CN114612249A - Method and device for processing service message - Google Patents

Abstract

The invention discloses a method and a device for processing service messages, and relates to the technical field of computers. One embodiment of the method comprises: acquiring a data message, wherein the data message indicates a first user code to be claimed; determining a first user and coding information corresponding to the first user according to the first user code; determining a target claim settlement strategy corresponding to the coding information; generating a service message according to the target claim settlement strategy and the incidence relation between the first user and the coding information, and storing the service message to a message queue; and consuming the business messages in the message queue to realize the claim settlement of the first user by using the target claim settlement strategy. The embodiment can automatically match the target claim settlement strategy on the basis of the data message, generate the business message and store the business message to the message queue for subsequent consumption. Therefore, a bridge between the three-party insurance department and the insurance system is established, manpower and material resources are saved, and quick and automatic claim settlement service is realized.

Description

Method and device for processing service message

Technical Field

The present invention relates to the field of computer technologies, and in particular, to a method and an apparatus for processing a service message.

Background

In the field of insurance settlement, a user usually purchases insurance through a three-party insurance department channel, after the user successfully settles insurance, the three-party insurance department pushes data messages corresponding to insurance policy data to an insurance system of an insurance provider, and after receiving the data messages, the insurance provider determines a settlement policy corresponding to each data message through manually matching settlement rules and determining a settlement policy mode. The method consumes a large amount of manpower and material resources, and can not realize quick and automatic claim settlement service.

Disclosure of Invention

In view of this, embodiments of the present invention provide a method and an apparatus for processing a service message, which can automatically match a target claim settlement policy and generate a service message on the basis of a data message, and store the service message in a message queue for subsequent consumption. Therefore, a bridge between the three-party insurance department and the insurance system is established, manpower and material resources are saved, and quick and automatic claim settlement service is realized.

To achieve the above object, according to an aspect of the embodiments of the present invention, a method for processing a service message is provided.

The method for processing the service message comprises the following steps: obtaining a data message indicating a first user code to be claimed; determining a first user and coding information corresponding to the first user according to the first user code; determining a target claim settlement strategy corresponding to the coding information; generating a service message according to the target claim settlement strategy, the first user and the incidence relation of the coding information, and storing the service message to a message queue; and consuming the business messages in the message queue to realize the claim settlement of the first user by using the target claim settlement strategy.

Optionally, the encoding information includes: a version code, a seed code, a product code, and one or more second user codes, further comprising: and generating association relations respectively corresponding to the one or more second user codes according to the version codes, the dangerous seed codes and the product codes.

Optionally, the determining a target claim settlement policy corresponding to the encoding information includes: determining an intermediate claim settlement strategy corresponding to the version code, the dangerous seed code and the product code; and under the condition that the intermediate claim settlement strategy is a shared claim settlement strategy, determining a remaining claim amount corresponding to the shared claim settlement strategy, and determining a target claim settlement strategy corresponding to the first user according to the remaining claim amount.

Optionally, the remaining claim amount includes: the remaining claim amount and/or the remaining claim number; the determining of the remaining claim amount corresponding to the shared claim policy includes: determining a plurality of second users corresponding to the shared claim settlement strategy, and historical claim settlement times and/or historical claim settlement amount corresponding to each second user; and determining the remaining claim amount and/or the remaining claim number according to the historical claims number and/or the historical claims amount.

Optionally, when the intermediate claim settlement policy is an exclusive claim settlement policy, the intermediate claim settlement policy is used as a target claim settlement policy corresponding to the first user.

Optionally, in a case that the encoding information includes a new second user code, the method further includes: and generating a new service message according to the newly added second user code and the target claim settlement strategy corresponding to the code information, and adding the new service message to the message queue.

Optionally, the method further comprises: responding to a guarantee-withdrawal request, and determining a second user code to be deleted corresponding to the guarantee-withdrawal request; determining whether a target claim settlement strategy corresponding to the second user code to be deleted meets a deletion condition; and if so, deleting the second user code to be deleted from the code information, and deleting the service message corresponding to the second user code to be deleted from the message queue.

Optionally, the method further comprises: and verifying the idempotency of each service message in the message queue according to a preset period.

To achieve the above object, according to still another aspect of the embodiments of the present invention, an apparatus for processing a service message is provided.

The device for processing the service message in the embodiment of the invention comprises:

the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring a data message which indicates a first user code to be claimed;

the determining module is used for determining a first user and coding information corresponding to the first user according to the first user code;

the claim settlement module is used for determining a target claim settlement strategy corresponding to the coding information;

the storage module is used for generating a service message according to the association relation among the target claim settlement strategy, the first user and the coding information and storing the service message to a message queue;

and the consumption module is used for consuming the service messages in the message queue so as to realize the claim settlement of the first user by utilizing the target claim settlement strategy.

To achieve the above object, according to still another aspect of the embodiments of the present invention, there is provided an electronic device for service message processing.

An electronic device for processing a service message according to an embodiment of the present invention includes: one or more processors; the storage device is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors implement the method for processing the service message according to the embodiment of the invention.

To achieve the above object, according to still another aspect of embodiments of the present invention, there is provided a computer-readable storage medium.

A computer-readable storage medium of an embodiment of the present invention stores thereon a computer program, which, when executed by a processor, implements a method of service message processing of an embodiment of the present invention.

One embodiment of the above invention has the following advantages or benefits: on the basis of the data messages, the target claim settlement strategy can be automatically matched, the business messages are generated, and the business messages are stored in a message queue for subsequent consumption. A bridge between the three-party insurance department and the insurance system is established, so that manpower and material resources are saved, and fast and automatic claim settlement service is realized.

Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

fig. 1 is a schematic diagram of the main steps of a method of service message processing according to an embodiment of the present invention;

FIG. 2 is a diagram illustrating the main steps of determining a target claim settlement policy corresponding to encoded information, according to an embodiment of the present invention;

FIG. 3 is a diagram illustrating the main steps of determining the remaining claim amount corresponding to the shared claims policy, according to an embodiment of the present invention;

FIG. 4 is a schematic diagram of the main steps for deleting a second user according to an embodiment of the present invention;

fig. 5 is a schematic diagram illustrating major steps of a service message processing method in a specific application scenario according to an embodiment of the present invention;

fig. 6 is a schematic diagram of main modules of an apparatus for service message processing according to an embodiment of the present invention;

FIG. 7 is an exemplary system architecture diagram in which embodiments of the present invention may be employed;

fig. 8 is a schematic structural diagram of a computer system suitable for implementing a terminal device or a server according to an embodiment of the present invention.

Detailed Description

Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

It should be noted that the embodiments of the present invention and the technical features of the embodiments may be combined with each other without conflict.

In the existing insurance claim settlement process, a plurality of managers of a three-party insurance department (insurance provider), an insurance service platform (product provider) and a claim settlement company (claim payment amount party) are required to cooperate together to complete final claim settlement, that is, data messages need to be transmitted among the plurality of systems for a plurality of times to achieve the final claim settlement effect, and in the message processing process of each manager, problems or errors may exist, which causes the final claim settlement failure and makes it difficult to accurately determine the problem party with the problems. Therefore, the embodiment of the invention provides a way that a three-party insurance company (insurance provider), an insurance service platform (product provider) and a claim settlement company (claim amount provider) can be associated, a claim settlement policy provided by the insurance service platform is associated with coding information provided by the three-party insurance company, a business message is generated and put into a message queue, and the claim settlement company can directly make a claim without other complex processes by traversing all claim settlement messages from the message queue.

Fig. 1 is a schematic diagram of main steps of a method of service message processing according to an embodiment of the present invention.

As shown in fig. 1, the method for processing service messages according to the embodiment of the present invention mainly includes the following steps:

step S101: acquiring a data message, wherein the data message indicates a first user code to be claimed;

step S102: determining a first user and coding information corresponding to the first user according to the first user code;

step S103: determining a target claim settlement strategy corresponding to the coding information;

step S104: generating a service message according to the target claim settlement strategy and the incidence relation between the first user and the coding information, and storing the service message to a message queue;

step S105: and consuming the business messages in the message queue to realize the claim settlement of the first user by using the target claim settlement strategy.

In the practical application process, after receiving policy data, the insurance system notifies the claim settlement system through MQ message, where the MQ message is the data message in the embodiment of the present application, and indicates the first user code to be claimed, the policy number, the three-party insurance information, the coding information, and other policy information. It should be noted that, in a data message, the first user code, the policy number, and the coding information are all in one-to-one correspondence. Through the first user code to be claimed in the data message, the corresponding first user and the code information corresponding to the first user can be determined.

In order to avoid the situation that the claim system consumes repeatedly due to the fact that the MQ messages send the data messages repeatedly, the uniqueness of the data messages needs to be guaranteed. In an alternative embodiment, a lock, i.e., a string of characters, may be created using the policy number and the first user code, and the idempotent of the string of characters may be verified to ensure uniqueness of the data message.

The first user may be one or more users handling claim settlement services, and the first user code may be an identity card number indicating the identity of the first user or other codes corresponding to the first user one to one.

In an alternative embodiment, the target claim policy is a claim policy corresponding to the encoded information and matched from a claim library, and the claim policy includes conditional restrictions related to claims, such as: the method comprises a claim settlement mode, a claim exemption amount, a single claim exemption amount, a claim upper limit, a single claim upper limit, claim times and the like.

In an alternative embodiment, the encoded information comprises: a version code, a seed code, a product code, and one or more second user codes. Wherein the second user code is an identification number or other code indicative of the identity of the insured person corresponding to the version code, the risk seed code, the product code. It is worth mentioning that one policy number corresponds to a unique version code, a risk code and a product code, and corresponds to one or more insured persons (namely, a second user code), when a claim processing service is required, the insured person to be claimed is required to actively go to a three-party insurance department or a claim processing organization for processing, so that the first user code belongs to the second user code and can be one or more of the second user codes.

The version code can also be called a plan code and is a version number set during the opening of an insurance risk species provided by the insurance department/insurance agency, and if the insurance risk species does not reach the expectation during the opening, the plan code of the insurance risk species is adjusted to be used as the version number of the next product; the insurance risk code can also be called responsibility code, which is the code corresponding to the responsibility detail description corresponding to the insurance risk provided by the insurer/insured generation; the product code is a product packaged by aiming at a specific insurance risk provided by an insurance service platform aiming at a cooperative insurance department/generation, and the generated unique identifier corresponds to the product one by one.

On the basis that the coding information comprises a version code, an adventure code, a product code and one or more second user codes, in an optional implementation mode of the invention, association relations respectively corresponding to the one or more second user codes are generated according to the version code, the adventure code and the product code. The association relationship is generated by utilizing the four codes, so that a three-party insurance department (insurance provider), an insurance service platform (product provider) and a claim settlement company (claim amount provider) can be associated through the same association relationship, and further, the related information of the three-party insurance department, the insurance service platform and the claim settlement company can be directly obtained from the correspondingly generated business message, so that the insurance provider, the product provider and the claim amount provider perform business message interaction based on the association relationship in the claim process, and the processing efficiency of the business message is improved.

In the claim settlement strategy, the claim settlement modes are divided into independent claim settlement and shared claim settlement, and different determination methods are required according to different claim settlement modes. In an optional embodiment, in the case that the intermediate claim settlement policy is an exclusive claim settlement policy, the intermediate claim settlement policy is used as a target claim settlement policy corresponding to the first user. In another alternative embodiment, determining the target claim settlement policy corresponding to the encoding information, as shown in fig. 2, includes:

step S201: determining intermediate claim settlement strategies corresponding to the version codes, the risk codes and the product codes;

step S202: and under the condition that the intermediate claim settlement strategy is the shared claim settlement strategy, determining a remaining claim amount corresponding to the shared claim settlement strategy, and determining a target claim settlement strategy corresponding to the first user according to the remaining claim amount.

The independent claim sharing means that only one second user (insured person) is provided corresponding to the version code, the risk type code and the product code, and the shared claim sharing means that more than one second user (insured person) is provided corresponding to the version code, the risk type code and the product code and is required to share the claim sharing strategy. In the practical application process, claims are usually settled according to the order of the claims, that is, a user who applies for settlement first uses the claim amount first, and after the claim amount is used, subsequent users cannot enjoy the claims any more, so that the remaining claim amount corresponding to the claim sharing policy needs to be determined first. If the remaining claim amount exists, the first user to be claimed can continue to enjoy the claim, and if the remaining claim amount does not exist, the claim cannot be claimed.

By aiming at the processing modes of two different claim settlement modes, namely shared claim settlement and independent claim settlement, on one hand, the obtained target claim settlement strategy is more accurate, and the claim settlement strategy matching errors caused by different claim settlement modes can be avoided. Furthermore, the target claim settlement strategy corresponding to the first user is determined according to the remaining claim quota, so that the condition of excess claim payment in the claim settlement process can be avoided, and the legal rights and interests of a three-party insurance department, an insurance service platform and a claim settlement company are guaranteed. On the other hand, through providing two different claim settlement modes, the user can select a suitable claim settlement mode according to the self condition conveniently, and therefore the user experience is improved.

In a further optional embodiment, the remaining claim amount comprises: the remaining claim amount and/or the remaining claim number, and the step of determining the remaining claim amount corresponding to the shared claim policy in step S202, as shown in fig. 3, includes:

step S301: determining a plurality of second users corresponding to the sharing claim settlement strategy, and historical claim settlement times and/or historical claim settlement amount corresponding to each second user;

step S302: and determining the remaining claim amount and/or the remaining claims number according to the historical claims number and/or the historical claim amount.

Illustratively, suppose that the shared claim settlement policy corresponds to three second users, namely user a, user B and user C, the number of claim settlement times is 10, the upper limit of claim settlement is 10 ten thousand yuan, and the upper limit of single claim settlement is 2 ten thousand yuan. Assuming that the user A has applied for 4 claims, each claim pays 1 ten thousand yuan, the total payment amount of the user A is 4 ten thousand yuan; when the user C applies for claim settlement as the first user, although the total number of claims is only 7 times, no remaining claim amount exists, and therefore the user C cannot enjoy the claim settlement.

That is to say, the embodiments of the present invention pay in turn according to the application time of the claims-paying user, and the claim amount and/or the claim number of the first claims-paying user is used as the historical claim number and/or the historical claim amount of the next claims-paying user. The steps of determining the plurality of second users corresponding to the shared claim policy, and the historical claim number and/or the historical claim amount corresponding to each second user, and then determining the remaining claim amount and/or the remaining claim number can ensure that the determined remaining claim amount is more reasonable, and the claim payment is performed according to the time sequence, so that the timeliness of the claim payment is ensured, and the over-payment condition caused by the error determination of the remaining claim amount when the claim payment is performed on a plurality of users to be claimed is avoided. Therefore, the rights and interests of the money paying party are guaranteed, and disputes among a plurality of second users can be avoided by paying according to the time sequence, so that the user experience is improved.

There are also situations in which an insured person, i.e. a second user, may be added during an insurance claim. Therefore, in an optional embodiment, in the case that the encoding information includes a new second user code, the method further includes: and generating a new service message according to the newly added second user code and the target claim settlement strategy corresponding to the code information, and adding the new service message to the message queue. Through the steps, when a new insured person (a second user) is added, the target claim settlement strategy can be quickly matched for the new insured person only according to the target claim settlement strategy corresponding to the coding information, and the corresponding service message is generated, so that the subsequent quick consumption of the service message is facilitated. Therefore, the processing efficiency of the service message is improved, and the new insured person can conveniently and quickly settle the claims.

Similarly, there are also situations in which the insured person is refunded, i.e., the second user is deleted, in the insurance claim settlement process. Thus, in an alternative embodiment, as shown in fig. 4, the method further comprises:

step S401: responding to the guarantee-withdrawal request, and determining a second user code to be deleted corresponding to the guarantee-withdrawal request;

step S402: determining whether a target claim settlement strategy corresponding to the second user code to be deleted meets a deletion condition;

if yes, go to step S403: deleting the second user code to be deleted from the code information, and deleting the service message corresponding to the second user code to be deleted from the message queue;

otherwise, step S404 is executed: and ending the flow.

When the target claim settlement policy is a shared claim, because a plurality of second users have a interest sharing relationship and may have some requirements for refunding, it is necessary to determine whether the target claim settlement policy corresponding to the second user code to be deleted satisfies the deletion condition. When the target claim policy is an exclusive claim, step S403 may be directly performed after step S401 without performing step S402.

Through the step of generating the service message according to the target claim settlement strategy and the incidence relation between the first user and the coding information, when the second user is deleted, the corresponding service message in the message queue can be deleted only according to the coding of the second user, so that the deleted service message corresponding to the second user cannot be traversed when the service message in the message queue is traversed in the subsequent claim process, the processing efficiency of the service message is improved, and the purpose of avoiding the claim of the insured person can be achieved.

For the deleting process in step S403, in an optional embodiment, the original association relationship is not directly deleted, but the logical relationship is deleted, that is, the state value of the original association relationship is modified to 0, so that even if the deleted association relationship is to be queried subsequently, the query can be performed through screening the state value, and the permanent deletion of the data is not caused.

In an alternative embodiment, it is also necessary to ensure the uniqueness of the service messages in the message queue, so that the idempotency of each service message in the message queue can be verified according to a preset period.

Fig. 5 shows a method for processing a service message in a specific application scenario according to an embodiment of the present invention. As shown in fig. 5, includes:

step S501: monitoring the MQ message to obtain the data message in the MQ message;

step S502: creating a lock according to the policy number and the first user code in the data message;

step S503: verifying the idempotency of the lock and deleting the repeated lock;

step S504: determining a first user, and a version code, a risk seed code, a product code and one or more second user codes corresponding to the first user according to the first user code;

step S505: determining intermediate claim settlement strategies corresponding to the version codes, the dangerous seed codes and the product codes;

step S506: judging whether the intermediate claim settlement strategy is a shared claim settlement strategy or not;

for the case of sharing the claim settlement policy, executing steps S507 to S510;

step S507: searching whether a corresponding service message exists in a message queue according to the incidence relation between the first user and the coding information; if yes, directly execute step S509; otherwise, step S508 and step S509 are executed in sequence;

step S508: generating a service message according to the target claim settlement strategy and the incidence relation between the first user and the coding information, and storing the service message to a message queue;

step S509: verifying the idempotency of the service messages in the message queue;

step S510: consuming the verified service message to realize the claim settlement of the first user by using a target claim settlement strategy;

for the case of exclusive claim policy, steps S511 to S513 are performed

S511: taking the intermediate claim settlement strategy as a target claim settlement strategy corresponding to the first user, generating a service message according to the target claim settlement strategy and the incidence relation between the first user and the coding information, and storing the service message into a message queue;

step S512: verifying the idempotency of the service messages in the message queue;

step S513: and consuming the service messages passing the verification so as to realize the claim settlement of the first user by using the target claim settlement strategy.

According to the method for processing the service messages, the target claim settlement strategy can be automatically matched on the basis of the data messages, the service messages are generated, and the service messages are stored in the message queue for subsequent consumption. A bridge between the three-party insurance department and the insurance system is established, manpower and material resources are saved, and fast and automatic claim settlement service is realized.

Fig. 6 is a schematic diagram of main blocks of an apparatus for service message processing according to an embodiment of the present invention.

As shown in fig. 6, the apparatus 600 for processing service messages according to the embodiment of the present invention includes:

an obtaining module 601, configured to obtain a data message, where the data message indicates a first user code to be claimed;

a determining module 602, configured to determine, according to the first user code, a first user and code information corresponding to the first user;

the claim settlement module 603 is configured to determine a target claim settlement policy corresponding to the encoding information;

the storage module 604 is configured to generate a service message according to the association relationship between the target claim settlement policy and the first user and the encoded information, and store the service message in a message queue;

a consuming module 605, configured to consume the service message in the message queue, so as to implement the claim settlement of the first user by using the target claim settlement policy.

In an alternative embodiment, the encoded information comprises: the storage module 604 is further configured to generate association relationships respectively corresponding to the one or more second user codes according to the version code, the risky seed code, and the product code.

In an optional embodiment, the claim settlement module 603 is further configured to determine an intermediate claim settlement policy corresponding to the version code, the seed code, and the product code; and under the condition that the intermediate claim settlement strategy is a shared claim settlement strategy, determining a remaining claim amount corresponding to the shared claim settlement strategy, and determining a target claim settlement strategy corresponding to the first user according to the remaining claim amount.

In an alternative embodiment, the remaining claim amount comprises: the remaining claim amount and/or the remaining claim number; the claim settling module 603 is further configured to determine a plurality of second users corresponding to the shared claim settling policy, and a historical number of claims and/or a historical claim amount corresponding to each of the second users; and determining the remaining claim amount and/or the remaining claim number according to the historical claim number and/or the historical claim amount.

In an optional embodiment, in a case that the intermediate claim settlement policy is an exclusive claim settlement policy, the intermediate claim settlement policy is used as a target claim settlement policy corresponding to the first user.

In an optional embodiment, in a case that the coding information includes a new second user code, the apparatus further includes a new adding module, configured to generate a new service message according to the new second user code and a target claim settlement policy corresponding to the coding information, and add the new service message to the message queue.

In an optional embodiment, the apparatus further includes a deletion module, configured to determine, in response to a guarantee-back request, a second user code to be deleted corresponding to the guarantee-back request; determining whether a target claim settlement strategy corresponding to the second user code to be deleted meets a deletion condition; and if so, deleting the second user code to be deleted from the code information, and deleting the service message corresponding to the second user code to be deleted from the message queue.

In an optional embodiment, the apparatus further includes a verification module, configured to verify idempotency of each service message in the message queue according to a preset period.

According to the device for processing the business messages, the target claim settlement strategy can be automatically matched on the basis of the data messages, the business messages are generated, and the business messages are stored in the message queue for subsequent consumption. A bridge between the three-party insurance department and the insurance system is established, so that manpower and material resources are saved, and fast and automatic claim settlement service is realized.

Fig. 7 illustrates an exemplary system architecture 700 to which a method of service message processing or an apparatus of service message processing of an embodiment of the present invention may be applied.

As shown in fig. 7, the system architecture 700 may include terminal devices 701, 702, 703, a network 704, and a server 705. The network 704 serves to provide a medium for communication links between the terminal devices 701, 702, 703 and the server 705. Network 704 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

A user may use the terminal devices 701, 702, 703 to interact with a server 705 over a network 704, to receive or send messages or the like. Various communication client applications, such as shopping applications, web browser applications, search applications, instant messaging tools, mailbox clients, social platform software, and the like, may be installed on the terminal devices 701, 702, and 703.

The terminal devices 701, 702, 703 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 705 may be a server providing various services, such as a background management server providing support for service messages initiated by users using the terminal devices 701, 702, 703. The background management server may analyze and process the received data such as the service message, and feed back a processing result (e.g., a target claim settlement policy) to the terminal device.

It should be noted that the method for processing the service message provided by the embodiment of the present invention is generally executed by the server 705, and accordingly, the apparatus for processing the service message is generally disposed in the server 705.

It should be understood that the number of terminal devices, networks, and servers in fig. 7 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Referring now to FIG. 8, shown is a block diagram of a computer system 800 suitable for use with a terminal device implementing an embodiment of the present invention. The terminal device shown in fig. 8 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.

As shown in fig. 8, a computer system 800 includes a Central Processing Unit (CPU)801 which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)802 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 803. In the RAM 803, various programs and data necessary for the operation of the system 800 are also stored. The CPU 801, ROM 802, and RAM 803 are connected to each other via a bus 804. An input/output (I/O) interface 805 is also connected to bus 804.

The following components are connected to the I/O interface 805: an input portion 806 including a keyboard, a mouse, and the like; an output section 807 including a signal such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 808 including a hard disk and the like; and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the internet. A drive 810 is also connected to the I/O interface 805 as necessary. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 810 as necessary, so that a computer program read out therefrom is mounted on the storage section 808 as necessary.

In particular, according to the embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 809 and/or installed from the removable medium 811. The computer program executes the above-described functions defined in the system of the present invention when executed by the Central Processing Unit (CPU) 801.

It should be noted that the computer readable medium shown in the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In contrast, in the present invention, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems that perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The modules described in the embodiments of the present invention may be implemented by software or hardware. The described modules may also be provided in a processor, which may be described as: a processor includes an acquisition module, a determination module, a claims module, a storage module, and a consumption module. The names of these modules do not in some cases constitute a limitation on the module itself, for example, the acquiring module may also be described as a "module for acquiring data messages".

As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be separate and not incorporated into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to comprise: obtaining a data message indicating a first user code to be claimed; determining a first user and coding information corresponding to the first user according to the first user code; determining a target claim settlement strategy corresponding to the coding information; generating a service message according to the target claim settlement strategy, the first user and the incidence relation of the coding information, and storing the service message to a message queue; and consuming the business messages in the message queue to realize the claim settlement of the first user by using the target claim settlement strategy.

According to the technical scheme of the embodiment of the invention, the target claim settlement strategy can be automatically matched on the basis of the data message, the business message is generated, and the business message is stored in the message queue for subsequent consumption. Therefore, a bridge between the three-party insurance department and the insurance system is established, manpower and material resources are saved, and quick and automatic claim settlement service is realized.

The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims (11)

1. A method for processing a service message, comprising:

obtaining a data message indicating a first user code to be claimed;

determining a first user and coding information corresponding to the first user according to the first user code;

determining a target claim settlement strategy corresponding to the coding information;

generating a service message according to the target claim settlement strategy, the first user and the incidence relation of the coding information, and storing the service message to a message queue;

and consuming the business messages in the message queue to realize the claim settlement of the first user by using the target claim settlement strategy.

2. The method of claim 1, wherein the encoded information comprises: a version code, a seed code, a product code, and one or more second user codes, the method further comprising:

and generating association relations respectively corresponding to the one or more second user codes according to the version codes, the dangerous seed codes and the product codes.

3. The method according to claim 1, wherein the determining a target claim settlement policy corresponding to the encoded information comprises:

determining an intermediate claim settlement strategy corresponding to the version code, the dangerous seed code and the product code;

and under the condition that the intermediate claim settlement strategy is a shared claim settlement strategy, determining a remaining claim amount corresponding to the shared claim settlement strategy, and determining a target claim settlement strategy corresponding to the first user according to the remaining claim amount.

4. The method of claim 3, wherein the remaining claim amount comprises: the remaining claim amount and/or the remaining claim number; the determining of the remaining claim amount corresponding to the shared claim policy includes:

determining a plurality of second users corresponding to the shared claim settlement strategy, and historical claim settlement times and/or historical claim settlement amount corresponding to each second user;

and determining the remaining claim amount and/or the remaining claim number according to the historical claims number and/or the historical claims amount.

5. The method of claim 3,

and when the intermediate claim settlement strategy is an exclusive claim settlement strategy, taking the intermediate claim settlement strategy as a target claim settlement strategy corresponding to the first user.

6. The method of claim 2, wherein in the case that the encoding information includes a new second user code, further comprising:

and generating a new service message according to the newly added second user code and the target claim settlement strategy corresponding to the code information, and adding the new service message to the message queue.

7. The method of claim 2, further comprising:

responding to a guarantee-withdrawal request, and determining a second user code to be deleted corresponding to the guarantee-withdrawal request;

determining whether a target claim settlement strategy corresponding to the second user code to be deleted meets a deletion condition;

and if so, deleting the second user code to be deleted from the code information, and deleting the service message corresponding to the second user code to be deleted from the message queue.

8. The method of claim 1, further comprising:

and verifying the idempotency of each service message in the message queue according to a preset period.

9. An apparatus for processing service messages, comprising:

the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring a data message which indicates a first user code to be claimed;

the determining module is used for determining a first user and coding information corresponding to the first user according to the first user code;

the claim settlement module is used for determining a target claim settlement strategy corresponding to the coding information;

the storage module is used for generating a service message according to the association relation among the target claim settlement strategy, the first user and the coding information and storing the service message to a message queue;

and the consumption module is used for consuming the service messages in the message queue so as to realize the claim settlement of the first user by utilizing the target claim settlement strategy.

10. An electronic device for processing a service message, comprising:

one or more processors;

a storage device to store one or more programs,

when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-8.

11. A computer-readable 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 1-8.

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