CN112785283A

CN112785283A - Item processing method and device and insurance item processing method and device

Info

Publication number: CN112785283A
Application number: CN202110197705.7A
Authority: CN
Inventors: 赵志胜
Original assignee: Alipay Hangzhou Information Technology Co Ltd
Current assignee: Alipay Hangzhou Information Technology Co Ltd
Priority date: 2021-02-22
Filing date: 2021-02-22
Publication date: 2021-05-11
Anticipated expiration: 2041-02-22
Also published as: CN112785283B; CN117522308A

Abstract

The embodiment of the specification provides a project processing method and device and an insurance project processing method and device, wherein the project processing method comprises the following steps: determining a project participation type corresponding to a participation type control according to the participation type control triggered by a user on a project page; detecting whether available resources of the user meet an engagement condition of an item in the item engagement type; if yes, carrying out mortgage processing and project admission processing based on the project participation type and the available resources; under the condition that the project participation time of the user exceeds a front project period, acquiring a project instruction submitted by the user; and if the item instruction is an exit instruction, clearing the user based on a escorting clearing mode corresponding to the exit instruction.

Description

Item processing method and device and insurance item processing method and device

Technical Field

The present disclosure relates to the field of data processing technologies, and in particular, to a method and an apparatus for processing a project, and a method and an apparatus for processing an insurance project.

Background

With the continuous development and popularization of the internet, the mode of providing online services based on the internet is gradually applied to various service fields, for example, insurance service application and claim settlement are gradually realized online, and conventional services such as insurance sale, after-sale, claim settlement and the like can be conveniently operated online.

Disclosure of Invention

One or more embodiments of the present specification provide a project processing method. The project processing method comprises the following steps: and determining a project participation type corresponding to the participation type control according to the participation type control triggered by the user on the project page. Detecting whether available resources of the user meet an engagement condition of an item in the item engagement type; and if so, carrying out mortgage processing and project admission processing based on the project participation type and the available resources. And under the condition that the project participation time of the user exceeds a front project period, acquiring a project instruction submitted by the user. And if the item instruction is an exit instruction, clearing the user based on a escorting clearing mode corresponding to the exit instruction.

One or more embodiments of the present specification provide an insurance item processing method including: and acquiring the initial insurance type selected by the user in the insurance project insurance page. Detecting whether the credit resources of the user meet the insurance conditions of the initial insurance type; and if so, performing credit mortgage processing and insurance payment based on the initial insurance type and the credit resources. And acquiring a user instruction submitted by the user when the condition that the insurance time of the user exceeds the first insurance limit is detected. And if the user instruction is a guarantee-withdrawal instruction, carrying out guarantee-withdrawal processing on the user based on a guarantee-withdrawal mode corresponding to the guarantee-withdrawal instruction.

One or more embodiments of the present specification provide an item processing apparatus including: and the project participation type determining module is configured to determine the project participation type corresponding to the participation type control according to the participation type control triggered by the user on the project page. An engagement condition detection module configured to detect whether an available resource of the user satisfies an engagement condition of an item at the item engagement type. And if so, operating the project admission processing module and the project instruction acquisition module. The item admission processing module is configured to perform mortgage processing and item admission processing based on the item participation type and the available resources. The project instruction acquisition module is configured to acquire the project instruction submitted by the user when detecting that the project participation time of the user exceeds a front project period. And the clearing and quitting processing module is configured to clear and quit the user based on a escorting clearing and quitting mode corresponding to the quitting instruction if the item instruction is the quitting instruction.

One or more embodiments of the present specification provide an insurance item processing apparatus including: the system comprises an initial insurance type acquisition module, a first insurance application type acquisition module and a second insurance application type acquisition module, wherein the initial insurance application type acquisition module is configured to acquire an initial insurance application type selected by a user in an insurance application page of an insurance item. An application condition detection module configured to detect whether the credit resources of the user meet the application condition of the initial application type. And if so, operating the credit mortgage payment module and the user instruction acquisition module. The credit mortgage payment module is configured to conduct credit mortgage processing and mortgage payment based on the initial underwriting type and the credit resources. The user instruction acquisition module is configured to acquire the user instruction submitted by the user when the situation that the insurance time of the user exceeds the first insurance limit is detected. And the system comprises a refund processing module and a refund processing module, wherein the refund processing module is configured to perform refund processing on the user based on a refund mode corresponding to the refund instruction if the user instruction is the refund instruction.

One or more embodiments of the present specification provide an item processing apparatus including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and determining a project participation type corresponding to the participation type control according to the participation type control triggered by the user on the project page. Detecting whether available resources of the user meet an engagement condition of an item in the item engagement type; and if so, carrying out mortgage processing and project admission processing based on the project participation type and the available resources. And under the condition that the project participation time of the user exceeds a front project period, acquiring a project instruction submitted by the user. And if the item instruction is an exit instruction, clearing the user based on a escorting clearing mode corresponding to the exit instruction.

One or more embodiments of the present specification provide an insurance item processing apparatus including: a processor; and a memory configured to store computer-executable instructions that, when executed, cause the processor to: and acquiring the initial insurance type selected by the user in the insurance project insurance page. Detecting whether the credit resources of the user meet the insurance conditions of the initial insurance type; and if so, performing credit mortgage processing and insurance payment based on the initial insurance type and the credit resources. And acquiring a user instruction submitted by the user when the condition that the insurance time of the user exceeds the first insurance limit is detected. And if the user instruction is a guarantee-withdrawal instruction, carrying out guarantee-withdrawal processing on the user based on a guarantee-withdrawal mode corresponding to the guarantee-withdrawal instruction.

One or more embodiments of the present specification provide a storage medium storing computer-executable instructions that, when executed, implement the following: and determining a project participation type corresponding to the participation type control according to the participation type control triggered by the user on the project page. Detecting whether available resources of the user meet an engagement condition of an item in the item engagement type; and if so, carrying out mortgage processing and project admission processing based on the project participation type and the available resources. And under the condition that the project participation time of the user exceeds a front project period, acquiring a project instruction submitted by the user. And if the item instruction is an exit instruction, clearing the user based on a escorting clearing mode corresponding to the exit instruction.

One or more embodiments of the present specification provide another storage medium storing computer-executable instructions that, when executed, implement the following: and acquiring the initial insurance type selected by the user in the insurance project insurance page. Detecting whether the credit resources of the user meet the insurance conditions of the initial insurance type; and if so, performing credit mortgage processing and insurance payment based on the initial insurance type and the credit resources. And acquiring a user instruction submitted by the user when the condition that the insurance time of the user exceeds the first insurance limit is detected. And if the user instruction is a guarantee-withdrawal instruction, carrying out guarantee-withdrawal processing on the user based on a guarantee-withdrawal mode corresponding to the guarantee-withdrawal instruction.

Drawings

In order to more clearly illustrate one or more embodiments or technical solutions in the prior art in the present specification, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without inventive exercise;

FIG. 1 is a process flow diagram of a project processing method provided in one or more embodiments of the present disclosure;

FIG. 2 is a process flow diagram of a project processing method applied to a guarantee project scenario in accordance with one or more embodiments of the present disclosure;

fig. 3 is a process flow diagram of a project processing method applied to a project trial scenario according to one or more embodiments of the present specification;

FIG. 4 is a flowchart of a method for processing an insurance project, according to one or more embodiments of the present disclosure;

FIG. 5 is a schematic diagram of an item processing apparatus according to one or more embodiments of the present disclosure;

FIG. 6 is a schematic diagram of an insurance item processing apparatus according to one or more embodiments of the present disclosure;

FIG. 7 is a schematic diagram of a project processing apparatus according to one or more embodiments of the present disclosure;

fig. 8 is a schematic structural diagram of an insurance item processing apparatus according to one or more embodiments of the present disclosure.

Detailed Description

In order to make those skilled in the art better understand the technical solutions in one or more embodiments of the present disclosure, the technical solutions in one or more embodiments of the present disclosure will be clearly and completely described below with reference to the drawings in one or more embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from one or more of the embodiments described herein without making any inventive step shall fall within the scope of protection of this document.

An embodiment of a project processing method provided in this specification:

referring to fig. 1, which shows a processing flow chart of a project processing method provided by the present embodiment, referring to fig. 2, which shows a processing flow chart of a project processing method applied to a guarantee project scenario provided by the present embodiment, referring to fig. 3, which shows a processing flow chart of a project processing method applied to a project trial scenario provided by the present embodiment.

Referring to fig. 1, the project processing method provided in this embodiment specifically includes steps S102 to S110.

And step S102, determining a project participation type corresponding to the participation type control according to the participation type control triggered by the user on the project page.

In the project processing method provided by this embodiment, in order to enable a user to actually perceive details and experiences of project participation during the process of the user participating in a project, a credit to be mortgaged for project participation is determined according to a selected project participation type of the user according to the selected project participation type, and the credit mortgages are used as participation conditions of a pre-project period of the user participating in the project, so that the user can participate and experience the project based on the credit mortgages, and meanwhile, under the condition that the pre-project period is finished, the user can select to continue the project participation or quit the project participation, so that the user can actually perceive the experience of project participation through the participation process of the pre-project period, and simultaneously provide a low-cost project participation experience for the user, avoid the situation that the user wants to quit after participating in the project, and incur more resource loss, thereby providing a more economic project service experience for the user, thereby promoting the project participation enthusiasm of the user.

The items described in this embodiment include guarantee items, such as health guarantee items like a serious illness risk, a hospitalized medical risk, an accident risk, a specific illness risk, and the like, and the guarantee items may also be fund items, public welfare items, vehicle insurance, and the like, which are not limited to these.

The item is configured with two item participation types: a first item participation type (credit participation type) and a second participation type (low-cost participation type), wherein the item participation type refers to a participation mode selected by a user in the process of participating in the item, different item participation types are selected, and resources paid out by the user in the process of participating in the item are different. Wherein the first item participation type (credit participation type) is that a user's credit is used as guarantee to participate in the item, so as to perform an advanced/advanced "trial" experience of the item; the second item participation type (low-cost participation type) is to guarantee participation of the item by using the credit of the user on one hand, and pay a certain fee in the process of participating the item on the other hand, so as to perform the advanced/advanced "trial" experience of the item.

The project page of the project is configured with a first participation type control and a second participation type control, the first participation type control corresponds to the first project participation type, if the user triggers the first participation type control, the user is indicated to select to participate in the project according to the first project participation type, namely: selecting a credit mortgage mode to participate in the item; the second engagement type control corresponds to the second item engagement type, and if the user triggers the second engagement type control, the user indicates that the user chooses to engage in the item in a second item engagement type manner, that is: and selecting a mode of credit mortgage combined with fee payment to participate in the project.

Besides, it is also possible to set multiple project participation types based on the resource types of the available resources, for example, there are 3 resource types: the credit resource, the electronic money resource, and the virtual resource may be set to be a project participation type for participating in the project based on the credit resource, a project participation type for participating in the project based on the electronic money resource, a project participation type for participating in the project based on the virtual resource, and/or a project participation type for participating in the project based on any two or three of the credit resource, the electronic money resource, and the virtual resource.

Based on this, in a specific implementation process, according to the participation type control triggered by the user on the project page, the project participation type corresponding to the participation type control is determined, specifically, if the user triggers the first participation type control, the project participation type corresponding to the first participation type control is determined to be the first project participation type, which indicates that the user selects to participate in the project in the manner of the first project participation type, that is: selecting a credit mortgage mode to participate in the item; the second participation type control corresponds to the second item participation type, and if the user triggers the second participation type control, the item participation type corresponding to the second participation type control is determined to be the second item participation type, which indicates that the user selects to participate in the item in a manner of the second item participation type, namely: and selecting a mode of credit mortgage combined with fee payment to participate in the project.

Step S104, detecting whether the available resources of the user meet the participation condition of the project in the project participation type.

The available resources described in this embodiment include credit resources and electronic money resources. The participation condition of the project participation type refers to a condition that a user needs to meet when the user selects the project participation type to participate in the project, and the user meeting the participation condition is allowed to join in the project and enjoy the service provided by the project. Such as a user selecting to participate in the item according to the first item type, the credit of the user must satisfy the corresponding credit condition.

Optionally, the participation condition of the item participation type includes: the resource level corresponding to the available resources is greater than or equal to the resource admission level of the project participation type. For example, the user selects the credit participation type, and joins the guarantee item in a credit mortgage manner, the credit rating of the user needs to meet the participation condition of the credit participation type, that is, the credit rating needs to be higher than the credit rating threshold value required by the credit participation type, so that the user with low credit is prevented from repeatedly joining the guarantee item in a credit mortgage manner.

In practical applications, a user often does not clearly know whether the user himself or herself meets an engagement condition of a selected item engagement type in a process of selecting the item engagement type to engage in the item, and therefore, after the user selects the item engagement type, detection is performed to detect whether available resources of the user meet the engagement condition of the item in the item engagement type to determine whether the user meets the engagement condition of the selected item engagement type, in an optional implementation manner provided in this embodiment, in a process of detecting whether the available resources of the user meet the engagement condition of the item in the item engagement type, an optional engagement type set allocated to the user is determined based on the available resources; and further detecting whether the item participation type is an optional participation type contained in the optional participation type set; if yes, indicating that the user meets the participation condition of the selected project participation type, executing the following step S106;

if not, indicating that the user does not meet the participation condition of the selected project participation type, sending a prompt that the participation condition is not met to the user, or sending a selection prompt for selecting the optional participation type contained in the optional participation type set to the user.

Wherein, the optional participation type set refers to a set composed of one or more optional participation types; the optional participation type is that the participation condition of each item participation type is detected aiming at the user in advance according to the user data such as the credit of the user, and the detected item participation type is taken as the optional participation type distributed to the user.

And step S106, carrying out mortgage processing and project admission processing based on the project participation type and the available resources.

As described above, the item participation types include a first item participation type (credit participation type) and a second participation type (low-fee participation type), the available resources include a credit resource and an electronic money resource, and the following detailed description is made with respect to a specific process of participating in the item under the two item participation types, respectively.

(1) First item participation type (Credit participation type)

Performing, under the first item participation type, mortgage processing and item admission processing based on the item participation type and the available resource, specifically performing credit mortgage processing and item admission processing based on the first item participation type and a credit resource included in the available resource, which is specifically implemented as follows:

determining the credit resource as the available resource based on the first item participation type;

and performing credit mortgage processing based on the credit resources, and performing project admission processing on the user based on the identity information to obtain the project participation details of the user.

In the process, in order to reflect the processing personalization and experience personalization of users with different credit levels in the process of participating in the project so as to urge the users to maintain good credit, optionally, the credit mortgage limit of the credit mortgage processing is determined according to the resource limit of the credit resource of the users; for example, for a user with a high credit rating, the credit mortgage limit required when participating in a security project is low; conversely, for users with lower credit ratings, the credit mortgage limit required when participating in the security project is higher.

It should be noted that, after the credit resources included in the available resources are subjected to the credit mortgage process, the authorization status of the mortgage credit resources is updated to the authorized status, and the mortgage authorization status of the credit resources in the authorized status is frozen, that is: the mortgage credit resources can not be used in the process of credit mortgage processing, in other words, each part of the credit resources contained in the available resources can only be used for credit mortgage processing once and can not be used for credit mortgage repeatedly, so that the aim of avoiding a large number of users from participating in the project in a credit mortgage mode for an unlimited number of times is to guarantee the rights and interests of project operators or project service providers. For example, if the credit rating of the user is 800 points, if the part of the credit resources needing to be mortgaged is 200 points, the authorization status of the mortgaged 200 points is updated to the authorized status, and the mortgaged 200 points can not be used for credit mortgages any more, and the remaining 600 points can be continuously used for credit mortgage processing.

(2) Second item participation type (Low fee participation type)

Performing mortgage processing and project admission processing based on the project participation type and the available resource under the second project participation type, specifically performing credit mortgage processing based on the second project participation type and credit resources contained in the available resource, and performing project admission processing based on electronic money resources contained in the available resource, specifically implementing the following steps:

determining the credit resource and the electronic money resource as the available resources based on the second item participation type;

the payment processing of the front project cycle is carried out based on the electronic currency resource, and the credit mortgage processing is carried out based on the credit resource;

and performing project admission processing based on the identity information of the user, and obtaining project participation details of the user after the processing is successful.

In the process, in order to reflect the difference of users with different credit levels in the process of participating in the project, the user is urged to maintain good credit, and optionally, the credit mortgage limit of the credit mortgage processing is determined according to the resource limit of the credit resource of the user; for example, for a user with a high credit rating, the credit mortgage limit required when participating in a security project is low; conversely, for users with lower credit ratings, the credit mortgage limit required when participating in the security project is higher.

Meanwhile, the payment amount of the payment processing is obtained by calculation according to the credit mortgage amount and the front period cost of the front project period; the pre-project period refers to a trial period or an experience period of the project, and specifically, the pre-project period may be a first project period of the project, or a project period formed by the first project period and one or more subsequent continuous project periods. The pre-post-period fee refers to a fee required to be paid by a user for participating in the project and performing the experience of the pre-project period of the project, that is, after the user performs credit mortgage processing on the pre-project period, the fee additionally required to be paid by the user for the pre-project period is also paid.

Specifically, the payment amount is equal to the difference between the charge amount of the front-end periodic charge and the credit mortgage amount. For example, if the user selects a low-cost participation type participation mode to participate in the guarantee project, the charge amount of the front period charge of the front project period of the guarantee project is 200, and the credit mortgage amount of the user is determined to be 150 according to the credit rating of the user, the user needs to pay the front period charge of 200-150-50-yuan for the guarantee project, and then can join in the guarantee project to perform the experience of the front project period.

Besides, the payment amount can be determined according to the credit rating of the user, and then the credit mortgage amount is calculated based on the payment amount and the front-end period fee, for example, the difference between the fee amount of the front-end period fee and the payment amount is used as the credit mortgage amount for credit mortgage processing.

And step S108, acquiring a project instruction submitted by the user when detecting that the project participation time of the user exceeds a preset project period.

In practical applications, after a user pays a corresponding fee and successfully joins a guarantee project, if the user wants to withdraw from the guarantee project due to the fact that the experience of the guarantee project does not meet the expectation, refund cannot be obtained for a part which does not meet the guarantee period, especially for a long-term guarantee project with a long guarantee period, the capital loss borne by the user for withdrawing from the guarantee project is serious, for this purpose, a pre-project period, namely a trial period or an experience period of the project, is set for the project, so that the user can participate in trial or join the project in the pre-project period, and the user can withdraw from the project or continue participation of the project after trial or experience.

Specifically, detecting whether the project participation time of the user exceeds a pre-project period, acquiring a project instruction submitted by the user for the project under the condition that the project participation time of the user exceeds the pre-project period, and if the project instruction submitted by the user for the project is an exit instruction, executing the following step S110 to perform clearing and exiting processing on the user;

in an optional implementation manner provided in this embodiment, if the item instruction submitted by the user is the renewal instruction or the renewal instruction, it indicates that the user wants to continue to participate in the item, and in order to enable the user to obtain a more convenient item renewal operation experience, if the item instruction is the renewal instruction, the mortgage state of the first available resource mortgage processed is released, and the renewal process is performed based on the item participation details obtained after the item admission process. The project participation detail records are related information of user participation in the project, project information of the project and identity information of the user. For example, the item participation details of the user participating in the safeguard item include a safeguard detail or a safeguard order generated after the user participates in the safeguard item. And the renewal treatment of the project comprises the step of paying the corresponding project participation fee according to the project participation fee recorded in the project participation details.

Step S110, if the item instruction is an exit instruction, performing clearing processing on the user based on a escort clearing mode corresponding to the exit instruction.

In order to further improve the user experience of the user in the process of trial participation or experience joining in the pre-project period of the project, reduce the resource loss caused by the user exiting the project, and improve the degree of importance to the credit to urge the user to perform credit fulfillment better, the embodiment provides two types of escort clearing modes: a first clearing mode and a second clearing mode; wherein the first clearing mode is that the user can quit the item based on credit, namely a credit escort clearing mode, and the second clearing mode is that the user can quit the item based on both credit and clearing fee, namely a low-fee escort clearing mode.

The project instruction is submitted by a user through a second project page of the project, the second project page is configured with a first clearing control and a second clearing control, the first clearing control corresponds to the first clearing mode, if the user triggers the first clearing control, the user is indicated to select to exit the project in the first clearing mode, namely: selecting a mode of exiting from the item by unchecking credits; the second clearing control corresponds to the second clearing mode, and if the user triggers the second clearing control, the user indicates that the user selects to exit the project in the second clearing mode, that is: selecting a mode of payment by a mortgage credit in combination with a fee to exit from the item.

It should be noted that the escort clearing mode and the item participation type have an item matching relationship, specifically, if the user selects to participate in the item according to the first item participation type (credit participation type), the user may select to quit the item in the first clearing mode (credit escort clearing mode) or the second clearing mode (low-cost escort clearing mode) during the process of selecting to quit the item after the expiration of the previous item period; if the user selects to participate in the project according to the second project participation type (low-fee participation type), the user can select to quit the project in the second clearing mode (low-fee release clearing mode) and can not select to quit the project in the first clearing mode (credit release clearing mode) in the process of selecting to quit the project after the period of the previous project is expired;

in other words, the second clearing mode (low-fee pledge clearing mode) has an item matching relationship with both the first item participation type (credit participation type) and the second item participation type (low-fee participation type); the first clearing mode (credit escort clearing mode) has an item matching relationship only with the first item participation type (credit participation type) and does not have an item matching relationship with the second item participation type (low-fee participation type).

The following is a detailed description of the specific clearing process in the two escorting clearing modes.

(1) First clear quit mode (credit escort clear quit mode)

In the clearing and quitting process of the user based on the escorting clearing and quitting mode corresponding to the quitting instruction under the condition that the user selects to quit the project after the period of the preposed project of the project expires, if the escorting clearing and quitting mode selected by the user is the first clearing and quitting mode (credit escorting clearing and quitting mode), the clearing and quitting process is realized by adopting the following specific mode:

the mortgage state of the first available resource which is mortgaged after the mortgage processing is released;

removing the user from the member list of the item and updating the qualification status of the user's pre-qualification.

In this embodiment, if the user selects to exit the project in the first fallback mode, the user loses the eligibility to participate in the project again, that is: the qualification use state of the user's pre-participation qualification is updated to a frozen state or an invalid state;

besides, the pre-qualification may also be participation qualification of all configured pre-project periods in a credit mortgage manner, and if the user chooses to exit any project in the first clearing mode, the user loses the participation qualification of all projects, namely: the qualification use state of the user's pre-qualification for participation is updated to a frozen state or an invalid state. Or, the qualification use state of the preposed participation qualification is associated with the resource limit of the credit resource of the user, and if the authorization state of the credit resource of the user is completely updated to be the authorized state, the qualification use state of the preposed participation qualification is updated to be the frozen state or the invalid state; and if the authorization state of the credit resources of the user is not updated to the authorized state, updating the qualification use state of the preposed participation qualification to a valid state or an available state.

As described above, the escort backlog mode has an item matching relationship with the item participation type, the item matching relationship represents the intrinsic data relation at the item level, the item matching relationship between the item and the item is to improve the user experience, avoid the confusion of the relation between the item participation type selected by the user and the escort clearing mode, which leads to the user not to quit or other situations affecting the user experience, and on the other hand, to guarantee the rights and interests of the item operator or the item service provider, and avoid a large number of users participating in and quitting the item in a credit mortgage manner for an unlimited number of times, detecting whether the first clearing mode is matched with the item participation type selected by the user before the mortgage state of the mortgage-released first available resource; if yes, executing the mortgage state process of the first available resource which is mortgaged after the mortgage removing process; and if not, sending a clearing mode switching prompt to the user.

(2) Second clearing mode (Low fee escort clearing mode)

In the process of clearing and retreating the user based on the escorting clearing and retreating mode corresponding to the quitting instruction under the condition that the user selects to quit the project after the period of the preposed project of the project expires, if the escorting clearing and retreating mode selected by the user is the second clearing and retreating mode (low-cost escorting clearing and retreating mode), the clearing and retreating process is realized by specifically adopting the following mode:

the mortgage state of the mortgage-processed first available resource is released, and the clearing charge corresponding to the second clearing mode is deducted from the user account of the user;

In this embodiment, if the user selects to exit the project in the second fallback mode, the user still retains the participation right to participate in the project again, that is: the qualification use state of the user's pre-qualification is updated to a valid state or an available state. Besides, the qualification use state of the preposed participation qualification can be associated with the resource limit of the credit resource of the user, and if the authorization state of the credit resource of the user is completely updated to be the authorized state, the qualification use state of the preposed participation qualification is updated to be the frozen state or the invalid state; and if the authorization state of the credit resources of the user is not updated to the authorized state, updating the qualification use state of the preposed participation qualification to a valid state or an available state.

In practical application, taking a guarantee item as an example, corresponding guarantee waiting periods are often configured, where a guarantee waiting period refers to a period specified after the guarantee of a guarantee item takes effect, even if a to-be-guaranteed event occurs, a user cannot obtain guarantee compensation, and for a long-term guarantee item, the guarantee waiting period is generally 3 months or half a year, in this case, it is assumed that the user participates in the guarantee item in a credit mortgage manner, if a duration of a pre-item period in which the user participates in a trial or joins in an experience is shorter than a duration of the guarantee waiting period, the user cannot apply for a guarantee in the pre-item period, and the user has no meaning in participating in the trial or joining in the experience, and for this reason, optionally, the guarantee item is configured with a guarantee waiting period in which a guarantee is applied, and cannot apply for a guarantee compensation in the guarantee waiting period; and the duration of the guarantee waiting period of the project is shorter than the duration of the preposed project period, and the guarantee waiting period is determined according to the resource limit of the available resources. For example, the credit rating of the user is negatively correlated with the duration of the pre-project period, and the higher the credit rating is, the shorter the pre-project period is; conversely, the lower the credit rating the user, the longer the period of the preceding project.

In a specific implementation, in order to further urge the user to perform credit fulfillment better, maintain and perfect a user credit system, and ensure that the user can enjoy corresponding guarantee rights and interests after participating in the guarantee project, in an optional implementation manner provided in this embodiment, the user is subjected to claim settlement prepayment processing in the case of acquiring a guarantee application request submitted by the user; and calculating the claim amount of the claim prepayment processing according to the prepayment coefficient determined by the available resources and the guarantee amount of the guarantee item.

Further, from the perspective of a project operator or a project service provider of the guarantee project, in order to avoid a user from proposing a false guarantee application and also to reduce the occurrence probability of cheating on guaranteeing claim settlement, in an optional implementation manner provided by this embodiment, the pre-payment processing of the claim is checked; if the audit result is that an objection exists, withdrawing the claim settlement pre-payment processing; if the result of the examination is unanimous, the treatment is not needed.

The following further explains the project processing method provided in this embodiment by taking an application of the project processing method provided in this embodiment in a fund issuance scenario as an example, referring to fig. 2, the project processing method applied in the fund issuance scenario specifically includes steps S202 to S216.

Step S202, according to a first control triggered by a user on a project page of a security project, determining a first project participation type corresponding to the first control.

In step S204, a set of optional participation types allocated to the user is determined based on the credit resources of the user.

Step S206, detecting whether the first item participation type is an optional participation type contained in the optional participation type set;

if yes, go to step S208;

and if not, sending a selection prompt for selecting the optional participation type contained in the optional participation type set to the user.

And S208, performing credit mortgage processing based on the credit resources, and performing project admission processing on the user based on the identity information to obtain the details of the participation of the guarantee project of the user.

Step S210, under the condition that the project participation time of the user is detected to exceed the period of the preposed project, the project instruction submitted by the user is obtained.

Step S212, if the item instruction is an exit instruction, detecting whether the first clearing mode is matched with the item participation type selected by the user;

if yes, go to step S214 to step S216;

if not, sending a clearing mode switching prompt to the user.

Step S214, the mortgage state of the mortgage credit resource after the credit mortgage processing is released.

Step S216, the user is removed from the guarantee member list of the guarantee project, and the qualification using state of the preposed participation qualification of the user is updated.

The following further describes the project processing method provided in this embodiment by taking an application of the project processing method provided in this embodiment in a trial project scenario as an example, referring to fig. 3, the project processing method applied in a resource issuing scenario specifically includes steps S302 to S316.

Step S302, according to a second trial type control triggered by the user on the project page of the project, determining a second project trial type corresponding to the second trial type control.

Step S304, detecting whether the credit rating of the user is higher than the credit admittance level of the second item trial type;

if yes, go to step S306;

if not, a prompt that the credit admission grade is not met is sent to the user.

In step S306, the credit resource and the electronic money resource are determined as available resources based on the second item trial type.

Step S308, the payment processing of the project trial period of the project is carried out based on the electronic money resources, and the credit mortgage processing is carried out based on the credit resources.

And step S310, performing project admission processing based on the identity information of the user, and obtaining project trial details of the user after successful processing.

Step S312, under the condition that the trial time of the user is detected to exceed the trial period of the project, the project instruction submitted by the user is obtained.

Step S314, if the item instruction is a trial quit instruction, removing the mortgage state of the mortgage credit resources after the credit mortgage processing, and deducting the refund fee corresponding to the second refund mode from the user account of the user.

Step S316, the user is removed from the trial member list of the item, and the qualification using state of the trial qualification of the item of the user is updated.

An embodiment of an insurance item processing method provided in this specification:

referring to fig. 4, it shows a processing flow chart of an insurance item processing method provided in this embodiment, specifically including step S402 to step S410.

Step S402, the first insurance type selected by the user in the insurance project insurance page is obtained.

In the item processing method provided by this embodiment, in order to enable the user to actually perceive details and experience of the insurance application during the process of participating in the insurance item, the credit to be mortgaged is determined according to the selected first-stage insurance application type of the user, and the credit mortgages are used as participation conditions of the first-stage insurance deadline of the user participating in the insurance item, so that the user can perform the insurance application and experience the insurance item based on the credit mortgages, and meanwhile, under the condition that the first-stage insurance deadline is over, the user can select to continue participation in the insurance item or quit the insurance item, so that the user can actually perceive the insurance application experience of the insurance item through the participation process of the first-stage insurance deadline, and simultaneously provide the user with low-cost insurance application experience, avoid the user from wanting to quit after the insurance application and incur more resource loss, thereby providing the user with more economic item service experience, therefore, the application enthusiasm of the user is improved.

The insurance item is configured with two types of first-term insurances: the credit mortgage type and the first-stage low-cost type are selected, the first-stage insurance type refers to an insurance mode selected in the insurance process of the user, different first-stage insurance types are selected, and resources paid out by the user in the insurance process are different. The credit mortgage type refers to the process of applying a guarantee by taking the credit of a user as a guarantee so as to carry out the advanced/advanced trial experience of the insurance item; the first-stage low-cost insurance application type is that on one hand, the credit of the user is used as guarantee to apply insurance, and on the other hand, a certain fee is required to be paid in the insurance application process, so that the advanced/preposed 'trial' experience of the insurance item is carried out.

The insurance page of the insurance project is provided with a first insurance application control and a second insurance application control, the first insurance application control corresponds to the credit mortgage insurance application type, and if the user triggers the first insurance application control, the user indicates that the user chooses to apply insurance according to the credit mortgage insurance application type; the second insurance application control corresponds to the first-stage low-cost insurance application type, and if the user triggers the second insurance application control, the user is indicated to select insurance application according to the first-stage low-cost insurance application type, namely: and selecting a credit mortgage and a payment mode for application.

Besides, a plurality of initial insurance types can be set according to the resource types of the available resources, for example, there are 3 resource types: the credit resource, the electronic money resource, and the virtual resource may be set to an initial insurance type for making an insurance based on the credit resource, an initial insurance type for making an insurance based on the electronic money resource, an initial insurance type for making an insurance based on the virtual resource, and/or an initial insurance type for making an insurance based on any two or three of the credit resource, the electronic money resource, and the virtual resource.

Based on the above, in the specific implementation process, according to the insurance control triggered according to the insurance page of the insurance project by the user, determining the first-stage insurance type corresponding to the insurance control, specifically, if the user triggers the first insurance control, determining that the first-stage insurance type corresponding to the first insurance control is the credit mortgage insurance type, which indicates that the user selects to carry out the insurance application according to the credit mortgage insurance type; and if the user triggers the second insurance application control, determining that the first insurance application type corresponding to the second insurance application control is the first low-cost insurance application type, and indicating that the user selects to apply insurance according to the first low-cost insurance application type.

Step S404, detecting whether the credit resources of the user meet the insurance conditions of the initial insurance type.

The insurance conditions of the initial insurance application type refer to conditions which need to be met by the user under the condition that the user selects the initial insurance application type to apply insurance, and the user meeting the insurance conditions is allowed to join the insurance project and enjoy the guarantee service provided by the insurance project. For example, if the user chooses to make a guarantee according to the credit mortgage guarantee type, the credit of the user must satisfy the corresponding credit condition.

Optionally, the initial insurance type insurance conditions include: and the credit level corresponding to the credit resource is greater than or equal to the credit admission level of the first guarantee type. For example, if the user selects a credit mortgage type, and applies a mortgage by credit mortgage and adds an insurance item, the credit rating of the user needs to satisfy the guarantee condition of the credit mortgage type, i.e., the credit rating needs to be higher than the credit rating threshold required by the credit mortgage type.

In practical applications, a user often does not clearly know whether the user himself or herself meets the application condition of the selected top application type in the process of selecting the top application type, and therefore, after the user selects the top application type, a detection is performed to determine whether the user meets the application condition of the selected top application type, in an optional implementation manner provided by this embodiment, in the process of detecting whether available resources of the user meet the participation condition of a project in the project participation type, a set of the allocated optional application types is determined based on the credit resources; and further detecting whether the initial insurance type is an optional insurance type contained in the optional insurance type set; if yes, indicating that the user meets the insurance application condition of the selected first-term insurance application type, executing the following step S406;

if not, the user is indicated to not meet the selected initial insurance application type insurance application condition, a prompt which does not meet the insurance application condition is sent to the user, or a selection prompt which selects the selectable insurance application type contained in the selectable insurance application type set is sent to the user.

Wherein, the selectable application type set refers to a set composed of one or more selectable application types; the selectable insurance application types are characterized in that insurance application conditions of each first insurance application type are detected aiming at the user in advance according to user data such as credit of the user, and the detected first insurance application types are used as selectable insurance application types distributed to the user.

And step S406, performing credit mortgage processing and insurance payment based on the initial insurance type and the credit resources.

As described above, the initial insurance types include a credit mortgage type and an initial low-cost insurance type, and the following detailed description will be made for specific processes of insurance under the two initial insurance types.

(1) Credit mortgage type

And under the credit mortgage type, performing credit mortgage processing and guarantee payment based on the initial mortgage type and the credit resources, and specifically comprising the following steps of: performing credit mortgage processing based on the credit resources, and performing insurance application processing on the user based on the identity information to obtain insurance policy details of the user; the payment amount of the application payment under the credit mortgage type is 0.

In the process, in order to reflect that users with different credit levels process personalization and experience personalization in the process of insuring so as to urge the users to maintain good credit, optionally, the credit mortgage limit processed by the credit mortgage is determined according to the resource limit of the credit resource of the users; for example, for a user with a high credit rating, the credit mortgage limit required at the time of the application is low; conversely, for a user with a lower credit rating, the credit mortgage limit required at the time of the application is higher.

It should be noted that, in this embodiment, the authorization status of the mortgage credit resource performing credit mortgage processing in the credit resources is updated to be the authorized status, and the credit resources in the authorized status cannot be used for credit mortgage authorization, that is: the mortgage credit resource can not be used in the process of credit mortgage processing, in other words, each part of credit resource can only be used for credit mortgage processing once and can not be used for credit mortgage repeatedly, and the purpose is to avoid a large number of users from being applied with insurance in a credit mortgage mode for infinite times so as to guarantee the rights and interests of an insurance project operator or an insurance service provider.

(2) First-stage low-cost insurance type

Under the initial low-cost insurance type, credit mortgage processing and insurance payment are carried out based on the initial insurance type and the credit resources, and the method specifically comprises the following steps: performing credit mortgage processing based on the credit resources, and performing insurance payment based on the payment account of the user; and performing insurance processing on the user based on the identity information to obtain insurance policy details of the user.

Meanwhile, the payment amount of the insurance payment is obtained by calculation according to the mortgage limit and the insurance cost of the first-stage insurance period; the first insurance period refers to a first guarantee period of the insurance item, or a trial period or an experience period consisting of one or more guarantee periods. Specifically, the payment amount of the insurance payment is equal to the difference between the insurance cost of the first-stage insurance period and the mortgage limit.

Step S408, under the condition that the insurance time of the user exceeds the first insurance limit, acquiring a user instruction submitted by the user.

In practical application, after a user pays a premium and successfully joins an insurance item, if the user wants to quit due to the fact that the experience of the insurance item does not meet expectations, refund cannot be obtained for a part which does not meet a guarantee period, and particularly for a long-term insurance item with a long guarantee period, the fund loss borne by the user when the user quits the insurance item is serious.

Specifically, whether the entry time of the user exceeds a first-term insurance limit is detected, a user instruction submitted by the user for the insurance item is obtained under the condition that the entry time of the user exceeds the first-term insurance limit is detected, and if the user instruction submitted by the user is a guarantee-withdrawal instruction, the following step S410 is executed to carry out guarantee-withdrawal processing on the user;

in an optional implementation manner provided in this embodiment, if the user instruction is a renewal instruction, the mortgage state of the first credit resource mortgage after the credit mortgage processing is released, and the renewal processing is performed based on the details of the policy obtained after the insurance application payment. And the renewal treatment aiming at the insurance item comprises the corresponding payment of the premium according to the premium amount recorded in the insurance policy detail.

Step S410, if the user instruction is a guarantee-withdrawal instruction, the user is subjected to guarantee-withdrawal processing based on a guarantee-withdrawal mode corresponding to the guarantee-withdrawal instruction.

In order to further improve the user experience of the user in the process of the application trial and experience in the first insurance limit of the insurance project, reduce the investment loss generated by the user in the process of the insurance refund, improve the degree of importance on the credit, and urge the user to perform the credit performance better, the embodiment provides two types of escort refund modes: a credit pledge rebate mode and a low-fee pledge rebate mode; wherein the credit mortgage mode is that the user can quit the insurance item based on credit, and the low-fee mortgage mode is that the user can quit the insurance item based on both credit and clear fee.

The user instruction is submitted by a user through a project page of the insurance project, the project page is configured with a first clearing control corresponding to a credit escort refund mode and a second clearing control corresponding to a low-cost escort refund mode, and if the user triggers the first clearing control, the user indicates that the user selects the credit escort refund mode to carry out refund; the second clearing control corresponds to the low-cost escort refund mode, and if the user triggers the second clearing control, the user is indicated to select the low-cost escort refund mode for refund.

It should be noted that the mortgage refund mode has a matching relationship with the first-term insurance application type, specifically, if the user selects to apply the insurance according to the credit mortgage application type, the user can select the credit mortgage refund mode to perform the refund in the process of performing the refund after the expiration of the first-term insurance deadline, and can also select the low-cost mortgage refund mode to perform the refund; if the user selects to carry out the insurance application according to the first-stage low-fee insurance application type, the user can select a low-fee escort mode to carry out the insurance release in the process of carrying out the insurance release after the first-stage insurance deadline is expired, and cannot select a credit escort mode to carry out the insurance release; in other words, the low-fee mortgage refund pattern has a matching relationship with both the credit mortgage type and the premier low-fee mortgage type; the credit mortgage refund mode only has a matching relation with the credit mortgage type and does not have a matching relation with the initial low-cost application type.

The following detailed description will be made for the specific processes of the refund processing in the two types of refund modes.

(1) Credit pledge refund mode

Under the condition that the user selects the guarantee-release mode after the first-term insurance deadline of the insurance item is expired, the user carries out the guarantee-release processing process based on the guarantee-release mode corresponding to the guarantee-release instruction, and if the guarantee-release mode selected by the user is the credit guarantee-release mode, the guarantee-release processing process is realized by adopting the following mode:

canceling the mortgage state of the mortgage-processed first credit resource;

removing the user from the insurance member list of the insurance item and updating the qualification status of the user's insurance experience qualification.

In this embodiment, if the user selects to perform the revocation in the credit revocation mode, the user loses the qualification of participating in the first-term insurance trial and experience of the insurance item again in the credit mortgage type or the first-term low-fee insurance type, that is: the qualification use state of the insurance experience qualification of the user is updated to be in a frozen state or an invalid state;

as described above, the mortgage refunding mode and the first-term insuring type have a matching relationship, which avoids the confusion between the first-term insuring type selected by the user and the mortgage refunding mode, which results in the situation that the user cannot refund or other situations affect the user experience, and on the other hand, the matching relationship also aims to guarantee the rights and interests of the insurance project operator or the insurance service provider, and avoids a large number of users from conducting the insuring and the refunding in a credit mortgage manner for an unlimited number of times, in an optional implementation manner provided in this embodiment, before the mortgage state of the mortgage-processed first credit resource is relieved, whether the credit mortgage refunding mode is matched with the first-term insuring type selected by the user is detected; if yes, executing the mortgage state process of the first credit resource which is mortgaged after the credit mortgage removing process; and if not, sending a guarantee-release mode switching prompt to the user.

(2) Low fee escort mode of refunding

The method comprises the following steps that under the condition that a user selects the guarantee refund after the first-term insurance deadline of an insurance item is expired, the user carries out the process of the guarantee refund processing on the basis of the escort guarantee refund mode corresponding to the guarantee refund instruction, and if the escort guarantee refund mode selected by the user is the low-cost escort guarantee refund mode, the process of the guarantee refund processing is realized by adopting the following mode:

canceling the mortgage state of the mortgage-processed first credit resource, and deducting the clearing fee corresponding to the low-cost mortgage refunding mode from the user account of the user;

and removing the user from the insurance member list of the insurance, and updating the qualification use state of the insurance experience qualification of the user.

In this embodiment, if the user selects to perform the refund in the low-fee refund mode, the user still retains the qualification for participating in the first-term insurance period trial and experience of the insurance item in the credit mortgage type or the first-term low-fee refund type, that is: the qualification status of the user's insurance experience qualification is updated to a valid or available status. Besides, the qualification status of the insurance experience qualification can be associated with the resource limit of the credit resource of the user, and if the authorization status of the credit resource of the user is updated to be the authorized status, the qualification status of the insurance experience qualification is updated to be the frozen status or the invalid status; and if the authorization state of the credit resources of the user is not updated to the authorized state, updating the qualification use state of the insurance experience qualification to a valid state or an available state.

In practical applications, insurance items are often configured with corresponding insurance waiting periods, for long-term insurance items, the insurance waiting period is generally 3 months or half a year, in this case, it is assumed that users participate in the insurance items in a credit mortgage manner, if the duration of the first insurance period during which users participate in trial use or join in experience is shorter than the duration of the insurance waiting period, users cannot apply for insurance claims in the first insurance period, and it will have no meaning for users to perform insurance trial use, for this reason, optionally, the insurance items are configured with the insurance waiting period during which insurance claims cannot be applied; and the duration of the insurance waiting period of the insurance item is shorter than the duration of the first-stage insurance period, and the insurance waiting period is determined according to the credit line of the credit resource. For example, the credit rating of a user is negatively correlated with the duration of the first-term insurance period, and the higher the credit rating is, the shorter the first-term insurance period is; conversely, the lower the credit rating the longer the first-term insurance.

In a specific implementation, in order to further urge the user to perform credit fulfillment better, maintain and perfect a user credit system, and ensure that the user can enjoy corresponding guarantee rights and interests after making an insurance application, in an optional implementation manner provided in this embodiment, the user is subjected to claim settlement prepayment processing in the case of acquiring an insurance claim application submitted by the user; and the claim limit of the claim pre-payment processing is obtained by calculating the pre-payment coefficient determined by the credit resource and the insurance premium of the insurance item.

Further, from the perspective of an insurance project operator or an insurance service provider of the insurance project, in order to avoid a user from making a false application for insurance claims and to reduce the occurrence probability of cheating insurance claims, in an optional implementation manner provided by this embodiment, the pre-payment processing of the claims is checked; if the audit result is that an objection exists, withdrawing the claim settlement pre-payment processing; if the result of the examination is unanimous, the treatment is not needed.

An embodiment of a project processing apparatus provided in this specification is as follows:

in the above embodiments, an item processing method is provided, and correspondingly, an item processing apparatus is also provided, which is described below with reference to the accompanying drawings.

Referring to fig. 5, a schematic diagram of an item processing apparatus provided in this embodiment is shown.

Since the device embodiments correspond to the method embodiments, the description is relatively simple, and the relevant portions may refer to the corresponding description of the method embodiments provided above. The device embodiments described below are merely illustrative.

The present embodiment provides an item processing apparatus, including:

a project participation type determining module 502, configured to determine a project participation type corresponding to a participation type control triggered by a user on a project page;

an engagement condition detection module 504 configured to detect whether available resources of the user satisfy an engagement condition of an item at the item engagement type;

if yes, the project admission processing module 506 and the project instruction acquisition module 508 are operated;

the item admission processing module 506 is configured to perform a mortgage process and an item admission process based on the item participation type and the available resources;

the project instruction acquisition 508 is configured to acquire a project instruction submitted by the user when detecting that the project participation time of the user exceeds a pre-project period;

a clearing and quitting module 510 configured to, if the item instruction is an exit instruction, perform clearing and quitting processing on the user based on a escorting clearing and quitting mode corresponding to the exit instruction.

The embodiment of the insurance item processing device provided by the specification is as follows:

referring to fig. 6, there is shown a schematic diagram of an insurance item processing apparatus according to this embodiment.

The present embodiment provides an insurance item processing apparatus, including:

an initial insurance application type obtaining module 602, configured to obtain an initial insurance application type selected by a user in an insurance page of an insurance project;

an application condition detection module 604 configured to detect whether the credit resources of the user satisfy an application condition of the initial application type;

if yes, running credit mortgage payment module 606 and user instruction acquisition module 608;

the credit mortgage payment module 606 configured to perform credit mortgage processing and underwriting payment based on the type of the first-term application and the credit resources;

the user instruction obtaining module 608 is configured to obtain a user instruction submitted by the user when it is detected that the deposit and insurance time of the user exceeds a first-term insurance limit;

the guarantee-release processing module 610 is configured to, if the user instruction is a guarantee-release instruction, perform guarantee-release processing on the user based on a guarantee-release guarantee mode corresponding to the guarantee-release instruction.

corresponding to the above-described project processing method, based on the same technical concept, one or more embodiments of the present specification further provide a project processing apparatus for executing the above-described project processing method, and fig. 7 is a schematic structural diagram of a project processing apparatus provided in one or more embodiments of the present specification.

The embodiment provides a project processing device, which comprises:

as shown in fig. 7, the project processing apparatus may have a relatively large difference due to different configurations or performances, and may include one or more processors 701 and a memory 702, where one or more stored applications or data may be stored in the memory 702. Memory 702 may be, among other things, transient storage or persistent storage. The application program stored in memory 702 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in an item processing apparatus. Still further, processor 701 may be configured to communicate with memory 702 to execute a series of computer-executable instructions in memory 702 on an item processing device. The item processing apparatus may also include one or more power supplies 703, one or more wired or wireless network interfaces 704, one or more input-output interfaces 705, one or more keyboards 706, and the like.

In one particular embodiment, an item processing apparatus comprises a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may comprise one or more modules, and each module may comprise a series of computer-executable instructions for the item processing apparatus, and the one or more programs configured for execution by the one or more processors include computer-executable instructions for:

determining a project participation type corresponding to a participation type control according to the participation type control triggered by a user on a project page;

detecting whether available resources of the user meet an engagement condition of an item in the item engagement type;

if yes, carrying out mortgage processing and project admission processing based on the project participation type and the available resources;

under the condition that the project participation time of the user exceeds a front project period, acquiring a project instruction submitted by the user;

and if the item instruction is an exit instruction, clearing the user based on a escorting clearing mode corresponding to the exit instruction.

The embodiment of the insurance item processing equipment provided by the specification is as follows:

corresponding to the insurance item processing method described above, based on the same technical concept, one or more embodiments of the present specification further provide an insurance item processing apparatus for executing the insurance item processing method provided above, and fig. 8 is a schematic structural diagram of the insurance item processing apparatus provided in one or more embodiments of the present specification.

The embodiment provides an insurance item processing apparatus, including:

as shown in fig. 8, insurance item processing equipment may vary widely in configuration or performance and may include one or more processors 801 and memory 802, where one or more stored applications or data may be stored in memory 802. Wherein the memory 802 may be a transient storage or a persistent storage. The application program stored in memory 802 may include one or more modules (not shown), each of which may include a series of computer-executable instructions in an insurance item processing apparatus. Still further, the processor 801 may be configured to communicate with the memory 802 to execute a series of computer-executable instructions in the memory 802 on the insurance item processing device. The insurance item processing apparatus may also include one or more power supplies 803, one or more wired or wireless network interfaces 804, one or more input-output interfaces 805, one or more keyboards 806, and the like.

In one particular embodiment, an insurance item processing apparatus includes a memory, and one or more programs, wherein the one or more programs are stored in the memory, and the one or more programs may include one or more modules, and each module may include a series of computer-executable instructions for the insurance item processing apparatus, and the one or more programs configured to be executed by the one or more processors include computer-executable instructions for:

acquiring a first-stage insurance application type selected by a user in an insurance application page of an insurance project;

detecting whether the credit resources of the user meet the insurance conditions of the initial insurance type;

if yes, performing credit mortgage processing and insurance payment based on the initial insurance type and the credit resources;

under the condition that the guarantee period of the user exceeds the first-period insurance limit, acquiring a user instruction submitted by the user;

and if the user instruction is a guarantee-withdrawal instruction, carrying out guarantee-withdrawal processing on the user based on a guarantee-withdrawal mode corresponding to the guarantee-withdrawal instruction.

An embodiment of a storage medium provided in this specification is as follows:

on the basis of the same technical concept corresponding to the project processing method described above, one or more embodiments of the present specification further provide a storage medium.

The storage medium provided in this embodiment is used to store computer-executable instructions, and when executed, the computer-executable instructions implement the following processes:

Another storage medium embodiment provided in this specification is as follows:

on the basis of the same technical concept, one or more embodiments of the present specification further provide a storage medium corresponding to the insurance item processing method described above.

It should be noted that the embodiment of the storage medium in this specification and the embodiment of the item processing method in this specification are based on the same inventive concept, and therefore, for specific implementation of this embodiment, reference may be made to implementation of the foregoing corresponding method, and repeated details are not described here.

The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.

In the 30 s of the 20 th century, improvements in a technology could clearly be distinguished between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain the corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate application-specific integrated circuit chips. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry that implements the logical method flows can be readily obtained by merely slightly programming the method flows into an integrated circuit using the hardware description languages described above.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in multiple software and/or hardware when implementing the embodiments of the present description.

One skilled in the art will recognize that one or more embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, one or more embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the description 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 description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

One or more embodiments of the present description may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. One or more embodiments of the specification may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

The above description is only an example of this document and is not intended to limit this document. Various modifications and changes may occur to those skilled in the art from this document. Any modifications, equivalents, improvements, etc. which come within the spirit and principle of the disclosure are intended to be included within the scope of the claims of this document.

Claims

1. A method of item processing, comprising:

2. The item processing method according to claim 1, wherein if the item instruction is a renewal instruction, the mortgage state of the mortgage-processed first available resource is released, and the renewal process is performed based on the item participation details obtained after the entry process.

3. The item processing method of claim 1, the item comprising a period item, the leading item period comprising a first period of the period item.

4. The item processing method of claim 1, said detecting whether available resources of the user satisfy an engagement condition of an item at the item engagement type, comprising:

determining a set of selectable participation types to allocate to the user based on the available resources;

detecting whether the item participation type is an optional participation type contained in the optional participation type set; if yes, executing the next step.

5. The item processing method according to claim 1, the participation condition of the item participation type comprising: the resource level corresponding to the available resources is greater than or equal to the resource admission level of the project participation type.

6. The item processing method of claim 1, the item participation type comprising a first item participation type; the available resources comprise credit resources and electronic currency resources;

correspondingly, the performing of the mortgage processing and the project admission processing based on the project participation type and the available resource includes:

7. The item processing method of claim 1, the item participation type comprising a second item participation type; the available resources comprise credit resources and electronic currency resources;

8. The item processing method of claim 7, wherein the credit mortgage limit of the credit mortgage process is determined according to a resource limit of the credit resource of the user;

and the payment limit of the payment processing is obtained by calculation according to the credit mortgage limit and the front period cost of the front project period.

9. The item processing method of claim 1, the escort clearing mode comprising a first clearing mode; correspondingly, the clearing and quitting the user based on the escorting clearing and quitting mode corresponding to the quitting instruction comprises:

10. The item processing method of claim 9, wherein before the performing of the mortgage status sub-step of the mortgage-released first available resource, further comprising:

detecting whether the first clearing mode matches the user-selected item participation type;

if yes, executing the mortgage state substep of the mortgage-released first available resource;

and if not, sending a clearing mode switching prompt to the user.

11. The item processing method of claim 1, the escort clearing mode comprising a second clearing mode; correspondingly, the clearing and quitting the user based on the escorting clearing and quitting mode corresponding to the quitting instruction comprises:

12. The item processing method of claim 1, wherein the authorization status of the secured credit resources after the mortgage process in the available resources is updated to an authorized status, and the mortgage authorization status of the credit resources in the authorized status is frozen.

13. The project processing method according to claim 1, the project including a guarantee project, the guarantee project being configured with a guarantee waiting period for applying for a guarantee in which a guarantee claim cannot be applied; and the duration of the guarantee waiting period of the project is shorter than the duration of the preposed project period, and the guarantee waiting period is determined according to the resource limit of the available resources.

14. The item processing method of claim 13, further comprising:

under the condition that a guarantee application request submitted by the user is obtained, carrying out claim settlement pre-payment processing on the user;

and calculating the claim amount of the claim prepayment processing according to the prepayment coefficient determined by the available resources and the guarantee amount of the guarantee item.

15. The item processing method of claim 14, further comprising:

auditing the claim pre-payment processing;

and if the examination result is that the objection exists, withdrawing the claim settlement pre-payment processing.

16. An insurance item processing method, comprising:

17. The insurance item processing method according to claim 16, wherein if the user instruction is a renewal instruction, the mortgage state of the first credit resource mortgage after the credit mortgage process is released, and the renewal process is performed based on the details of the policy obtained after the payment of the insurance application.

18. The insurance item processing method of claim 16, said detecting whether the user's credit resources meet an application condition of the first-term application type, comprising:

determining a set of selectable underwriting types for the allocation based on the credit resources;

detecting whether the initial insurance type is an optional insurance type contained in the optional insurance type set; if yes, executing the next step.

19. The insurance item processing method of claim 16, wherein the conditions for making an initial insurance application include credit levels corresponding to credit resources greater than or equal to credit admission levels of the initial insurance application.

20. An item processing apparatus comprising:

the project participation type determining module is configured to determine a project participation type corresponding to a participation type control according to the participation type control triggered by a user on a project page;

an engagement condition detection module configured to detect whether available resources of the user satisfy an engagement condition of an item at the item engagement type;

if yes, operating a project admission processing module and a project instruction acquisition module;

the project admission processing module is configured to perform mortgage processing and project admission processing based on the project participation type and the available resources;

the project instruction acquisition module is configured to acquire a project instruction submitted by the user when detecting that the project participation time of the user exceeds a front project period;

and the clearing and quitting processing module is configured to clear and quit the user based on a escorting clearing and quitting mode corresponding to the quitting instruction if the item instruction is the quitting instruction.

21. An insurance item processing apparatus comprising:

the system comprises an initial insurance type acquisition module, a first insurance application type acquisition module and a second insurance application type acquisition module, wherein the initial insurance application type acquisition module is configured to acquire an initial insurance application type selected by a user in an insurance application page of an insurance project;

an application condition detection module configured to detect whether the credit resources of the user meet an application condition of the initial application type;

if yes, operating a credit mortgage payment module and a user instruction acquisition module;

the credit mortgage payment module is configured to perform credit mortgage processing and underwriting payment based on the initial underwriting type and the credit resources;

the user instruction acquisition module is configured to acquire a user instruction submitted by the user when the condition that the entry time of the user exceeds a first-term insurance limit is detected;

and the system comprises a refund processing module and a refund processing module, wherein the refund processing module is configured to perform refund processing on the user based on a refund mode corresponding to the refund instruction if the user instruction is the refund instruction.

22. An item processing apparatus comprising:

a processor; and the number of the first and second groups,

a memory configured to store computer-executable instructions that, when executed, cause the processor to:

23. An insurance item processing apparatus comprising:

a processor; and the number of the first and second groups,

24. A storage medium storing computer-executable instructions that when executed implement the following:

25. A storage medium storing computer-executable instructions that when executed implement the following: