may be a microprocessor or any conventional processor or the like. The steps of the method for managing the insurance waiting period disclosed in the embodiments of the present application may be directly implemented by a hardware processor, or implemented by a combination of hardware and software modules in the processor.
By programming the processor 401, the code corresponding to the method for managing the insurance waiting period described in the foregoing embodiment may be solidified into the chip, so that the chip can execute the steps of the method for managing the insurance waiting period when running.
Based on the same inventive concept, the present application also provides a computer-readable storage medium storing computer instructions, which, when executed on a computer, cause the computer to perform the steps of the method for managing an insurance waiting period as described above.
In some possible embodiments, the aspects of the method for managing an insurance waiting period provided by the present application may also be implemented in the form of a program product comprising program code for causing the detection device to perform the steps of the method for managing an insurance waiting period according to various exemplary embodiments of the present application described above in this specification, when the program product is run on an electronic device.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to the application. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present application without departing from the spirit and scope of the application. Thus, if such modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is intended to include such modifications and variations as well.
Claims (10)
1. A system for managing an insurance waiting period, comprising: front end system and middlebox system, wherein:
the front-end system is used for determining insurance products purchased by the user;
the middle platform system comprises a checking platform and a single output platform;
the verification platform is used for judging whether the user purchases a second insurance product corresponding to a first insurance product when the front-end system determines that the insurance product purchased by the user is the first insurance product, and sending first indication information to the issuing platform when determining that the user purchases the second insurance product corresponding to the first insurance product, wherein the first indication information is used for indicating that overlapping insurance responsibilities exist in the first insurance product and the second insurance product;
the order issuing platform is used for detecting whether the overlapped insurance responsibility has a first identifier or not when first indication information sent by the verification platform is received, and determining the waiting period of the overlapped insurance responsibility in the first insurance product based on the waiting period of the overlapped insurance responsibility in the second insurance product when the first identifier is detected;
the first identifier is used for indicating that the overlapped insurance responsibility is preset purchasable responsibility, and the waiting period is used for indicating the remaining time required for enjoying the guarantee corresponding to the insurance responsibility.
2. The system of claim 1, wherein the staging system further comprises: acquiring a platform;
the obtaining platform is used for obtaining the effective date of the second insurance product and the effective date of the first insurance product, so that the order issuing platform determines the waiting period of the overlapped insurance responsibilities in the first insurance product according to the effective date of the second insurance product and the effective date of the first insurance product.
3. The system of claim 2, wherein the staging system further comprises: a computing platform;
the computing platform is configured to compute a difference between the day of effectiveness of the second insurance product and the day of effectiveness of the first insurance product, so that the billing platform determines that the waiting period of the overlapping insurance responsibility in the first insurance product is zero when determining that the difference is greater than or equal to the waiting period inherent to the overlapping insurance responsibility.
4. The system of claim 3, wherein the computing platform is further configured to compute a wait period for the overlapping insurance responsibility in the first insurance product when the billing platform determines that the difference is less than a wait period inherent to the overlapping insurance responsibility by: the wait period for the overlapping insurance responsibilities in the first insurance product is equal to the wait period inherent to the overlapping insurance responsibilities minus the difference.
5. The system of claim 2, wherein the billing platform is further configured to determine that the second insurance product is within an expiration date prior to determining a waiting period for the overlapping insurance responsibilities in the first insurance product based on the expiration date of the second insurance product and the expiration date of the first insurance product.
6. The system of claim 5, wherein the billing platform is further configured to determine that the latency inherent to the overlapping insurance responsibility is the latency of the overlapping insurance responsibility in the first insurance product upon determining that the second insurance product is not within the expiration date.
7. The system of claim 1, wherein the order delivery platform is further configured to determine that the latency inherent to the overlapping insurance responsibility is the latency of the overlapping insurance responsibility in the first insurance product when the first identifier is not detected.
8. A method of managing an insurance waiting period, the method comprising:
when a user is determined to purchase a first insurance product, judging whether the user purchases a second insurance product corresponding to the first insurance product, wherein the first insurance product and the second insurance product have overlapped insurance responsibilities;
upon determining that the user has purchased a second insurance product corresponding to the first insurance product, detecting whether the overlapping insurance responsibility has a first identifier indicating that the overlapping insurance responsibility is a preset purchasable responsibility;
when the first identifier is detected, determining the waiting period of the overlapped insurance responsibility in the first insurance product based on the waiting period of the overlapped insurance responsibility in the second insurance product, wherein the waiting period is used for indicating the remaining time length required for enjoying the guarantee corresponding to the insurance responsibility.
9. An electronic device, comprising:
a memory for storing program instructions;
a processor for calling program instructions stored in said memory and for executing the steps comprised in the method of claim 8 in accordance with the obtained program instructions.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program comprising program instructions that, when executed by a computer, cause the computer to perform the method of claim 8.
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| CN111652745B (en) | 2023-03-21 |
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