CN114387116A

CN114387116A - Insurance distribution method and device, electronic equipment and readable storage medium

Info

Publication number: CN114387116A
Application number: CN202210039976.4A
Authority: CN
Inventors: 贾月娟; 徐建超
Original assignee: Sunshine Property & Casualty Insurance Co
Current assignee: Sunshine Property & Casualty Insurance Co
Priority date: 2022-01-14
Filing date: 2022-01-14
Publication date: 2022-04-22

Abstract

The application belongs to the technical field of computers, and discloses a method, a device, electronic equipment and a readable storage medium for insurance separate insurance, wherein the method comprises the steps of determining to receive a separate insurance request aiming at insurance contract information, and acquiring at least one to-be-separated insurance clause contained in the insurance contract information; acquiring clause sub-insurance information respectively set for each item to be sub-insurance; and performing separate insurance processing on the to-be-separately-insured insurance according to each to-be-separately-insured clause and clause separate insurance information. Thus, the efficiency of insurance sharing can be improved when the insurance sharing processing is carried out.

Description

Insurance distribution method and device, electronic equipment and readable storage medium

Technical Field

The present application relates to the field of computer technologies, and in particular, to a method and an apparatus for insurance sharing, an electronic device, and a readable storage medium.

Background

With the rapid development of the insurance industry, the insurance types for meeting the insurance requirements of customers are more and more, and the risk management of insurance companies generally needs insurance division operation.

In the prior art, when performing insurance division operation, insurance division operation is performed on an insurance by generally adopting a mode of distinguishing different service types according to different insurance types or dividing insurance types according to different service scenes.

However, when the insurance separate insurance is performed by differentiating different service types according to different insurance types, new insurance types are required to be reported continuously, and the separate insurance operation steps are complex, long in time consumption and low in efficiency. When different service scenes are adopted to divide insurance types for insurance sub-insurance, scene change is large, sub-insurance operation steps are complex and tedious, time consumption is long, and efficiency is low.

Therefore, how to improve the efficiency of insurance division and insurance when the insurance division and insurance are carried out is a technical problem to be solved.

Disclosure of Invention

An object of the embodiments of the present application is to provide a method, an apparatus, an electronic device and a readable storage medium for insurance division, so as to improve the efficiency of insurance division when performing insurance division.

In one aspect, a method for insurance sharing is provided, which includes:

determining that an insurance distribution request aiming at the insurance contract information to be distributed is received, and acquiring at least one item to be distributed contained in the insurance contract information to be distributed;

acquiring clause sub-insurance information respectively set for each item to be sub-insurance;

and performing separate insurance processing on the to-be-separately-insured insurance according to each to-be-separately-insured clause and clause separate insurance information.

In the implementation process, the insurance contract information is divided into one or more terms to be separately guaranteed, and the terms to be separately guaranteed are respectively subjected to separate insurance processing according to the terms to be separately guaranteed and the term separate insurance information corresponding to the terms to be separately guaranteed, so that the separate insurance processing of the whole insurance contract information is implemented, each term to be separately guaranteed has a corresponding separate insurance mode, the workload of the insurance separate insurance is reduced, the difficulty of the insurance separate insurance is simplified, and the efficiency of the insurance separate insurance is improved.

In one embodiment, the term sub-insurance information includes financial sub-insurance information, responsibility sub-insurance information, and a sub-insurance type, the financial sub-insurance information is sub-insurance information related to financial affairs, the responsibility sub-insurance information is sub-insurance information related to contract responsibility, and the sub-insurance type is to determine whether contract terms in the contract information of the insurance to be sub-guaranteed are terms to be sub-guaranteed.

In one embodiment, the acquiring the clause separately-arranged information for each clause to be separately protected includes:

acquiring financial branch insurance information respectively set for each item to be subjected to branch insurance;

acquiring at least one clause label which is respectively set for each item to be separately protected, wherein the clause label is set according to the business transaction requirement of a user;

and acquiring the responsibility guarantee information respectively set for each clause label.

In the implementation process, the clause guarantee information set corresponding to each clause to be guaranteed is obtained, so that the server can directly use the financial guarantee information and the responsibility guarantee information to execute the guarantee division operation in the subsequent process.

In one embodiment, determining that an insurance request for insurance contract information is received and acquiring at least one to-be-insured clause contained in the insurance contract information comprises:

performing clause identification on the insurance contract information to be separately guaranteed to obtain at least one contract clause contained in the insurance contract information to be separately guaranteed;

respectively acquiring the sub-insurance type of each contract clause;

and screening out the to-be-classified protection clauses with the classified protection type as to-be-classified protection from at least one contract clause.

In the implementation process, the terms to be guaranteed in the insurance contract information are obtained, and the terms to be guaranteed can be directly used when the subsequent operation of the division is performed on the terms to be guaranteed.

In one embodiment, obtaining at least one item tag respectively set for each item to be separately guaranteed includes:

sending a tag request message to an insurance system based on at least one clause to be separately insured;

and receiving a clause label corresponding to each clause to be separately protected returned by the insurance system, wherein the clause label is set according to the business transaction requirement of the user.

In the implementation process, the server sends the label request message to the insurance system, so that the clause label sent by the insurance system can be obtained.

In one embodiment, the responsibility share information comprises: the method comprises the following steps of contract coding and contract sub-items, and sub-insurance processing is carried out on the insurance to be sub-guaranteed according to each clause to be sub-guaranteed and clause sub-insurance information, and comprises the following steps:

respectively executing financial branch insurance operation according to the financial branch insurance information corresponding to each item to be subjected to branch insurance;

and respectively carrying out the sub-insurance calculation according to the contract code and the contract sub-item corresponding to each to-be-sub-insurance clause to obtain a sub-insurance calculation result.

In the implementation process, the separate insurance operation of the whole to-be-separately-insured insurance is completed by performing the separate insurance calculation on each to-be-separately-insured item, so that the workload of the separate insurance operation of the to-be-separately-insured insurance is reduced, and the efficiency of the separate insurance operation of the to-be-separately-insured insurance is improved.

In one aspect, an apparatus for insurance sharing is provided, including:

the receiving unit is used for determining that an insurance distribution request aiming at the insurance contract to be distributed is received, and acquiring at least one clause to be distributed contained in the insurance contract to be distributed;

the acquisition unit is used for acquiring clause sub-insurance information which is respectively set for each item to be sub-insurance;

and the processing unit is used for performing the branch insurance processing on the insurance to be subjected to the branch insurance according to each clause to be subjected to the branch insurance and the clause branch insurance information.

In one embodiment, the obtaining unit is specifically configured to:

In one embodiment, the receiving unit is specifically configured to:

respectively acquiring the sub-insurance type of each contract clause;

In one embodiment, the obtaining unit is specifically configured to:

In one embodiment, the responsibility share information comprises: the processing unit is specifically configured to:

In one aspect, an electronic device is provided, comprising a processor and a memory, the memory storing computer readable instructions which, when executed by the processor, perform the steps of the method provided in any of the various alternative implementations of insurance sharing as described above.

In one aspect, a readable storage medium is provided, on which a computer program is stored, which computer program, when executed by a processor, performs the steps of the method as provided in any of the various alternative implementations of insurance underwriting described above.

In one aspect, a computer program product is provided which, when run on a computer, causes the computer to perform the steps of the method as provided in any of the various alternative implementations of insurance underwriting described above.

In the method, the device, the electronic device and the readable storage medium for insurance underwriting provided by the embodiment of the application, an underwriting request aiming at an insurance contract is determined to be received, and at least one to-be-underwriting clause contained in the insurance contract is acquired; acquiring clause sub-insurance information respectively set for each item to be sub-insurance; and performing separate insurance processing on the to-be-separately-insured insurance according to each to-be-separately-insured clause and clause separate insurance information. Therefore, the insurance contract information is divided into one or more terms to be separately guaranteed, and the terms to be separately guaranteed are respectively processed according to the terms to be separately guaranteed and the term separate guarantee information corresponding to the terms to be separately guaranteed, so that the separate guarantee processing of the whole insurance contract information is realized, each term to be separately guaranteed has a corresponding separate guarantee mode, the workload of insurance separate guarantee is reduced, the difficulty of insurance separate guarantee is simplified, and the efficiency of insurance separate guarantee is improved.

Additional features and advantages of the application will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by the practice of the application. The objectives and other advantages of the application may be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are required to be used in the embodiments of the present application will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present application and therefore should not be considered as limiting the scope, and that those skilled in the art can also obtain other related drawings based on the drawings without inventive efforts.

Fig. 1 is a schematic structural diagram of an insurance policy system according to an embodiment of the present application;

fig. 2 is a flowchart illustrating an implementation of a method for insurance sharing according to an embodiment of the present disclosure;

FIG. 3 is a flowchart illustrating a detailed implementation of a method for insurance sharing according to an embodiment of the present disclosure;

fig. 4 is a block diagram illustrating an apparatus for insurance sharing according to an embodiment of the present disclosure;

fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present disclosure.

Detailed Description

The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. The components of the embodiments of the present application, generally described and illustrated in the figures herein, can be arranged and designed in a wide variety of different configurations. Thus, the following detailed description of the embodiments of the present application, presented in the accompanying drawings, is not intended to limit the scope of the claimed application, but is merely representative of selected embodiments of the application. All other embodiments, which can be derived by a person skilled in the art from the embodiments of the present application without making any creative effort, shall fall within the protection scope of the present application.

It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures. Meanwhile, in the description of the present application, the terms "first", "second", and the like are used only for distinguishing the description, and are not to be construed as indicating or implying relative importance.

First, some terms referred to in the embodiments of the present application will be described to facilitate understanding by those skilled in the art.

The terminal equipment: may be a mobile terminal, a fixed terminal, or a portable terminal such as a mobile handset, station, unit, device, multimedia computer, multimedia tablet, internet node, communicator, desktop computer, laptop computer, notebook computer, netbook computer, tablet computer, personal communication system device, personal navigation device, personal digital assistant, audio/video player, digital camera/camcorder, positioning device, television receiver, radio broadcast receiver, electronic book device, gaming device, or any combination thereof, including the accessories and peripherals of these devices, or any combination thereof. It is also contemplated that the terminal device can support any type of interface to the user (e.g., wearable device), and the like.

A server: the cloud server can be an independent physical server, a server cluster or a distributed system formed by a plurality of physical servers, and can also be a cloud server for providing basic cloud computing services such as cloud service, a cloud database, cloud computing, cloud functions, cloud storage, network service, cloud communication, middleware service, domain name service, security service, big data and artificial intelligence platform and the like.

And (4) separating and protecting: the insurance person partially transfers the undertaken insurance business to other insurance persons in the form of reinsurance.

A middleware: the software is a software between an application system and a system software, and is used for connecting each part or each application in the application system to realize resource and function sharing.

In order to improve the efficiency of insurance sharing when insurance sharing is performed, embodiments of the present application provide a method, an apparatus, an electronic device, and a readable storage medium for insurance sharing.

Fig. 1 is a schematic diagram of an architecture of an insurance policy system according to an embodiment of the present application. The system architecture comprises an insurance system and a server installed with middleware. Alternatively, the insurance system may be composed of one or more terminals or servers, and in fig. 1, the insurance system is illustrated by taking only one device as an example. The insurance system is used for providing insurance contracts to be separately guaranteed and clause labels for the middleware. Optionally, the middleware may be a server or a terminal for performing the distribution processing.

In one embodiment, the middleware obtains the terms to be guaranteed in the contract information of the insurance to be guaranteed. The middleware acquires financial branch insurance information which is respectively set for each branch insurance clause, wherein the responsibility branch insurance information comprises: contract code and contract clause. The middleware sends a tag request message to the insurance system based on at least one clause to be insured. And after receiving the label request message, the insurance system returns a clause label corresponding to each clause to be separately guaranteed to the middleware. And the middleware acquires the responsibility sub-insurance information respectively set for each clause label, executes financial sub-insurance operation respectively according to the financial sub-insurance information corresponding to each to-be-sub-insurance clause, and performs sub-insurance calculation respectively according to the contract code and the contract sub-item corresponding to each to-be-sub-insurance clause to obtain a sub-insurance calculation result.

Therefore, when insurance separate insurance is carried out, the insurance contract information is divided into one or more terms to be separately guaranteed, and separate insurance processing is respectively carried out on the terms to be separately guaranteed according to the terms to be separately guaranteed and the term separate insurance information corresponding to the terms to be separately guaranteed, so that the separate insurance processing of the whole insurance contract information is realized, each term to be separately guaranteed has a corresponding separate insurance mode, the workload of the insurance separate insurance is reduced, the difficulty of the insurance separate insurance is simplified, and the efficiency of the insurance separate insurance is improved.

In the embodiment of the present application, only the execution main body is taken as an example of a server on which middleware is installed, and in practical application, the execution main body may also be other electronic devices such as a terminal device, and is not limited herein.

Referring to fig. 2, an implementation flow chart of an insurance policy making method according to an embodiment of the present application is shown, and with reference to a server in the insurance policy making system of fig. 1, a specific implementation flow of the method is as follows:

step 200: determining that an insurance distribution request aiming at the insurance contract information to be distributed is received, and acquiring at least one clause to be distributed contained in the insurance contract information to be distributed.

Specifically, after receiving an insurance distribution request for insurance contract information to be distributed sent by the insurance system, the server obtains one or more terms to be distributed contained in the insurance contract information to be distributed.

Further, the following steps can be executed to obtain the terms to be distributed:

the method comprises the following steps: and performing clause identification on the insurance contract information to be separately insured to obtain at least one contract clause contained in the insurance contract information to be separately insured.

Specifically, after determining that the insurance request message for the insurance contract sent by the insurance system is received, the server performs clause identification on the insurance contract information to be insured, and obtains one or more contract clauses contained in the insurance contract information to be insured.

One insurance contract information may include one or more contract terms.

Optionally, the contract terms may be in the form of codes, or in other forms, and are not limited herein.

In one embodiment, the personal critical illness insurance contract information includes four terms, namely, term a, term B, term C, and term D.

Further, the server can also directly acquire one or more contract terms contained in the insurance contract information to be separately insured by accessing the insurance system. The insurance system identifies terms of the insurance contract information to be separately guaranteed in advance, and obtains at least one contract term contained in the insurance contract information to be separately guaranteed.

In this way, at least one contract term contained in the contract information for the insured reserve can be obtained.

Step two: and respectively acquiring the sub-insurance type of each contract clause.

Specifically, the server respectively obtains the sub-insurance type of each contract clause in the information of the insurance contract to be sub-guaranteed.

Wherein, the type of the share guarantee is the related information of the share guarantee of the determined clauses.

In practical applications, the type of the sub-protection may be other types of sub-protection, and is not limited herein.

In one embodiment, the personal critical illness insurance contract information includes four terms, namely, term a, term B, term C, and term D. The type of the partial protection of the clause A is a to-be-partial protection clause, the type of the partial protection of the clause B is a to-be-partial protection clause, the type of the partial protection of the clause C is a to-be-partial protection clause, and the type of the partial protection of the clause D is a non-partial protection clause.

Wherein, the to-be-distributed protection can be represented by Y, and the non-distributed protection can be represented by N.

In practical applications, the to-be-distributed and the non-distributed may be in other forms, and are not limited herein.

Thus, the correspondingly set type of the branch insurance can be obtained according to the clauses.

Step three: and screening out the to-be-classified protection clauses with the classified protection type as to-be-classified protection from at least one contract clause.

Specifically, the server screens each contract clause from at least one contract clause included in the contract information of the insurance to be separately guaranteed according to the separate guarantee type of each contract clause, and screens out the separate guarantee type as the insurance to be separately guaranteed.

Alternatively, the screening may be performed in other manners, which are not limited herein.

Thus, the terms to be guaranteed can be obtained by identification from the contract information of the insurance to be guaranteed.

Furthermore, each acquired clause to be classified into a dangerous unit can be further divided into a dangerous unit.

Step 201: and acquiring clause sub-insurance information respectively set for each item to be sub-insurance.

The term sharing information comprises financial sharing information, responsibility sharing information and sharing type.

Specifically, the following steps may be executed by executing step 201:

s2011: and acquiring the financial branch insurance information respectively set for each branch insurance clause.

Specifically, the server obtains financial branch insurance information which is correspondingly set for each branch insurance clause in the insurance contract information to be divided.

The financial security information can be financial related security information.

Optionally, the financial underwriting information may include a financial label.

In practical applications, the financial security information may also include other information, and is not limited herein.

In one embodiment, the personal critical illness insurance contract information includes four terms, namely, term a, term B, term C, and term D. The financial tag corresponding to the clause A is code _ A, the financial tag corresponding to the clause B is code _ B, the financial tag corresponding to the clause C is code _ C, and the financial tag corresponding to the clause D is code _ D.

Therefore, the correspondingly set financial label can be obtained according to the terms to be separately guaranteed.

The financial tag may be in other forms, and is not limited herein.

In one embodiment, the server sets a first configuration structure for storing the corresponding relationship between the codes of at least one to-be-guaranteed item in the to-be-guaranteed contract information and the financial guarantee information. The server inputs a to-be-distributed term into the first configuration structure to obtain the financial distribution information corresponding to the to-be-distributed term, namely to obtain the financial label corresponding to the to-be-distributed term.

Wherein the first configuration is preset.

Therefore, the financial branch insurance information correspondingly set by each item to be subjected to branch insurance can be obtained.

S2012: and acquiring at least one clause label which is respectively set for each item to be separately protected.

Wherein, the clause label is set according to the business transaction requirement of the user.

Specifically, step S2012 is executed, and the following steps may be executed:

the method comprises the following steps: and sending a tag request message to the insurance system based on at least one clause to be insured.

Specifically, the server sends a tag request message to the insurance system based on at least one clause tag set for each clause to be insured.

Wherein, the label request message is a message requesting to obtain a clause label.

Optionally, the term label may be a transaction label, and may also be other labels, which are not limited herein.

In one embodiment, the personal critical illness insurance contract information includes four terms, namely, term a, term B, term C, and term D. The term label set corresponding to term a may be Pcode _ a, the term label set corresponding to term B may be Pcode _ B, and the term label set corresponding to term C may be Pcode _ C. The term D is not separately protected, so that the term D is not correspondingly provided with a term label in the personal serious disease insurance contract information.

Therefore, the corresponding set clause label can be obtained according to the clause to be protected.

Referring to table 1, a table of correspondence between each clause and the financial tag in terms a, B, C, and D is shown for four clauses included in the personal critical illness insurance contract information.

TABLE 1

Clause and subclause	Financial label
		A	code_A
B	code_B
		C	code_C
D	code_D

Step two: and receiving a clause label corresponding to each clause to be separately protected returned by the insurance system.

Specifically, the server receives a clause label which is sent by the insurance system and corresponds to each item to be separately guaranteed.

The insurance system can send the item label corresponding to each item to be insured to the server through an application program interface (Java Message Service, jms).

Therefore, at least one clause label set corresponding to each clause to be separately protected can be obtained.

Further, if a clause to be protected is a newly set clause and no corresponding clause label exists, setting a corresponding clause label and establishing responsibility protection information set for the clause label.

S2013: and acquiring the responsibility guarantee information respectively set for each clause label.

Specifically, the server acquires the responsibility distribution information which is correspondingly set by the insurance system aiming at each clause label in the contract information of the insurance to be distributed.

Wherein, the responsibility guarantee information can be guarantee information related to contract responsibility.

Optionally, the responsibility share information may include a contract code, and a contract clause.

One contract corresponds to one contract code, one contract code may include one or more contract sub-items, and different contract codes may also include the same contract sub-item.

In one embodiment, the server sets a second configuration structure for storing the corresponding relationship between the code of at least one to-be-guaranteed item in the to-be-guaranteed contract information and the responsibility guarantee information. The server inputs a to-be-distributed term into the second configuration structure to obtain the responsibility distribution information corresponding to the to-be-distributed term, namely, the contract code and the contract sub-item corresponding to the to-be-distributed term are obtained.

Wherein the second configuration is preset.

In one embodiment, the personal critical illness insurance contract information includes four terms, namely, term a, term B, term C, and term D. The term label set corresponding to term a may be Pcode _ a, the term label set corresponding to term B may be Pcode _ B, and the term label set corresponding to term C may be Pcode _ C. And the clause D is not separately protected, so that no corresponding clause label is arranged. The term label is a to-be-guaranteed term of Pcode _ A, the corresponding contract is coded as Tree _1, the corresponding contract clause is a, the term label is a to-be-guaranteed term of Pcode _ B, the corresponding contract is coded as Tree _2, the corresponding contract clause is a, the term label is a to-be-guaranteed term of Pcode _ C, the corresponding contract is coded as Tree _2, and the corresponding contract clause is B.

Therefore, the correspondingly set contract code and the contract clause can be obtained according to the clause label corresponding to the clause to be guaranteed.

Thus, the responsibility guarantee information correspondingly set for each clause label can be obtained.

Referring to table 2, a correspondence table of the relationship between each clause label and contract code and contract sub-item in the personal serious illness insurance contract information is shown.

TABLE 2

Further, the insurance clauses to be guaranteed can be obtained by actively sending contract information to be guaranteed to the server through the insurance system.

Further, according to the insurance contract information to be separately insured, each clause contained in the insurance contract information to be separately insured is obtained, the separate insurance type of each clause is obtained according to each clause, and the financial label corresponding to each clause contained in the insurance contract information to be separately insured is obtained according to the corresponding relation between the preset clause and the financial label. And acquiring each item to be separately guaranteed according to each item, and acquiring a item label corresponding to each item to be separately guaranteed in the insurance contract information to be separately guaranteed according to the corresponding relation between the preset item to be separately guaranteed and the item label. And obtaining the corresponding relation between each clause label and the contract code and the contract clause in the insurance contract information to be separately guaranteed according to the corresponding relation between each preset clause label and the contract code and the contract clause. And acquiring corresponding relations among the clauses to be classified, the clause labels, the classification types, the financial labels, the contract codes and the contract clauses according to the financial labels corresponding to the clauses to be classified and the corresponding relations among the clauses labels, the contract codes and the contract clauses.

Therefore, corresponding relations among terms to be distributed, term labels, distribution types, financial labels, contract codes and contract sub-items can be obtained, and distribution operation is directly carried out by using the corresponding relations in the subsequent process.

Referring to table 3, the contract information of the insurance for the serious disease of the individual is shown, which includes the corresponding relationship among terms to be guaranteed, terms labels, types of the individual guarantees, financial labels, contract codes and contract sub-items.

TABLE 3

Clause to be awarded	Clause label	Type of branch security	Financial label	Contract code	Contract sub-terms
						A	Pcode_A	Y	code_A	Treaty_1	a
B	Pcode_B	Y	code_B	Treaty_2	a
						C	Pcode_C	Y	code_C	Treaty_2	b
D	Pcode_D	N	code_D	-	-

Step 202: and performing separate insurance processing on the to-be-separately-insured insurance according to each to-be-separately-insured clause and clause separate insurance information.

Specifically, the following steps may be performed by executing step 202:

s2021: and executing financial branch insurance operation according to the financial branch insurance information corresponding to each item to be subjected to branch insurance.

Specifically, the server executes financial branch insurance calculation operation on the insurance information to be branch insured according to the financial branch insurance information corresponding to each item to be branch insured.

Wherein the financial underwriting calculation operation may be to perform financial related underwriting operations.

In one embodiment, the server performs financial security distribution operation on the contract information to be distributed according to the newly-set business terms, the financial labels and the report distribution labels corresponding to the terms to be distributed, respectively.

S2022: and respectively carrying out the sub-insurance calculation according to the contract code and the contract sub-item corresponding to each to-be-sub-insurance clause to obtain a sub-insurance calculation result.

Specifically, the server performs the sub-insurance calculation on the contract information to be sub-insured according to the contract code and the contract sub-item corresponding to each to-be-sub-insured clause, so as to obtain the sub-insurance calculation result.

Therefore, the underwriting calculation can be carried out on the information of the underwriting contract to obtain the underwriting calculation result.

Furthermore, the terms to be guaranteed, the term labels, the guarantee types, the financial labels, the contract codes, the corresponding relations among the contract sub-items and the contract codes can be locked according to the contract codes and the contract sub-items corresponding to the terms to be guaranteed, and the guarantee operation can be carried out.

And further, after the branch insurance calculation result is obtained, filling the financial relation according to the branch insurance calculation result, and generating corresponding financial data.

Referring to fig. 3, a detailed implementation flow chart of a method for insurance sharing provided in the embodiment of the present application is shown, and a specific implementation flow of the method is as follows:

step 300: and performing clause identification on the insurance contract information to be separately insured to obtain at least one contract clause contained in the insurance contract information to be separately insured.

Step 301: and respectively acquiring the sub-insurance type of each contract clause.

Step 302: and judging whether the clauses to be distributed exist, if so, executing step 303, otherwise, executing step 314.

Step 303: and screening out the to-be-classified protection clauses with the classified protection type as to-be-classified protection from at least one contract clause.

Step 304: and acquiring the financial branch insurance information respectively set for each branch insurance clause.

Step 305: and judging whether the number of the clauses to be protected is only one, if so, executing the step 306, and otherwise, executing the step 314.

It should be noted that if the contract information to be guaranteed only includes one clause to be guaranteed, it is not necessary to set a clause tag for the clause to be guaranteed, otherwise, it is necessary to set a corresponding clause tag for each clause to be guaranteed.

Step 306: and sending a tag request message to the insurance system based on at least one clause to be insured.

Step 307: and receiving a clause label corresponding to each clause to be separately protected returned by the insurance system.

Step 308: and screening out the terms to be distributed and correspondingly provided with the term labels.

Step 309: and acquiring the financial branch insurance information respectively set for each branch insurance clause.

Step 310: and judging whether the contract codes and the contract clauses included in the correspondingly set responsibility guarantee information exist in the clause labels, if so, executing a step 311, otherwise, executing a step 314.

Step 311: and acquiring a contract code and a contract subentry included in the responsibility subentry information respectively set for each clause label.

Step 312: and executing financial branch insurance operation according to the financial branch insurance information corresponding to each item to be subjected to branch insurance.

Step 313: and respectively carrying out the sub-insurance calculation according to the contract code and the contract sub-item corresponding to each to-be-sub-insurance clause to obtain a sub-insurance calculation result.

Step 314: and performing the share and guarantee calculation to obtain a share and guarantee calculation result.

Specifically, when step 300 to step 314 are executed, the specific steps refer to step 200 to step 202, which are not described herein again.

In the embodiment of the application, the insurance contract information is divided into one or more terms to be separately guaranteed, and the terms to be separately guaranteed are respectively subjected to separate insurance processing according to the terms to be separately guaranteed and the term separate insurance information corresponding to the terms to be separately guaranteed, so that the separate insurance processing of the whole insurance contract information is realized, each term to be separately guaranteed has a corresponding separate insurance mode, and the workload of insurance separate insurance is reduced. Compared with the traditional method for carrying out the insurance division operation on the contract to be divided into the insurance, the difficulty of the insurance division is simplified, one clause to be divided corresponds to one or more clause labels, namely one clause to be divided corresponds to one or more responsibility division information, therefore, one clause to be divided corresponds to a plurality of division modes, the transition from the insurance division to the multi-dimensional division service is realized, the complexity of the continuation of the insurance division is reduced, and the efficiency of the insurance division is improved.

As shown in fig. 4, a schematic structural diagram of an insurance sharing device provided in an embodiment of the present application includes:

a receiving unit 401, configured to determine that an insurance distribution request for an insurance contract to be subjected to insurance distribution is received, and obtain at least one clause to be subjected to insurance distribution included in the insurance contract to be subjected to insurance distribution;

an obtaining unit 402, configured to obtain clause sub-insurance information set for each sub-insurance clause;

the processing unit 403 is configured to perform a separate insurance processing on the separate insurance policy according to each separate insurance clause and clause separate insurance information.

In an embodiment, the obtaining unit 402 is specifically configured to:

In one embodiment, the receiving unit 401 is specifically configured to:

respectively acquiring the sub-insurance type of each contract clause;

In an embodiment, the obtaining unit 402 is specifically configured to:

In one embodiment, the responsibility share information comprises: contract code and contract sub-item, the processing unit 403 is specifically configured to:

Based on the same inventive concept, the embodiment of the present application further provides an insurance separate insurance device, and as the principle of the device and the equipment for solving the problem is similar to that of an insurance separate insurance method, the implementation of the device can refer to the implementation of the method, and repeated details are not repeated.

Fig. 5 shows a schematic structural diagram of an electronic device 5000. Referring to fig. 5, the electronic device 5000 includes: the processor 5010 and the memory 5020 can optionally include a power supply 5030, a display unit 5040, and an input unit 5050.

The processor 5010 is a control center of the electronic apparatus 5000, connects various components using various interfaces and lines, and performs various functions of the electronic apparatus 5000 by running or executing software programs and/or data stored in the memory 5020, thereby monitoring the electronic apparatus 5000 as a whole.

In the embodiment of the present application, when the processor 5010 calls the computer program stored in the memory 5020, the method for insurance sharing provided by the embodiment shown in fig. 2 is performed.

Optionally, the processor 5010 can include one or more processing units; preferably, the processor 5010 can integrate an application processor, which mainly handles operating systems, user interfaces, applications, etc., and a modem processor, which mainly handles wireless communications. It is to be appreciated that the modem processor described above may not be integrated into processor 5010. In some embodiments, the processor, memory, and/or memory may be implemented on a single chip, or in some embodiments, they may be implemented separately on separate chips.

The memory 5020 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, various applications, and the like; the storage data area may store data created according to the use of the electronic device 5000, and the like. Further, the memory 5020 may include high-speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid-state storage device.

The electronic device 5000 also includes a power supply 5030 (e.g., a battery) that provides power to the various components and that may be logically connected to the processor 5010 via a power management system to provide management of charging, discharging, and power consumption via the power management system.

The display unit 5040 may be configured to display information input by a user or information provided to the user, and various menus of the electronic device 5000, and in the embodiment of the present invention, the display unit is mainly configured to display a display interface of each application in the electronic device 5000 and objects such as texts and pictures displayed in the display interface. The display unit 5040 may include a display panel 5041. The Display panel 5041 may be configured in the form of a Liquid Crystal Display (LCD), an Organic Light-Emitting Diode (OLED), or the like.

The input unit 5050 may be used to receive information such as numbers or characters input by a user. Input units 5050 may include touch panel 5051 as well as other input devices 5052. Among other things, the touch panel 5051, also referred to as a touch screen, may collect touch operations by a user on or near the touch panel 5051 (e.g., operations by a user on or near the touch panel 5051 using a finger, a stylus, or any other suitable object or attachment).

Specifically, the touch panel 5051 can detect a touch operation by a user, detect signals resulting from the touch operation, convert the signals into touch point coordinates, transmit the touch point coordinates to the processor 5010, and receive and execute a command transmitted from the processor 5010. In addition, the touch panel 5051 may be implemented in various types, such as a resistive type, a capacitive type, an infrared ray, and a surface acoustic wave. Other input devices 5052 may include, but are not limited to, one or more of a physical keyboard, function keys (such as volume control keys, power on/off keys, etc.), a trackball, a mouse, a joystick, and the like.

Of course, the touch panel 5051 may cover the display panel 5041, and when the touch panel 5051 detects a touch operation thereon or thereabout, it is transmitted to the processor 5010 to determine the type of touch event, and then the processor 5010 provides a corresponding visual output on the display panel 5041 according to the type of touch event. Although in fig. 5, the touch panel 5051 and the display panel 5041 are implemented as two separate components to implement input and output functions of the electronic device 5000, in some embodiments, the touch panel 5051 and the display panel 5041 may be integrated to implement input and output functions of the electronic device 5000.

The electronic device 5000 may also include one or more sensors, such as pressure sensors, gravitational acceleration sensors, proximity light sensors, and the like. Of course, the electronic device 5000 may further include other components such as a camera according to the requirements of a specific application, and these components are not shown in fig. 5 and are not described in detail since they are not components used in this embodiment of the present application.

Those skilled in the art will appreciate that fig. 5 is merely an example of an electronic device and is not intended to be limiting and may include more or fewer components than those shown, or some components may be combined, or different components.

In an embodiment of the present application, a readable storage medium has a computer program stored thereon, and when the computer program is executed by a processor, the communication device may perform the steps in the above embodiments.

For convenience of description, the above parts are separately described as modules (or units) according to functional division. Of course, the functionality of the various modules (or units) may be implemented in the same one or more pieces of software or hardware when implementing the present application.

As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

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

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

While the preferred embodiments of the present application have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all alterations and modifications as fall within the scope of the application.

It will be apparent to those skilled in the art that various changes and modifications may be made in the present application without departing from the spirit and scope of the application. Thus, if such modifications and variations of the present application fall within the scope of the claims of the present application and their equivalents, the present application is intended to include such modifications and variations as well.

Claims

1. A method of insurance sharing, comprising:

determining that an insurance distribution request aiming at insurance contract information to be subjected to insurance distribution is received, and acquiring at least one clause to be subjected to insurance distribution contained in the insurance contract information to be subjected to insurance distribution;

and performing separate insurance processing on the to-be-separately-insured insurance according to each to-be-separately-insured clause and the clause separate insurance information.

2. The method of claim 1, wherein the clause separately ensuring information comprises financial separately ensuring information, responsibility separately ensuring information and separately ensuring type, the financial separately ensuring information is separately ensuring information related to financial affairs, the responsibility separately ensuring information is separately ensuring information related to contract responsibility, and the separately ensuring type is determining whether a contract clause in the contract information of the separately ensuring contract is a to-be-separately ensuring clause.

3. The method of claim 2, wherein the obtaining of the clause subcontracting information respectively set for each of the clauses to be subcontracted comprises:

4. The method of claim 3, wherein said obtaining at least one clause label set separately for each item to be insured comprises:

sending a tag request message to an insurance system based on the at least one clause to be insured;

5. The method of claim 4, wherein the responsibility share information comprises: the process of separating the insurance of the separate insurance according to each item to be separated insurance and the item separating information comprises the following steps:

6. An insurance dispensing apparatus, comprising:

the receiving unit is used for determining that an insurance distribution request aiming at insurance contract information is received and acquiring at least one to-be-distributed clause contained in the insurance contract information;

and the processing unit is used for performing the branch insurance processing on the insurance to be subjected to the branch insurance according to each item to be subjected to the branch insurance and the item branch insurance information.

7. The apparatus of claim 6, wherein the clause separately ensuring information comprises financial separately ensuring information, responsibility separately ensuring information, and a separately ensuring type, the financial separately ensuring information is separately ensuring information related to financial, the responsibility separately ensuring information is separately ensuring information related to contractual responsibility, and the separately ensuring type is determining whether a contract clause in the contract information of the insurance to be separately ensured is a clause to be separately ensured.

8. The apparatus of claim 7, wherein the obtaining unit is specifically configured to:

9. An electronic device comprising a processor and a memory, the memory storing computer readable instructions that, when executed by the processor, perform the method of any of claims 1-5.

10. A readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the method according to any one of claims 1-5.