CN111899084A - Online policy instant cashing method, device, equipment and storage medium - Google Patents
Online policy instant cashing method, device, equipment and storage medium Download PDFInfo
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Abstract
The invention provides an online policy instant cashing method, an online policy instant cashing device, electronic equipment and a computer-readable storage medium, and relates to the technical field of intelligent government affairs. The method comprises the following steps: acquiring policy initial data; carrying out the frame calculation on the policy initial data by combining the government subsidy prediction and determining the negotiable user; acquiring registration information of the cashable user, and automatically sending the result of the tally to the registered cashable user; and according to the confirmed cashing information sent by the registered cashable user, inputting the subsidy into the account of the registered cashable user. According to the embodiment of the invention, the cashable user is determined by reading the policy initial data and carrying out the cashing on the policy initial data, the cashing result is sent to the cashable user according to the registration condition of the cashable user, the cashable user can obtain the government subsidy by directly clicking and confirming the cashing, so that the automatic examination and verification of the policy, the system cashing and the immediate payment of the subsidy can be realized, and the handling links are greatly reduced.
Description
Technical Field
The invention relates to the technical field of intelligent government affairs, in particular to an on-line policy instant cashing method, device, equipment and storage medium.
Background
On one hand, the subsidies, tax exemptions and the like of the government need to enter enterprises/personal hands which can really make the subsidies exert the effect; on the other hand, government subsidies are directed to business/personal accounts to avoid corruption during distribution.
At present, some online policy cashing platforms exist, and policy internet surfing and online subsidy cashing are realized. After the enterprise/individual logs in the platform, the enterprise/individual can check which government subsidies meeting the conditions can be applied for subsidy, and online subsidy can be realized for the subsidies meeting the conditions. However, these platforms still suffer from some important problems or limitations, such as lack of accurate frame calculation for application thresholds for government subsidies. The government issues subsidies for the purpose of a certain policy, however, the budget of the subsidies is often limited, so in order to make the subsidies achieve the intended purpose of the policy, an application threshold must be designed so that the subsidies are issued to the enterprises/persons who can make the policy exert the best effect (dark box operation can be reduced directly through platform frame calculation). If the application threshold is not set reasonably, the actual covered group of the policy subsidy and the potential target group have larger deviation, so that the policy is difficult to achieve the expected effect. There is a lack of active service thinking. The current online policy cashing platform only hangs the policy on the internet, and enterprises need to pay attention to the conditions of policy subsidy and the like actively, and the policies can be missed if not paid attention and applied in time. Therefore, the platform should actively inform the target business/person. In addition, when the condition of applying for a government subsidy is found to be met, various materials are further required to be provided, and then the process of auditing and cashing is started, which takes time, so that the process of 'instant declaration, instant auditing and instant cashing' cannot be carried out.
Therefore, in the prior art, the application threshold for the government subsidies is lack of accurate calculation, the users who can receive the subsidies cannot be accurately determined, and the users may not pay timely due to the fact that the users know the policies untimely, so that improvement is urgently needed.
Disclosure of Invention
The invention aims to solve the technical defects, in particular to the technical problems that in the prior art, the application threshold of the government subsidy is lack of accurate summary calculation, a user capable of receiving the subsidy cannot be accurately determined, and the user cannot timely pay due to the fact that the user knows the policy in a non-timely manner.
In a first aspect, an online policy instant redemption method is provided, which includes:
acquiring policy initial data;
carrying out the frame calculation on the policy initial data to obtain a frame calculation result, and determining a cashable user;
acquiring registration information of the cashable user, and automatically sending the result of the settlement to the registered cashable user;
and according to the confirmed cashing information sent by the registered cashable user, inputting subsidies into the account of the registered cashable user.
In a second aspect, an online policy instant redemption apparatus is provided, the apparatus comprising:
the data acquisition module is used for acquiring policy initial data;
the user confirmation module is used for carrying out the calculation of the initial policy data to obtain a calculation result and determining a cashable user;
the information sending module is used for acquiring the registration information of the cashable user and automatically sending the result of the calculation to the registered cashable user;
and the cashing module is used for inputting subsidies into the account of the registered cashable user according to the confirmed cashing information sent by the registered cashable user.
In a third aspect, an electronic device is provided, which includes:
one or more processors;
a memory;
one or more applications, wherein the one or more applications are stored in the memory and configured to be executed by the one or more processors, the one or more programs configured to: and executing the online policy instant cashing method.
In a fourth aspect, there is provided a computer readable storage medium having stored thereon at least one instruction, at least one program, set of codes, or set of instructions, which is loaded by the processor and which implements the above-described online policy instant redemption method.
According to the embodiment of the invention, the cashable user is determined by reading the policy initial data and carrying out the intercommunication on the policy initial data, the intercommunication result is automatically sent to the cashable user according to the registration condition of the cashable user, the government subsidy can be obtained by directly clicking and confirming the cashing on the paying user, and the traditional ' declaration before auditing then ' is ' government audit before and beneficiary after. The enterprises or individuals enjoying subsidies can realize automatic examination and verification of the policy, system cashing and immediate account arrival of the subsidies only after one-key confirmation on the platform, thus greatly reducing the handling link, measuring and transforming the policy cashing process by using big data, synchronously and accurately measuring and calculating the subsidy range and subsidy amount after policy issuing, changing 'examination and approval layer by layer' into 'data calculation rule making and data result measuring and calculating', and improving the cashing timeliness.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings used in the description of the embodiments of the present invention will be briefly described below.
FIG. 1 is a flow chart illustrating an instant online policy redemption method according to an embodiment of the present invention;
fig. 2 is a schematic diagram of a technical flow of policy evaluation computation according to an embodiment of the present invention;
fig. 3 is a schematic flow chart of an on-line computation method according to an embodiment of the present invention;
fig. 4 is a schematic diagram of a technical flow of on-line computation according to an embodiment of the present invention;
FIG. 5 is a schematic structural diagram of a policy redemption device according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
The above and other features, advantages and aspects of various embodiments of the present invention will become more apparent by referring to the following detailed description when taken in conjunction with the accompanying drawings. Throughout the drawings, the same or similar reference numbers refer to the same or similar elements. It should be understood that the drawings are schematic and that elements and features are not necessarily drawn to scale.
Detailed Description
Embodiments of the present invention will be described in more detail below with reference to the accompanying drawings. While certain embodiments of the present invention are shown in the drawings, it should be understood that the present invention may be embodied in various forms and should not be construed as limited to the embodiments set forth herein, but rather are provided for a more thorough and complete understanding of the present invention. It should be understood that the drawings and the embodiments of the present invention are illustrative only and are not intended to limit the scope of the present invention.
It should be understood that the various steps recited in the method embodiments of the present invention may be performed in a different order and/or performed in parallel. Moreover, method embodiments may include additional steps and/or omit performing the illustrated steps. The scope of the invention is not limited in this respect.
The term "include" and variations thereof as used herein are open-ended, i.e., "including but not limited to". The term "based on" is "based, at least in part, on". The term "one embodiment" means "at least one embodiment"; the term "another embodiment" means "at least one additional embodiment"; the term "some embodiments" means "at least some embodiments". Relevant definitions for other terms will be given in the following description.
It should be noted that the terms "first", "second", and the like in the present invention are only used for distinguishing the devices, modules or units, and are not used for limiting the devices, modules or units to be different devices, modules or units, and are not used for limiting the sequence or interdependence relationship of the functions executed by the devices, modules or units.
It is noted that references to "a", "an", and "the" modifications in the present invention are intended to be illustrative rather than limiting, and that those skilled in the art will recognize that reference to "one or more" unless the context clearly dictates otherwise.
The names of messages or information exchanged between devices in the embodiments of the present invention are for illustrative purposes only, and are not intended to limit the scope of the messages or information.
The invention provides a policy cashing method, a policy cashing device, electronic equipment and a computer-readable storage medium, and aims to solve the technical problems in the prior art.
The following describes the technical solution of the present invention and how to solve the above technical problems with specific examples. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the present invention will be described below with reference to the accompanying drawings.
An embodiment of the present invention provides an online policy instant redemption method, as shown in fig. 1, where the method includes:
step S101, acquiring policy initial data;
step S102, carrying out the frame calculation on the policy initial data to obtain a frame calculation result, and determining a cashable user;
step S103, acquiring registration information of the cashable user, and automatically sending the result of the settlement to the registered cashable user;
and step S104, inputting subsidies into the account of the registered cashable user according to the confirmed cashing information sent by the registered cashable user.
The policy cashing method provided by the embodiment of the invention can be applied to an online policy immediate cashing platform, a policy making unit can evaluate and calculate the policy in an online or offline mode through the platform, enterprise/personal screening rules are made by using government affair network data according to interpretation of the policy and budget of government subsidies, the scope of subsidies is automatically measured and calculated, results after calculation are published online, and enterprise/personal users firstly perform registration authentication/login through a client. When the policy is issued, the platform can automatically inform enterprises/individuals in the subsidy range according to the result of the policy evaluation and calculation, the enterprises/individuals can log in through the client and carry out relevant operations, such as policy checking, cashing confirmation and cashing record checking, meanwhile, any problem can be allegedly found in the three links, if the enterprises/individual users confirm the cashing, the bank receives a cashing instruction sent by the platform, and then the subsidy is input into the account of the enterprises/individual users.
For convenience of description, in the embodiment of the present invention, as shown in fig. 2, a specific embodiment is taken as an example, and an initial policy is generally divided into two forms, one of which is that an application condition or a threshold has been explicitly specified, such as "subsidizing a management and consultation item with an equivalent amount exceeding 30 ten thousand yuan"; the other is not provided with specific application conditions, such as 'insurance subsidy for the first application of new materials'. Different policies are processed in different modes, and if the policy is the former policy, platform technicians are required to process the policy; if the latter is the case, the calculation of the on-line evaluation and calculation system is needed. Policy data that does not satisfy the on-line evaluation basket is processed by the platform technician. If the policy data is result data, the subsidy application condition and the subsidy scope can be directly determined based on the policy data, and the policy data is directly put in a warehouse to be used as a policy to be honored; if the policy data cannot be used as the result data, some processing is required to change the policy data into result data which can directly determine the application condition and subsidy scope of subsidy and incorporate the result data into the library. And if the policy meets the on-line mode, performing the frame calculation processing on the policy data by using an on-line evaluation frame calculation system, confirming and approving the frame calculation result data after the processing, and warehousing the result data after approval. After the policy interpretation is played, users meeting subsidy requirements are determined according to the result of the calculation, the users can register and log on the platform, the platform can automatically send the result of the calculation to the users, the users only need to carry out relevant operations through the client side to determine cashing, and the bank receives cashing instructions sent by the platform, so that the subsidy is input into an account of an enterprise/individual user.
According to the embodiment of the invention, the cashable user is determined by reading the policy initial data and carrying out the intercommunication on the policy initial data, the intercommunication result is sent to the cashable user according to the registration condition of the cashable user, the cashable user can directly click to confirm the cashing to obtain the government subsidy, and the traditional 'first declaration and then audit' is 'government first audit and beneficiary then confirmation'. The enterprises or individuals enjoying subsidies can realize automatic examination and verification of the policy, system cashing and immediate account arrival of the subsidies only after one-key confirmation on the platform, thus greatly reducing the handling link, measuring and transforming the policy cashing process by using big data, synchronously and accurately measuring and calculating the subsidy range and subsidy amount after policy issuing, changing 'examination and approval layer by layer' into 'data calculation rule making and data result measuring and calculating', and improving the cashing timeliness.
In this implementation, as shown in fig. 3, performing frame calculation on the policy initial data includes;
step S301, determining business data related to a policy based on the policy initial data;
step S302, carrying out standardized processing on the service data;
step S303, determining a screening model based on the service data after the normalization processing and the user related to the policy;
step S304, screening the users related to the policy through the screening model, and determining the redeemable users and the subsidized total of the redeemable users.
In the embodiment of the present invention, the main flow of the frame calculation is as shown in fig. 4, and the policy unit interprets the policy requiring on-line estimation of the frame calculation. Determining business data related to the policy in the reading process, such as various types of information of enterprises in the policy-oriented industry, and determining the business aperture; after the data required by policy evaluation frame calculation is collected to a platform, the data is organized and classified through a data management module, various data tables are classified and attributed according to a commission office, and the field names in the tables are defined in a standard manner; based on the interpretation of the policy and the data processed by standardization, firstly determining the dimensionality of a specific screening condition, then configuring the value range of each dimensionality according to the distribution characteristics (multi-dimensional joint distribution) of potential users on the dimensionality, and finally determining the specific screening condition; and (3) aiming at the screening condition and the subsidy limit design of a single user, operating the model in the data source so as to obtain the audience range of the subsidy and the total subsidy amount needing to be issued in the audience range, namely the model result. If the total amount of subsidies required is less than or greater than the original subsidy budget, the screening conditions are reconfigured (i.e. the model design link is returned), the audience range is expanded or reduced, the model is operated again, the cycle is repeated for many times until the model result meets the budget requirement, and then the examination and approval can be submitted. When the difference value between the subsidized total amount of the redeemable user and the preset subsidy budget exceeds a threshold value, re-determining a screening model based on the business data after the normalized processing and the user related to the policy, and determining the subsidized total amount of the redeemable user and the redeemable user based on the re-determined screening model until the difference value between the subsidized total amount of the redeemable user and the preset subsidy budget is within the threshold value.
The embodiment of the invention reforms the business process through data sharing, and partial policy cashing does not need enterprises to provide any material, thereby realizing 'instant cashing'. The traditional 'first declaration and then auditing' is changed into 'first auditing by the government and then confirming by the beneficiary'. Enterprises or individuals enjoying subsidies can automatically check the policy, cash the system and immediately check the subsidies after one-key confirmation on the platform, thereby greatly reducing the work process links. The big data is used for measuring and transforming a policy cashing process, the subsidy range and subsidy amount can be synchronously and accurately measured and calculated when the policy is issued, the data calculation rule making and the data result measuring and calculating are changed from 'examination and approval layer by layer', and the cashing timeliness is improved. Two ports of users and governments are arranged, and the bidirectional cluster type opening is realized, so that the conversion from offline collection to online response of government-enterprise communication and the conversion from ' customers such as sitting stores ' to express delivery and entrance ' of government service are realized. Optimizing fund transfer mode, eliminating various intermediate links, relating to direct enterprise accounts of enterprises, relating to direct personal accounts of individuals and realizing instant account arrival of various fund subsidies. Supervision and audit requirements are brought into a platform operation process, and through online closed-loop management, the whole process of enterprise and personal enjoyment policy conditions is marked, and online fund cashing conditions are controllable in real time, so that online traceability of cashing amount is ensured.
The embodiment of the present invention provides a possible implementation manner, and in this implementation manner, the method further includes:
receiving a viewing request triggered by a user;
and displaying policy redemption conditions based on the viewing request.
Receiving a management operation of a user based on a management request triggered by the user;
and managing the policy redemption based on the management operation.
In the embodiment of the present invention, as shown in fig. 5, after logging in to a platform, a government end or an enterprise/personal user end may check and manage information, where the checked data includes a settlement account, a redeemable list, a redemption statistic, a policy flow, intermediate data, an algorithm code, etc., a user may perform a suspicious complaint on a result of unsatisfied redemption, and the government end may perform complaint processing on the complaint, so as to realize that the enterprise and the personal enjoy policy conditions with trace in the whole course and the online redemption conditions of funds are controllable in real time, and ensure that the redemption amount can be traced on line.
According to the embodiment of the invention, the cashable user is determined by reading the policy initial data and carrying out the intercommunication on the policy initial data, the intercommunication result is sent to the cashable user according to the registration condition of the cashable user, the cashable user can directly click to confirm the cashing to obtain the government subsidy, and the traditional 'first declaration and then audit' is 'government first audit and beneficiary then confirmation'. The enterprises or individuals enjoying subsidies can realize automatic examination and verification of the policy, system cashing and immediate account arrival of the subsidies only after one-key confirmation on the platform, thus greatly reducing the handling link, measuring and transforming the policy cashing process by using big data, synchronously and accurately measuring and calculating the subsidy range and subsidy amount after policy issuing, changing 'examination and approval layer by layer' into 'data calculation rule making and data result measuring and calculating', and improving the cashing timeliness.
An embodiment of the present invention provides a policy redemption device, as shown in fig. 5, the policy redemption device 50 may include: a data acquisition module 501, a user confirmation module 502, an information sending module 503, and a cashing module 504, wherein,
a data obtaining module 501, configured to obtain policy initial data;
the user confirmation module 502 is configured to perform a computation on the policy initial data to obtain a computation result, and determine a cashable user;
the information sending module 503 is configured to obtain registration information of the cashable user, and automatically send the result of the calculation to the registered cashable user;
a redeeming module 504, configured to enter a subsidy into an account of the registered redeemable user according to the confirmed redemption information sent by the registered redeemable user.
Optionally, the user confirmation module 502 performs a calculation on the policy initial data to obtain a calculation result, and when determining a redeemable user, may be configured to:
determining a subsidy range according to the policy initial data;
and determining the users within the subsidy range as the cashable users.
Optionally, when the policy initial data does not meet the frame calculation requirement, the policy cashing device may be further configured to:
when the policy initial data is result data, determining a cashable user according to the policy initial data;
and when the policy initial data is not the result data, carrying out result processing on the policy initial data to obtain result data, and determining a cashable user.
Optionally, the user confirmation module 502 may be used for performing the frame calculation on the policy initial data;
determining business data related to the policy based on the policy initial data;
carrying out standardized processing on the service data;
determining a screening model based on the business data after the normalized processing and the user related to the policy;
and screening the users related to the policy through the screening model to determine the redeemable users and the subsidized total of the redeemable users.
Optionally, the policy redemption device may be further configured to:
when the difference value between the subsidized total amount of the redeemable user and the preset subsidy budget exceeds a threshold value, re-determining a screening model based on the business data after the normalized processing and the user related to the policy, and determining the subsidized total amount of the redeemable user and the redeemable user based on the re-determined screening model until the difference value between the subsidized total amount of the redeemable user and the preset subsidy budget is within the threshold value.
Optionally, the policy redemption device may be further configured to:
receiving a viewing request triggered by a user;
and displaying policy redemption conditions based on the viewing request.
Optionally, the policy redemption device may be further configured to:
receiving a management operation of a user based on a management request triggered by the user;
and managing the policy redemption based on the management operation.
The policy redemption device of the embodiment of the present invention can execute the policy redemption method of the embodiment of the present invention, which has similar implementations and is not described herein again.
According to the embodiment of the invention, the cashable user is determined by reading the policy initial data and carrying out the intercommunication on the policy initial data, the intercommunication result is sent to the cashable user according to the registration condition of the cashable user, the cashable user can directly click to confirm the cashing to obtain the government subsidy, and the traditional 'first declaration and then audit' is 'government first audit and beneficiary then confirmation'. The enterprises or individuals enjoying subsidies can realize automatic examination and verification of the policy, system cashing and immediate account arrival of the subsidies only after one-key confirmation on the platform, thus greatly reducing the handling link, measuring and transforming the policy cashing process by using big data, synchronously and accurately measuring and calculating the subsidy range and subsidy amount after policy issuing, changing 'examination and approval layer by layer' into 'data calculation rule making and data result measuring and calculating', and improving the cashing timeliness.
Referring now to FIG. 6, a block diagram of an electronic device 600 suitable for use in implementing embodiments of the present invention is shown. The terminal device in the embodiments of the present invention may include, but is not limited to, a mobile terminal such as a mobile phone, a notebook computer, a digital broadcast receiver, a PDA (personal digital assistant), a PAD (tablet computer), a PMP (portable multimedia player), a vehicle terminal (e.g., a car navigation terminal), and the like, and a fixed terminal such as a digital TV, a desktop computer, and the like. The electronic device shown in fig. 6 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
The electronic device includes: a memory and a processor, wherein the processor may be referred to as a processing device 601 described below, and the memory may include at least one of a Read Only Memory (ROM) 602, a Random Access Memory (RAM) 603, and a storage device 608, which are described below:
as shown in fig. 6, electronic device 600 may include a processing means (e.g., central processing unit, graphics processor, etc.) 601 that may perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM) 602 or a program loaded from a storage means 608 into a Random Access Memory (RAM) 603. In the RAM 603, various programs and data necessary for the operation of the electronic apparatus 600 are also stored. The processing device 601, the ROM 602, and the RAM 603 are connected to each other via a bus 604. An input/output (I/O) interface 605 is also connected to bus 604.
Generally, the following devices may be connected to the I/O interface 605: input devices 606 including, for example, a touch screen, touch pad, keyboard, mouse, camera, microphone, accelerometer, gyroscope, etc.; output devices 607 including, for example, a Liquid Crystal Display (LCD), a speaker, a vibrator, and the like; storage 608 including, for example, tape, hard disk, etc.; and a communication device 609. The communication means 609 may allow the electronic device 600 to communicate with other devices wirelessly or by wire to exchange data. While fig. 6 illustrates an electronic device 600 having various means, it is to be understood that not all illustrated means are required to be implemented or provided. More or fewer devices may alternatively be implemented or provided.
In particular, according to an embodiment of the present invention, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, an embodiment of the invention includes a computer program product comprising a computer program carried on a non-transitory computer readable medium, the computer program containing program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network via the communication means 609, or may be installed from the storage means 608, or may be installed from the ROM 602. The computer program, when executed by the processing means 601, performs the above-described functions defined in the method of an embodiment of the invention.
It should be noted that the computer readable medium of the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, either in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: electrical wires, optical cables, RF (radio frequency), etc., or any suitable combination of the foregoing.
In some embodiments, the clients, servers may communicate using any currently known or future developed network protocol, such as HTTP (HyperText transfer protocol), and may be interconnected with any form or medium of digital data communication (e.g., a communications network). Examples of communication networks include a local area network ("LAN"), a wide area network ("WAN"), the Internet (e.g., the Internet), and peer-to-peer networks (e.g., ad hoc peer-to-peer networks), as well as any currently known or future developed network.
The computer readable medium may be embodied in the electronic device; or may exist separately without being assembled into the electronic device.
The computer readable medium carries one or more programs which, when executed by the electronic device, cause the electronic device to: acquiring policy initial data; carrying out the frame calculation on the policy initial data to obtain a frame calculation result, and determining a cashable user; acquiring registration information of the cashable user, and sending the result of the settlement to the registered cashable user; and according to the confirmed cashing information sent by the registered cashable user, inputting subsidies into the account of the registered cashable user.
Computer program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including but not limited to an object oriented programming language such as Java, Smalltalk, C + +, and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules or units described in the embodiments of the present invention may be implemented by software, or may be implemented by hardware.
The functions described herein above may be performed, at least in part, by one or more hardware logic components. For example, without limitation, exemplary types of hardware logic components that may be used include: field Programmable Gate Arrays (FPGAs), Application Specific Integrated Circuits (ASICs), Application Specific Standard Products (ASSPs), systems on a chip (SOCs), Complex Programmable Logic Devices (CPLDs), and the like.
In the context of the present invention, a machine-readable medium may be a tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. The machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. More specific examples of a machine-readable storage medium would include an electrical connection based on one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
The foregoing description is only exemplary of the preferred embodiments of the invention and is illustrative of the principles of the technology employed. It will be appreciated by those skilled in the art that the scope of the disclosure herein is not limited to the particular combination of features described above, but also encompasses other embodiments in which any combination of the features described above or their equivalents is encompassed without departing from the spirit of the disclosure. For example, the above features and (but not limited to) features having similar functions disclosed in the present invention are mutually replaced to form the technical solution.
Further, while operations are depicted in a particular order, this should not be understood as requiring that such operations be performed in the particular order shown or in sequential order. Under certain circumstances, multitasking and parallel processing may be advantageous. Likewise, while several specific implementation details are included in the above discussion, these should not be construed as limitations on the scope of the invention. Certain features that are described in the context of separate embodiments can also be implemented in combination in a single embodiment. Conversely, various features that are described in the context of a single embodiment can also be implemented in multiple embodiments separately or in any suitable subcombination.
Although the subject matter has been described in language specific to structural features and/or methodological acts, it is to be understood that the subject matter defined in the appended claims is not necessarily limited to the specific features or acts described above. Rather, the specific features and acts described above are disclosed as example forms of implementing the claims.
Claims (10)
1. An on-line policy instant redemption method, comprising:
acquiring policy initial data;
carrying out the frame calculation on the policy initial data to obtain a frame calculation result, and determining a cashable user;
acquiring registration information of the cashable user, and automatically sending the result of the settlement to the registered cashable user;
and according to the confirmed cashing information sent by the registered cashable user, inputting subsidies into the account of the registered cashable user.
2. The method of claim 1, wherein the performing a tally on the policy initiation data to obtain a tally result and determine a redeemable user comprises:
automatically measuring and calculating the subsidy range according to the policy initial data and by combining the government subsidy budget;
and determining the users within the subsidy range as the cashable users.
3. The method of claim 1, wherein when the policy initiation data does not satisfy the computation requirements, the method further comprises:
when the policy initial data is result data, determining a cashable user according to the policy initial data;
and when the policy initial data is not the result data, carrying out result processing on the policy initial data to obtain result data, and determining a cashable user.
4. The method of claim 1, wherein said performing a computation on said policy initiation data comprises;
determining business data related to the policy based on the policy initial data;
carrying out standardized processing on the service data;
determining a screening model based on the business data after the normalized processing and the user related to the policy;
and screening the users related to the policy through the screening model to determine the redeemable users and the subsidized total of the redeemable users.
5. The method of claim 4, further comprising:
when the difference value between the subsidized total amount of the redeemable user and the preset subsidy budget exceeds a threshold value, re-determining a screening model based on the business data after the normalized processing and the user related to the policy, and determining the subsidized total amount of the redeemable user and the redeemable user based on the re-determined screening model until the difference value between the subsidized total amount of the redeemable user and the preset subsidy budget is within the threshold value.
6. The method of claim 1, further comprising:
receiving a viewing request triggered by a user;
and displaying policy redemption conditions based on the viewing request.
7. The method of claim 6, further comprising:
receiving a management operation of a user based on a management request triggered by the user;
and managing the policy redemption based on the management operation.
8. An online policy instant redemption device, comprising:
the data acquisition module is used for acquiring policy initial data;
the user confirmation module is used for carrying out the calculation of the initial policy data to obtain a calculation result and determining a cashable user;
the information sending module is used for acquiring the registration information of the cashable user and automatically sending the result of the calculation to the registered cashable user;
and the cashing module is used for inputting subsidies into the account of the registered cashable user according to the confirmed cashing information sent by the registered cashable user.
9. An electronic device, comprising:
one or more processors;
a memory;
one or more applications, wherein the one or more applications are stored in the memory and configured to be executed by the one or more processors, the one or more programs configured to: executing the method of on-line policy instant redemption according to any one of claims 1 to 7.
10. A computer readable storage medium having stored thereon at least one instruction, at least one program, a set of codes, or a set of instructions, which is loaded and executed by a processor to implement the method of online policy instant redemption according to any one of claims 1 to 7.
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Application publication date: 20201106 |