CN113487309A - Policy data updating method and device, computer equipment and storage medium - Google Patents
Policy data updating method and device, computer equipment and storage medium Download PDFInfo
- Publication number
- CN113487309A CN113487309A CN202110874843.4A CN202110874843A CN113487309A CN 113487309 A CN113487309 A CN 113487309A CN 202110874843 A CN202110874843 A CN 202110874843A CN 113487309 A CN113487309 A CN 113487309A
- Authority
- CN
- China
- Prior art keywords
- policy
- transfer
- resource amount
- conversion
- account
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 58
- 238000006243 chemical reaction Methods 0.000 claims abstract description 218
- 238000004590 computer program Methods 0.000 claims description 13
- 238000012790 confirmation Methods 0.000 claims description 12
- 238000012546 transfer Methods 0.000 claims description 12
- 230000008676 import Effects 0.000 claims description 3
- 238000013473 artificial intelligence Methods 0.000 abstract description 5
- 238000007726 management method Methods 0.000 description 10
- 230000008569 process Effects 0.000 description 10
- 230000006870 function Effects 0.000 description 9
- 238000010586 diagram Methods 0.000 description 7
- 238000004891 communication Methods 0.000 description 6
- 238000013523 data management Methods 0.000 description 5
- 230000009467 reduction Effects 0.000 description 3
- 230000008901 benefit Effects 0.000 description 2
- 238000005266 casting Methods 0.000 description 2
- 238000005516 engineering process Methods 0.000 description 2
- 238000010276 construction Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 230000006872 improvement Effects 0.000 description 1
- 230000003993 interaction Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 230000003287 optical effect Effects 0.000 description 1
- 230000003068 static effect Effects 0.000 description 1
- 238000012384 transportation and delivery Methods 0.000 description 1
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Theoretical Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Economics (AREA)
- Strategic Management (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Entrepreneurship & Innovation (AREA)
- Operations Research (AREA)
- Human Resources & Organizations (AREA)
- Game Theory and Decision Science (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The application relates to the technical field of artificial intelligence, and provides a policy data updating method, a policy data updating device, computer equipment and a storage medium. The method comprises the following steps: receiving a policy account conversion request carrying the transferred-out policy data, finding out associated policy data of the transferred-out policy data according to the transferred-out policy data and a preset multi-policy association relation table, pushing the associated policy data to a user terminal, receiving a transferred-in policy, a conversion resource amount and a conversion mode corresponding to the associated policy data fed back by the user terminal, obtaining a transferred-out resource amount of the transferred-out policy and a transferred-in resource amount of the transferred-in policy based on the conversion resource amount and the conversion mode, updating account information of the transferred-out policy according to the transferred-out resource amount, and updating the account information of the transferred-in policy according to the transferred-in resource amount, thereby completing policy account conversion. By adopting the method, the conversion efficiency of the policy account can be improved to a great extent.
Description
Technical Field
The present application relates to the field of artificial intelligence technologies, and in particular, to a policy data updating method, apparatus, computer device, and storage medium.
Background
With the improvement of living standard of people and the gradual deepening of people's understanding of insurance, more and more people realize the importance of insurance allocation and begin to buy insurance.
In recent years, investment-type insurance products are becoming more popular because they have both insurance and investment-management functions.
The investment insurance product is characterized in that a plurality of investment accounts are provided, the investment combination of each account is different, the earning rate is different, the investment risk is different, the investment proportion can be adjusted among different accounts of the same policy (product), but the accounts of different policies (product) can not be communicated with each other for conversion, if a user wants to carry out the conversion of different policies, if the user wants to reduce the investment share of one policy (product), only the process of security reduction or security refunding can be carried out, the fund in the policy is transferred out and then another product is bought, the process needs to be operated for a plurality of times, a certain time is spent, and corresponding commission charge is also generated. Therefore, the current mode of converting investment type insurance products has the problem of low conversion efficiency.
Disclosure of Invention
In view of the above, it is necessary to provide a policy data updating method, apparatus, computer device and storage medium capable of improving conversion efficiency.
A method of policy data update, the method comprising:
receiving a policy account conversion request sent by a user terminal, wherein the policy account conversion request carries transfer-out policy data;
searching the associated policy data of the transferred policy data according to the correlation relation between the transferred policy data and the preset multiple policies, and pushing the associated policy data to the user terminal;
receiving a transfer-in policy, a conversion resource amount and a conversion mode corresponding to the associated policy data, which are fed back by the user terminal, and obtaining a transfer-out resource amount of the transfer-out policy and a transfer-in resource amount of the transfer-in policy based on the conversion resource amount and the conversion mode;
and updating the account information of the transfer-out policy according to the transfer-out resource amount and updating the account information of the transfer-in policy according to the transfer-in resource amount.
In one embodiment, the obtaining the transfer-out resource amount of the transfer-out policy and the transfer-in resource amount of the transfer-in policy based on the conversion resource amount and the conversion manner includes:
acquiring the latest resource transfer-out parameter of the transferred-out policy, the residual resource amount of the primary account and the latest resource transfer-in parameter of the transferred-in policy;
obtaining value information of the transferred insurance policy according to the latest resource transfer parameter of the transferred insurance policy and the residual resource amount of the primary account;
determining the transfer-out resource amount of the transferred-out insurance policy according to the value information, the conversion mode and the conversion amount of the transferred-out insurance policy;
and determining the transfer-in resource amount of the transfer-in policy according to the transfer-out resource amount and the latest resource transfer-in parameter of the transfer-in policy according to the converted resource amount and the latest resource transfer-in parameter of the transfer-in policy.
In one embodiment, after obtaining the transfer-out resource amount of the transfer-out policy and the transfer-in resource amount of the transfer-in policy based on the conversion resource amount and the conversion manner, the method further includes:
obtaining the account residual resource amount of the transferred-out policy according to the initial account residual resource amount of the transferred-out policy and the transferred-out resource amount;
updating the account information of the transfer-out policy according to the transfer-out resource amount and updating the account information of the transfer-in policy according to the transfer-in resource amount comprises the following steps:
and when the residual resource amount of the account of the transferred-out policy meets the preset policy transfer-out requirement, updating the account information of the transferred-out policy according to the transfer-out resource amount and updating the account information of the transferred-in policy according to the transferred-in resource amount.
In one embodiment, before updating the account information transferred to the policy according to the transferred resource amount, the method further comprises:
pushing the configuration data of the conversion confirmation interface carrying the amount of the transferred-in resource and the amount of the transferred-out resource to the user terminal;
and receiving a confirmation conversion message fed back by the user terminal, and judging whether the residual resource amount of the account transferred out of the policy meets the preset policy transfer-out requirement or not.
In one embodiment, the determining whether the remaining resource amount of the account for transferring out the policy meets the preset policy transfer requirement comprises:
acquiring the management fee of the transferred insurance policy according to the transferred insurance policy data;
when the account residual resource amount of the transferred-out insurance policy is larger than or equal to the management time of the transferred-out insurance policy, judging that the account residual resource amount of the transferred-out insurance policy meets the preset insurance policy transfer-out requirement; otherwise, judging that the residual resource amount of the account transferred out of the policy does not meet the preset policy transfer-out requirement, and terminating the policy account conversion.
In one embodiment, after updating the account master profile information of the transfer-out policy according to the transfer-out resource amount and updating the account master profile information of the transfer-in policy according to the transfer-in resource amount, the method further comprises:
and updating the preset policy account conversion list according to the transfer-out policy data, the transfer-out resource amount, the transfer-in policy data and the transfer-in resource amount.
In one embodiment, the conversion mode includes resource amount conversion, proportional conversion or unit number conversion.
A policy data updating apparatus, the apparatus comprising:
the request receiving module is used for receiving a policy account conversion request sent by the user terminal, and the policy account conversion request carries transfer-out policy data;
the transfer-in policy pushing module is used for searching the associated policy data of the transfer-out policy data according to the correlation relation between the transfer-out policy data and the preset multiple policies, and pushing the policy conversion interface data carrying the associated policy data to the user terminal;
the conversion amount determining module is used for receiving the transfer-in policy, the conversion resource amount and the conversion mode corresponding to the associated policy data fed back by the user terminal, and obtaining the transfer-out resource amount of the transfer-out policy and the transfer-in resource amount of the transfer-in policy based on the conversion resource amount and the conversion mode;
and the policy account conversion module is used for updating the account information of the transfer-out policy according to the transfer-out resource amount and updating the account information of the transfer-in policy according to the transfer-in resource amount.
A computer device comprising a memory and a processor, the memory storing a computer program, the processor implementing the following steps when executing the computer program:
receiving a policy account conversion request sent by a user terminal, wherein the policy account conversion request carries transfer-out policy data;
searching the associated policy data of the transferred policy data according to the correlation relation between the transferred policy data and the preset multiple policies, and pushing the associated policy data to the user terminal;
receiving a transfer-in policy, a conversion resource amount and a conversion mode corresponding to the associated policy data, which are fed back by the user terminal, and obtaining a transfer-out resource amount of the transfer-out policy and a transfer-in resource amount of the transfer-in policy based on the conversion resource amount and the conversion mode;
and updating the account information of the transfer-out policy according to the transfer-out resource amount and updating the account information of the transfer-in policy according to the transfer-in resource amount.
A computer-readable storage medium, on which a computer program is stored which, when executed by a processor, carries out the steps of:
receiving a policy account conversion request sent by a user terminal, wherein the policy account conversion request carries transfer-out policy data;
searching the associated policy data of the transferred policy data according to the correlation relation between the transferred policy data and the preset multiple policies, and pushing the associated policy data to the user terminal;
receiving a transfer-in policy, a conversion resource amount and a conversion mode corresponding to the associated policy data, which are fed back by the user terminal, and obtaining a transfer-out resource amount of the transfer-out policy and a transfer-in resource amount of the transfer-in policy based on the conversion resource amount and the conversion mode;
and updating the account information of the transfer-out policy according to the transfer-out resource amount and updating the account information of the transfer-in policy according to the transfer-in resource amount.
The policy data updating method, the policy data updating device, the computer equipment and the storage medium realize policy account conversion of the transferred-out policy through a multi-policy incidence relation table established in advance, look up the incidence policy number of the transferred-out policy data according to the transferred-out policy data and the preset multi-policy incidence relation table to show that the transferred-out policy can be subjected to policy account conversion, continue the policy account conversion process, calculate the transferred-out resource amount and the transferred-in resource amount corresponding to the conversion mode, and then transfer-out resource amount and the transferred-in resource amount to be subjected to policy account conversion. By adopting the scheme, the mutual conversion of funds among different investment type policy (product) accounts of the same customer can be realized, the time caused by midway processes of refunding, reducing and protecting and re-purchasing is saved, and the policy account conversion efficiency is improved to a great extent.
Drawings
FIG. 1 is a diagram of an application environment of a policy data update method in one embodiment;
FIG. 2 is a schematic flow chart diagram illustrating a policy data update method according to an embodiment;
FIG. 3 is a flowchart illustrating the steps of determining the amount of transferred-out resources and the amount of remaining resources of the account and the amount of transferred-in resources in one embodiment;
FIG. 4 is a schematic flow chart diagram illustrating a policy data update method according to another embodiment;
FIG. 5 is a block diagram of an embodiment of a policy data updating apparatus;
FIG. 6 is a block diagram showing the construction of an additional embodiment of the policy data updating apparatus;
FIG. 7 is a diagram illustrating an internal structure of a computer device according to an embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.
The policy data updating method provided by the application can be applied to the application environment shown in fig. 1. Wherein a user terminal 102 communicates with a server 104 over a network. Specifically, the user logs in the policy data management system on the user terminal 102 to perform policy account conversion operation, sends a policy account conversion request to the server 104, and receives the policy account conversion request sent by the user terminal 102, where the policy account conversion request carries the transferred-out policy data; searching the associated policy data of the transferred policy data according to the correlation relationship between the transferred policy data and the preset multiple policies, and pushing the associated policy data to the user terminal 102; receiving a transfer-in policy, a conversion resource amount and a conversion mode corresponding to the associated policy data, which are fed back by the user terminal 102, and obtaining a transfer-out resource amount of the transfer-out policy and a transfer-in resource amount of the transfer-in policy based on the conversion resource amount and the conversion mode; and updating the account information of the transfer-out policy according to the transfer-out resource amount, and updating the account information of the transfer-in policy according to the transfer-in resource amount to complete policy account conversion. The terminal 102 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, and portable wearable devices, and the server 104 may be an independent server, or may be a cloud server that provides basic cloud computing services such as cloud service, a cloud database, cloud computing, a cloud function, cloud storage, Network service, cloud communication, middleware service, domain name service, security service, Content Delivery Network (CDN), and a big data and artificial intelligence platform. The embodiment of the application can acquire and process related data based on an artificial intelligence technology. Among them, Artificial Intelligence (AI) is a theory, method, technique and application system that simulates, extends and expands human Intelligence using a digital computer or a machine controlled by a digital computer, senses the environment, acquires knowledge and uses the knowledge to obtain the best result.
In one embodiment, as shown in fig. 2, there is provided a policy data updating method, which is described by taking the application of the method to the server in fig. 1 as an example, and includes the following steps:
The transfer-out policy data may also be understood as transfer-out account data, specifically including transfer-out policy number, insurance type, and the like. Aiming at the characteristics of various investment type insurance product forms, different account investment combinations, different earnings and different investment risks, developers add an account communication function aiming at a policy data management system, so that the policy (product) accounts with the same customer communication account can be mutually converted. Specifically, the account function can be set in the dimension of the insured life, and different investment type insurance policies (products) of each customer can open the account function.
And step 204, searching the associated policy data of the transferred policy data according to the transferred policy data and a preset multi-policy association relation table, and pushing the associated policy data to the user terminal.
The preset multi-policy association relation table is a table established for policies opening the account communication, that is, all policies opening the account communication function establish association relations, and are recorded into the multi-policy association relation table, that is, the policies existing in the multi-policy association relation table can be regarded as the policies opening the account communication function, and the table contains a client number, a policy division number, account information (such as robust type and high risk type) and the like. In this embodiment, when the associated policy data of the transferred-out policy number is found in the preset multi-policy association table according to the transferred-out policy number (i.e., the transferred-out policy number), it is verified that the transferred-out policy is the policy with the account open function, and the account conversion process can be performed. The associated policy data is then pushed to the user terminal. In this embodiment, the policy conversion interface data carrying the associated policy data may be pushed to the user terminal in an interface interaction manner, so that the user may input parameters required for corresponding policy account conversion. In specific implementation, the policy conversion interface data includes transfer-in policy selection interface data and conversion mode selection interface carrying associated policy data (including policy number and policy type). And the user terminal displays a transfer-in insurance policy selection interface according to the data of the transfer-in insurance policy selection interface so that the user can select a corresponding transfer-in insurance policy. When a selected transfer-in policy fed back by a user terminal is received, pushing conversion mode selection interface data carrying conversion modes to the user terminal, displaying the corresponding conversion modes by the user terminal, selecting the corresponding conversion modes and inputting corresponding conversion resource quantities by the user according to the requirements, recording the conversion modes and the conversion resource quantities by the user terminal, and then feeding back the conversion modes and the conversion resource quantities to a server. In another embodiment, when the selected transfer-in policy data fed back by the user terminal is received, the transfer-out transfer-in policy association table can be established according to the dividend policy data and the connected policy data so as to carry out account conversion.
And step 206, receiving the transfer-in policy, the conversion resource amount and the conversion mode corresponding to the associated policy data fed back by the user terminal, and obtaining the transfer-out resource amount of the transfer-in policy and the transfer-in resource amount of the transfer-in policy based on the conversion resource amount and the conversion mode.
Transfer to a policy may also be understood as transfer to an account and the resource amount may be an amount, a bitcoin, or a digital renminbi, etc. The conversion mode can be conversion according to the resource amount or proportional conversion, when the specific implementation is carried out, the conversion resource amount takes the conversion amount as an example, after the user selects the conversion mode and the conversion amount, the latest resource transfer-out parameter of the transferred-out insurance policy and the latest resource transfer-in parameter of the transferred-in insurance policy at the same day can be combined, and the transfer-out resource amount of the transferred-out insurance policy, the residual resource amount of the account and the transferred-in resource amount of the transferred-in insurance policy can be obtained by combining the conversion amount and the conversion mode.
And step 208, updating the account information of the transfer-out insurance policy according to the transfer-out resource amount, and updating the account information of the transfer-in insurance policy according to the transfer-in resource amount.
The account information includes an account number, account master profile information, and the like. The account master file information comprises a name, a certificate number, a client number, the residual resource amount of the account, the account opening date, the account fund status, the account annual fee (management fee) charging condition, account opening staff and the like. In this embodiment, the updating of the account information of the transfer-out policy and the transfer-in policy mainly means updating the account remaining resource amount and the account fund status in the master file information to complete the policy account conversion.
For clarity, the policy data updating method provided by the present application is described below with reference to an application example, wherein the rolling-out policy is a dividend policy, and the rolling-in policy selected by the user is an investment link policy (hereinafter referred to as a "rolling-in policy"):
the user who opens the account service logs in the policy data management system on the user terminal to perform policy account conversion operation, selects the transferred policy as the dividend policy, clicks the conversion button, sends a policy account conversion request carrying the dividend policy number to the server, receives the policy account conversion request carrying the transferred dividend policy data sent by the user terminal, then searches the associated policy data associated with the dividend policy data according to the association relationship between the dividend policy data and the preset multiple policies, and pushes the associated policy data to the user terminal. Then, receiving the transfer-in policy corresponding to the associated policy data fed back by the user terminal 102, namely, casting the continuous policy, the conversion amount and the conversion mode (for example, conversion according to unit number), and obtaining the transfer-out share of the red-separating policy and the transfer-in share of the casting continuous policy based on the conversion amount and the conversion mode; and updating the account master file information of the dividend policy according to the transfer-out share of the dividend policy, and updating the account master file information of the connected policy according to the transfer-in share of the connected policy to complete policy account conversion.
In the policy data updating method, policy account conversion of the transferred-out policy is realized through a multi-policy incidence relation table established in advance, the incidence policy number of the transferred-out policy data is searched according to the transferred-out policy data and the preset multi-policy incidence relation table, the transferred-out policy can be subjected to policy account conversion, the policy account conversion process is continued, the transferred-out resource amount and the transferred-in resource amount corresponding to the conversion mode are calculated, and then the transferred-out resource amount and the transferred-in resource amount are subjected to policy account conversion. By adopting the scheme, the mutual conversion of funds among different investment type policy (product) accounts of the same customer can be realized, the time caused by midway processes of refunding, reducing and protecting and re-purchasing is saved, and the policy account conversion efficiency is improved to a great extent.
As shown in fig. 3, in an embodiment, the obtaining of the transfer-out resource amount and the account remaining resource amount of the transfer-out policy based on the conversion amount and the conversion manner, and the transfer-in resource amount of the transfer-in policy includes:
and 286, determining the transfer-in resource amount of the transfer-in insurance policy according to the conversion resource amount and the latest resource transfer-in parameter of the transfer-in insurance policy.
The remaining resource amount of the primary account refers to the remaining resource amount of the account transferred to the policy at the current time before the account conversion is performed. The latest resource roll-in parameter may be a latest bid price or a roll-in parameter of a previous financial market, and the latest resource roll-out parameter may be a latest selling price or a roll-out parameter of a previous financial market. At present, insurance companies on the market sell a large number of investment-type products, mainly including red insurance, universal insurance and investment-linked insurance. In this embodiment, the export policy is an example of a dividend policy, and the import policy selected by the user is an example of an investment link policy. In this embodiment, a third party price obtaining interface may be invoked according to the transfer-out policy number and the transfer-in policy number, to obtain the latest selling offer of the dividend policy on the same day and the latest buying price for putting on the policy, for example, to calculate the current value of the dividend policy based on the latest selling offer of the dividend policy and the remaining resource amount of the primary account, that is, the number (share) of investment units owned by the primary account, and then to determine the corresponding transfer-out resource amount based on the value of the dividend policy and the conversion manner. And subtracting the transferred resource amount from the current account residual resource amount to obtain the account residual resource amount. And determining the transfer-in resource amount of the continuous insurance policy according to the converted resource amount and the latest resource transfer-in parameters of the continuous insurance policy. In the embodiment, the corresponding transfer-out resource amount and transfer-in resource amount are determined by combining the conversion mode according to the latest resource transfer-out parameter and the latest resource transfer-in parameter, so that the conversion amount can be accurately and reasonably obtained, and the benefit of the user is maintained.
In one embodiment, the conversion mode includes resource amount conversion, proportional conversion or unit number conversion. In this embodiment, the implementation means of the conversion mode includes conversion according to the resource amount, conversion according to the proportion, and conversion according to the number of units. The user can select a corresponding conversion mode according to the self requirement. In this embodiment, by providing a conversion method including resource amount conversion, proportion conversion, and unit number conversion, user selectivity can be improved, and user requirements can be met.
In one embodiment, after obtaining the transfer-out resource amount of the transfer-out policy and the transfer-in resource amount of the transfer-in policy based on the conversion resource amount and the conversion manner, the method further includes: obtaining the account residual resource amount of the transferred-out policy according to the initial account residual resource amount of the transferred-out policy and the transferred-out resource amount;
as shown in fig. 4, step 208 includes: in step 228, when the remaining resource amount of the account of the transfer-out policy meets the preset policy transfer-out requirement, the account information of the transfer-out policy is updated according to the transfer-out resource amount, and the account information of the transfer-in policy is updated according to the transfer-in resource amount.
In specific implementation, after the transfer-out resource amount is determined, the transfer-out resource amount can be deducted from the residual resource amount of the primary account to obtain the residual resource amount of the account of the transfer-out policy. Before the policy account is converted, whether the residual resource amount of the account for transferring out the policy meets the preset policy transfer-out requirement is judged, and the policy transfer method is more reasonable.
In one embodiment, as shown in fig. 4, before step 206, the method further includes: step 207, pushing the configuration data of the conversion confirmation interface carrying the amount of the transferred-in resource and the amount of the transferred-out resource to the user terminal; and receiving a confirmation conversion message fed back by the user terminal, and judging whether the account residual resource amount meets the preset policy transfer-out requirement.
In practical application, before the operation of policy account conversion is performed, the configuration data of the conversion confirmation interface can be pushed to the user terminal, and the user terminal displays the conversion confirmation interface, so that a user can confirm whether to perform account conversion according to the amount of the transferred-in resource and the amount of the transferred-out resource through the interface displayed by the user terminal. If the user terminal confirms, receiving a confirmation conversion message fed back by the user terminal, judging whether the residual resource amount of the account meets the preset requirement, and if a conversion cancellation message fed back by the user terminal is received, terminating the policy account conversion operation. Therefore, the phenomenon that the user performs policy account conversion due to error operation can be reduced, and the method is more humanized.
In one embodiment, the determining whether the remaining resource amount of the account meets the preset policy roll-out requirement comprises: acquiring the management fee of the transferred insurance policy according to the transferred insurance policy data; when the account residual resource amount is larger than or equal to the management time of the transferred-out policy, judging that the account residual resource amount meets the preset policy transfer-out requirement; otherwise, judging that the residual resource amount of the account does not meet the preset policy transfer-out requirement, and terminating the policy account conversion operation.
Each policy can charge a certain proportion of management fee every year, and can charge a certain commission fee for making a reduction or a refund, and has no account conversion function, so that a customer wants to transfer the resource of one policy into another policy, only can take the reduction or the refund (deduction of renewal fee), and after returning the resource to the account of the customer through a bank, another policy is re-purchased, so that the time and the resource are wasted, the account conversion can realize the real-time transfer-out of the account amount of the policy, after transferring out the policy, if the residual resource amount of the account is greater than the current year management fee, the residual resource amount of the account is judged to meet the preset policy transfer-out requirement, so that the original policy account can be reserved, and then the renewal payment, the share buying and the investment can be directly selected, and the material is not required again, so that the policy is saved and the time for waiting for the policy to take effect is saved.
In one embodiment, before updating the account master profile information of the transfer-out policy according to the transfer-out resource amount and updating the account master profile information of the transfer-in policy according to the transfer-in resource amount, the method further comprises: and checking the transferred resource amount, the transferred resource amount and the account residual resource amount.
In specific implementation, before the policy account conversion operation is performed, whether the transferring-out resource amount and the transferring-in resource amount of the transferred-out policy are accurate or not can be checked, the residual resource amount of the transferred-out policy in the account with the transferring-out resource amount deducted is checked, and whether the residual resource amount of the transferred-in policy in the account after the transferring-in resource amount is accurate or not is checked, if the residual resource amount is accurate, the steps of updating the account master file information of the transferred-out policy according to the transferring-out resource amount and updating the account master file information of the transferred-in policy according to the transferring-in resource amount are performed, so that the accuracy of the operation is ensured.
In one embodiment, after updating the account master profile information of the transfer-out policy according to the transfer-out resource amount and updating the account master profile information of the transfer-in policy according to the transfer-in resource amount, the method further comprises:
and updating the preset policy account conversion list according to the transfer-out policy data, the transfer-out resource amount, the transfer-in policy data and the transfer-in resource amount.
In specific implementation, after the policy account conversion operation is completed, the transferred-out policy data including the transferred-out policy number, the transferred-out policy type and the like and the resource amount are transferred out, and the transferred-in policy data including the transferred-in policy number, the transferred-in policy type and the transferred-in resource amount are recorded to a preset policy account conversion list, so that the policy conversion data can be managed conveniently, and the data can be filed and traced.
For clarity of description of the policy data updating method provided in the present application, the following description is made with reference to another application example, wherein the transfer-out policy is still exemplified by a dividend policy, and the transfer-in policy selected by the user is exemplified by an investment link policy:
the user who opens the account service logs in the policy data management system on the user terminal to perform policy account conversion operation, selects the transferred policy as the dividend policy, clicks the conversion button, sends a policy account conversion request carrying the dividend policy number to the server, receives the policy account conversion request carrying the transferred dividend policy data sent by the user terminal, then searches the associated policy data associated with the dividend policy data according to the association relationship between the dividend policy data and the preset multiple policies, and pushes the associated policy data to the user terminal. Then, receiving a transfer-in policy corresponding to the associated policy data, such as a continuous policy, fed back by the user terminal 102, such as a cash-in policy, a conversion mode, such as a fund-based conversion, wherein the conversion amount is 100 yuan, acquiring the latest selling offer and the initial account share of the red-separating policy and the latest buying price of the continuous policy based on the conversion amount and the conversion mode, and acquiring the cash value of the red-separating policy as 200 yuan according to the latest selling offer of the red-separating policy as 2 yuan and the initial account share as 100 yuan, wherein the conversion amount is 100 yuan, and the transferred unit investment number, namely the share of the red-separating policy is 50 shares half of the initial share; and acquiring the latest purchase price of the connection insurance policy, and if the latest purchase price is 4 yuan and the conversion amount is 100 yuan, obtaining 25 shares of the transfer share. In addition, the remaining share of the balance of the primary account of the bonus insurance policy after deducting 50 shares of the roll-out share is 50 shares, and the cash value of the remaining account is 100 yuan; and updating the account master file information of the dividend policy to include the account balance according to the transfer-out share of the dividend policy, and updating the account master file information of the investment security to include the account balance according to the transfer-in share of the investment security, thereby completing the account conversion of the policy.
It should be understood that, although the steps in the flowcharts related to the above embodiments are shown in sequence as indicated by the arrows, the steps are not necessarily executed in sequence as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least a part of the steps in each flowchart related to the above embodiments may include multiple steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of performing the steps or stages is not necessarily sequential, but may be performed alternately or alternately with other steps or at least a part of the steps or stages in other steps.
In one embodiment, as shown in fig. 5, there is provided a policy data updating apparatus including: a request receiving module 510, a transfer-in policy pushing module 520, a conversion amount determining module 530 and a policy account converting module 540, wherein:
the request receiving module 510 is configured to receive a policy account conversion request sent by a user terminal, where the policy account conversion request carries transfer-out policy data.
The transfer-in policy pushing module 520 is configured to search the associated policy data of the transfer-out policy data according to the correlation between the transfer-out policy data and the preset multiple policies, and push the associated policy data to the user terminal.
And a conversion amount determining module 530, configured to receive the transfer-in policy, the conversion resource amount, and the conversion mode corresponding to the associated policy data, which are fed back by the user terminal, and obtain the transfer-out resource amount of the transfer-out policy and the transfer-in resource amount of the transfer-in policy based on the conversion resource amount and the conversion mode.
And the policy account conversion module 540 is configured to update the account information of the transfer-out policy according to the transfer-out resource amount, and update the account information of the transfer-in policy according to the transfer-in resource amount.
In one embodiment, the conversion amount determination module 530 is further configured to obtain the latest resource transfer-out parameter and the remaining resource amount of the primary account of the transferred-out policy, and the latest resource transfer-in parameter of the transferred-in policy; obtaining value information of the transferred insurance policy according to the latest resource transfer parameter of the transferred insurance policy and the residual resource amount of the primary account; determining the transfer-out resource amount of the transferred-out insurance policy according to the value information, the conversion mode and the conversion amount of the transferred-out insurance policy; and determining the transfer-in resource amount of the transfer-in policy according to the conversion resource amount and the latest resource transfer-in parameter of the transfer-in policy.
As shown in fig. 6, in an embodiment, the apparatus further includes a conversion confirmation module 532, configured to push conversion confirmation interface configuration data carrying the amount of the transferred-in resource and the amount of the transferred-out resource to the user terminal; and receiving a confirmation conversion message fed back by the user terminal, and judging whether the account residual resource amount meets the preset policy transfer-out requirement.
In one embodiment, the conversion amount determination module 530 is further configured to obtain the account remaining resource amount of the transfer-out policy according to the primary account remaining resource amount of the transfer-out policy and the transfer-out resource amount; the policy account conversion module 540 is further configured to update the account information of the transferred-out policy according to the amount of the transferred-out resource and update the account information of the transferred-in policy according to the amount of the transferred-in resource when the remaining resource amount of the account of the transferred-out policy meets the preset policy transfer-out requirement
In one embodiment, the apparatus further comprises an account remaining resource amount auditing module 534 for obtaining a management fee of the transfer-out policy according to the transfer-out policy data; when the account residual resource amount is larger than or equal to the management time of the transferred-out policy, judging that the account residual resource amount meets the preset policy transfer-out requirement; otherwise, judging that the residual resource amount of the account does not meet the preset policy transfer-out requirement, and terminating the policy account conversion operation.
In one embodiment, the apparatus further comprises a money amount check module 536 for checking the amount of transferred resource, and the amount of remaining resources in the account.
In one embodiment, the apparatus further comprises a policy account data management module 550 for updating the predetermined policy account conversion schedule according to the transfer-out policy data, the transfer-out resource amount, the transfer-in policy data and the transfer-in resource amount.
For specific examples of the policy data updating apparatus, reference may be made to the above embodiments of the policy data updating method, which are not described herein again. The various modules in the above-described policy data update apparatus may be implemented in whole or in part by software, hardware, and combinations thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.
In one embodiment, a computer device is provided, which may be a server, the internal structure of which may be as shown in fig. 7. The computer device includes a processor, a memory, and a network interface connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer device is used for storing associated policy data, interface configuration data and the like. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a policy data update method.
Those skilled in the art will appreciate that the architecture shown in fig. 7 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
In one embodiment, a computer device is provided, comprising a memory and a processor, wherein the memory stores a computer program, and the processor implements the steps of the policy data updating method when executing the computer program.
In one embodiment, a computer readable storage medium is provided, having stored thereon a computer program which, when executed by a processor, performs the steps in the policy data updating method described above.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database or other medium used in the embodiments provided herein can include at least one of non-volatile and volatile memory. Non-volatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical storage, or the like. Volatile Memory can include Random Access Memory (RAM) or external cache Memory. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM), among others.
The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.
Claims (10)
1. A policy data update method, the method comprising:
receiving a policy account conversion request sent by a user terminal, wherein the policy account conversion request carries transfer-out policy data;
according to the correlation relation between the transferred-out policy account data and a preset multi-policy, searching the correlation policy data of the transferred-out policy data and pushing the correlation policy data to the user terminal;
receiving a transfer-in policy, a conversion resource amount and a conversion mode corresponding to the associated policy data, which are fed back by the user terminal, and obtaining a transfer-out resource amount of the transfer-out policy and a transfer-in resource amount of the transfer-in policy based on the conversion resource amount and the conversion mode;
and updating the account information of the transfer-out policy according to the transfer-out resource amount and updating the account information of the transfer-in policy according to the transfer-in resource amount.
2. The policy data updating method according to claim 1, wherein the obtaining of the transfer-out resource amount of the transfer-out policy and the transfer-in resource amount of the transfer-in policy based on the conversion resource amount and the conversion manner comprises:
acquiring the latest resource transfer-out parameter and the residual resource amount of the primary account of the transferred-out policy and the latest resource transfer-in parameter of the transferred-in policy;
obtaining value information of the transferred insurance policy according to the latest resource transfer parameter of the transferred insurance policy and the residual resource amount of the primary account;
determining the transfer-out resource amount of the transfer-out insurance policy according to the value information of the transfer-out insurance policy, the conversion mode and the conversion amount;
and determining the switched-in resource amount of the switched-in insurance policy according to the converted resource amount and the latest resource switched-in parameter of the switched-in insurance policy.
3. The policy data updating method according to claim 2, wherein after obtaining the export resource amount of the export policy and the import resource amount of the import policy based on the conversion resource amount and the conversion manner, the method further comprises:
obtaining the account residual resource amount of the transfer-out policy according to the initial account residual resource amount of the transfer-out policy and the transfer-out resource amount;
the updating the account information of the transfer-out policy according to the transfer-out resource amount and the updating the account information of the transfer-in policy according to the transfer-in resource amount comprises the following steps:
and when the residual resource amount of the account of the transferred-out policy meets the preset policy transfer-out requirement, updating the account information of the transferred-out policy according to the transfer-out resource amount and updating the account information of the transferred-in policy according to the transferred-in resource amount.
4. The policy data updating method according to claim 1, wherein before updating the account information of the transfer-out policy according to the transfer-out resource amount and the account information of the transfer-in policy according to the transfer-in resource amount, further comprising:
pushing the configuration data of the conversion confirmation interface carrying the amount of the transferred-in resource and the amount of the transferred-out resource to the user terminal;
and receiving a confirmation conversion message fed back by the user terminal, and judging whether the account residual resource amount of the transferred-out policy meets the preset policy transfer-out requirement.
5. The policy data updating method according to claim 4, wherein said determining whether the remaining resource amount of the account of the transferred-out policy meets a preset policy transfer-out requirement comprises:
acquiring the management fee of the transferred insurance policy according to the transferred insurance policy data;
when the account residual resource amount of the transfer-out policy is larger than or equal to the management time of the transfer-out policy, judging that the account residual resource amount of the transfer-out policy meets the preset policy transfer-out requirement; otherwise, judging that the account residual resource amount of the transferred-out policy does not meet the preset policy transfer-out requirement, and terminating the policy account conversion.
6. The policy data updating method according to any one of claims 1 to 5, wherein after updating the account master profile information of the transfer-out policy according to the transfer-out resource amount and updating the account master profile information of the transfer-in policy according to the transfer-in resource amount, further comprising:
and updating a preset policy account conversion list according to the transfer-out policy data, the transfer-out resource amount, the transfer-in policy data and the transfer-in resource amount.
7. The policy data updating method according to any one of claims 1 to 5, wherein the conversion means comprises resource amount conversion, proportion conversion or unit number conversion.
8. An apparatus for policy data update, the apparatus comprising:
the system comprises a request receiving module, a transfer module and a transfer module, wherein the request receiving module is used for receiving a policy account conversion request sent by a user terminal, and the policy account conversion request carries transfer-out policy data;
the transfer-in policy pushing module is used for searching the associated policy data of the transfer-out policy data according to the correlation relation between the transfer-out policy data and a preset multi-policy and pushing the associated policy data to the user terminal;
a conversion amount determining module, configured to receive a transfer-in policy, a conversion resource amount, and a conversion manner corresponding to the associated policy data, which are fed back by the user terminal, and obtain a transfer-out resource amount of the transfer-out policy and a transfer-in resource amount of the transfer-in policy based on the conversion resource amount and the conversion manner;
and the policy account conversion module is used for updating the account information of the transfer-out policy according to the transfer-out resource amount and updating the account information of the transfer-in policy according to the transfer-in resource amount.
9. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor, when executing the computer program, implements the steps of the method of any of claims 1 to 7.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110874843.4A CN113487309A (en) | 2021-07-30 | 2021-07-30 | Policy data updating method and device, computer equipment and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110874843.4A CN113487309A (en) | 2021-07-30 | 2021-07-30 | Policy data updating method and device, computer equipment and storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN113487309A true CN113487309A (en) | 2021-10-08 |
Family
ID=77944945
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202110874843.4A Pending CN113487309A (en) | 2021-07-30 | 2021-07-30 | Policy data updating method and device, computer equipment and storage medium |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN113487309A (en) |
Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CA2900873A1 (en) * | 2014-08-19 | 2016-02-19 | Weeeteeoo Inc. | System and method for enabling and/or managing contributions |
| CN107240021A (en) * | 2016-03-28 | 2017-10-10 | 平安科技（深圳）有限公司 | insurance information conversion method and device |
| CN107833140A (en) * | 2017-07-28 | 2018-03-23 | 平安科技（深圳）有限公司 | fund conversion method, device, terminal and storage medium |
| CN109285070A (en) * | 2018-08-22 | 2019-01-29 | 平安科技（深圳）有限公司 | Hold position method of adjustment and device, storage medium, the computer equipment of fund |
| CN111340468A (en) * | 2020-02-26 | 2020-06-26 | 腾讯科技（深圳）有限公司 | Resource data processing method and device, computer equipment and storage medium |
| CN111582849A (en) * | 2020-03-30 | 2020-08-25 | 苏宁金融科技(南京)有限公司 | Resource conversion method, device, storage medium and computer equipment |
| CN112634036A (en) * | 2020-12-11 | 2021-04-09 | 上古链(北京)教育科技有限公司 | Method and system for converting general certificate into stock of listed company |
-
2021
- 2021-07-30 CN CN202110874843.4A patent/CN113487309A/en active Pending
Patent Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CA2900873A1 (en) * | 2014-08-19 | 2016-02-19 | Weeeteeoo Inc. | System and method for enabling and/or managing contributions |
| CN107240021A (en) * | 2016-03-28 | 2017-10-10 | 平安科技（深圳）有限公司 | insurance information conversion method and device |
| CN107833140A (en) * | 2017-07-28 | 2018-03-23 | 平安科技（深圳）有限公司 | fund conversion method, device, terminal and storage medium |
| CN109285070A (en) * | 2018-08-22 | 2019-01-29 | 平安科技（深圳）有限公司 | Hold position method of adjustment and device, storage medium, the computer equipment of fund |
| CN111340468A (en) * | 2020-02-26 | 2020-06-26 | 腾讯科技（深圳）有限公司 | Resource data processing method and device, computer equipment and storage medium |
| CN111582849A (en) * | 2020-03-30 | 2020-08-25 | 苏宁金融科技(南京)有限公司 | Resource conversion method, device, storage medium and computer equipment |
| CN112634036A (en) * | 2020-12-11 | 2021-04-09 | 上古链(北京)教育科技有限公司 | Method and system for converting general certificate into stock of listed company |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN110175913B (en) | Data processing system, method, computing device and storage medium based on block chain | |
| CN110232565B (en) | Resource clearing method, device, computer equipment and storage medium | |
| CN109285069B (en) | Resource transfer method, device and server | |
| CN109711989A (en) | Refund transaction data processing method, device, computer equipment and storage medium | |
| CN109472574A (en) | Method of payment, device, computer equipment and storage medium | |
| CN109461045A (en) | Order method of payment, system, computer equipment and storage medium | |
| CN111833179A (en) | Resource allocation platform, resource allocation method and device | |
| CN110135702A (en) | Appraisal procedure, device, system and recording medium are actively spent in a kind of refund of real-time update | |
| CA3143827A1 (en) | Fund data processing method, apparatus, computer device and storage medium | |
| KR20200093953A (en) | System and method of financial instruments auction | |
| CN112612624A (en) | Data interaction method and device between systems, computer equipment and storage medium | |
| KR101899200B1 (en) | Method for finance technology service for subscription money loan for buying stocks in public offering and apparatus thereof | |
| KR101899217B1 (en) | Method for finance technology service for deposit money loan of stock allocated and apparatus thereof | |
| US20220180436A1 (en) | Resource conversion data processing method and apparatus, computer device, and storage medium | |
| CN113487309A (en) | Policy data updating method and device, computer equipment and storage medium | |
| CN110009483A (en) | A kind of data processing method and device based on temporal information | |
| CN109670812A (en) | Method of payment, device, terminal and storage medium | |
| US20230044461A1 (en) | Fully Collateralized Stablecoins that Pay a Fixed Rate of Interest | |
| CN114282921A (en) | Prepaid card processing method, apparatus, computer device, and storage medium | |
| JP6058620B2 (en) | Loan transaction automatic execution system and method | |
| US11593743B2 (en) | Risk management system interface | |
| CN113095814A (en) | Multi-channel combined payment method and device | |
| CN113034183A (en) | Pricing processing method and device, electronic equipment and storage medium | |
| CN111415263A (en) | Data matching method and device | |
| CN111061573A (en) | Resource transfer method, device, electronic equipment and storage medium |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20211008 |