CN112215712A

CN112215712A - Data processing method and system

Info

Publication number: CN112215712A
Application number: CN202011031793.5A
Authority: CN
Inventors: 戚桂凤; 陶军; 程君华; 邱琴霞
Original assignee: CCB Finetech Co Ltd
Current assignee: Ccb Life Insurance Co ltd
Priority date: 2020-09-27
Filing date: 2020-09-27
Publication date: 2021-01-12

Abstract

The invention provides a data processing method and a data processing system. The data processing method comprises the following steps: acquiring policy information; the policy information includes an insurance product type; determining the service category according to the insurance product type; creating a corresponding account according to the service category, and extracting attributes corresponding to the account from the policy information; receiving a service request, and determining a corresponding account according to a service category included in the service request; and executing the service corresponding to the service request according to the attribute of the corresponding account. The invention provides a complete and comprehensive data system based on the customer perspective by an account-making mode of the policy, unifies the insurance rights and interests and guarantee responsibilities of the customer, and reduces the risk of claim payment.

Description

Data processing method and system

Technical Field

The present invention relates to the field of data processing technologies, and in particular, to a data processing method and system.

Background

The account, as it is commonly referred to in the current insurance industry, is often referred to as the value of the account of the policy, or alternatively, the universal, connected account. For the lack of a complete data system of insurance rights and interests, guarantee responsibilities and the like of the customers, behavior statistics and risk accumulation information of the customers are scattered at each specific application point: such as calculating customer-related data information according to specific business scenarios in the process of underwriting or claim settlement.

The client can buy a plurality of insurance products in the insurance company, and for one client, the insurance company combines the products bought by the client to establish a single data in each insurance policy, and only takes the insurance policy as a management object. If the insurance data of a customer needs to be analyzed, the data scattered in various places needs to be collected and gathered, then the data are assembled and processed according to business needs, a unified, concentrated and comprehensive data system is lacked, the miscounting easily occurs, and the risk of claim payment is improved.

The technical scheme in the prior art is that on the basis of policy data, insurance rights and interests and guarantee responsibilities of a policy are independently abstracted and stored, and a responsibility view and a rights and interests view of a client are formed by combing the responsibilities and the rights and interests. The responsibility is divided into general cause/disability, accident cause/disability, serious disease, cancer and general hospitalization allowance to show the maximum guarantee (highest claim amount) that the customer can obtain under different conditions. The client can clearly know the account value, the dividend, the survival fund and the expiration fund of all asset type products under the name of the client by virtue of the insurance rights view, including all the insurance rights previously taken and currently available and all the insurance rights expected to be taken in the next year.

The scheme in the prior art analyzes and constructs the guarantee responsibility and insurance rights and interests data of the client, and forms an insurance data view concerned by the client on the basis of facing the client. However, for the internal management user, the data coverage is not comprehensive enough, and besides the data concerned by the client, the data lack concerned by the management aspects such as the core fee premium and the client insurance behavior statistics, such as the marketing, risk, internal control, and the like of the insurance company. The scheme only focuses on a relatively local content of a client visual angle, and does not perform panoramic perspective on insurance data of the client, and the considered visual angle is only oriented to the client and is not based on the client.

Disclosure of Invention

The embodiment of the invention mainly aims to provide a data processing method and a data processing system, which provide a complete and comprehensive data system based on a customer perspective by an account-making mode, unify insurance rights and interests and guarantee responsibilities of customers and reduce the risk of claim payment.

In order to achieve the above object, an embodiment of the present invention provides a data processing method, including:

acquiring policy information; the policy information includes an insurance product type;

determining the service category according to the insurance product type;

creating a corresponding account according to the service category, and extracting attributes corresponding to the account from the policy information;

receiving a service request, and determining a corresponding account according to a service category included in the service request;

and executing the service corresponding to the service request according to the attribute of the corresponding account.

An embodiment of the present invention further provides a data processing system, including:

a policy information acquisition unit for acquiring policy information; the policy information includes an insurance product type;

the business category creating unit is used for determining the business category according to the insurance product type;

the account creating and extracting unit is used for creating a corresponding account according to the service type and extracting the attribute corresponding to the account from the policy information;

the account determining unit is used for receiving the service request and determining a corresponding account according to the service category included in the service request;

and the service execution unit is used for executing the service corresponding to the service request according to the attribute of the corresponding account.

The embodiment of the present invention further provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and running on the processor, and the processor implements the steps of the data processing method when executing the computer program.

Embodiments of the present invention further provide a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements the steps of the data processing method.

The data processing method and the system of the embodiment of the invention firstly determine the service type according to the insurance product type in the policy information, then establish the corresponding account according to the service type, extract the attribute corresponding to the account from the policy information, and then execute the service according to the attribute of the account corresponding to the service type included in the service request.

Drawings

In order to more clearly illustrate the embodiments of the present invention 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 invention, and it is obvious for those skilled in the art that other drawings can be obtained based on these drawings without creative efforts.

FIG. 1 is a flow chart of a data processing method in an embodiment of the invention;

FIG. 2 is a flow chart of insurance termination in an embodiment of the present invention;

FIG. 3 is a flow chart of insurance termination in another embodiment of the present invention;

FIG. 4 is a flow chart of an insurance renewal in accordance with an embodiment of the present invention;

FIG. 5 is a flow chart of an insurance renewal in accordance with another embodiment of the present invention;

FIG. 6 is a block diagram of a data processing system in an embodiment of the present invention;

fig. 7 is a block diagram of a computer device in the embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, 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 invention.

As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.

In view of the fact that the prior art lacks a complete and comprehensive data system based on a customer perspective, which is easy to generate miscarriage and improves the risk of claim payment, the embodiment of the invention provides a data processing method, which provides a complete and comprehensive data system based on a customer perspective by an account-making mode of policy, unifies the insurance rights and guarantee responsibilities of customers, and reduces the risk of claim payment. The present invention will be described in detail below with reference to the accompanying drawings.

The invention relates to a client insurance policy data management technology in an insurance core system, which takes a client as a center, expresses the insurance rights and interests, guarantee responsibility, insurance behavior statistics, risk accumulation and the like of the client through an account system, forms an enterprise-level insurance policy account system of a client view angle, realizes the centralized and unified management of client insurance data, supports the comprehensive understanding of the client insurance data from all aspects, and provides a multi-dimensional data support for client portrayal. Meanwhile, a visual effect that a customer shares a policy is formed through data support of all dimensions; data is focused on the customer through the account system, and all insurance data under the customer is expanded from the account type.

The invention builds a policy account system from bottom to top from responsibility, dangerous seeds, policy to client, and summarizes from the perspective of guarantee responsibility and insurance rights and interests of each product. In order to accurately express the guarantee responsibility enjoyed by the client, each responsibility is independently used as an account, the specific condition of each responsibility is recorded, and the guarantee coverage condition and the compensation condition of the client are formed from the perspective of the accident reason and the accident result corresponding to the responsibility.

Each equity is also an account, and for the equity, there is a separation of broad class and fine class, for example, the pay type insurance money is divided into education money and congratulatory life money according to the characteristics of the insurance product. For different types of interests, such as survival money and dividends, the method has different characteristics, and differential attribute design can be performed on account design according to the characteristics of the interests. At the policy level, there are premium accounts, cash value accounts, and action accounts for the policy in addition to the up-summarized benefits-like insurance accounts and equity accounts.

The creation and maintenance of accounts is reflected in the various insurance activities of the customer. When a customer purchases insurance products, the range of accounts that the customer can create is determined according to the characteristics of each account and the definition of the products. And subsequently, the change and maintenance of the corresponding account information are triggered along with the occurrence of customer behaviors, the right settlement of insurance products and the like. The method is the same as a bank account system, each type of account has corresponding account detail records besides the account, and the change of account information triggered by each service is reflected, including the change of balance or state.

The creation of the policy account system is based on products, and only by performing abstract analysis on different products, a primary framework of the policy account system can be built. On the basis of a primary framework, requirements of operation and risk management and control are combined, various insurance services are considered, and the method is completed continuously and finally formed. The first step of the invention is to determine the account types covered in the policy account system, then further analyze and comb each account type, consider the characteristics of different accounts and output the attribute design of each account. There is also a certain commonality between different types of accounts for insurance companies, so each account is composed of common attributes and unique attributes.

After the account is created, account details are also necessary for each account, and the design of the account details requires analyzing each business event triggering account change and recording key business information in the account details. The account balance is combined with the details, and finally the full life cycle of one account can be completely embodied. The current insurance status of the client can be seen through the balance of each account at one time point; the change of the account trend can be seen through the balance of one account at a plurality of time points; the flexible expression of the account enables the client and the insurance company to clearly acquire the information which the client and the insurance company want to acquire according to the needs of the client and the insurance company.

After the account corresponding to the insurance product is determined, the business event triggering the change of each account can be determined by combining the characteristics of each account and different insurance behaviors, so that the complete corresponding relation between the event and the account is formed, and the accuracy and the integrity of account data are ensured.

Fig. 1 is a flowchart of a data processing method in an embodiment of the present invention. As shown in fig. 1, the data processing method includes:

s101: acquiring policy information; the policy information includes the insurance product type.

S102: the business category is determined according to the insurance product type.

S103: and creating a corresponding account according to the service category, and extracting the attribute corresponding to the account from the policy information.

Wherein, extracting attributes corresponding to the account from the policy information comprises: and extracting attributes corresponding to the account from the policy information according to a preset rule.

TABLE 1

Account type	Creating conditions
		Premium account	Unconditionally
Cash value account	Account type insurance product
		Universal Account	Universal safety product
Tax-based account	Tax-optimized insurance product
		Tax delay account	Tax delay type insurance product
Drop-and-connect account	Throw-connecting type insurance product
		Bonus account	Insurance product with dividend rights and interests
Payment account	Insurance product with paying type insurance fund rights and interests
		Debit account	Creation after a client has performed a borrowing action based on an insurance product
Claim account	Insurance product with insurance liability of paying class
		Action account	Unconditionally

TABLE 2

Account type	Triggering a modification event
		Premium account	Paying or refunding the premium caused by renewal, security, or settlement
Cash value account	Value change caused by monthly settlement, security and claims settlement
		Universal account	Account value changes caused by monthly settlement, security, renewal, claims settlement and clearing
Tax-based account	Account value changes caused by monthly settlement, security, renewal, claims settlement and clearing
		Tax delay account	Account value changes caused by monthly settlement, security, renewal, claims settlement and clearing
Drop-and-connect account	Account value changes caused by monthly settlement, security, renewal, claims settlement and clearing
		Bonus account	The change of the bonus amount caused by bonus allocation, renewal, claim settlement, drawing and clearing
Payment account	Insurance fund change caused by regular paying, security, claim settlement, drawing and clearing
		Debit account	Account change caused by borrowing, interest bearing, repayment and interest bearing
Claim account	Insurance fund change caused by claim settlement and security
		Action account	Contract, claim settlement, and security action

Table 1 is an account creation condition table. Table 2 is a table of business events that trigger account modifications. As shown in table 1, the accounts include premium accounts, dividend accounts (dividend-like insurance account), and action accounts. As shown in table 2, after a customer purchases an insurance product, an insurance account is initialized according to corresponding conditions (including product type, product interest, product responsibility, and the like) configured for the insurance product, and then the account is updated according to different insurance behaviors of the customer.

Wherein, accounts other than the action account all have the following common attributes: policy number, seed code, rights and interests owner, account opening date, account closing date, account status, authority, account type, account subtype, account balance, and last update time. Account details other than the behavioral account details each include the following common attributes: a service event type, a service event number, a fee type, a fee amount, a charge number, an occurrence date, and an actual processing date. The above-described attribute design of an account is not applicable to a behavioral account, which has its own unique attributes.

The premium account reflects premium information generated by the client in the insurance behavior, and comprises premium paid, premium handling and premium overflowing of the client, and covers the condition of automatic payment under the premium handling condition or deduction of the premium by other accounts (a cash value account, a universal account and a connection account) during delayed payment. The source and payment condition of each premium are reflected in the premium account. The premium account covers personal insurance products purchased by the customer or group insurance products purchased by the entity, while the entity is also established as premium account information for the customer. The unique attributes of the premium account include the amount of the premium due for the next period, the time of the payment due for the next period, the total amount of the payment due for the current policy year, the amount of the exemption, the time of the start of the exemption, the self-charging premium for the current period, the self-charging interest for the current period, the accumulated self-charging premium, the accumulated self-charging interest for the self-charging, the outstanding premium due for the payment due for the last time, the remaining outstanding premium, and the amount of the premium overflowed. The special attributes of the premium account detail include payment responsibility code, account arrival time, verification and cancellation time, payment mode, unit payment amount and individual payment amount.

For the responsibility of paying, a account of paying is created according to each responsibility, and the accident reason and the accident result corresponding to the responsibility are identified. And on a client layer, embodying the guarantee responsibility information of the client according to the accident reason and result. The guarantee amount and the claim condition of the responsibility are the most critical, the account balance and the account detail can be combined through the claim account, the summary of the claim condition of the client is omitted, and meanwhile, the amount of the responsibility condition for restricting the claim, such as the limit or the times, is expressed on the responsibility level. The unique attributes of the claim account include the type of responsibility, the responsibility code, the total amount of responsibility, the number of paid times, the amount paid, the start time of responsibility, the end time of responsibility, the limit of responsibility, and the exempt amount. The unique attributes of the claim account details include the type of responsibility, the responsibility code, the time of the payment and the object of the payment.

The action account expresses two parts, one part is the analysis statistics of the client insurance action, and the other part is the summary of the information about the client risk accumulation. The client insurance behavior refers to the behavior operation performed by the client at the insurance company, and is regarded as the behavior for each action with the result meaning. Taking the contract as an example, the method comprises the steps of applying insurance, canceling insurance, underwriting, refusing insurance and communicating underwriting. The insurance behavior view of the client is formed by summarizing and summarizing the client behaviors, so that the behavior preference of the client is clearly disclosed; meanwhile, based on the security behaviors and the claim settlement behaviors of the client, the risk information of the client can be judged in an auxiliary mode. The behavior account can reflect the liveness of the client on insurance, and can play a certain referential significance for client marketing. The behavior similar to the behavior of canceling the application for many times can be used as the reference for the analysis basis of invalid clients. Behavioral accounts focus on the customer itself, whose attribute design tends to count class information, such as: for insurance behavior statistics (including customer number, behavior type, and statistics); and risk accumulation statistics (including customer number, risk seed code, risk accumulation type, accumulation value, and threshold). The behavior account details are general.

In one embodiment, the accounts further include a equity account, a debit account, and a cash value account; equity accounts include interest accounts and investment accounts; interest accounts include bonus accounts and payout accounts (payout-type insurance account); the investment accounts include universal accounts, tax-preferred accounts, tax-delayed accounts and connecting accounts.

Bonuses are a form of equity that is common in insurance products. The bonus account is also created after the policy is issued, and the client is entitled to this benefit on behalf of the client. The issuing frequency of the dividend is relatively fixed and is often the anniversary. Calculating a dividend amount after the dividend factor is published; and simultaneously, transferring the money amount to a corresponding bonus account by combining a bonus drawing mode. When the bonus account is changed into the universal account, the money is recorded in the bonus account and then the money is entered into the universal account, and the money is recorded in the universal account. The place where each bonus is going can be clearly seen through the form of the bonus account, including the payment premium of the bonus. According to the business processing rule, if the balance of the account is transferred, a transaction detail is generated in the corresponding account. The unique attributes of the bonus account include principal, accumulated bonus amount, accumulated bonus interest, up-date bonus amount, up-date bonus factor, received bonus amount, receivable bonus amount, current bonus receiving mode, up-date dispensing time and down-date dispensing time.

In one embodiment, the manner of earning the dividend is as follows: and after the dividend factor is published, calculating the dividend of the client according to the principal, the dividend calculation mode, the dividend rate and the dividend drawing mode in the dividend account, and updating the calculated amount to the principal of the dividend account. If the bonus drawing mode is accumulated living, carrying out interest calculation according to the appointed interest rate, and accumulating the interest into the bonus account principal; if the bonus drawing mode is direct drawing, a drawing record is generated at the same time, the amount is deducted from the bonus account and is issued to the client through a convention mode, and the amount drawn by the client is updated. And after the settlement is finished, updating information such as next bonus getting time and next getting mode.

Pay-type insurance funds (annuity pay) are a common interest in the insurance industry, and generally include annuity, survival funds, congratulatory and educational funds, and the like. The account of the payment type insurance fund (payment account) is created after the insurance policy is issued, an account is created independently for each specific insurance fund type, and for a client, the rights and interests of each item can be carefully seen, and the condition of the payment type insurance fund can also be comprehensively seen. For paying type insurance funds, individuals and units can purchase and pay; on the customer level, the amounts respectively paid by the individual and the unit can be seen, and the receivable amount comprises rights and interests from the individual and the unit. The survival fund expressed in the form of the account visually reflects the entering and exiting conditions of each paid insurance fund fee in the account detail record, and information such as total sum, balance, received sum, accumulated interest and the like can be clearly seen in the balance account, and the expectation of the next income (including next issuing time, issuing sum, issuing mode and the like) can be clearly seen.

In one embodiment, the manner of earning annuals is as follows: and acquiring the next annuity collection day calculated during initialization in the payment account, calling an annuity calculation formula matched with the insurance product, and calculating the amount of the annuity which can be collected by the customer at this time. If the annuity drawing mode is accumulated and accrued, carrying out interest calculation according to the appointed interest rate and accumulating the interest into the payment account; if the annual fund drawing mode is direct drawing, a drawing record is generated at the same time, the sum is deducted from the principal of the payment account, the sum is issued to the client through a convention mode, and the drawn sum of the client is updated. And after the settlement is finished, updating the next annuity issuing time. The specific attributes of the payment account include unit payment amount, personal payment amount, belonged personal amount, accumulated interest, receivable amount, received amount, last settlement time, next settlement time, last received amount, last received time, current receiving mode and settlement interest rate. The specific attributes of the payment account details include a payment responsibility code, a payment object, a time due, an actual payment time, and a pickup method.

The cash value of a policy, also known as "clearing and refunding money" or "refunding value," refers to the value of a life insurance policy with deposit properties. Cash value is a commonly used concept in insurance products, requiring calculation and use in a variety of insurance businesses. At present, common practice is to calculate during use, and analysis and embodiment of past history of the cash value of the insurance policy are lacked. After the cash value is used as the account record, the change trend and the floating condition of the policy account value can be clearly seen through the account balance every day, and the risk charge of the customer for refunding can be preliminarily known and predicted. The unique attributes of cash value include the current policy year initial cash value, the policy year effective date, the T day reference cash value, and the unexpired flat premium. Where T days are the dates of the account's cash value. For example, if the date T is 24/2/2019, the reference cash value T is the reference cash value of the account on 24/2/2019. Besides basic events such as value getting and refunding triggered by business, the cash value account can be updated and calculated every day to form an account track. The cash value account can be used in conventional transactions (such as paying premium) and can generate a value trend graph similar to a stock curve through the detail records of the cash value account, so that a customer can clearly know the value of an insurance product.

The unique attributes of the universal account include the total amount of the account, the cumulative revenue, the amount received, the most recent settlement interest, and the most recent settlement time. The unique attributes of the universal account details include settlement interest rate, settlement time, and minimum guaranteed interest rate.

The tax-excellent products belong to one of universal products, and account design is not carried out on the tax-excellent products independently, and the tax-excellent products belong to universal accounts in a general way. However, for the tax-preferred products, there are some differences from the common universal products, and in addition, the products are also different from other universal products in terms of supervision, so the tax-preferred account is created separately for the tax-preferred products. The specific attributes of the tax-premium account include the total amount of the account, the cumulative revenue, the most recent settlement interest, and the most recent settlement time. The specific attributes of the tax account details include settlement interest rate, settlement time, and minimum guaranteed interest rate.

The creation of the tax delay account is the same as the tax excellent account. The unique attributes of the tax payment account include the total amount of the account, the accumulated revenue, the most recent settlement interest, the most recent settlement time, and the date the pension began to be earned. The specific attributes of the tax delay account details include settlement interest rate, settlement time, and minimum guaranteed interest rate.

The specific attributes of the account to be charged include the total amount of the account, the total income of the account, the amount received, the proportion of investment and the investment cost. The unique attributes of the posting account details include account unit number, pricing status, account proportions, bid price, selling price and pricing processing day.

The borrowing account is created when a customer applies for borrowing through a security action, the borrowing action and the repayment action are reflected in the account detail, and the current borrowing balance, the arrearage amount and the like of the customer can be seen obviously from the account balance. When the insurance company pays various insurance funds and account values, principal and interest to be paid can be directly deducted through the debit account. The internal operator can also visually know the risk information of the client from the debit account. The special attributes of the borrowing account comprise a borrowing principal, a borrowing interest rate, a current borrowing time, a borrowing due date, a last repayment time, a last repayment principal, a last repayment interest, an accumulated borrowing amount, an accumulated repayment interest and accumulated borrowing times. The special attributes of the details of the borrowing account comprise a repayment mode, a borrowing interest rate, a borrowing time, a borrowing due date, a borrowing balance and an arrears amount.

When the method is specifically implemented, the account type of a customer is initialized according to the insurance product type purchased by the customer, wherein a premium account and a behavior account are established by default, a rights and interests account is established through the configuration relation between the product and the rights and interests account, if the product A configures the bonus rights and interests and pays the rights and interests, a bonus account and a paying account are established, and the basic information of the account is initialized according to an insurance contract, wherein the basic information comprises a bonus drawing mode, an annuity drawing mode, the next annuity drawing date and the like; the pay account is created through the configuration relationship between the product and the responsibility, and if the product is configured with the accident guarantee responsibility, the accident pay type insurance fund is created. Meanwhile, the client premium transaction details are added in the premium account, the information such as the payment amount and the payment mode is recorded corresponding to the payment record of the new bill, and the payment time and the amount of the next due payment are calculated. And recording the number of times of the client applying the insurance action in the action account.

When the client applies for the borrowing, the amount of the borrowable money of the client is calculated through a cash value account and the like according to the borrowing application time of the client. After the client borrows, a borrowing account is generated, and key information such as borrowing time, borrowing interest rate, interest date, borrowing due date and borrowing amount is recorded.

S104: and receiving a service request, and determining a corresponding account according to the service category included in the service request.

S105: and executing the service corresponding to the service request according to the attribute of the corresponding account.

In one embodiment, when the service request is an insurance termination request, S105 includes:

determining premium refund details according to the attribute of the premium account corresponding to the insurance termination request; and refunding according to the insurance fee refunding detail and recording the refunding action in the action account.

In specific implementation, whether more premium accounts exist in the premium account can be judged, and the overflowed amount is used as the premium refund detail.

In one embodiment, when the service request is a claim settlement request, S105 includes: determining the claim amount according to the attribute of the claim payment account corresponding to the claim settlement request; and carrying out claim settlement according to the claim settlement amount and recording claim settlement behaviors in the behavior account.

In specific implementation, a client browses insurance account information, and submits materials after knowing the claim right of the client and the corresponding limit, limit and non-claim condition through a claim account to initiate claim settlement. According to the invention, firstly, the corresponding responsibility is matched according to the attribute of a claim payment account corresponding to a claim settlement request, and the initial claim settlement amount is determined; and then matching the liability limit according to the claim settlement request, and judging whether the initial claim amount exceeds the liability limit or not so as to finally obtain the claim amount. The invention provides a convenient and fast pay responsibility overview through the pay account, controls the pay amount of the claim settlement fund through the responsibility quota and reduces the pay risk of the insurance company.

After the claims are settled according to the settlement amount and the settlement behavior is recorded in the behavior account, the balance of the claims-paying insurance premium can be updated, and information such as paid times, paid amount, responsibility quota and quota exemption can be calculated.

If the client is unfortunate, the beneficiary can carry out claim settlement according to the insurance contract, the responsibility information which can be paid is inquired according to the claim settlement account of the insurer, the base data such as the premium and the like is obtained, and the claim settlement amount is calculated. After the benefits are completed, the benefits account records the transaction record of the benefits. Meanwhile, if the remaining bonus accounts, the payment accounts and the cash value accounts of the client have unsettled amounts, the beneficiary can receive the unsettled amounts. The state of all accounts of the client is updated to be terminated, the termination time is updated, and the account is updated to be zero after being cleared. The action account records the number of times of claims of the client, so the value of the number of times of claims cannot be embodied for the sake of example, and the action account has data significance if the action account is used for multiple medical claims.

The execution subject of the data processing method shown in fig. 1 may be a computer. As can be seen from the process shown in fig. 1, the data processing method according to the embodiment of the present invention determines the service type according to the insurance product type in the policy information, creates the corresponding account according to the service type, extracts the attribute corresponding to the account from the policy information, and executes the service according to the attribute of the account corresponding to the service type included in the service request, and can provide a complete and comprehensive data system based on the customer perspective by making the policy into an account, unify the insurance rights and guarantees of the customer, and reduce the risk of reimbursement.

FIG. 2 is a flow chart of insurance termination in an embodiment of the present invention. As shown in fig. 2, when receiving the insurance-terminating request, S105 further includes:

s201: and generating the settlement details according to the account interest attribute of the equity account corresponding to the insurance termination request.

In specific implementation, whether forced settlement is needed or not is judged according to the previous settlement time and the getting mode; if the settlement is needed, the settlement is forced according to the interest from the previous settlement time to the current time, and an account settlement detail is generated.

S202: and determining the amount to be paid according to the settlement details and the accumulated amount in the equity account.

In specific implementation, whether the current equity account still has the receivable amount (accumulated amount) is judged, the amount to be paid is determined by combining the receiving mode and the generated settlement details, and two account receiving details are generated.

S203: and determining the refund detail according to the premium refund detail and the amount to be paid.

S204: and refunding according to the refund detail and recording the refund action in the action account.

Wherein other status information of the insurance contract may also be processed after executing S204. The client can browse various accounts which are cleared and have corresponding transaction details in turn by inquiring the insurance contract. The invention simplifies various rights and accounts of responsibility into client settlement logic, has clear processing process, avoids repeated settlement and reduces the payment risk of insurance companies.

FIG. 3 is a flow chart of insurance termination in another embodiment of the present invention. As shown in fig. 3, before executing S204, the method further includes:

s301: and generating borrowing interest details according to the account interest attributes of the borrowing account.

And during specific implementation, judging whether the borrowing amount still exists in the borrowing account, and settling the borrowing interest detail according to the borrowing interest rate.

S302: and determining the amount of money to be paid according to the interest details of the loan formation and the amount of money to be borrowed in the borrowing account.

S303: and updating the refund detail according to the amount of money to be paid.

In specific implementation, the refund detail is subtracted by the amount to be refunded to obtain the updated refund detail.

In one embodiment, the method further comprises: monitoring the due date of the borrowing, calculating the arrearage (interest details of the borrowing) when the client does not pay after the expiration, simultaneously acquiring the balance of the corresponding cash value account, judging whether the client is allowed to continue the arrearage, and if not, performing the stop processing on the policy of the client. And meanwhile, the state of the debit account is updated, the amount of the arrears and the interest is updated, and the cash value account is updated. If the information is allowed, entering the next borrowing period according to the convention, and updating the information such as the debt and the like.

FIG. 4 is a flow chart of an insurance renewal in accordance with an embodiment of the present invention. As shown in fig. 4, the data processing method further includes:

s401: and acquiring the renewal premium amount according to the type of the insurance product.

Before executing S401, it is necessary to determine whether the premium payment time is reached according to the next due payment time recorded in the premium account, and obtain the renewal premium amount (the next due premium amount) after the premium payment time is reached.

S402: and determining the deduction amount according to the attribute of the interest account.

S403: and determining the premium amount to be paid according to the renewal premium amount and the deduction amount.

S404: and generating a payment notice according to the premium amount to be paid and then sending the payment notice to the customer.

In specific implementation, the customer is supposed to have an interest account which can be used for deducting the premium, the deduction amount is determined at the moment, the premium amount to be renewed is subtracted from the deduction amount to be the premium amount to be paid by the customer, and the customer is informed to pay.

In one embodiment, the method further comprises: receiving the premium amount to be paid from the customer; updating the transaction details of the premium account according to the premium amount to be paid; and updating the transaction details of the interest account and the transaction details of the premium account according to the deduction amount.

In specific implementation, two payment detail records are formed after the customer pays, one record is the premium amount to be paid which is deducted from the customer bank card, and the other record is the deduction amount. The premium account will update its transaction details according to the amount of the premium due. The interest account deducts the charge from the account amount, and calculates the payable amount of the next period, the payable time of the next period, the total amount paid in the dry policy year and the remaining unpaid fee, and updates the corresponding fields.

FIG. 5 is a flow chart of an insurance renewal in accordance with another embodiment of the present invention. As shown in fig. 5, the data processing method further includes:

s501: and when the premium amount to be paid is not received at the time of paying the premium, judging whether the account comprises an investment account or not.

S502: when the account comprises an investment account, the cash value of a cash value account corresponding to the investment account is determined.

S503: and (4) renewing the corresponding insurance product according to the cash value.

In one embodiment, S104 includes: and receiving a rollback request, and determining a corresponding premium account and an interest account according to the service category included in the rollback request. The data processing method further comprises: carrying out transaction back flushing according to the transaction details of the premium account; and carrying out transaction return according to the transaction details of the interest account.

In specific implementation, if the client initiates a rollback request after the renewal is successful, the transaction is reversed from transaction detail recorded in the premium account and the interest account. After the back flushing, the payable fee of the next period, the payable time of the next period, the total amount paid in the current policy year and the remaining unpaid fee are recalculated, and the corresponding fields are updated. The corresponding fee processing on the service and the fee processing triggered by service rollback can be clearly and quickly carried out through the premium account, and the redundant interaction among different data is reduced. The risk of cost processing is reduced, and the error rate is reduced. The customer can quickly and clearly master the information of the customer from the transaction details and the balance records of the account.

In one embodiment, a customer can inquire own rights and interests through a front-end channel, overlap the rights and interests of the same account type of different insurance products of the customer according to the account type owned by the customer, display data recorded in different types of accounts of the customer, meanwhile, conduct inquiry on transaction details for each account, and provide a clear and readable rights and interests view for the customer through account-level output.

In one embodiment, customer marketing may be enabled through behavioral accounts and pay-off accounts. The staff consults the action account of the client, and when the client cancels the application for a plurality of times, the client does not have marketable potential. When the client has an insurance application behavior and the guarantee range in the claim account lacks of the guarantee responsibility of medical treatment, the medical treatment product can be recommended to the client with emphasis, and marketing is successful. When the client carries out medical claims for a plurality of times, the client is indicated to have a dangerous hidden danger, and the investment products are recommended to the client. The basis of the insurance behaviors of the client can be classified and counted through the behavior account, the potential insurance ability of the client can be rapidly analyzed by workers, accurate marketing is realized, and unnecessary risk loss is reduced.

In summary, the data processing method provided by the embodiment of the invention has the following beneficial effects:

the method has the advantages that the insights of the insurance company on the client are improved, various problems of the current insurance company in client insurance view, client portrait and client data management are innovatively solved, the understanding degree and the control capability of the operation on the client are improved, product customization development, marketing and risk prevention are conveniently carried out on the client in a targeted manner, and meanwhile, the service capability of the core on front-end application is improved, for example:

1. unifying customer insurance rights and interests

The client insurance rights and interests are explained by adopting a unified account design, the rights and interests under each insurance policy of each client are converted into accounts, and a rights and interests view from the client perspective is formed from bottom to top. The rights and interests of the client are expressed in an account form, the remaining rights and the received rights and interests of the client are displayed through balance and amount of occurrence, and the past, present and future money of the client is visually displayed.

2. Unifying customer care responsibilities

And (3) making each kind of claim insurance owned by the client into a fund, and arranging and combining the insurance according to the accident reason and the accident result corresponding to the responsibility to form a guarantee view of the accident reason and the accident result of the client, reflect the guarantee range of the client and the past claim condition, and can reveal the claim risk of the client and the risk guarantee coverage view of the client to a certain extent.

3. Revealing customer insurance behavior

And accounting various insurance behavior result information of the client from the contract, the claim settlement and the security behavior of the client. The insurance behavior characteristics of the client are revealed through various types of insurance behaviors (such as insurance application times, insurance cancellation times, insurance rejection times, settlement claim payment times, special case preservation times and the like), and the client marketing scheme is helped to be formulated according to the historical behavior data analysis of the client, so that the potential risk of the client is revealed.

Based on the same inventive concept, the embodiment of the present invention further provides a data processing system, and as the principle of the system for solving the problem is similar to the data processing method, the implementation of the system can refer to the implementation of the method, and repeated details are not repeated.

Fig. 6 is a block diagram of a data processing system according to an embodiment of the present invention. As shown in fig. 6, the data processing system includes:

In one embodiment, the accounts include premium accounts and behavioral accounts;

the service execution unit is specifically configured to:

determining premium refund details according to the attribute of the premium account corresponding to the insurance termination request;

and refunding according to the insurance fee refunding detail and recording the refunding action in the action account.

In one embodiment, the account further comprises a compensation account;

the service execution unit is specifically configured to:

determining the claim amount according to the attribute of the claim payment account corresponding to the claim settlement request;

and carrying out claim settlement according to the claim settlement amount and recording claim settlement behaviors in the behavior account.

In one embodiment, the account further comprises: a equity account;

the service execution unit is further configured to:

generating a settlement detail according to the account interest attribute of the equity account corresponding to the insurance termination request;

determining the amount to be paid according to the settlement details and the accumulated amount in the equity account;

determining the refund detail according to the premium refund detail and the amount to be paid;

and refunding according to the refund detail and recording the refund action in the action account.

In one embodiment, the account further comprises: a debit account;

the data processing system further comprises:

the borrowing interest detail unit is used for generating borrowing interest details according to the account interest attributes of the borrowing account;

the to-be-paid amount unit is used for determining the to-be-paid amount according to the interest detail of the loan and the loan amount in the loan account;

and the refund detail updating unit is used for updating the refund detail according to the amount of money to be paid.

In one embodiment, the equity account includes: an interest account;

the data processing system further comprises:

the renewal premium amount acquisition unit is used for acquiring the renewal premium amount according to the type of the insurance product;

the deduction amount determining unit is used for determining the deduction amount according to the attribute of the interest account;

the premium payment amount unit is used for determining the premium payment amount according to the renewal premium amount and the deduction amount;

and the payment notification unit is used for generating a payment notification according to the premium amount to be paid and then sending the payment notification to the customer.

In one embodiment, the method further comprises the following steps:

the receiving unit is used for receiving the premium amount to be paid from the client;

the first transaction detail updating unit is used for updating the transaction details of the premium account according to the premium amount to be paid;

and the second transaction detail updating unit is used for respectively updating the transaction details of the interest account and the transaction details of the premium account according to the deduction amount.

In one embodiment, the account further comprises: a cash value account; the equity account further includes: an investment account;

the data processing system further comprises:

the account judging unit is used for judging whether the account comprises an investment account or not when the premium amount to be paid is not received at the payment time;

the cash value unit is used for determining the cash value of a cash value account corresponding to the investment account when the account comprises the investment account;

and the renewal unit is used for renewing the corresponding insurance products according to the cash value.

In one embodiment, the account determination unit is specifically configured to:

receiving a rollback request, and determining a corresponding premium account and an interest account according to the service category included in the rollback request;

the data processing system further comprises:

the refund unit is used for conducting transaction refund according to the transaction details of the premium account; and carrying out transaction return according to the transaction details of the interest account.

To sum up, the data processing system of the embodiment of the present invention determines the service type according to the insurance product type in the policy information, creates the corresponding account according to the service type, extracts the attribute corresponding to the account from the policy information, and executes the service according to the attribute of the account corresponding to the service type included in the service request, and can provide a complete and comprehensive data system based on the customer perspective by way of making the policy account, unify the insurance rights and guarantees of the customer, and reduce the risk of claim payment.

The embodiment of the present invention further provides a specific implementation manner of a computer device, which can implement all the steps in the data processing method in the foregoing embodiment. Fig. 7 is a block diagram of a computer device in an embodiment of the present invention, and referring to fig. 7, the computer device specifically includes the following:

a processor (processor)701 and a memory (memory) 702.

The processor 701 is configured to call the computer program in the memory 702, and the processor implements all the steps in the data processing method in the above embodiments when executing the computer program, for example, the processor implements the following steps when executing the computer program:

determining the service category according to the insurance product type;

To sum up, the computer device of the embodiment of the present invention determines the service category according to the insurance product type in the policy information, creates the corresponding account according to the service category, extracts the attribute corresponding to the account from the policy information, and executes the service according to the attribute of the account corresponding to the service category included in the service request, and can provide a complete and comprehensive data system based on the customer perspective by way of making the policy account, unify the insurance rights and guarantees of the customer, and reduce the risk of claim payment.

An embodiment of the present invention further provides a computer-readable storage medium capable of implementing all the steps in the data processing method in the foregoing embodiment, where the computer-readable storage medium stores a computer program, and the computer program implements all the steps of the data processing method in the foregoing embodiment when executed by a processor, for example, the processor implements the following steps when executing the computer program:

determining the service category according to the insurance product type;

To sum up, the computer-readable storage medium of the embodiment of the present invention determines the service category according to the insurance product type in the policy information, creates the corresponding account according to the service category, extracts the attribute corresponding to the account from the policy information, and executes the service according to the attribute of the account corresponding to the service category included in the service request, so as to provide a complete and comprehensive data system based on the customer perspective by way of making the policy account, unify the insurance rights and the guarantee responsibilities of the customer, and reduce the risk of claim payment.

The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Those of skill in the art will further appreciate that the various illustrative logical blocks, units, and steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both. To clearly illustrate the interchangeability of hardware and software, various illustrative components, elements, and steps have been described above generally in terms of their functionality. Whether such functionality is implemented as hardware or software depends upon the particular application and design requirements of the overall system. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present embodiments.

The various illustrative logical blocks, or elements, or devices described in connection with the embodiments disclosed herein may be implemented or performed with a general purpose processor, a digital signal processor, an Application Specific Integrated Circuit (ASIC), a field programmable gate array or other programmable logic device, discrete gate or transistor logic, discrete hardware components, or any combination thereof designed to perform the functions described herein. A general-purpose processor may be a microprocessor, but in the alternative, the processor may be any conventional processor, controller, microcontroller, or state machine. A processor may also be implemented as a combination of computing devices, e.g., a digital signal processor and a microprocessor, a plurality of microprocessors, one or more microprocessors in conjunction with a digital signal processor core, or any other similar configuration.

The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may be stored in RAM memory, flash memory, ROM memory, EPROM memory, EEPROM memory, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art. For example, a storage medium may be coupled to the processor such the processor can read information from, and write information to, the storage medium. In the alternative, the storage medium may be integral to the processor. The processor and the storage medium may reside in an ASIC, which may be located in a user terminal. In the alternative, the processor and the storage medium may reside in different components in a user terminal.

In one or more exemplary designs, the functions described above in connection with the embodiments of the invention may be implemented in hardware, software, firmware, or any combination of the three. If implemented in software, the functions may be stored on or transmitted over as one or more instructions or code on a computer-readable medium. Computer-readable media includes both computer storage media and communication media that facilitate transfer of a computer program from one place to another. Storage media may be any available media that can be accessed by a general purpose or special purpose computer. For example, such computer-readable media can include, but is not limited to, RAM, ROM, EEPROM, CD-ROM or other optical disk storage, magnetic disk storage or other magnetic storage devices, or any other medium which can be used to carry or store program code in the form of instructions or data structures and which can be read by a general-purpose or special-purpose computer, or a general-purpose or special-purpose processor. Additionally, any connection is properly termed a computer-readable medium, and, thus, is included if the software is transmitted from a website, server, or other remote source via a coaxial cable, fiber optic cable, twisted pair, Digital Subscriber Line (DSL), or wirelessly, e.g., infrared, radio, and microwave. Such discs (disk) and disks (disc) include compact disks, laser disks, optical disks, DVDs, floppy disks and blu-ray disks where disks usually reproduce data magnetically, while disks usually reproduce data optically with lasers. Combinations of the above may also be included in the computer-readable medium.

Claims

1. A data processing method, comprising:

determining the service type according to the insurance product type;

creating a corresponding account according to the service category, and extracting the attribute corresponding to the account from the policy information;

2. The data processing method of claim 1, wherein the accounts include premium accounts and behavioral accounts;

executing the service corresponding to the service request according to the attribute of the corresponding account comprises the following steps:

and returning the fee according to the fee-saving fee-returning details and recording the fee-returning action in the action account.

3. The data processing method of claim 2, wherein the account further comprises a pay-off account;

and carrying out claim settlement according to the claim settlement amount and recording a claim settlement behavior in the behavior account.

4. The data processing method of claim 2, wherein the account further comprises: a equity account;

executing the service corresponding to the service request according to the attribute of the corresponding account further comprises:

and refunding according to the refund detail and recording the refund behavior in the behavior account.

5. The data processing method of claim 4, wherein the account further comprises: a debit account;

before the refund is performed according to the refund detail and the refund behavior is recorded in the behavior account, the data processing method further comprises the following steps:

generating borrowing interest details according to the account interest attributes of the borrowing account;

determining the amount of money to be paid according to the interest details of the interest to be borrowed and the amount of money to be borrowed in the borrowing account;

and updating the refund detail according to the amount of the money to be paid.

6. The data processing method of claim 4, wherein the equity account comprises: an interest account;

the data processing method further comprises:

acquiring the renewal premium amount according to the type of the insurance product;

determining a deduction amount according to the attribute of the interest account;

determining the premium amount to be paid according to the renewal premium amount and the deduction amount;

and generating a payment notice according to the premium amount to be paid and then sending the payment notice to the customer.

7. The data processing method of claim 6, further comprising:

receiving the premium amount to be paid from the customer;

updating the transaction details of the premium account according to the premium amount to be paid;

and updating the transaction details of the interest account and the transaction details of the premium account respectively according to the deduction amount.

8. The data processing method of claim 7, wherein the account further comprises: a cash value account; the equity account further comprising: an investment account;

the data processing method further comprises:

when the premium amount to be paid is not received at the time of paying the premium, judging whether the account comprises the investment account or not;

when the account comprises an investment account, determining the cash value of a cash value account corresponding to the investment account;

and carrying out renewal on the corresponding insurance products according to the cash value.

9. The data processing method of claim 7, wherein receiving a service request, and determining a corresponding account according to a service category included in the service request comprises:

the data processing method further comprises:

carrying out transaction back flushing according to the transaction details of the premium account;

and carrying out transaction return according to the transaction details of the interest account.

10. A data processing system, comprising:

11. The data processing system of claim 10, wherein the accounts include premium accounts and behavioral accounts;

the service execution unit is specifically configured to:

12. The data processing system of claim 11, wherein the account further comprises a pay account;

the service execution unit is specifically configured to:

13. The data processing system of claim 11, wherein the account further comprises: a equity account;

the service execution unit is further configured to:

14. The data processing system of claim 13, wherein the equity account comprises an interest account;

the data processing system further comprises:

15. The data processing system of claim 14, further comprising:

16. A computer device comprising a memory, a processor and a computer program stored on the memory and running on the processor, characterized in that the steps of the data processing method according to any of claims 1 to 9 are implemented when the computer program is executed by the processor.

17. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the data processing method of any one of claims 1 to 9.