CN114170032B - Insurance product online method and device, electronic equipment and storage medium - Google Patents
Insurance product online method and device, electronic equipment and storage medium Download PDFInfo
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- CN114170032B CN114170032B CN202210127739.3A CN202210127739A CN114170032B CN 114170032 B CN114170032 B CN 114170032B CN 202210127739 A CN202210127739 A CN 202210127739A CN 114170032 B CN114170032 B CN 114170032B
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Abstract
The application provides an online method and device of an insurance product, electronic equipment and a storage medium, and relates to the technical field of internet insurance, wherein the method comprises the following steps: acquiring a target insurance product; carrying out system basic configuration processing on the target insurance product through the standard field and the standard code value to obtain the target insurance product after the system basic configuration; receiving the requirement of a user on a target insurance product, and performing standard product configuration processing on the target insurance product subjected to system basic configuration to obtain the target insurance product subjected to standard product configuration; and carrying out product online processing on the target insurance product after the standard product is configured to obtain the target insurance product in the selling process. The method is applied to a scene of developing the target insurance product, system basic configuration and standard product configuration processing are carried out on the target insurance product, the target insurance product can be quickly brought online when information configuration of the target insurance product is completed, configuration is realized, namely the target insurance product is brought online, and the technical problem that the target insurance product is long in online period is solved.
Description
Technical Field
The present application relates to the field of internet insurance technologies, and in particular, to an online method and apparatus for an insurance product, an electronic device, and a storage medium.
Background
With the rapid development of internet technology and information technology, internet insurance has gradually become a main channel of insurance enterprises. No matter the traditional insurance company or the insurance intermediary organization faces the rise of internet insurance, the traditional insurance company or the insurance intermediary organization is developed on line by relying on science and technology. Therefore, the speed of online internet insurance products determines the prospect of an insurance agency developing in the field of internet insurance.
In the prior art, the development process of the internet insurance product is executed in series according to the following steps: the demand analysis/product manager posts communicate with the demand proposing department, and the prototype and demand description document compiling is completed based on the communication result; UI personnel, front-end and back-end developers design product pages, develop interaction, and develop product functions and interfaces according to the prototype and the requirement specification; carrying out product integration test by technical test personnel; the business department performs a business acceptance test on the product; after the acceptance is passed, the system is submitted to issue an application, and the operation and maintenance and the development personnel cooperate to complete the issue and the on-line of the whole product.
However, according to the development process of the existing internet insurance products, the average period from the demand analysis to the online of one internet insurance product reaches 3 weeks to 2 months, and the technical problem of long online period of the internet insurance product exists.
Disclosure of Invention
In order to overcome the problems in the related art, the application provides an online method and device of an insurance product, electronic equipment and a storage medium.
According to a first aspect of the present application, there is provided a method of bringing an insurance product online, the method including the steps of:
acquiring a target insurance product;
carrying out system basic configuration processing on the target insurance product through a standard field and a standard code value to obtain the target insurance product after system basic configuration;
receiving the requirement of a user on the target insurance product, and performing standard product configuration processing on the target insurance product after the system basic configuration to obtain the target insurance product after the standard product configuration;
and carrying out product on-line processing on the target insurance product after the standard product is configured to obtain the target insurance product in the selling process.
Optionally, the performing, by the standard field and the standard code value, system basic configuration processing on the target insurance product to obtain the target insurance product after system basic configuration includes:
when a standard field instruction is received, carrying out configuration processing on a configuration field corresponding to the target insurance product to obtain a corresponding standard field;
and when a standard code value instruction is received, configuring the standard field to obtain a corresponding standard code value.
Optionally, when the demand of the user for the target insurance product is an insurance policy, the accepting the demand of the user for the target insurance product, and performing standard product configuration processing on the target insurance product after the system basic configuration to obtain the target insurance product after the standard product configuration includes:
obtaining a rule field library corpus, wherein the rule field library corpus comprises: a rule object field library, an insurance common rule field library and an extension rule field library;
and carrying out visual configuration of the insurance rules on the rule field library complete set through a rule engine tool to obtain an insurance rule result corresponding to the target insurance product.
Optionally, when the demand of the user for the target insurance product is a premium calculation mode, the receiving the demand of the user for the target insurance product, and performing standard product configuration processing on the target insurance product after the system basic configuration to obtain the target insurance product after the standard product configuration includes:
and under the condition that the premium calculation mode is the first calculation mode, carrying out interface configuration on trial calculation factors and the multi-factor relation by calling a service interface of the user to obtain a premium calculation result.
Optionally, when the demand of the user for the target insurance product is a premium calculation mode, the receiving the demand of the user for the target insurance product, and performing standard product configuration processing on the target insurance product after the system basic configuration to obtain the target insurance product after the standard product configuration, further includes:
and under the condition that the premium calculation mode is the second calculation mode, carrying out interface configuration on the trial calculation factor, the multi-factor relation, the basic rate, the premium calculation formula and the wind control pricing strategy to obtain a premium calculation result.
Optionally, the step of performing product online processing on the target insurance product after the standard product is configured to obtain the target insurance product in the selling process includes:
when the guarantee requirement of the user on the target insurance product is received, performing product packaging treatment on the target insurance product after the standard product is configured to obtain a marketable target insurance product;
performing insurance application flow and page template setting on the target insurance product which can be sold to obtain a target insurance product which can be put in;
generating a test link corresponding to the target insurance product which can be released when the target insurance product which can be released is released to a terminal;
performing an insurance application test on the target insurance product capable of being released according to the test link to generate a test result corresponding to the target insurance product capable of being released;
and if the test result is passed, putting the target insurance products which can be put on shelf to obtain the target insurance products in the selling process.
Optionally, the performing an insurance application process and setting a page template on the marketable target insurance product to obtain the marketable target insurance product includes:
acquiring a general insurance process database and a page template database;
determining whether the general insurance application process database and the page template database have insurance application processes and page templates corresponding to the marketable target insurance products or not according to the marketable target insurance products;
if the insurance product does not exist, generating an insurance application flow and a page template corresponding to the target insurance product capable of being sold, and respectively storing the insurance application flow and the page template corresponding to the target insurance product capable of being sold into an insurance application flow database and a page template database;
and after the target insurance product which can be sold is determined, acquiring an insurance application flow and a page template corresponding to the target insurance product which can be sold from the insurance application flow database and the page template database, and generating the target insurance product which can be put according to the acquired insurance application flow and page template.
According to a second aspect of the present application, there is provided a line threading device for an insurance product, the device comprising:
the data acquisition module is used for acquiring a target insurance product;
the system basic configuration module is used for carrying out system basic configuration processing on the target insurance product through a standard field and a standard code value to obtain the target insurance product after system basic configuration;
the standard product configuration module is used for receiving the requirement of a user on the target insurance product, and performing standard product configuration processing on the target insurance product after the system basic configuration to obtain the target insurance product after the standard product configuration;
and the product on-line processing module is used for carrying out product on-line processing on the target insurance product after the standard product is configured to obtain the target insurance product in the selling process.
Optionally, the system infrastructure configuration module includes:
the standard field configuration submodule is used for configuring the configuration field corresponding to the target insurance product when a standard field instruction is received, so as to obtain the corresponding standard field;
and the standard code value configuration submodule is used for configuring the standard field to obtain a corresponding standard code value when a standard code value instruction is received.
Optionally, in a case that the demand of the user for the target insurance product is an insurance policy, the standard product configuration module includes:
the rule field library complete set acquisition sub-module is used for acquiring a rule field library complete set, wherein the rule field library complete set comprises: a rule object field library, an insurance common rule field library and an extension rule field library;
and the application rule configuration submodule is used for carrying out visual configuration on the application rule on the rule field library complete set through a rule engine tool to obtain an application rule result corresponding to the target insurance product.
Optionally, in a case that the demand of the user for the target insurance product is a premium calculation manner, the standard product configuration module includes:
and the first calculation sub-module is used for carrying out interface configuration on the trial calculation factor and the multi-factor relation by calling the service interface of the user under the condition that the premium calculation mode is the first calculation mode so as to obtain a premium calculation result.
Optionally, in a case that the demand of the user for the target insurance product is a premium calculation method, the standard product configuration module further includes:
and the second calculation submodule is used for carrying out interface configuration on the trial calculation factor, the multi-factor relation, the basic rate, the premium calculation formula and the wind-controlled pricing strategy under the condition that the premium calculation mode is the second calculation mode to obtain a premium calculation result.
Optionally, the product online processing module includes:
the product packaging submodule is used for carrying out product packaging processing on the target insurance product configured by the standard product when the guarantee requirement of the user on the target insurance product is received, so that a marketable target insurance product is obtained;
the product insuring flow and page template setting sub-module is used for conducting insuring flow and page template setting on the target insurance product capable of being sold to obtain a target insurance product capable of being put in;
the product releasing sub-module is used for generating a test link corresponding to the target insurance product which can be released when the target insurance product which can be released is released to a terminal;
the product testing submodule is used for carrying out insurance application testing on the target insurance product which can be put in according to the testing link and generating a testing result corresponding to the target insurance product which can be put in;
and the product shelving module is used for shelving the target insurance product which can be put in under the condition that the test result is passed so as to obtain the target insurance product in the selling process.
Optionally, the product application process and page template setting sub-module includes:
the data acquisition unit is used for acquiring a general application process database and a page template database;
the data determining unit is used for determining whether the insurance process and the page template corresponding to the target salable insurance product exist in the general insurance process database and the page template database aiming at the target salable insurance product;
the data processing unit is used for generating an insurance application flow and a page template corresponding to the target insurance product which can be sold if the insurance application flow and the page template do not exist, and respectively storing the insurance application flow and the page template corresponding to the target insurance product which can be sold into an insurance application flow database and a page template database;
and the product releasing unit is used for acquiring an insurance application process and a page template corresponding to the marketable target insurance product from the insurance application process database and the page template database after the marketable target insurance product is determined, and generating the target insurance product which can be released according to the acquired insurance application process and page template.
According to a third aspect of the embodiments of the present disclosure, there is provided an electronic apparatus including:
a processor;
a memory for storing the processor-executable instructions;
wherein the processor is configured to execute the instructions to implement an on-line method of an insurance product according to the first aspect.
According to a fourth aspect of the present application, there is provided a computer storage medium having instructions which, when executed by a processor of an electronic device, enable the electronic device to perform the method of bringing an insurance product online according to the first aspect.
The technical scheme provided by the embodiment of the application can have the following beneficial effects:
the embodiment of the application can obtain a target insurance product; carrying out system basic configuration processing on the target insurance product through a standard field and a standard code value to obtain the target insurance product after system basic configuration; receiving the requirement of a user on the target insurance product, and performing standard product configuration processing on the target insurance product after the system basic configuration to obtain the target insurance product after the standard product configuration; and carrying out product online processing on the target insurance product configured by the standard product to obtain the target insurance product in the selling process. The method and the device can be used for carrying out system basic configuration and standard product configuration processing on the target insurance product, can be used for quickly carrying out online operation on the target insurance product when information configuration of the target insurance product is completed, realize configuration and online operation, and greatly shorten the period of online operation of the target insurance product.
The above description is only an overview of the technical solutions of the present application, and the present application may be implemented in accordance with the content of the description so as to make the technical means of the present application more clearly understood, and the detailed description of the present application will be given below in order to make the above and other objects, features, and advantages of the present application more clearly understood.
Drawings
Various other advantages and benefits will become apparent to those of ordinary skill in the art upon reading the following detailed description of the preferred embodiments. The drawings are only for purposes of illustrating the preferred embodiments and are not to be construed as limiting the application. Also, like reference numerals are used to refer to like parts throughout the drawings. In the drawings:
FIG. 1 is a flow chart illustrating an online method of an insurance product according to an exemplary embodiment;
FIG. 2 is a flow chart of step 102 of the flow chart of an online method of an insurance product shown in FIG. 1, according to an exemplary embodiment;
FIG. 3 is a flow chart of step 103 of the flow chart of a method of bringing an insurance product online shown in FIG. 1 according to an exemplary embodiment;
FIG. 4 is a flowchart illustrating step 104 of the online method of an insurance product shown in FIG. 1, according to an exemplary embodiment;
FIG. 5 is a flowchart illustrating a step 402 of the flowchart 104 of the online method of an insurance product shown in FIG. 4, according to an exemplary embodiment;
FIG. 6 is a block diagram illustrating an on-line mechanism for an insurance product, according to an exemplary embodiment;
FIG. 7 is a block diagram of a system base configuration module 602 in a block diagram of an on-line device of an insurance product shown in FIG. 6, according to an exemplary embodiment;
FIG. 8 is a block diagram of a system base configuration module 603 in the block diagram of an on-line device of an insurance product shown in FIG. 6, according to an exemplary embodiment;
FIG. 9 is a block diagram of a system base configuration module 604 in a block diagram of an on-line device of an insurance product shown in FIG. 6, according to an exemplary embodiment;
FIG. 10 is a block diagram of a product application flow and page template setting sub-module 902 of the block diagram of the system base configuration module 604 of the block diagram of the on-line apparatus of an insurance product shown in FIG. 9 according to an exemplary embodiment.
Detailed Description
Exemplary embodiments of the present application will be described in more detail below with reference to the accompanying drawings. While exemplary embodiments of the present application are shown in the drawings, it should be understood that the present application may be embodied in various forms and should not be limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
The terms first, second and the like in the description and in the claims of the present application are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It will be appreciated that the data so used may be interchanged under appropriate circumstances such that embodiments of the application may be practiced in sequences other than those illustrated or described herein, and that the terms "first," "second," and the like are generally used herein in a generic sense and do not limit the number of terms, e.g., the first term can be one or more than one. In addition, "and/or" in the specification and claims means at least one of connected objects, a character "/" generally means that a preceding and succeeding related objects are in an "or" relationship.
The method, the apparatus, the electronic device and the storage medium for online insurance products provided by the embodiments of the present application are described in detail below with reference to the accompanying drawings through specific embodiments and application scenarios thereof.
A first embodiment of the present application relates to a method for bringing an insurance product online, a flowchart of which is shown in fig. 1, and the method includes:
It should be noted that, in the embodiment of the present application, a target insurance product needs to be obtained in advance, and the target insurance product is an internet insurance product of different insurance companies.
In addition, new types of internet insurance products often differ in the scope of information gathered because of the difference in the type of target. Thus, the concept of a module can be introduced that will direct different subjects in internet insurance business, such as: the policyholder, insured person, beneficiary, target, etc. are defined as module types under which modules can be flexibly added, for example: the modules included under the applicant type are: applicant-natural person, applicant-enterprise, etc.; or expanding fields on the basis of the original module, specifically, the fields are divided into two types, namely basic fields (insurance business common fields) and expansion fields (insurance business non-common fields, which are usually used for expansion of special products) according to the business meanings of the fields. And the module is associated with the standard field for reference, and is mapped to the corresponding data table and the corresponding field according to the association relation. The specific mapping relationship is as follows: the method comprises the steps that each module corresponds to a table in a database one by one, basic fields in each module correspond to basic fields in a corresponding data table one by one, all extension fields in each module are mapped into 1 extension field in the corresponding data table, and a JSON field type (supporting a native JSON type after mysql 5.7 version) is used for storing, so that single field in JSON is more convenient to query and operate), and rapid extension of different types of internet insurance products is achieved.
Therefore, the internet insurance products that this application can support cover different insurance companies' all kinds of internet insurance products, and can support the extension of novel internet insurance product fast, has reached the comprehensive technological effect of support internet insurance product type.
And 102, performing system basic configuration processing on the target insurance product through the standard field and the standard code value to obtain the target insurance product after the system basic configuration.
It should be noted that, in the embodiment of the present application, the system basic configuration processing is performed on the target insurance product through the standard field and the standard code value, so that a foundation is laid for the subsequent internet insurance products of different insurance companies, that is, the standard product configuration of the target insurance product, and the reusability and efficiency of different internet insurance product configurations are improved.
Further, in the embodiment of the present application, fig. 2 is a flowchart of step 102 in the flowchart of an online method of an insurance product shown in fig. 1 according to an exemplary embodiment, and as shown in fig. 2, step 102 may include the following steps.
It should be noted that, in the embodiment of the present application, when a standard field instruction is received, a configuration field corresponding to a target insurance product is configured, so as to obtain a corresponding standard field. The method comprises the following specific steps: when a standard field instruction is received, for internet insurance products of different insurance companies, namely target insurance products, synonymous fields are only defined by 1 standard field, including but not limited to Chinese names, English names, types, standard using code values, field unified check rules and the like of the fields.
It should be noted that, in the embodiment of the present application, when a standard code value instruction is received, a standard field is configured to obtain a corresponding standard code value. The method specifically comprises the following steps: the standard code value supports 2 sets of unified standard code value and user standard code value, and only one standard code value is allowed to be adopted for the same field, namely either the system-defined unified standard code value or the user standard code value is adopted. For example, for: standard fields with code values such as gender, certificate type and the like capable of being standardized are strictly defined with unified standard code values, and the standard fields are set according to the unified standard code values when being configured; for example, for: and configuring standard fields such as professional codes and administrative region codes, which have huge code values and different code values of different insurance companies by adopting user standard code values.
It should be noted that, in the embodiment of the present application, upon receiving a user's demand for a target insurance product, the method includes, but is not limited to: the application rule and the premium calculation mode are used for carrying out standard product configuration processing on the target insurance product subjected to system basic configuration, so that core functions such as application rule analysis, premium calculation and the like in the application process of the target insurance product subjected to system basic configuration can be realized, and further, the technical effect of ensuring that the development and interaction of different target insurance products are executed according to a unified standard is achieved.
Further, in the embodiment of the present application, fig. 3 is a flowchart of step 103 in the flowchart of an online method of an insurance product shown in fig. 1 according to an exemplary embodiment, and as shown in fig. 3, in the case that the demand of the user for the target insurance product is an insurance policy, step 103 may include the following steps.
It should be noted that, in the embodiment of the present application, the rule field library complete set is firstly logically divided into three types: a rule object field library, an insurance common rule field library and an extension rule field library based on a target module. Wherein, the rule object field library refers to the object targeted by the rule, for example: different rules can be formulated according to different target insurance products, and different rules can be formulated according to different business scenes (such as insurance application, continuous insurance, security service and the like), and the objects belong to the category of the object field of the rules and are used for formulating the application range of the rules. The field library of the insurance common rules is a field library related to the extracted common application rules on the basis of the historical accumulation of the insurance industry by combining the company, for example: for life insurance products, insurance restrictions are usually made according to the ages of an applicant or a insured person and insurance areas, and fields of the applicant-natural person module, the insured person-natural person module, the applicant ages and the like are extracted as the contents of an insurance common rule field library. The field ranges in the extended rules field library are all field ranges from the subject module. As shown in step 101, the new internet insurance products usually have different insurance rules due to different targets, so fields in the target modules are incorporated into the field library of the extension rules to support flexible customization and extension of insurance rules of various new internet insurance products. The above 3 types of rule field libraries collectively form the rule field library corpus in the present application.
And 302, carrying out visual configuration of the application rule on the rule field library complete set through a rule engine tool to obtain an application rule result corresponding to the target insurance product.
It should be noted that, in the embodiment of the present application, by using the rule engine tool to perform visual configuration on the rule of the rule field library, multiple sets of output variables may be defined in the configuration process to support the rule execution output of different insurance product target scenarios (single target or multiple target). Wherein the output variables include: the whole rule execution prompt (the prompt is set only when the whole rule check fails, and the prompt is divided into 2 prompt output variables facing the inside operator and the user according to the difference between the professional knowledge and the use scene of the client and the inside operator), and the single object violates the rule prompt (the number of objects is greater than =2, and the current object violates the rule, the current object violates the condition setting, and the current object violates the rule, and the current object violates the condition setting, and is still divided into 2 output variables facing the inside and the outside).
Further, in this embodiment, in the case that the user's demand for the target insurance product is a premium calculation manner, the step 103 may include the following steps: and under the condition that the premium calculation mode is the first calculation mode, carrying out interface configuration on the trial calculation factor and the multi-factor relation by calling a service interface of the user to obtain a premium calculation result.
It should be noted that, in the embodiment of the present application, the manner of premium calculation generally includes two types, self-calculation and user calculation. And under the condition that the premium calculation mode is a first calculation mode, namely the user calculates, carrying out interface configuration on the trial calculation factor and the multi-factor relation by calling a service interface of the user so as to obtain a premium calculation result.
The method comprises the following steps of carrying out interface configuration on trial calculation factors, specifically: trial factors fall into two categories, basic factors and liability factors, the basic factors usually being related to insured, target or product related attributes, such as: insured life date, insured life, product insurance period, etc.), liability factors are associated with liability attributes such as: liability guarantee, liability exemption, etc.). Before the configuration of the trial factors, the rate hierarchy of the target insurance product needs to be confirmed first, for example: scheme level, risk category level, responsibility level, etc., depending on the rate level, will decide what type of trial factors need to be maintained, for example: only basic factors need to be configured for a scheme layer and a dangerous seed layer; and the responsibility layer needs to configure responsibility factors in addition to the basic factors. The configuration content of the trial calculation factor includes calculation elements in the premium calculation page, such as: the sex of the insured person, the liability insurance amount and the like, the types of each calculation element, such as the type of the input value, the type of the input date, the type of the single selection and the like, option values (for the elements of the single selection type, corresponding optional value ranges need to be configured, for example, the option values of the sex comprise male and female), insurance premium adjustment coefficients (the information is usually applied to financial products, and different insurance premium adjustment coefficients are set for different option values or option value range intervals so as to adjust the insurance premium for different insurance application conditions) and the like.
Performing interface configuration on the multi-factor relationship, specifically: the multi-factor relationship configuration is mainly used for supporting the rapid configuration of various relationships such as mutual exclusion (for example, when the responsibility A is applied, the responsibility B cannot be applied), dependence (the responsibility A must be applied, the responsibility B can be applied), collocation (the guarantee value of the responsibility A is 1 ten thousand, and the guarantee value in the responsibility B can be collocated 1000 yuan) and the like among trial-calculation factors which are frequently appeared in the actual insurance business, so that a subsequent application page can automatically analyze the rule to complete the dynamic interaction among front-end calculation elements.
Further, in this embodiment of the application, in the case that the demand of the user for the target insurance product is a premium calculation mode, the step 103 may further include the following steps: and under the condition that the premium calculation mode is the second calculation mode, carrying out interface configuration on the trial calculation factor, the multi-factor relation, the basic rate, the premium calculation formula and the wind control pricing strategy to obtain a premium calculation result.
It should be noted that, in the embodiment of the present application, the manner of premium calculation generally includes two types, self-calculation and user calculation. And under the condition that the premium calculation mode is a second calculation mode, namely self-calculation, configuring trial calculation factors, multi-factor relations, basic rates, premium calculation formulas and a wind-controlled pricing strategy to obtain a premium calculation result. The discussion of the configuration of the trial calculation factor and the multi-factor relation is the same as the discussion of the step of obtaining the premium calculation result by calling the service interface of the user to carry out interface configuration on the trial calculation factor and the multi-factor relation under the condition that the premium calculation mode is the first calculation mode.
The interface configuration is carried out on the basic rate, and specifically comprises the following steps: the base rate is usually established by the user and is the basis for premium calculations. The base rate is related to the rate tier, if the current product rate tier = the layer of responsibility, then its base rate is maintained for each responsibility under the targeted insurance product, for example: rate tier = risk tier, maintenance of the base rate is performed based on the various risk categories under the target insurance product. Meanwhile, the method supports to select part or all of the maintained trial-calculation factors as rate factors to participate in maintenance of the basic rate, such as: for long-term life insurance products with a rate tier of insurance layers, maintenance of the base rate typically includes: the maintenance of field information of dangerous kind, insured person age, insured person sex, insurance period, payment period, basic premium and basic premium, wherein the insured person age, insured person sex, insurance period and payment period all belong to basic factors.
Carrying out interface configuration on the premium calculation formula, which specifically comprises the following steps: when the premium calculation mode is the second calculation mode, namely self-calculation, the interface configuration is required. Automatically converting the configured trial calculation factors and the basic rate data into related calculation elements in a premium calculation formula, such as: the sex of the insured person, the insured person number premium adjustment factor, the A risk base premium, and the operator, for example: +, -,/etc., and premium item calculation rules, such as: rounding off, rounding up and the like are introduced, and visual configuration of calculation formulas for dragging and configuring premium of corresponding rate levels and total premium of various calculation elements is supported. And because the trial calculation factor in the application can be freely defined and the defined trial calculation factor is automatically transferred to the premium calculation element, the aim of rapidly supporting the configuration of the premium calculation formula of the novel product can be achieved.
Carrying out interface configuration on the wind control pricing strategy, specifically comprising the following steps: the premium calculation mode is the second calculation mode, namely, the interface configuration is required when the premium calculation mode is self-calculated. The wind control pricing strategy of the user is generally applied to the financial insurance industry, and can be used for charging different personnel conditions, such as ages, occupation categories and the like, in different regions, different industries and enterprises according to different risk conditions.
In addition, the present application can dynamically implement a mechanism for real-time computation according to interface configuration related to premium computation, specifically: the application process end dynamically acquires trial calculation factors, multi-factor relations, basic rates, premium calculation formulas and wind control pricing strategies in premium calculation configuration to act on front-end display and interaction, after the value of the trial calculation factors is input or selected, the basic rates, the premium calculation formulas and the wind control pricing strategies are submitted to the rear end, and the rear end sends the acquired target insurance product information, the basic rates, the premium calculation formulas and the wind control pricing strategies to a calculation engine, so that the calculation and feedback of the premium can be completed in real time.
And 104, performing product online processing on the target insurance product after the standard product is configured to obtain the target insurance product in the selling process.
Further, in the embodiment of the present application, fig. 4 is a flowchart of step 104 in the flowchart of an online method of an insurance product shown in fig. 1 according to an exemplary embodiment, and as shown in fig. 4, step 104 may include the following steps.
It should be noted that, in the embodiment of the present application, there are often different guarantee requirements for the target insurance product due to the users, i.e. different enterprises or individuals in the insurance market, for example: therefore, product packaging treatment needs to be carried out on the basis of the target insurance product configured by the standard product to form a final selling product which can be sold externally, namely the target insurance product which can be sold, and further the technical effect of supporting various market segment requirements can be achieved.
And 402, performing insurance application flow and page template setting on the target insurance product capable of being sold to obtain the target insurance product capable of being put in.
It should be noted that, in the embodiment of the present application, reference may be made to step 501 and step 504 for detailed description of step 402, which is not described herein again.
And 404, performing an insurance test on the target insurance product capable of being released according to the test link, and generating a test result corresponding to the target insurance product capable of being released.
And 405, under the condition that the test result is passed, putting the target insurance product which can be put on shelf to obtain the target insurance product in the sale process.
It should be noted that, in this embodiment of the application, after the insurance application process and the page template of step 402 are completed by the sales product, that is, after the insurance application page template is set, the obtained target insurance product that can be delivered to the terminal, and meanwhile, a test link of the target insurance product that can be delivered at the corresponding terminal can be generated in real time, the insurance application test of the target insurance product that can be delivered can be performed on line through the test link, and after the test is completed, a corresponding test result can be obtained. In the case that the test result is not passed, the previous steps can be executed again, and the information related to the target insurance product is modified, so that the process is circulated until the test result is passed; and under the condition that the test result is passed, the target insurance product which can be put in can be put on shelf to obtain the target insurance product in the selling process. Since the time of sale of a targeted insurance product is typically limited by the time of arrival provided by the user, the present application supports both specified time and immediate arrival.
In addition, the target insurance product can be upgraded and updated in the following two scenes. 1. Upgrading the target insurance product in the selling process (the existing target insurance product can be upgraded after being sold to a certain time point): allowing the target insurance product to modify the configured target insurance product of the standard product, the target insurance product in the sale process, the insurance application process, the page template and other related information contents in the sale state, generating a temporary version of the target insurance product in the sale process after modification, supporting the temporary version to release and test again, selecting to put on the shelf or put on the shelf immediately at the appointed time when the test result is passed, automatically putting off the version of the target insurance product in the sale process, and putting on the temporary version of the target insurance product in the sale process; 2. upgrade after target insurance product is off-shelf (existing product must be off-shelf immediately and re-on-shelf after upgrade): the method comprises the steps of firstly taking off the shelf of a target insurance product in the current selling process, then finishing configuration updating of relevant information of the target insurance product, putting and testing the updated original target insurance product again, and putting on the shelf again aiming at the updated original target insurance product when the test result is passed, wherein the putting on the shelf still supports the putting on the shelf at a specified time or immediately.
In addition, the product can be placed on the shelf or stopped selling aiming at the target insurance product in the selling process, wherein the product is usually placed on the shelf temporarily due to the upgrading reason of the relevant information of the product, and the product can be placed on the shelf again for selling after the upgrading of the product is finished; and the product is stopped selling, which means that the product completely exits the internet insurance product market and cannot be sold in the subsequent process. The off-shelf or sale of products is often for several reasons: 1. insurance company terms are placed or sold, i.e., the terms layer supported by the present application, wherein the specified time and immediate placement or sale is also supported. Meanwhile, when the clause layer is put on shelf or sold down, all insurance products of the user who quotes the clause and the insurance products in the process of sale need to be put on shelf or sold down, and meanwhile, the user products in the configuration can not continue to use the clause layer to perform subsequent configuration and other operations; 2. the insurance products of the insurance company are placed or sold off the shelf, namely, the product of the supplier is placed/sold off the shelf in the invention, and the product is placed/sold off the shelf at the designated time and immediately placed/sold off the shelf. Meanwhile, when a supplier product is put on the shelf or stopped selling, all the sales products of the quoted product need to be put on the shelf or stopped selling, and meanwhile, the sales products in the configuration can not be continuously used for subsequent configuration and other operations; 3. the selling end needs to put down or stop selling the insurance products in the selling process according to the market change, namely, the selling end supports the putting down or stopping selling of the target insurance products in the selling process, wherein the putting down or stopping selling at the appointed time and the immediate putting down or stopping selling are also supported. When the insurance products are off-shelf or off-sale under the 3 conditions, the insurance products are timely notified to the sales terminal, the corresponding insurance products are shielded at the sales terminal, and meanwhile, insurance policy putting on the way can also be timely interrupted for reminding.
Further, in the embodiment of the present application, fig. 5 is a flowchart of step 402 in the flowchart of step 104 in the flowchart of the online method of an insurance product shown in fig. 4 according to an exemplary embodiment, and as shown in fig. 5, step 402 may include the following steps.
It should be noted that, in the embodiment of the present application, since there are various types of insurance products, regardless of any type of insurance product, the links in the application process basically include: premium calculation, insurance rule checking, insurance checking, payment, insurance underwriting and the like. Therefore, the universal application process database and the page template database are arranged in the application, and the technical effect of reducing the labor cost is achieved.
Firstly, a preset general insurance application flow database and a preset page template database are required to be obtained, and whether insurance application flows and page templates corresponding to marketable target insurance products exist in the general insurance application flow database and the page template database or not is judged. If the target insurance product which can be sold is suitable for the insurance process and the page template in the general insurance process database, directly obtaining the insurance process and the page template corresponding to the target insurance product which can be sold from the general insurance process database and the page template database; if the target insurance product which can be sold is not suitable for the insuring process and the page template in the general insuring process database, the insuring process and the page template which correspond to the target insurance product which can be sold can be generated, and the insuring process and the page template which correspond to the target insurance product which can be sold are respectively stored in the insuring process database and the page template database for the reapplication of other subsequent insurance products. And generating a target insurance product which can be delivered according to the acquired insurable flow and the page template.
The embodiment of the application provides an online method of an insurance product, which comprises the following steps: acquiring a target insurance product; carrying out system basic configuration processing on the target insurance product through a standard field and a standard code value to obtain the target insurance product after system basic configuration; receiving the requirement of a user on the target insurance product, and performing standard product configuration processing on the target insurance product after the system basic configuration to obtain the target insurance product after the standard product configuration; and carrying out product on-line processing on the target insurance product after the standard product is configured to obtain the target insurance product in the selling process. According to the method and the system, system basic configuration and standard product configuration processing are carried out on the target insurance product, the target insurance product can be quickly on-line when information configuration of the target insurance product is completed, configuration and on-line are achieved, and the technical problem that the target insurance product is long in on-line period is solved; secondly, the system basic configuration is carried out on the target insurance products based on the standard fields and the standard code values, different target insurance products are realized, the unified standard fields and the unified standard code values are adopted, and the reusability and the efficiency of the configuration of the different target insurance products are improved; thirdly, the application configures the application rules through a rule engine tool, so that the technical effect of flexibly configuring the application rules of the target insurance products is achieved; in addition, interface configuration is carried out on trial calculation, factors, multi-factor relations, basic rates, premium calculation formulas and wind control pricing strategies in the premium calculation process of the target insurance product, so that the filling of related product information is carried out by operators according to the configured steps without participation of any demand personnel and product developers, the waste of research and development and test labor cost caused by program development required by the rate and premium calculation of each insurance product in the existing insurance product mode is avoided, and the labor cost is greatly reduced; in addition, according to the method and the device, product packaging processing can be performed on the target insurance product after the standard product is configured according to the guarantee requirement of the user on the target insurance product, so that the purpose of rapidly packaging differentiated products aiming at the characteristics of different industries, regions, crowds and the like on the basis of the target insurance product after the standard product is configured is achieved, and the technical purpose of meeting the requirements of various market segments is further achieved; finally, the application determines the insurance application process and the page template corresponding to the marketable target insurance product through the preset general insurance application process database and the preset page template database, so that the differentiated setting of the insurance application process and the page template corresponding to the marketable target insurance product is realized, and the labor cost on the configuration of the insurance application process and the page template is reduced.
A second embodiment of the present application relates to an online device of an insurance product, a block diagram of the device is shown in fig. 6, and the device includes a data obtaining module 601, a system basic configuration module 602, a standard product configuration module 603, and an online product processing module 604.
The data acquisition module 601 is used for acquiring the target insurance product.
And the system basic configuration module 602 is configured to perform system basic configuration processing on the target insurance product through the standard field and the standard code value to obtain the target insurance product after system basic configuration.
And the standard product configuration module 603 is configured to accept a user's demand for the target insurance product, and perform standard product configuration processing on the target insurance product after the system basic configuration to obtain the target insurance product after the standard product configuration.
And a product on-line processing module 604, configured to perform product on-line processing on the target insurance product after the standard product is configured, so as to obtain the target insurance product in the selling process.
Optionally, as shown in fig. 7, the system infrastructure configuration module 602 includes:
and the standard field configuration submodule 701 is configured to, when a standard field instruction is received, perform configuration processing on a configuration field corresponding to the target insurance product to obtain a corresponding standard field.
And the standard code value configuration submodule 702 is configured to, when a standard code value instruction is received, perform configuration processing on the standard field to obtain a corresponding standard code value.
Optionally, as shown in fig. 8, in a case that the demand of the user for the target insurance product is an insurance rule, the standard product configuration module 603 includes:
the rule field library complete set obtaining sub-module 801 is configured to obtain a rule field library complete set, where the rule field library complete set includes: a rule object field library, an insurance common rule field library and an extension rule field library.
And an application rule configuration submodule 802, configured to perform visual configuration on the rule field library corpus through a rule engine tool to obtain an application rule result corresponding to the target insurance product.
Optionally, in a case that the demand of the user for the target insurance product is a premium calculation method, the standard product configuration module 603 includes:
and the first calculation sub-module is used for carrying out interface configuration on the trial calculation factor and the multi-factor relation by calling the service interface of the user under the condition that the premium calculation mode is the first calculation mode so as to obtain a premium calculation result.
Optionally, in a case that the demand of the user for the target insurance product is a premium calculation method, the standard product configuration module 603 further includes:
and the second calculation submodule is used for carrying out interface configuration on the trial calculation factor, the multi-factor relation, the basic rate, the premium calculation formula and the wind control pricing strategy under the condition that the premium calculation mode is the second calculation mode to obtain a premium calculation result.
Optionally, as shown in fig. 9, the product online processing module 604 includes:
and the product packaging submodule 901 is configured to, when the guarantee requirement of the user on the target insurance product is received, perform product packaging processing on the target insurance product configured by the standard product to obtain a marketable target insurance product.
And the product application process and page template setting submodule 902 is configured to perform application process and page template setting on the marketable target insurance product to obtain the marketable target insurance product.
And the product releasing sub-module 903 is configured to generate a test link corresponding to the releasable target insurance product when the releasable target insurance product is released to a terminal.
And the product testing sub-module 904 is configured to perform an insurance application test on the target insurance product that can be released according to the test link, and generate a test result corresponding to the target insurance product that can be released.
A product shelving module 905, configured to shelf the target insurance product that can be released to obtain the target insurance product in the process of sale if the test result is passed.
Optionally, as shown in fig. 10, the product application process and page template setting sub-module 902 includes:
a data obtaining unit 1001 is configured to obtain a general application process database and a page template database.
A data determining unit 1002, configured to determine, for the target salable insurance product, whether an insurance process and a page template corresponding to the target salable insurance product exist in the general insurance process database and the page template database.
And the data processing unit 1003 is configured to, if the insurance product does not exist, generate an insurance application flow and a page template corresponding to the marketable target insurance product, and store the insurance application flow and the page template corresponding to the marketable target insurance product in the insurance application flow database and the page template database, respectively.
And a product releasing unit 1004, configured to, after the target salable insurance product is determined, obtain an insurance process and a page template corresponding to the target salable insurance product from the insurance process database and the page template database, and generate a target salable insurance product according to the obtained insurance process and page template.
According to the online device of the insurance product, the target insurance product is obtained; carrying out system basic configuration processing on the target insurance product through a standard field and a standard code value to obtain the target insurance product after system basic configuration; receiving the requirement of a user on the target insurance product, and performing standard product configuration processing on the target insurance product after the system basic configuration to obtain the target insurance product after the standard product configuration; and carrying out product on-line processing on the target insurance product after the standard product is configured to obtain the target insurance product in the selling process. According to the method and the device, system basic configuration and standard product configuration processing are carried out on the target insurance product, the target insurance product can be quickly on-line when information configuration of the target insurance product is completed, configuration, namely on-line, is realized, and the technical problem that the target insurance product is long in on-line period is solved; secondly, the system basic configuration is carried out on the target insurance products based on the standard fields and the standard code values, different target insurance products are realized, the unified standard fields and the unified standard code values are adopted, and the reusability and the efficiency of the configuration of the different target insurance products are improved; thirdly, the application configures the application rules through a rule engine tool, so that the technical effect of flexibly configuring the application rules of the target insurance products is achieved; in addition, interface configuration is carried out on trial calculation, factors, multi-factor relations, basic rates, premium calculation formulas and wind control pricing strategies in the premium calculation process of the target insurance product, so that the operation personnel only need to fill related product information according to the configuration steps, no need of participation of any demand personnel and product developers, the waste of research and development and testing labor cost caused by program development required by the rate and premium calculation of each insurance product in the existing insurance product mode is avoided, and the labor cost is greatly reduced; in addition, according to the method and the device, product packaging processing can be performed on the target insurance product after the standard product is configured according to the guarantee requirement of the user on the target insurance product, so that the purpose of rapidly packaging differentiated products aiming at the characteristics of different industries, regions, crowds and the like on the basis of the target insurance product after the standard product is configured is achieved, and the technical purpose of meeting the requirements of various market segments is further achieved; finally, the application determines the insurance application process and the page template corresponding to the target insurance product which can be sold through the preset general insurance application process database and the page template database, so that the differentiated setting of the insurance application process and the page template corresponding to the target insurance product which can be sold is realized, and the labor cost on the configuration of the insurance application process and the page template is reduced.
For the apparatus embodiment, since it is basically similar to the method embodiment, it is described relatively simply, and for the relevant points, refer to the partial description of the method embodiment.
A third embodiment of the present application relates to an electronic apparatus including:
a processor;
a memory for storing the processor-executable instructions;
wherein the processor is configured to execute the instructions to implement an on-line method of an insurance product according to the first aspect.
In a fourth embodiment of the present application, there is provided a computer-readable storage medium, wherein instructions of the computer-readable storage medium, when executed by a processor of an electronic device, enable the electronic device to perform the method of bringing an insurance product online according to the first aspect.
Those skilled in the art will appreciate that the modules in the device in an embodiment may be adapted and arranged in one or more devices other than the embodiment. The modules or units or components of the embodiments may be combined into one module or unit or component, and furthermore they may be divided into a plurality of sub-modules or sub-units or sub-components. All of the features disclosed in this specification (including any accompanying claims, abstract and drawings), and all of the processes or elements of any method or apparatus so disclosed, may be combined in any combination, except combinations where at least some of such features and/or processes or elements are mutually exclusive. Each feature disclosed in this specification (including any accompanying claims, abstract and drawings) may be replaced by alternative features serving the same, equivalent or similar purpose, unless expressly stated otherwise.
Furthermore, those skilled in the art will appreciate that while some embodiments described herein include some features included in other embodiments, rather than other features, combinations of features of different embodiments are meant to be within the scope of the application and form different embodiments. For example, in the claims, any of the claimed embodiments may be used in any combination.
It should be noted that the above-mentioned embodiments illustrate rather than limit the application, and that those skilled in the art will be able to design alternative embodiments without departing from the scope of the appended claims. In the claims, any reference signs placed between parentheses shall not be construed as limiting the claim. The word "comprising" does not exclude the presence of elements or steps not listed in a claim. The word "a" or "an" preceding an element does not exclude the presence of a plurality of such elements. The application may be implemented by means of hardware comprising several distinct elements, and by means of a suitably programmed computer. In the unit claims enumerating several means, several of these means may be embodied by one and the same item of hardware. The usage of the words first, second and third, etcetera do not indicate any ordering. These words may be interpreted as names.
Claims (8)
1. A method of loading an insurance product, the method comprising:
acquiring a target insurance product, wherein the target insurance product covers various internet insurance products of different insurance companies;
carrying out system basic configuration processing on the target insurance product through a standard field and a standard code value to obtain the target insurance product after system basic configuration, wherein the method comprises the following steps: when a standard field instruction is received, configuring a configuration field corresponding to the target insurance product according to the standard field to obtain a corresponding standard field; when a standard code value instruction is received, configuring the standard field according to a standard code value to obtain a corresponding standard code value, wherein the standard code value comprises a unified standard code value and a user standard code value;
receiving the requirement of a user on the target insurance product, and performing standard product configuration processing on the target insurance product after the system basic configuration to obtain the target insurance product after the standard product configuration, wherein the requirement of the user on the target insurance product comprises an insurance rule and a premium calculation mode;
wherein, under the condition that the demand of the user for the target insurance product is an insurance application rule, the receiving of the demand of the user for the target insurance product, and the standard product configuration processing of the target insurance product after the system basic configuration to obtain the target insurance product after the standard product configuration comprise: obtaining a rule field library corpus, wherein the rule field library corpus comprises: a rule object field library, an insurance common rule field library and an extension rule field library; performing visual configuration of the application rule on the rule field library complete set through a rule engine tool to obtain an application rule result corresponding to the target insurance product;
and carrying out product on-line processing on the target insurance product after the standard product is configured to obtain the target insurance product in the selling process.
2. The method according to claim 1, wherein in a case that the user's demand for the target insurance product is a premium calculation method, the accepting the user's demand for the target insurance product, and performing standard product configuration processing on the target insurance product after the system basic configuration to obtain a target insurance product after standard product configuration, comprises:
and under the condition that the premium calculation mode is the first calculation mode, carrying out interface configuration on the trial calculation factor and the multi-factor relation by calling a service interface of the user to obtain a premium calculation result.
3. The method according to claim 1, wherein in a case that the user's demand for the target insurance product is a premium calculation method, the accepting the user's demand for the target insurance product, and performing standard product configuration processing on the target insurance product after the system basic configuration to obtain a target insurance product after standard product configuration, further comprises:
and under the condition that the premium calculation mode is the second calculation mode, carrying out interface configuration on the trial calculation factor, the multi-factor relation, the basic rate, the premium calculation formula and the wind control pricing strategy to obtain a premium calculation result.
4. The method according to claim 1, wherein the step of performing on-line product processing on the target insurance product after the standard product configuration to obtain the target insurance product in the sale process comprises:
when the guarantee requirement of the user on the target insurance product is received, performing product packaging treatment on the target insurance product after the standard product is configured to obtain a marketable target insurance product;
performing insurance application flow and page template setting on the target insurance product which can be sold to obtain a target insurance product which can be put in;
generating a test link corresponding to the target insurance product which can be released when the target insurance product which can be released is released to a terminal;
performing an insurance application test on the target insurance product capable of being released according to the test link to generate a test result corresponding to the target insurance product capable of being released;
and if the test result is passed, putting the target insurance product which can be put on shelf to obtain the target insurance product in the sale process.
5. The method according to claim 4, wherein the performing the insuring process and the page template setting on the target insurance product capable of being sold to obtain the target insurance product capable of being released comprises:
acquiring a general application process database and a page template database;
determining whether the general insurance application process database and the page template database have insurance application processes and page templates corresponding to the marketable target insurance products or not according to the marketable target insurance products;
if the insurance product does not exist, generating an insurance application flow and a page template corresponding to the target insurance product capable of being sold, and respectively storing the insurance application flow and the page template corresponding to the target insurance product capable of being sold into an insurance application flow database and a page template database;
and after the target insurance product which can be sold is determined, acquiring an insurance application flow and a page template corresponding to the target insurance product which can be sold from the insurance application flow database and the page template database, and generating the target insurance product which can be put according to the acquired insurance application flow and page template.
6. An on-line device for an insurance product, comprising:
the system comprises a data acquisition module, a data processing module and a data processing module, wherein the data acquisition module is used for acquiring a target insurance product, and the target insurance product covers various internet insurance products of different insurance companies;
the system basic configuration module is used for performing system basic configuration processing on the target insurance product through the standard field and the standard code value to obtain the target insurance product after system basic configuration, and comprises the following steps: when a standard field instruction is received, configuring a configuration field corresponding to the target insurance product according to the standard field to obtain a corresponding standard field; when a standard code value instruction is received, configuring the standard field according to a standard code value to obtain a corresponding standard code value, wherein the standard code value comprises a unified standard code value and a user standard code value;
the standard product configuration module is used for receiving the requirement of a user on the target insurance product, performing standard product configuration processing on the target insurance product after the system basic configuration to obtain the target insurance product after the standard product configuration, wherein the requirement of the user on the target insurance product comprises an insurance rule and a premium calculation mode;
wherein, under the condition that the demand of the user for the target insurance product is an insurance application rule, the receiving of the demand of the user for the target insurance product, and the standard product configuration processing of the target insurance product after the system basic configuration to obtain the target insurance product after the standard product configuration comprise: obtaining a rule field library corpus, wherein the rule field library corpus comprises: a rule object field library, an insurance common rule field library and an extension rule field library; performing visual configuration of the application rule on the rule field library complete set through a rule engine tool to obtain an application rule result corresponding to the target insurance product;
and the product on-line processing module is used for carrying out product on-line processing on the target insurance product after the standard product is configured to obtain the target insurance product in the selling process.
7. The electronic equipment is characterized by comprising a processor, a communication interface, a memory and a communication bus, wherein the processor and the communication interface are used for realizing the communication between the processor and the memory through the communication bus;
a memory for storing a computer program;
a processor for implementing the method of putting an insurance product of any one of claims 1 to 5 on line when executing the program stored in the memory.
8. A storage medium having stored thereon a computer program which, when executed by a processor, carries out the method steps of bringing an insurance product of any of claims 1 to 5 online.
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| CN115358875A (en) * | 2022-08-24 | 2022-11-18 | 国任财产保险股份有限公司 | Insurance product management system |
| CN116361196A (en) * | 2023-06-01 | 2023-06-30 | 北京轻松筹信息技术有限公司 | Method, device and equipment for testing application flow and readable storage medium |
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| CN111427778A (en) * | 2020-03-18 | 2020-07-17 | 中国平安人寿保险股份有限公司 | Test method, test device, terminal equipment and storage medium |
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| CN107886439A (en) * | 2017-12-21 | 2018-04-06 | 中国平安财产保险股份有限公司 | Insurance products development approach, device, equipment and computer-readable recording medium |
| CN109460527A (en) * | 2018-09-25 | 2019-03-12 | 中国平安人寿保险股份有限公司 | Product data configuration method, device, computer equipment and storage medium |
| CN111127223B (en) * | 2019-11-25 | 2023-07-18 | 泰康保险集团股份有限公司 | Insurance product testing method, insurance product testing device and storage medium |
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