CN112288582B - Information processing method and device for improving approval efficiency of policy - Google Patents
Information processing method and device for improving approval efficiency of policy Download PDFInfo
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- CN112288582B CN112288582B CN202011161392.1A CN202011161392A CN112288582B CN 112288582 B CN112288582 B CN 112288582B CN 202011161392 A CN202011161392 A CN 202011161392A CN 112288582 B CN112288582 B CN 112288582B
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Abstract
The invention discloses an information processing method and device for improving the approval efficiency of a policy, which are used for obtaining first application policy information of a first applicant; acquiring first limit information of first application policy information; obtaining preset credit rating list information and determining a first credit rating; obtaining a first duty ratio coefficient according to the first credit rating, obtaining a first trial batch proportion value according to the first duty ratio coefficient, and obtaining first emergency degree information of first application policy information; obtaining a second trial batch proportion value of the first application insurance policy according to a second duty ratio coefficient of the first emergency degree information; and determining a first trial mode of the first application policy according to the first trial proportion value and the second trial proportion value. The technical problem that insurance guarantee cannot be provided for a user earlier due to low approval efficiency of the insurance policy in the prior art is solved, the approval mode is flexibly and reasonably adjusted according to the related information of the insurance policy, the approval efficiency of the insurance policy is further improved, and the technical effect of providing guarantee for the user faster is achieved.
Description
Technical Field
The invention relates to the field of policy approval processing, in particular to an information processing method and device for improving policy approval efficiency.
Background
The written proof that the insurance policy insurer and the applicant sign an insurance contract is a certificate for guaranteeing legal rights and interests when the user encounters an accident. The property safety of the user can be guaranteed earlier by passing the warranty approval faster.
However, in the process of implementing the technical scheme of the invention in the embodiment of the application, the inventor of the application finds that at least the following technical problems exist in the above technology:
in the prior art, the technical problem that insurance guarantee cannot be provided for users earlier due to low policy approval efficiency exists.
Disclosure of Invention
According to the information processing method and device for improving the approval efficiency of the policy, the technical problem that the approval efficiency of the policy is low in the prior art, so that insurance guarantee cannot be provided for a user earlier is solved, the approval mode is adjusted reasonably according to relevant information of the policy, the approval efficiency of the policy is improved, and the technical effect of providing guarantee for the user faster is achieved.
In view of the above problems, it is proposed that an embodiment of the present application provide an information processing method and apparatus for improving policy approval efficiency.
In a first aspect, an embodiment of the present application provides an information processing method for improving approval efficiency of a policy, where the method includes: obtaining first application policy information of a first applicant; acquiring first limit information of the first application policy information; obtaining preset limit grading list information; determining a first credit rating of the first application policy from the preset credit rating list information according to the first credit information; obtaining a first duty ratio coefficient of the first credit rating; obtaining a first trial proportion value of the first application policy according to the first duty coefficient; obtaining first emergency degree information of the first application policy information; obtaining a second duty ratio coefficient of the first emergency degree information; obtaining a second trial batch specific gravity value of the first application policy according to the second duty ratio coefficient; and determining a first trial batch mode of the first application policy according to the first trial batch specific gravity value and the second trial batch specific gravity value.
On the other hand, the application also provides an information processing device for improving the approval efficiency of the policy, which comprises: the first obtaining unit is used for obtaining first application policy information of a first applicant; the second obtaining unit is used for obtaining first credit information of the first application policy information; the third obtaining unit is used for obtaining preset limit grading list information; the first determining unit is used for determining a first credit rating of the first application insurance policy from the preset credit rating list information according to the first credit information; a fourth obtaining unit, configured to obtain a first duty ratio coefficient of the first credit level; a fifth obtaining unit, configured to obtain a first trial batch specific gravity value of the first application policy according to the first duty coefficient; a sixth obtaining unit configured to obtain first urgency information of the first application policy information; a seventh obtaining unit configured to obtain a second duty ratio coefficient of the first urgency level information; an eighth obtaining unit, configured to obtain a second trial batch specific gravity value of the first application policy according to the second duty coefficient; and the second determining unit is used for determining a first trial batch mode of the first application insurance policy according to the first trial batch specific gravity value and the second trial batch specific gravity value.
In a third aspect, the present invention provides an information processing apparatus for improving approval efficiency of a policy, including a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein the processor implements the steps of the method of the first aspect when executing the program.
One or more technical solutions provided in the embodiments of the present application at least have the following technical effects or advantages:
the method comprises the steps of obtaining the credit rating according to the credit information of the applied insurance policy, determining a first examination and approval specific gravity value through the duty factor of the credit rating, obtaining a second duty factor according to the emergency degree of the applied insurance policy, determining a second examination and approval specific gravity value according to the second duty factor, and determining the examination and approval mode of the applied insurance policy according to the first examination and approval specific gravity value and the second examination and approval specific gravity value, so that the condition of the insurance policy is judged more accurately, and further, a proper insurance policy examination and approval mode is provided for the insurance policies with different specific gravities, and the technical effect of improving the insurance policy examination and approval efficiency is achieved.
The foregoing description is only an overview of the technical solutions of the present application, and may be implemented according to the content of the specification in order to make the technical means of the present application more clearly understood, and in order to make the above-mentioned and other objects, features and advantages of the present application more clearly understood, the following detailed description of the present application will be given.
Drawings
Fig. 1 is a schematic flow chart of an information processing method for improving approval efficiency of a policy according to an embodiment of the present application;
FIG. 2 is a schematic structural diagram of an information processing apparatus for improving policy approval efficiency according to an embodiment of the present disclosure;
fig. 3 is a schematic structural diagram of an exemplary electronic device according to an embodiment of the present application.
Reference numerals illustrate: the device comprises a first obtaining unit 11, a second obtaining unit 12, a third obtaining unit 13, a first determining unit 14, a fourth obtaining unit 15, a fifth obtaining unit 16, a sixth obtaining unit 17, a seventh obtaining unit 18, an eighth obtaining unit 19, a second determining unit 20, a bus 300, a receiver 301, a processor 302, a transmitter 303, a memory 304, and a bus interface 306.
Detailed Description
According to the information processing method and device for improving the approval efficiency of the policy, the technical problem that the approval efficiency of the policy is low in the prior art, so that insurance guarantee cannot be provided for a user earlier is solved, the approval mode is adjusted reasonably according to relevant information of the policy, the approval efficiency of the policy is improved, and the technical effect of providing guarantee for the user faster is achieved. Hereinafter, example embodiments according to the present application will be described in detail with reference to the accompanying drawings. It should be apparent that the described embodiments are only some of the embodiments of the present application and not all of the embodiments of the present application, and it should be understood that the present application is not limited by the example embodiments described herein.
Summary of the application
The written proof that the insurance policy insurer and the applicant sign an insurance contract is a certificate for guaranteeing legal rights and interests when the user encounters an accident. The property safety of the user can be guaranteed earlier by passing the warranty approval faster. However, the prior art has the technical problem that the policy approval efficiency is low, so that the policy cannot be rapidly ensured for the user.
Aiming at the technical problems, the technical scheme provided by the application has the following overall thought:
the embodiment of the application provides an information processing method for improving the approval efficiency of a policy, which comprises the following steps: obtaining first application policy information of a first applicant; acquiring first limit information of the first application policy information; obtaining preset limit grading list information; determining a first credit rating of the first application policy from the preset credit rating list information according to the first credit information; obtaining a first duty ratio coefficient of the first credit rating; obtaining a first trial proportion value of the first application policy according to the first duty coefficient; obtaining first emergency degree information of the first application policy information; obtaining a second duty ratio coefficient of the first emergency degree information; obtaining a second trial batch specific gravity value of the first application policy according to the second duty ratio coefficient; and determining a first trial batch mode of the first application policy according to the first trial batch specific gravity value and the second trial batch specific gravity value.
Having described the basic principles of the present application, various non-limiting embodiments of the present application will now be described in detail with reference to the accompanying drawings.
Example 1
As shown in fig. 1, an embodiment of the present application provides an information processing method for improving approval efficiency of a policy, where the method includes:
step S100: obtaining first application policy information of a first applicant;
specifically, the first applicant is a first applicant with an application policy condition, the first application policy information is related basic information of a policy applied by the first applicant, including the amount, time, event and the like of the application, which are obtained through the basic information of the application policy, and a basis is tamped for a subsequent approval mode of matching the policy, so that the technical effect of improving the approval efficiency of the policy is achieved.
Step S200: acquiring first limit information of the first application policy information;
specifically, the amount information generally refers to a natural person lending to a bank, and the bank is willing to provide the highest amount of the lending according to the credit status of the person. The amount is determined unilaterally by a bank due to conditional factors such as income, liability ratio, work content, wilting enterprises, company positions, property and the like, and the amount refers to amount information assessed according to the articles applied by the applicant or applied by the applicant. And obtaining the first amount information through the basic information of the first application policy.
Step S300: obtaining preset limit grading list information;
specifically, the preset credit rating list is a credit rating list formulated by the acceptors according to the applied money, and is matched to different grades of the credit rating list according to different credits applied by the applicant, so that the specific gravity condition of the applied money is accurately judged, and a foundation is laid for the follow-up accurate judgment of the approval mode.
Step S400: determining a first credit rating of the first application policy from the preset credit rating list information according to the first credit information;
step S500: obtaining a first duty ratio coefficient of the first credit rating;
specifically, according to the first credit information of the first application policy, the first credit information is matched to a pre-established credit grading table, a first credit grade of the first application policy is obtained according to the pre-established credit grading table, further, different credit grades represent different duty ratios, and a first duty ratio corresponding to the first credit grade is obtained according to the first credit grade.
Step S600: obtaining a first trial proportion value of the first application policy according to the first duty coefficient;
Specifically, according to the duty ratio coefficient of the first application policy, the first amount is weighted and calculated to obtain a first trial batch proportion value of the first application policy.
Step S700: obtaining first emergency degree information of the first application policy information;
specifically, first emergency degree information of the first policy is obtained according to the basic information of the first application policy.
Further, the method for obtaining the first emergency degree information of the first application policy information further includes:
step S710: inputting the first application policy information into a first neural network model, wherein the first neural network model is trained by using a plurality of sets of training data, and each set of training data in the plurality of sets of training data comprises: the first application policy information and the identification information for identifying the emergency degree of the application policy;
step S720: and obtaining output information of the first neural network model, wherein the output information comprises first emergency degree information of the first application policy.
Specifically, the Neural network model, i.e., a Neural network model in machine learning, is a complex Neural network system formed by a large number of simple processing units (called neurons) widely connected to each other, reflecting many basic features of human brain functions, and is a highly complex nonlinear power learning system. The neural network model is described based on a mathematical model of neurons. An artificial neural network (Artificial Neural Networks) is a description of the first order nature of the human brain system. In brief, it is a mathematical model. And inputting the first application policy information into the neural network model through training of a large number of training data sets, and outputting first emergency degree information of the first application policy.
Furthermore, the training process is essentially a supervised learning process, each group of supervision data comprises first application policy information and identification information for identifying the emergency degree of the application policy, the first application policy information is input into the neural network model, the neural network model is continuously corrected and adjusted according to the identification information for identifying the emergency degree of the application policy, and the data supervision learning of the group is ended until the obtained output information is consistent with the identification information for identifying the emergency degree of the application policy, and the next group of data supervision learning is performed; and when the output information of the neural network model reaches the preset accuracy rate/reaches a convergence state, ending the supervised learning process. Through the supervision and study to neural network model, and then make neural network model handles input data is more accurate, and then makes the first emergency information of the first application insurance policy of output more reasonable, accurate, and then reaches to the emergency accurate judgement of first application insurance policy, and then reaches the improvement the technological effect of insurance policy approval efficiency.
Step S800: obtaining a second duty ratio coefficient of the first emergency degree information;
Step S900: obtaining a second trial batch specific gravity value of the first application policy according to the second duty ratio coefficient;
specifically, a second duty ratio coefficient is obtained according to the emergency degree information of the first application form output by the first neural network model, the first application form is weighted according to the second duty ratio coefficient, a second approval specific gravity value is obtained, and the approval mode of the application form is adjusted according to the emergency degree of the first application form, so that the technical effect of improving the approval efficiency of the application form is achieved.
Step S1000: and determining a first trial batch mode of the first application policy according to the first trial batch specific gravity value and the second trial batch specific gravity value.
Specifically, the first application form is comprehensively considered according to the first examination and approval specific gravity value and the second examination and approval specific gravity value, and the examination and approval sequence and the examination and approval mode of the first application form are obtained. For example, when the first trial proportion value of the first application policy is lower and the second proportion value is higher, a second application policy exists at this time, the second application policy is applied before the first application policy, but the first trial proportion value of the second application policy is higher than the proportion value of the first application policy, and the second trial proportion value of the second application policy is far lower than the first application policy, at this time, it is determined that the importance degree of the first application policy is higher than the second application policy, and the first application policy is preferentially subjected to trial approval, and when the first application policy is urgent, real-time manual trial approval can be adopted, and according to the difference of the first trial proportion value and the second trial proportion value of the application policy, the trial order and the trial mode of the application policy are adjusted so as to achieve the technical effect of improving the trial efficiency of the application policy.
Further, after the first application policy information of the first applicant is obtained, step S100 of the embodiment of the present application further includes:
step S110: acquiring first application risk information of the first application policy information;
step S120: obtaining personal identity information of the first applicant;
step S130: acquiring first classification information of a first application policy according to the personal identity information, the first credit rating and the application risk information;
step S140: obtaining a policy importing classification list;
step S150: acquiring first storage path information of the first application policy according to the policy importing classification list;
step S160: and importing and storing the first application policy according to the first storage path information.
Specifically, the application risk refers to a risk class determined according to the difference of insurance types applied by the applicant, and in particular, the major aspects are naturally classified into social insurance and business insurance. Classifying the first application policy according to the personal identity information, the first credit rating and the application risk information to obtain first classification information, classifying the first application policy according to the first classification of the application to obtain a classification list corresponding to the first classification, obtaining the storage path information of the list according to the classification list, and importing and storing the first application policy according to the storage path. By classifying and storing the first application policy, the foundation is tamped for accurately obtaining and judging the emergency degree of the policy, so that the technical effect of rapidly and accurately calling out the application policy information is achieved, and the foundation is laid for subsequently improving the policy approval efficiency.
Further, the embodiment of the application further includes:
step S1110: obtaining a first predetermined time period;
step S1120: obtaining first operation log information of an approval department in the first preset time period;
step S1130: obtaining first clearing house information, wherein the first clearing house has a first association degree with the approval department;
step S1140: obtaining first trial amount information by the first settlement operator according to the first operation log information;
step S1150: obtaining preset approval amount information and a second preset time period;
step S1160: and determining approval amount evaluation information of the approval department in the second preset time period according to the first approval amount information and the preset approval amount information.
Specifically, the first predetermined time period is information of a certain time period of application of the applicant in the approval department, an application amount rule of the applicant is obtained according to an approval log of the approval department, and the application amount of the applicant in the second time period is estimated according to the first approval amount information to obtain approval amount evaluation information of the approval department. By estimating the application amount of the applicant, the application in the second time period can be more rapidly and accurately examined and approved, and the technical effect of improving the examination and approval efficiency of the policy is achieved.
Further, the embodiment of the application further includes:
step S1210: when the first examination and approval mode is manual examination and approval, first examination and approval personnel information is obtained;
step S1220: obtaining a first approval deadline of the first application policy information;
step S1230: obtaining current time information;
step S1240: judging whether the approval state of the first application policy information is approval completion or not according to the current time information;
step S1250: if not, comparing the first trial batch absolute time with the current time information to obtain a first time difference;
step S1260: judging whether the first time difference is within a preset time difference threshold range or not;
step S1270: if yes, a first reminding instruction is obtained;
step S1280: and sending first reminding information to the first inspector according to the first reminding instruction.
Specifically, when the first examination mode is manual examination, basic information of an examination person of the manual examination is obtained, whether the first application policy is examined and approved in the current time is judged, if not examined and approved, a first examination limit date of the first application policy is obtained, a first time difference is obtained according to the first examination limit date and the current date, a current type examination time difference threshold, namely a preset time difference threshold, is obtained, the preset time difference threshold is the shortest time for completing the current examination, when the first time difference is within the preset time difference threshold, the first application policy is indicated to be incapable of completing the examination and approval in the preset time, and a first reminding instruction is obtained at the moment to remind the first examination person of preferentially processing the first application policy.
Further, after the first approver information is obtained, step S1210 of the embodiment of the present application further includes:
step S1211: acquiring first importance information of the first application policy;
step S1212: obtaining first approval authority level information of the first approver;
step S1213: obtaining a first matching result according to the first importance information and the first trial authority level information;
step S1214: determining whether a first adjustment instruction needs to be obtained according to the first matching result;
step S1215: if so, a first adjustment instruction is obtained, wherein the first adjustment instruction is used for adjusting the first approver.
Specifically, when the importance of the first application policy is not matched with the approval authority of the first approver, the approver is classified according to the approval authority level according to the importance of the first application policy, and the corresponding application policy is matched according to the classified approval authority level. Furthermore, a first matching result is obtained according to the first importance information and the first examination and approval authority level information, and when the matching result does not meet the requirement, a first adjustment instruction is obtained, and the examination and approval personnel are adjusted according to the first adjustment instruction, so that the examination and approval of the application insurance policy is classified according to different importance degrees, and the technical effect of accelerating the examination and approval efficiency is achieved.
Further, the embodiment of the application further includes:
step S1310: generating a first verification code according to the first application policy information, wherein the first verification code is in one-to-one correspondence with the first application policy information;
step S1320: generating a second verification code according to the second application policy information and the first verification code; and so on, obtaining the Nth application policy information for manufacturing the first material; generating an Nth verification code according to the Nth application policy information and the N-1 th verification code, wherein N is a natural number greater than 1;
step S1330: and respectively copying and storing all application policy information and verification codes on M pieces of equipment, wherein M is a natural number larger than 1.
Specifically, blockchain technology, also known as distributed ledger technology, is an emerging technology that is commonly engaged in "accounting" by several computing devices, together maintaining a complete distributed database. The blockchain technology has the characteristics of decentralization, disclosure transparency, capability of participating in database recording by each computing device and capability of rapidly performing data synchronization among the computing devices, so that the blockchain technology is widely applied in a plurality of fields. The first application policy information generates a first verification code, and the first verification code corresponds to the first application policy information one by one; generating a second verification code according to the second application policy information and the first verification code, wherein the second verification code corresponds to the second application policy information one by one; by the method, an Nth verification code is generated according to the Nth application policy information and the N-1 th verification code, wherein N is a natural number larger than 1. And copying and storing all application policy information and verification codes on M pieces of equipment respectively, wherein the first application policy information and the first verification code are stored on one piece of equipment as a first storage unit, the second application policy information and the second verification code are stored on one piece of equipment as a second storage unit, the Nth application policy information and the Nth verification code are stored on one piece of equipment as an Nth storage unit, when the application policy is required to be called, after each next node receives data stored by a previous node, the data are stored after being checked through a common identification mechanism, the application policy information is not easy to lose and damage through a hash function, encryption processing is carried out on the application policy information through logic of a block chain, the security of the application policy information is ensured, and the application policy information is stored on a plurality of pieces of equipment, the security of the application policy information is further ensured through the common identification mechanism, and further the technical effect of rapidly calling the data is achieved.
Further, the step S1330 of the embodiment of the present application further includes:
step S1331: taking the first application policy information and the first verification code as a first storage unit;
step S1332: obtaining a predetermined storage time of the first storage unit;
step S1333: obtaining a first electronic device with the fastest transport capacity in M electronic devices;
step S1334: and sending the recording right of the first storage unit to the first electronic equipment.
Specifically, the first application policy information and the first verification code are used as a first storage unit, equipment which cannot finish recording the first storage unit within a preset time is excluded, equipment which records the first storage unit with the fastest transport capacity in M pieces of equipment is obtained, and the equipment is given the recording right of the first storage unit. Furthermore, the second application policy information and the second verification code are used as a second storage unit, the nth application policy information and the nth verification code are used as an nth storage unit, and the second storage unit and the third storage unit are all recorded by a recording method as the first storage unit until the nth storage unit, so that the safe, effective and stable operation of the decentralized blockchain system is ensured, the storage unit can be ensured to be recorded in equipment quickly and accurately, the security of application policy information is ensured, the data security is ensured, and the technical effect of quickly calling and processing the data is achieved.
In summary, the information processing method and the device for improving the approval efficiency of the policy provided by the embodiment of the application have the following technical effects:
1. the method comprises the steps of obtaining the credit rating according to the credit information of the applied insurance policy, determining a first examination and approval specific gravity value through the duty factor of the credit rating, obtaining a second duty factor according to the emergency degree of the applied insurance policy, determining a second examination and approval specific gravity value according to the second duty factor, and determining the examination and approval mode of the applied insurance policy according to the first examination and approval specific gravity value and the second examination and approval specific gravity value, so that the condition of the insurance policy is judged more accurately, and further, a proper insurance policy examination and approval mode is provided for the insurance policies with different specific gravities, and the technical effect of improving the insurance policy examination and approval efficiency is achieved.
2. The method has the advantages that the neural network model is enabled to process the input data more accurately due to the mode of supervised learning of the neural network model, and the first emergency degree information of the output first application insurance policy is more reasonable and accurate, so that the emergency degree of the first application insurance policy is accurately judged, and the technical effect of improving the examination and approval efficiency of the insurance policy is achieved.
3. The method for classifying and storing the first application insurance policy is adopted, so that the foundation is tamped for accurately obtaining and judging the emergency degree of the insurance policy, the technical effect of rapidly and accurately calling out the application insurance policy information is achieved, and the foundation is laid for subsequently improving the insurance policy approval efficiency.
4. By adopting a mode of estimating the application amount of the applicant, the application in the second time period can be more rapidly and accurately examined and approved, and the technical effect of improving the examination and approval efficiency of the insurance policy is achieved.
5. The method has the advantages that the method of encrypting the application policy information through the logic of the blockchain is adopted, so that the security of the application policy information is guaranteed, the application policy information is stored in a plurality of devices, the data stored in the plurality of devices are processed through a consensus mechanism, the security of the application policy information is further guaranteed, and the technical effects of guaranteeing the data security and rapidly calling and processing the data are achieved.
Example two
Based on the same inventive concept as the information processing method for improving the approval efficiency of the policy in the foregoing embodiment, the present invention further provides an information processing apparatus for improving the approval efficiency of the policy, as shown in fig. 2, where the apparatus includes:
A first obtaining unit 11, where the first obtaining unit 11 is configured to obtain first application policy information of a first applicant;
a second obtaining unit 12, where the second obtaining unit 12 is configured to obtain first credit information of the first policy application information;
a third obtaining unit 13, where the third obtaining unit 13 is configured to obtain preset credit rating list information;
a first determining unit 14, where the first determining unit 14 is configured to determine, according to the first credit information, a first credit level of the first application policy from the preset credit level list information;
a fourth obtaining unit 15, where the fourth obtaining unit 15 is configured to obtain a first duty ratio coefficient of the first credit level;
a fifth obtaining unit 16, where the fifth obtaining unit 16 is configured to obtain a first trial batch specific gravity value of the first application policy according to the first duty coefficient;
a sixth obtaining unit 17, where the sixth obtaining unit 17 is configured to obtain first urgency information of the first application policy information;
a seventh obtaining unit 18, wherein the seventh obtaining unit 18 is configured to obtain a second duty ratio coefficient of the first emergency degree information;
an eighth obtaining unit 19, where the eighth obtaining unit 19 is configured to obtain a second trial batch specific gravity value of the first application policy according to the second duty coefficient;
And a second determining unit 20, where the second determining unit 20 is configured to determine a first review batch mode of the first application policy according to the first review batch specific gravity value and the second review batch specific gravity value.
Further, the device further comprises:
a ninth obtaining unit configured to obtain first application risk information of the first application policy information;
a tenth obtaining unit configured to obtain personal identification information of the first applicant;
an eleventh obtaining unit, configured to obtain first classification information of the first application policy according to the personal identity information, the first credit rating, and the application risk information;
a twelfth obtaining unit for obtaining a policy-introducing classification list;
a thirteenth obtaining unit, configured to obtain first storage path information of the first application policy according to the policy importing classification list;
and the first importing unit is used for importing and storing the first application insurance policy according to the first storage path information.
Further, the device further comprises:
The first input unit is used for inputting the first application policy information into a first neural network model, the first neural network model is trained by using a plurality of sets of training data, and each set of training data in the plurality of sets of training data comprises: the first application policy information and the identification information for identifying the emergency degree of the application policy;
a fourteenth obtaining unit configured to obtain output information of the first neural network model, where the output information includes first urgency information of the first application policy.
Further, the device further comprises:
a fifteenth obtaining unit for obtaining a first predetermined period of time;
a sixteenth obtaining unit configured to obtain first operation log information of an approval authority within the first predetermined period of time;
a seventeenth obtaining unit configured to obtain first settlement person information, wherein the first settlement person has a first degree of association with the approval authority;
an eighteenth obtaining unit configured to obtain first trial amount information by the first settlement person based on the first operation log information;
A nineteenth obtaining unit configured to obtain preset approval amount information and a second predetermined period of time;
and the third determining unit is used for determining the approval amount evaluation information of the approval department in the second preset time period according to the first approval amount information and the preset approval amount information.
Further, the device further comprises:
the twentieth acquisition unit is used for acquiring first approver information when the first approval mode is manual approval;
a twenty-first obtaining unit, configured to obtain a first approval deadline time of the first application policy information;
a twenty-second obtaining unit configured to obtain current time information;
the first judging unit is used for judging whether the approval state of the first application policy information is approval completion or not according to the current time information;
a twenty-third obtaining unit, configured to compare the first trial batch deadline time with the current time information to obtain a first time difference if the first trial batch deadline time is not complete;
The second judging unit is used for judging whether the first time difference is in a preset time difference threshold range or not;
a twenty-fourth obtaining unit, configured to obtain a first alert instruction if the first alert instruction is in the twenty-fourth obtaining unit;
the first sending unit is used for sending first reminding information to the first inspector according to the first reminding instruction.
Further, the device further comprises:
a twenty-fifth obtaining unit configured to obtain first importance information of the first application policy;
a twenty-sixth obtaining unit configured to obtain first approval authority level information of the first approver;
a twenty-seventh obtaining unit, configured to obtain a first matching result according to the first importance information and the first trial authority level information;
a fourth determining unit, configured to determine whether a first adjustment instruction needs to be obtained according to the first matching result;
a twenty-eighth obtaining unit, configured to obtain a first adjustment instruction if necessary, where the first adjustment instruction is used to adjust the first inspector.
Further, the device further comprises:
a twenty-ninth obtaining unit, configured to generate a first verification code according to the first application policy information, where the first verification code is in one-to-one correspondence with the first application policy information;
a thirty-second obtaining unit for generating a second verification code according to the second application policy information and the first verification code; and so on, obtaining the Nth application policy information for manufacturing the first material; generating an Nth verification code according to the Nth application policy information and the N-1 th verification code, wherein N is a natural number greater than 1;
the first storage unit is used for respectively copying and storing all application insurance policy information and verification codes on M pieces of equipment, wherein M is a natural number larger than 1.
The various modifications and embodiments of the information processing method for improving the approval efficiency of the policy in the first embodiment of fig. 1 are equally applicable to the information processing apparatus for improving the approval efficiency of the policy in this embodiment, and by the detailed description of the information processing method for improving the approval efficiency of the policy, those skilled in the art can clearly know the implementation method of the information processing apparatus for improving the approval efficiency of the policy in this embodiment, so that the description will not be described in detail here for brevity.
Exemplary electronic device
An electronic device of an embodiment of the present application is described below with reference to fig. 3.
Fig. 3 illustrates a schematic structural diagram of an electronic device according to an embodiment of the present application.
Based on the inventive concept of an information processing method for improving the approval efficiency of a policy, the present invention also provides an information processing apparatus for improving the approval efficiency of a policy, which has a computer program stored thereon, the program when executed by a processor implementing the steps of any one of the above-described information processing methods for improving the approval efficiency of a policy.
Where in FIG. 3 a bus architecture (represented by bus 300), bus 300 may comprise any number of interconnected buses and bridges, with bus 300 linking together various circuits, including one or more processors, represented by processor 302, and memory, represented by memory 304. Bus 300 may also link together various other circuits such as peripheral devices, voltage regulators, power management circuits, etc., as are well known in the art and, therefore, will not be described further herein. Bus interface 306 provides an interface between bus 300 and receiver 301 and transmitter 303. The receiver 301 and the transmitter 303 may be the same element, i.e. a transceiver, providing a means for communicating with various other systems over a transmission medium.
The processor 302 is responsible for managing the bus 300 and general processing, while the memory 304 may be used to store data used by the processor 302 in performing operations.
The embodiment of the invention provides an information processing method for improving the approval efficiency of a policy, which comprises the following steps: obtaining first application policy information of a first applicant; acquiring first limit information of the first application policy information; obtaining preset limit grading list information; determining a first credit rating of the first application policy from the preset credit rating list information according to the first credit information; obtaining a first duty ratio coefficient of the first credit rating; obtaining a first trial proportion value of the first application policy according to the first duty coefficient; obtaining first emergency degree information of the first application policy information; obtaining a second duty ratio coefficient of the first emergency degree information; obtaining a second trial batch specific gravity value of the first application policy according to the second duty ratio coefficient; and determining a first trial batch mode of the first application policy according to the first trial batch specific gravity value and the second trial batch specific gravity value. The technical problem that insurance guarantee cannot be provided for a user earlier due to low approval efficiency of the insurance policy in the prior art is solved, the approval mode is flexibly and reasonably adjusted according to the related information of the insurance policy, the approval efficiency of the insurance policy is further improved, and the technical effect of providing guarantee for the user faster is achieved.
It will be appreciated by those skilled in the art that embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create a system for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks. While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. It is therefore intended that the following claims be interpreted as including the preferred embodiments and all such alterations and modifications as fall within the scope of the invention.
It will be apparent to those skilled in the art that various modifications and variations can be made to the present invention without departing from the spirit or scope of the invention. Thus, it is intended that the present invention also include such modifications and alterations insofar as they come within the scope of the appended claims or the equivalents thereof.
Claims (6)
1. An information processing method for improving approval efficiency of a policy, wherein the method comprises the following steps:
obtaining first application policy information of a first applicant;
acquiring first limit information of the first application policy information;
obtaining preset limit grading list information;
determining a first credit rating of the first application policy from the preset credit rating list information according to the first credit information;
obtaining a first duty ratio coefficient of the first credit rating;
obtaining a first trial proportion value of the first application policy according to the first duty coefficient;
obtaining first emergency degree information of the first application policy information;
obtaining a second duty ratio coefficient of the first emergency degree information;
obtaining a second trial batch specific gravity value of the first application policy according to the second duty ratio coefficient;
Determining a first trial mode of the first application policy according to the first trial proportion value and the second trial proportion value;
the method further comprises the steps of:
obtaining a first predetermined time period;
obtaining first operation log information of an approval department in the first preset time period;
obtaining first clearing house information, wherein the first clearing house has a first association degree with the approval department;
obtaining first trial amount information by the first settlement operator according to the first operation log information;
obtaining preset approval amount information and a second preset time period;
determining approval amount evaluation information of the approval department in the second preset time period according to the first approval amount information and preset approval amount information;
when the first examination and approval mode is manual examination and approval, first examining and approving personnel information is obtained, and after that, first importance information of the first application insurance policy is obtained; obtaining first approval authority level information of the first approver; obtaining a first matching result according to the first importance information and the first trial authority level information; determining whether a first adjustment instruction needs to be obtained according to the first matching result; if so, a first adjustment instruction is obtained, wherein the first adjustment instruction is used for adjusting the first approver;
Obtaining a first approval deadline of the first application policy information;
obtaining current time information;
judging whether the approval state of the first application policy information is approval completion or not according to the current time information;
if not, comparing the first trial batch absolute time with the current time information to obtain a first time difference;
judging whether the first time difference is within a preset time difference threshold range or not;
if yes, a first reminding instruction is obtained;
and sending first reminding information to the first inspector according to the first reminding instruction.
2. The method of claim 1, wherein after the obtaining the first applicant's first application policy information, the method further comprises:
acquiring first application risk information of the first application policy information;
obtaining personal identity information of the first applicant;
acquiring first classification information of a first application policy according to the personal identity information, the first credit rating and the application risk information;
obtaining a policy importing classification list;
acquiring first storage path information of the first application policy according to the policy importing classification list;
And importing and storing the first application policy according to the first storage path information.
3. The method of claim 1, wherein the obtaining the first urgency information of the first application policy information comprises:
inputting the first application policy information into a first neural network model, wherein the first neural network model is trained by using a plurality of sets of training data, and each set of training data in the plurality of sets of training data comprises: the first application policy information and the identification information for identifying the emergency degree of the application policy;
and obtaining output information of the first neural network model, wherein the output information comprises first emergency degree information of the first application policy.
4. The method of claim 1, wherein the method further comprises:
generating a first verification code according to the first application policy information, wherein the first verification code corresponds to the first application policy information one by one;
generating a second verification code according to the second application policy information and the first verification code; and so on, obtaining the Nth application policy information for manufacturing the first material; generating an Nth verification code according to the Nth application policy information and the N-1 th verification code, wherein N is a natural number greater than 1;
And respectively copying and storing all application policy information and verification codes on M pieces of equipment, wherein M is a natural number larger than 1.
5. An information processing apparatus that improves policy approval efficiency, wherein the apparatus comprises:
the first obtaining unit is used for obtaining first application policy information of a first applicant;
the second obtaining unit is used for obtaining first credit information of the first application policy information;
the third obtaining unit is used for obtaining preset limit grading list information;
the first determining unit is used for determining a first credit rating of the first application insurance policy from the preset credit rating list information according to the first credit information;
a fourth obtaining unit, configured to obtain a first duty ratio coefficient of the first credit level;
a fifth obtaining unit, configured to obtain a first trial batch specific gravity value of the first application policy according to the first duty coefficient;
a sixth obtaining unit configured to obtain first urgency information of the first application policy information;
A seventh obtaining unit configured to obtain a second duty ratio coefficient of the first urgency level information;
an eighth obtaining unit, configured to obtain a second trial batch specific gravity value of the first application policy according to the second duty coefficient;
the second determining unit is used for determining a first trial batch mode of the first application insurance policy according to the first trial batch specific gravity value and the second trial batch specific gravity value;
a fifteenth obtaining unit for obtaining a first predetermined period of time;
a sixteenth obtaining unit configured to obtain first operation log information of an approval authority within the first predetermined period of time;
a seventeenth obtaining unit configured to obtain first settlement person information, wherein the first settlement person has a first degree of association with the approval authority;
an eighteenth obtaining unit configured to obtain first trial amount information by the first settlement person based on the first operation log information;
a nineteenth obtaining unit configured to obtain preset approval amount information and a second predetermined period of time;
The third determining unit is used for determining approval amount evaluation information of the approval department in the second preset time period according to the first approval amount information and the preset approval amount information;
the twentieth acquisition unit is used for acquiring first approver information when the first approval mode is manual approval;
a twenty-fifth obtaining unit configured to obtain first importance information of the first application policy;
a twenty-sixth obtaining unit configured to obtain first approval authority level information of the first approver;
a twenty-seventh obtaining unit, configured to obtain a first matching result according to the first importance information and the first trial authority level information;
a fourth determining unit, configured to determine whether a first adjustment instruction needs to be obtained according to the first matching result;
a twenty-eighth obtaining unit, configured to obtain a first adjustment instruction if necessary, where the first adjustment instruction is used to adjust the first inspector;
A twenty-first obtaining unit, configured to obtain a first approval deadline time of the first application policy information;
a twenty-second obtaining unit configured to obtain current time information;
the first judging unit is used for judging whether the approval state of the first application policy information is approval completion or not according to the current time information;
a twenty-third obtaining unit, configured to compare the first trial batch deadline time with the current time information to obtain a first time difference if the first trial batch deadline time is not complete;
the second judging unit is used for judging whether the first time difference is in a preset time difference threshold range or not;
a twenty-fourth obtaining unit, configured to obtain a first alert instruction if the first alert instruction is in the twenty-fourth obtaining unit;
the first sending unit is used for sending first reminding information to the first inspector according to the first reminding instruction.
6. An information processing apparatus for improving the approval efficiency of a policy, comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the steps of the method of any one of claims 1-4 when the program is executed by the processor.
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| CN108257027A (en) * | 2017-06-16 | 2018-07-06 | 平安科技（深圳）有限公司 | Declaration form data checking method, device, computer equipment and storage medium |
| CN108256810A (en) * | 2016-12-28 | 2018-07-06 | 平安科技（深圳）有限公司 | Insurance business approval process treating method and apparatus |
| CN110111208A (en) * | 2019-04-15 | 2019-08-09 | 深圳壹账通智能科技有限公司 | Declaration form data processing method, device, computer equipment and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108256810A (en) * | 2016-12-28 | 2018-07-06 | 平安科技（深圳）有限公司 | Insurance business approval process treating method and apparatus |
| CN108257027A (en) * | 2017-06-16 | 2018-07-06 | 平安科技（深圳）有限公司 | Declaration form data checking method, device, computer equipment and storage medium |
| CN110111208A (en) * | 2019-04-15 | 2019-08-09 | 深圳壹账通智能科技有限公司 | Declaration form data processing method, device, computer equipment and storage medium |
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