CN114612252A - Policy data processing method and device, electronic equipment and storage medium - Google Patents
Policy data processing method and device, electronic equipment and storage medium Download PDFInfo
- Publication number
- CN114612252A CN114612252A CN202210249429.9A CN202210249429A CN114612252A CN 114612252 A CN114612252 A CN 114612252A CN 202210249429 A CN202210249429 A CN 202210249429A CN 114612252 A CN114612252 A CN 114612252A
- Authority
- CN
- China
- Prior art keywords
- policy
- insurance
- data
- asset
- difference
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000003672 processing method Methods 0.000 title claims abstract description 31
- 238000012545 processing Methods 0.000 claims abstract description 30
- 238000000034 method Methods 0.000 claims abstract description 17
- 230000008859 change Effects 0.000 claims description 18
- 238000004590 computer program Methods 0.000 claims description 15
- 230000007246 mechanism Effects 0.000 claims description 12
- 230000002146 bilateral effect Effects 0.000 claims description 8
- 238000012544 monitoring process Methods 0.000 claims description 8
- 230000008520 organization Effects 0.000 claims description 8
- 238000006243 chemical reaction Methods 0.000 claims description 4
- BQCADISMDOOEFD-UHFFFAOYSA-N Silver Chemical compound [Ag] BQCADISMDOOEFD-UHFFFAOYSA-N 0.000 description 19
- 229910052709 silver Inorganic materials 0.000 description 19
- 239000004332 silver Substances 0.000 description 19
- 239000003795 chemical substances by application Substances 0.000 description 14
- 238000004891 communication Methods 0.000 description 8
- 238000010586 diagram Methods 0.000 description 8
- 238000004364 calculation method Methods 0.000 description 3
- 230000007704 transition Effects 0.000 description 3
- 230000009286 beneficial effect Effects 0.000 description 2
- 230000003287 optical effect Effects 0.000 description 2
- 230000001502 supplementing effect Effects 0.000 description 2
- 230000002776 aggregation Effects 0.000 description 1
- 238000004220 aggregation Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 230000006870 function Effects 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 230000008569 process Effects 0.000 description 1
- 238000012216 screening Methods 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention provides a policy data processing method, a policy data processing device, electronic equipment and a storage medium, wherein the method comprises the following steps: acquiring first system policy data; establishing a policy corresponding relation between second system policy data and first system policy data by taking an insurance agency code and a personal policy number as matching items, and determining policy summary data based on the second system policy data, the first system policy data and the policy corresponding relation; determining an asset differential policy based on the policy summary data; and performing information completion on the asset difference insurance policy based on the difference type corresponding to the asset difference insurance policy. The method and the device provided by the invention improve the efficiency of policy data processing, reduce the time of policy data processing and improve the policy data quality of the bank reimbursement insurance business.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a policy data processing method, a policy data processing device, electronic equipment and a storage medium.
Background
The bank insurance system provides agency insurance service for the clients handling insurance business in the bank. The business data of the bank agent insurance policy in the bank insurance system is realized by the batch return of the insurance institution, and the problems of untimely, inaccurate and incomplete return data of the insurance institution exist.
The bank insurance system is a third-party financial basic data system between a bank and an insurance institution, the insurance institution needs to record business detail data into the system within a specified period, and the system can provide the most timely, most accurate and most complete insurance business data in the industry.
In the prior art, insurance business data in a bank insurance system is generally required to be acquired and compared with insurance business data in a bank insurance communication system after calculation, and the insurance policy data processing is finished manually. The existing insurance policy data processing cycle is long, the efficiency is low, the timeliness is poor, and the data quality of the bank reimbursement insurance business is poor.
Disclosure of Invention
The invention provides a policy data processing method, a policy data processing device, electronic equipment and a storage medium, which are used for solving the technical problems of long processing period, low efficiency and poor timeliness of the existing policy data.
The invention provides a policy data processing method, which comprises the following steps:
acquiring first system policy data;
establishing a policy corresponding relation between second system policy data and first system policy data by taking an insurance agency code and a personal policy number as matching items, and determining policy summary data based on the second system policy data, the first system policy data and the policy corresponding relation;
determining an asset differential policy based on the policy summary data;
performing information completion on the asset difference policy based on the difference type corresponding to the asset difference policy;
the first system is an insurance business data monitoring system, and the second system is a bank agent insurance business system.
According to the policy data processing method provided by the invention, the information completion of the asset difference policy is carried out based on the difference type corresponding to the asset difference policy, and the method comprises the following steps:
if the difference type corresponding to the asset difference policy is the unilateral difference policy of the first system, confirming whether the asset difference policy is a bank agency sales policy, and if so, complementing policy information in the asset difference policy;
if the difference type corresponding to the asset difference policy is a second system unilateral difference policy, sending the policy number in the asset difference policy to a first system, and acquiring policy information corresponding to the asset difference policy output by the first system based on the policy number;
and if the difference type corresponding to the asset difference insurance policy is a bilateral asset difference insurance policy, performing information completion on the asset difference insurance policy based on the insurance policy after-sale data returned by the insurance mechanism corresponding to the asset difference insurance policy.
According to the policy data processing method provided by the present invention, the determining of the policy summary data based on the second system policy data, the first system policy data and the policy corresponding relationship further comprises:
summarizing the asset value of first system insurance policy data in the insurance policy summarizing data to obtain a first system total asset value;
summarizing the asset value of second system insurance policy data in the insurance policy summarizing data to obtain the total asset value of a second system;
determining a policy total asset value difference based on the first system total asset value and the second system total asset value.
According to the policy data processing method provided by the invention, the asset difference policy determination based on the policy summary data comprises the following steps:
determining a matched policy and a non-matched policy in the policy summary data based on a policy corresponding relation between second system policy data and the first system policy data, and determining the non-matched policy as an asset difference policy;
and respectively determining a first asset value of the matched insurance policy in the second system and a second asset value of the matched insurance policy in the first system, and if the first asset value is not equal to the second asset value, determining the matched insurance policy as an asset difference insurance policy.
According to the policy data processing method provided by the invention, the policy corresponding relation between the second system policy data and the first system policy data is established by taking the insurance agency code and the personal policy number as matching items, and the policy corresponding relation comprises the following steps:
performing rule consistency adjustment on insurance agency codes and personal policy numbers in the policy data of the first system based on a code conversion rule between a second system and the first system;
matching the policy in the first system policy data after rule consistency adjustment with the policy in the second system policy data according to the insurance agency code and the personal policy number, and establishing the policy corresponding relation between the second system policy data and the first system policy data.
According to the policy data processing method provided by the invention, the acquiring of the first system policy data comprises the following steps:
acquiring a first system real charge insurance bill, a first system insurance policy information table, a first system insurance policy state change bill and a first system insurance policy basic information table;
determining a first system product asset information table based on the first system real charge insurance bill, the first system insurance policy information table and the first system insurance policy state change bill;
and determining the first system insurance policy data based on the first system product asset information table, the first system insurance policy state change list and the first system insurance policy basic information table.
The invention provides a policy data processing device, comprising:
the acquiring unit is used for acquiring first system policy data;
the collecting unit is used for establishing a policy corresponding relation between second system policy data and the first system policy data by taking an insurance organization code and a personal policy number as matching items, and determining policy collecting data based on the second system policy data, the first system policy data and the policy corresponding relation;
a determining unit for determining an asset differential policy based on the policy summary data;
the completion unit is used for performing information completion on the asset difference insurance policy based on the difference type corresponding to the asset difference insurance policy;
the first system is an insurance business data monitoring system, and the second system is a bank agent insurance business system.
The invention provides electronic equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the policy data processing method when executing the program.
The present invention provides a non-transitory computer-readable storage medium having stored thereon a computer program which, when executed by a processor, implements the policy data processing method.
The invention provides a computer program product comprising a computer program which, when executed by a processor, implements the policy data processing method.
The insurance policy data processing method, the device, the electronic equipment and the storage medium provided by the embodiment of the invention acquire first system insurance policy data, establish the insurance policy corresponding relation between second system insurance policy data and the first system insurance policy data by taking insurance agency codes and personal insurance policy numbers as matching items, determine the aggregated data of the insurance policies, determine asset difference insurance policies, perform information completion on the asset difference insurance policies according to the difference types corresponding to the asset difference insurance policies, realize automatic determination of asset difference between the second system and the first system, quickly position the asset difference insurance policies, improve the efficiency of insurance policy data processing, reduce the time for insurance policy data processing, improve the quality of the insurance policy data of bank reimbursement insurance business, provide powerful support for decision making of bank managers, improve the processing efficiency of bank workers, and when the bank adopts the data of an insurance business data supervision system to replace the batch return data of the insurance agency, the stable transition of the insurance policy asset scale can be ensured.
Drawings
In order to more clearly illustrate the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the description of the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts.
FIG. 1 is a schematic flow chart of a policy data processing method according to the present invention;
FIG. 2 is a block diagram of an implementation of the policy data processing method provided by the present invention;
FIG. 3 is a schematic structural diagram of a policy data processing device according to the present invention;
FIG. 4 is a second schematic structural diagram of a policy data processing device according to the present invention;
fig. 5 is a schematic structural diagram of an electronic device provided in the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention clearer, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings, and it is obvious that the described embodiments are some, but not all embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that the terms "first", "second", etc. in the present invention are used for distinguishing similar objects, and are not necessarily used for describing a particular order or sequence.
Fig. 1 is a schematic flow chart of a policy data processing method provided by the present invention, and as shown in fig. 1, the method includes step 110, step 120, step 130 and step 140.
And step 110, acquiring first system policy data.
Specifically, the first system in the embodiment of the present invention is an insurance business data monitoring system, such as a bank insurance system; the second system is a bank agent insurance business system, such as a bank insurance system.
Fig. 2 is a framework diagram of an implementation of the policy data processing method provided by the present invention, and as shown in fig. 2, the policy data processing method includes an insurance mechanism 210, a second system 220 (a bank protection system) and a first system 230 (a bank protection system). Wherein the second system 220 is used for bank agent sales insurance business. The insurance mechanism 210 transmits the insurance policy volume data (including policy first-time data and insurance policy after-sale data) to the first system 230 within a specified period, and transmits the insurance after-sale data to the second system 220 in a batch return mode. The second system 220 is communicatively coupled to the first system 230 to obtain the policy inventory data from the first system.
The policy data processing method provided by the embodiment of the invention is applied to the second system, and the execution subject can be a server in the second system.
The first system policy data is insurance business data in the first system. For the second system, the insurance policy data of the first system can be acquired by accessing the first system, so that the insurance service data acquired by batch return of an insurance agency is gradually replaced. For the bank agent policy, its policy header data is recorded in the second system. Thereafter, the renewal payment, premium increase or decrease, etc. data for the policy may be recorded at the insurance institution and not timely, completely and accurately recorded in the second system, thus requiring the second system to obtain from the first system.
And step 120, establishing a policy corresponding relation between the second system policy data and the first system policy data by taking the insurance agency code and the personal policy number as matching items, and determining policy summary data based on the second system policy data, the first system policy data and the policy corresponding relation.
Specifically, the second system policy data is insurance service data in the second system. Insurance business data is stored in the form of insurance policies.
Considering that a policy can be uniquely determined by the insurance agency code and the personal policy number in the policy, the policy corresponding relation between the second system policy data and the first system policy data is established by taking the insurance agency code and the personal policy number as matching items. The policy corresponding relation refers to the corresponding relation between the policy data of the same policy in the second system and the policy data in the first system. For example, for the same customer 001 who purchased insurance from insurance agency B at bank a for the bank agent's sale, a first policy for that customer is generated in the second system, the policy containing only policy header data, the policy having insurance agency code B and personal policy number 001. The customer subsequently renews the policy through insurance agency B, and insurance after-market data for the policy is generated. The insurance mechanism B sends insurance policy initial date data and insurance after-sale data to the first system. The first system records a second policy for the customer, with policy insurance agency code B and personal policy number 001. The first policy in the second system and the second policy in the first system are the same policy for the customer, and there is a correspondence. Can be obtained by matching the insurance agency code and the personal insurance policy number in the two systems.
The policy in the second system policy data and the policy in the first system policy data can be in one-to-one correspondence through the policy correspondence, and the policy summary data is generated after the summary.
In particular, the asset value should be consistent in the second system and the first system for the same policy.
From the policy summary data, asset value in the second system and asset value in the first system for the same policy may be determined. And comparing the asset values in the two systems, and determining whether the policy has asset difference according to the comparison result. If an asset difference occurs, the policy may be treated as an asset difference policy.
And 140, performing information completion on the asset difference insurance policy based on the difference type corresponding to the asset difference insurance policy.
Specifically, the difference types corresponding to the asset difference policy include a first system one-sided difference policy, a second system one-sided difference policy, and a two-sided asset difference policy.
The unilateral differential policy of the first system refers to a policy which can be inquired in the first system and cannot be inquired in the second system. The unilateral differential policy of the second system refers to the policy which can be inquired in the second system but can not be inquired in the first system. A bilateral asset differential policy is a policy that can be queried on both the first system and the second system, but where the asset values of the policy are not equal on both systems.
The reason for the asset discrepancy is that insurance business information in the two systems is not consistent, thereby causing a bias in calculating asset value. And according to the difference type corresponding to the asset difference insurance policy, performing information completion on the asset difference insurance policy.
For example, for a single-sided differential policy of the first system, information may be supplemented by a bank agent that confirms whether the policy is missing to sell the policy; for the unilateral difference policy of the second system, the unilateral difference policy can be obtained by re-inquiring the policy number of the policy in the first system; for bilateral asset differential policy, information replenishment may be performed by obtaining policy after-market data.
The insurance policy data processing method provided by the embodiment of the invention obtains the first system insurance policy data, establishes the insurance policy corresponding relation between the second system insurance policy data and the first system insurance policy data by taking the insurance agency code and the personal insurance policy number as matching items, determines the insurance policy summary data, thereby determining the asset difference insurance policy, carries out information completion on the asset difference insurance policy according to the difference type corresponding to the asset difference insurance policy, realizes the automatic determination of the asset difference between the second system and the first system, and rapidly positions the asset difference insurance policy, improves the insurance policy data processing efficiency, reduces the time for processing the insurance policy data, improves the insurance policy data quality of the bank reimbursement insurance service, provides powerful support for decision making of bank managers, improves the processing efficiency of bank workers, and when the data of the bank adopting an insurance service data supervision system replaces the batch return data of the insurance agency, the stable transition of the insurance policy asset scale can be ensured.
Based on the above embodiment, step 140 includes:
if the difference type corresponding to the asset difference policy is the unilateral difference policy of the first system, confirming whether the asset difference policy is a bank agency sales policy, and if so, supplementing policy information in the asset difference policy;
if the difference type corresponding to the asset difference policy is the unilateral difference policy of the second system, the policy number in the asset difference policy is sent to the first system, and policy information corresponding to the asset difference policy output by the first system based on the policy number is obtained;
and if the difference type corresponding to the asset difference policy is the bilateral asset difference policy, performing information completion on the asset difference policy based on the after-sale data of the policy returned by the insurance mechanism corresponding to the asset difference policy.
Specifically, the order output of the second system has two common modes, one mode is online real-time order output, namely, a customer directly outputs the order at a bank counter through the second system, and the order output mode does not generate the unilateral difference policy of the first system; the other is offline issuing, and for some customers who cannot do online underwriting, the orders are issued in the insurance institution after the offline underwriting is passed, and the generated insurance policy is the unilateral difference insurance policy of the first system.
If the difference type corresponding to the asset difference policy is the unilateral difference policy of the first system, the bank personnel and the insurance organization can confirm whether the asset difference policy is the bank agent sales policy, and if so, the policy information in the asset difference policy can be supplemented in the second system.
If the difference type corresponding to the asset difference policy is a one-sided difference policy of the second system, this may be caused by a wrong policy number sent in the first system. At this time, the policy number in the asset differential policy may be sent to the first system, and the first system may query and output policy information corresponding to the asset differential policy according to the policy number.
If the difference type corresponding to the asset difference policy is the bilateral asset difference policy, the possible reason for this is that the insurance business data returned by the insurance mechanism in the batch return mode is not timely, accurate or incomplete. At this time, the insurance mechanism corresponding to the asset difference policy may be required to transmit back complete after-sales data of the policy, so as to perform information completion on the asset difference policy in the second system until the asset values in the second system and the first system are the same.
Based on any of the above embodiments, step 120 further includes:
summarizing the asset value of first system insurance policy data in the insurance policy summary data to obtain the total asset value of a first system;
summarizing the asset value of second system insurance policy data in the insurance policy summary data to obtain the total asset value of a second system;
a policy total asset value difference is determined based on the first system total asset value and the second system total asset value.
Specifically, the asset value of the first system policy and the asset value of the second system policy in the policy summary data may be summarized respectively at a set time point or within a set time range to obtain a first system total asset value and a second system total asset value, and after comparison, a policy total asset value difference value is obtained.
For a policy in the first system, if its policy state is terminated, its asset value is zero. And summing the product real payment premium in the insurance policy of which all insurance policy states are not terminated in the insurance policy summary data to obtain the total asset value of the first system.
For the policy in the second system, if the policy status is successful, the asset value is zero, otherwise the asset value of the policy is: the policy first-stage premium amount + all the transaction amount of the added insurance-all the transaction amount of the subtracted insurance + the transaction amount of the repeated effect. And summing the insurance policy asset values in the insurance policy of which all insurance policy states are not successful in underwriting in the insurance policy summary data to obtain the total asset value of the second system.
And setting a statistical time point I and a statistical time point II, acquiring the total insurance policy data between the two statistical time points, and determining the value difference of the total insurance policy assets. And classifying and screening the total asset value difference of the insurance policy according to fields such as an insurance acceptance area, a distribution bank and an insurance agency in the insurance policy to obtain a more subdivided total asset value difference of the insurance policy.
According to the policy data processing method provided by the embodiment of the invention, the asset value of the first system policy and the asset value of the second system policy are automatically classified, summarized and compared, so that the bank manager can know the asset scale of the first system and the second system at a single time point and the asset scale difference between two statistical time points in real time, powerful support is provided for the bank manager to make decisions, and the processing efficiency of the bank worker is improved.
Based on any of the above embodiments, step 130 includes:
determining a matched policy and a non-matched policy in the policy summary data based on the policy corresponding relation between the second system policy data and the first system policy data, and determining the non-matched policy as an asset difference policy;
and respectively determining a first asset value of the matched insurance policy in the second system and a second asset value of the matched insurance policy in the first system, and if the first asset value and the second asset value are not equal, determining the matched insurance policy as an asset difference insurance policy.
Specifically, according to the policy corresponding relation between the second system policy data and the first system policy data, the matching policy and the non-matching policy can be obtained from the policy summary data.
The non-matching policy is a policy that appears only in the first system and the second system, and includes a first-system one-sided differential policy and a first-system one-sided differential policy. Non-matching policies may be determined directly as asset differential policies.
Although the matched insurance policy appears in both the first system and the second system, the first asset value of the partial matched insurance policy in the second system is not equal to the second asset value in the first system due to untimely, inaccurate and incomplete return of insurance service data, so that the matched insurance policy with the first asset value and the second asset value being not equal can be determined as the asset difference insurance policy.
Based on any of the above embodiments, step 120 includes:
based on the code conversion rule between the second system and the first system, carrying out rule consistency adjustment on the insurance agency code and the personal insurance policy number in the insurance policy data of the first system;
matching the policy in the first system policy data and the policy in the second system policy data after the rule consistency adjustment according to the insurance agency code and the personal policy number, and establishing the policy corresponding relation between the second system policy data and the first system policy data.
Specifically, the second system and the first system may agree on transcoding rules, including personal policy number transcoding rules, insurance agency transcoding rules, underwriting area transcoding rules, and the like.
Before the policy in the first system policy data and the policy in the second system policy data are matched according to the insurance agency code and the personal policy number, the insurance agency code and the personal policy number may be subjected to rule-consistency adjustment according to the number rule in the second system policy data.
For banks and insurance agencies, policy numbers are typically determined according to agreed number rules. After acquiring the bank agent policy, the insurance agency may add a prefix code or a suffix code to the policy number of the bank agent policy to generate a personal policy number in the first system. For example, for customer 001, his personal policy number in the second system may be 001 and his personal policy number in the first system is XX 001. The rule consistency adjustment may be made by removing a prefix code or a suffix code.
Based on any of the above embodiments, step 110 includes:
acquiring a first system real charge insurance bill, a first system insurance policy information table, a first system insurance policy state change bill and a first system insurance policy basic information table;
determining a first system product asset information table based on a first system real charge insurance bill, a first system insurance policy information table and a first system insurance policy state change bill;
and determining first system insurance policy data based on the first system product asset information table, the first system insurance policy state change list and the first system insurance policy basic information table.
Specifically, the first system real-payment premium list, the first system policy risk information table, the first system risk state change list, the first system policy state change list, and the first system policy basic information table may be obtained from the first system.
The first system real charge insurance bill, the first system insurance policy information list and the first system insurance state change list are all related to the insurance product, so that the three information lists can be summarized to obtain the first system product asset information list.
On the basis, the first system policy state change list and the first system policy basic information table can be fused, and first system policy data can be obtained.
For example, the following method for acquiring and processing the silver insurance data in the silver insurance system includes:
step one, updating a bank insurance real charge list: and (3) importing all records with the date of the day into the bank insurance real-insurance premium bill list, matching the records according to the insurance agency code, the personal insurance number, the payment serial number, the personal insurance seed number and the bank insurance real-insurance premium bill list, directly inserting the records into the list if the records are not matched, and deleting the original records and inserting the records into the list if the records are matched.
And step two, updating the risk category information in the silver insurance product asset information table, importing all records with the date of the same day into the silver insurance policy risk category information table, matching according to the insurance agency code, the personal insurance policy number, the individual insurance policy number and the records in the silver insurance product asset information table, directly inserting the records into the table if the records are not matched, and updating the risk category information in the silver insurance product asset information table if the records are matched.
And step three, updating the security risk state in the bank insurance product asset information table, importing all records with the date of the same day in the bank insurance product asset state change list, matching according to the insurance agency code, the personal insurance policy number and the records in the bank insurance product asset information table, updating the security policy risk state in the bank insurance product asset information table if the records are matched, and directly skipping the non-processing if the records are not matched.
And step four, updating the security risk assets in the silver insurance product asset information table, summarizing the real payment amount according to the insurance organization code, the personal insurance policy number and the single insurance risk variety number in the silver insurance real payment list, matching the real payment amount with the records in the silver insurance product asset information table according to the four fields, updating the silver insurance risk assets in the silver insurance product asset information table if the real payment amount is matched with the records in the silver insurance product asset information table, and directly skipping to be unprocessed if the real payment amount is not matched with the records in the silver insurance product asset information table.
The bank insurance risk category asset calculation rule is as follows: if the product status is end, the bank insurance risk type asset is 0, otherwise, the bank insurance risk type asset is the sum of the actual sum of the product.
And step five, updating the silver insurance policy information in the silver insurance policy asset information table, importing all records with the date of the same day into the silver insurance policy basic information table, matching according to the insurance agency code, the personal insurance policy number and the records in the silver insurance policy asset information table, updating the silver insurance related information in the silver insurance policy asset information table if the records are matched, and inserting the records into the table if the records are not matched.
The bank insurance policy total asset calculation rule is as follows: if the policy status is terminated, the bank credit policy has a total asset of 0, otherwise the policy is the sum of all the bank credit security risk type assets in the policy.
And step six, updating the bank insurance policy state in the bank insurance policy asset information table, importing all records with the current date in a bank insurance policy state change list, matching according to the insurance agency code, the personal insurance policy number and the records in the bank insurance policy asset information table, updating the bank insurance policy state in the bank insurance policy asset information table if the records are matched, and directly skipping and not processing if the records are not matched.
And step seven, updating the bank insurance policy assets in the bank insurance policy asset information table, setting the updating date in the bank insurance policy asset information table as all records of the same day, summarizing the total insurance policy assets according to the insurance organization codes and the personal insurance policy numbers, matching the total insurance policy assets according to the insurance organization codes, the personal insurance policy numbers and the records in the bank insurance policy asset information table, updating the bank insurance policy assets in the bank insurance policy asset information table into the summarized insurance policy total assets if the records are matched and the policy state is not terminated, and directly skipping and not processing if the records are not matched.
Step eight, acquiring the update date in the bank insurance policy information table, and updating the bank insurance related information in the bank insurance policy asset information table according to the insurance agency code and the personal insurance policy number, wherein the update date comprises the following steps: the total assets of the bank protection and bank protection insurance policy, the state of the bank protection and bank protection insurance policy, the ending date of the bank protection and bank protection insurance policy, the date of issuing the bank protection policy, the number of the bank protection and bank protection transaction institution and the number of the bank protection and bank protection first-class bank institution.
And step nine, according to the insurance organization code and the first-level bank organization number, summarizing the bank insurance credit assets and the bank insurance communication assets and recording the collected assets into a bank insurance credit provincial asset information table.
Based on any of the above embodiments, fig. 3 is a schematic structural diagram of an insurance policy data processing apparatus provided by the present invention, as shown in fig. 3, the apparatus includes:
the data processing module 310 is configured to process basic data in the first system and the second system, so that other modules can use the processed data conveniently.
The asset comparison module 320 is configured to compare the asset sizes and the differences between the two statistical time points, so that a bank management level worker can query the first system asset, the difference between the first system asset and the first system asset, and the first system asset difference and the second system asset difference between the two statistical time points in real time at any time point. And supports downloading the query result.
The asset difference inventory query module 330 is configured to query a first system single-sided/second system single-sided/full-sided policy inventory of the first system and the second system policy assets that are different within a specified time interval. By inputting query conditions to obtain a policy date range, insurance institutions, individual policy numbers, selecting data sources and clicking for query, a policy list which meets the conditions and is different between the first system assets and the second system assets can be queried, and downloading is supported.
The policy additional recording module 340 is used for determining that the unilateral data of the first system found in the policy asset difference list query module of the first system and the second system belong to the bank policy after being confirmed by bank staff and insurance institutions, and can additionally record the bank agent sales policy missing in the second system through the policy additional recording module.
The policy data batch updating module 350 is configured to, for a policy in which the total assets of the second system policy and the total assets of the first system policy are inconsistent, that is, a bilateral policy, return missing policy after-sale data by a bank worker contacting the insurance mechanism through the existing batch policy information return function.
Based on any of the above embodiments, fig. 4 is a schematic structural diagram of an insurance policy data processing apparatus provided by the present invention, as shown in fig. 4, the apparatus includes:
an obtaining unit 410, configured to obtain first system policy data; the system comprises a first system, a second system and a monitoring and managing system, wherein the first system is an insurance service data monitoring and managing system, and the second system is a bank agent insurance service system;
a summarizing unit 420, configured to establish a policy correspondence between second system policy data and first system policy data by using the insurance agency code and the personal policy number as matching items, and determine policy summarizing data based on the second system policy data, the first system policy data, and the policy correspondence;
a determining unit 430 for determining an asset differential policy based on the policy summary data;
and a completion unit 440, configured to perform information completion on the asset difference policy based on the difference type corresponding to the asset difference policy.
The insurance policy data processing device provided by the embodiment of the invention acquires first system insurance policy data, establishes the insurance policy corresponding relation between second system insurance policy data and the first system insurance policy data by taking insurance mechanism codes and personal insurance policy numbers as matching items, determines insurance policy summary data so as to determine asset difference insurance policies, carries out information completion on the asset difference insurance policies according to the difference types corresponding to the asset difference insurance policies, realizes automatic determination of asset difference between the second system and the first system, rapidly positions the asset difference insurance policies, improves the insurance policy data processing efficiency, reduces the time for processing insurance policy data, improves the insurance policy data quality of bank reimbursement insurance service, provides powerful support for decision making of bank managers, improves the processing efficiency of bank workers, and when the data of an insurance service data supervision system is adopted by a bank to replace batch return data of insurance mechanisms, the stable transition of the insurance policy asset scale can be ensured.
Based on any of the above embodiments, the completion unit is specifically configured to:
if the difference type corresponding to the asset difference policy is the unilateral difference policy of the first system, confirming whether the asset difference policy is a bank agency sales policy, and if so, supplementing policy information in the asset difference policy;
if the difference type corresponding to the asset difference policy is the unilateral difference policy of the second system, the policy number in the asset difference policy is sent to the first system, and policy information corresponding to the asset difference policy output by the first system based on the policy number is obtained;
and if the difference type corresponding to the asset difference insurance policy is the bilateral asset difference insurance policy, performing information completion on the asset difference insurance policy based on the insurance policy after-sale data returned by the insurance mechanism corresponding to the asset difference insurance policy.
Based on any embodiment above, the apparatus further comprises:
the comparison unit is used for summarizing the asset value of the first system insurance policy data in the insurance policy summary data to obtain the first system total asset value; summarizing the asset value of second system insurance policy data in the insurance policy summary data to obtain the total asset value of a second system; a policy total asset value difference is determined based on the first system total asset value and the second system total asset value.
Based on any of the embodiments above, the determining unit is specifically configured to:
determining a matched policy and a non-matched policy in the policy summary data based on the policy corresponding relation between the second system policy data and the first system policy data, and determining the non-matched policy as an asset difference policy;
and respectively determining a first asset value of the matched insurance policy in the second system and a second asset value of the matched insurance policy in the first system, and if the first asset value and the second asset value are not equal, determining the matched insurance policy as an asset difference insurance policy.
Based on any of the embodiments above, the aggregation unit is specifically configured to:
based on the code conversion rule between the second system and the first system, carrying out rule consistency adjustment on the insurance agency code and the personal insurance policy number in the insurance policy data of the first system;
matching the policy in the first system policy data and the policy in the second system policy data after the rule consistency adjustment according to the insurance agency code and the personal policy number, and establishing the policy corresponding relation between the second system policy data and the first system policy data.
Based on any of the above embodiments, the obtaining unit is specifically configured to:
acquiring a first system real charge insurance bill, a first system insurance policy information table, a first system insurance policy state change bill and a first system insurance policy basic information table;
determining a first system product asset information table based on a first system real charge insurance bill, a first system insurance policy information table and a first system insurance policy state change bill;
and determining first system insurance policy data based on the first system product asset information table, the first system insurance policy state change list and the first system insurance policy basic information table.
Based on any of the above embodiments, fig. 5 is a schematic structural diagram of an electronic device provided by the present invention, and as shown in fig. 5, the electronic device may include: a Processor (Processor)510, a communication Interface (Communications Interface)520, a Memory (Memory)530, and a communication Bus (Communications Bus)540, wherein the Processor 510, the communication Interface 520, and the Memory 530 communicate with each other via the communication Bus 540. Processor 510 may call logical commands in memory 530 to perform the following method:
acquiring first system policy data; establishing a policy corresponding relation between second system policy data and first system policy data by taking the insurance agency code and the personal policy number as matching items, and determining policy summary data based on the second system policy data, the first system policy data and the policy corresponding relation; determining an asset differential policy based on policy summary data; performing information completion on the asset difference insurance policy based on the difference type corresponding to the asset difference insurance policy; the first system is an insurance business data monitoring system, and the second system is a bank agent insurance business system.
In addition, the logic commands in the memory 530 may be implemented in the form of software functional units and stored in a computer readable storage medium when the logic commands are sold or used as independent products. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium and includes a plurality of commands for enabling a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
The processor in the electronic device provided in the embodiment of the present invention may call a logic instruction in the memory to implement the method, and the specific implementation manner of the method is consistent with the implementation manner of the method, and the same beneficial effects may be achieved, which is not described herein again.
Embodiments of the present invention further provide a non-transitory computer-readable storage medium, on which a computer program is stored, where the computer program is implemented to perform the methods provided in the foregoing embodiments when executed by a processor, and a specific implementation manner of the method is consistent with the foregoing method implementation manner and can achieve the same beneficial effects, and details are not repeated herein.
Embodiments of the present invention provide a computer program product, which includes a computer program, and when being executed by a processor, the computer program implements the steps of the method.
The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
Through the above description of the embodiments, those skilled in the art will clearly understand that each embodiment can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware. With this understanding in mind, the above technical solutions may be embodied in the form of a software product, which can be stored in a computer-readable storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and includes commands for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method according to the embodiments or some parts of the embodiments.
Finally, it should be noted that: the above examples are only intended to illustrate the technical solution of the present invention, but not to limit it; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.
Claims (10)
1. A policy data processing method, comprising:
acquiring first system policy data;
establishing a policy corresponding relation between second system policy data and first system policy data by taking an insurance agency code and a personal policy number as matching items, and determining policy summary data based on the second system policy data, the first system policy data and the policy corresponding relation;
determining an asset differential policy based on the policy summary data;
performing information completion on the asset difference policy based on the difference type corresponding to the asset difference policy;
the first system is an insurance business data monitoring system, and the second system is a bank agent insurance business system.
2. The method of claim 1, wherein the information complementing the asset difference policy based on the difference type corresponding to the asset difference policy comprises:
if the difference type corresponding to the asset difference policy is the unilateral difference policy of the first system, confirming whether the asset difference policy is a bank agency sales policy, and if so, complementing policy information in the asset difference policy;
if the difference type corresponding to the asset difference policy is a second system unilateral difference policy, sending the policy number in the asset difference policy to a first system, and acquiring policy information corresponding to the asset difference policy output by the first system based on the policy number;
and if the difference type corresponding to the asset difference insurance policy is a bilateral asset difference insurance policy, performing information completion on the asset difference insurance policy based on the insurance policy after-sale data returned by the insurance mechanism corresponding to the asset difference insurance policy.
3. The policy data processing method according to claim 1, wherein said determining policy summary data based on said second system policy data, said first system policy data and said policy correspondence further comprises:
summarizing the asset value of first system insurance policy data in the insurance policy summarizing data to obtain a first system total asset value;
summarizing the asset value of second system insurance policy data in the insurance policy summarizing data to obtain the total asset value of a second system;
a policy total asset value difference is determined based on the first system total asset value and the second system total asset value.
4. The policy data processing method according to claim 1, wherein said determining asset differential policies based on said policy summary data comprises:
determining a matched policy and a non-matched policy in the policy summary data based on a policy corresponding relation between second system policy data and the first system policy data, and determining the non-matched policy as an asset difference policy;
and respectively determining a first asset value of the matched insurance policy in the second system and a second asset value of the matched insurance policy in the first system, and if the first asset value is not equal to the second asset value, determining the matched insurance policy as an asset difference insurance policy.
5. The policy data processing method according to any one of claims 1 to 4, wherein said establishing policy correspondence between second system policy data and said first system policy data with the insurance agency code and the individual policy number as matching items comprises:
performing rule consistency adjustment on insurance agency codes and personal policy numbers in policy data of a first system based on a code conversion rule between a second system and the first system;
matching the policy in the first system policy data and the policy in the second system policy data after rule consistency adjustment according to the insurance agency code and the personal policy number, and establishing the policy corresponding relation between the second system policy data and the first system policy data.
6. The policy data processing method according to any one of claims 1 to 4, wherein said obtaining first system policy data comprises:
acquiring a first system real charge insurance bill, a first system insurance policy information table, a first system insurance policy state change bill and a first system insurance policy basic information table;
determining a first system product asset information table based on the first system real charge insurance bill, the first system insurance policy information table and the first system insurance policy state change bill;
and determining the first system insurance policy data based on the first system product asset information table, the first system insurance policy state change list and the first system insurance policy basic information table.
7. A policy data processing apparatus, comprising:
the acquiring unit is used for acquiring first system policy data;
the collecting unit is used for establishing a policy corresponding relation between second system policy data and the first system policy data by taking an insurance organization code and a personal policy number as matching items, and determining policy collecting data based on the second system policy data, the first system policy data and the policy corresponding relation;
a determining unit for determining an asset differential policy based on the policy summary data;
the completion unit is used for performing information completion on the asset difference insurance policy based on the difference type corresponding to the asset difference insurance policy;
the first system is an insurance business data monitoring system, and the second system is a bank agent insurance business system.
8. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the policy data processing method according to any one of claims 1 to 6 when executing the program.
9. A non-transitory computer-readable storage medium having stored thereon a computer program, wherein the computer program, when executed by a processor, implements the policy data processing method according to any one of claims 1 to 6.
10. A computer program product comprising a computer program, wherein the computer program, when executed by a processor, implements the policy data processing method according to any one of claims 1 to 6.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210249429.9A CN114612252A (en) | 2022-03-14 | 2022-03-14 | Policy data processing method and device, electronic equipment and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210249429.9A CN114612252A (en) | 2022-03-14 | 2022-03-14 | Policy data processing method and device, electronic equipment and storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN114612252A true CN114612252A (en) | 2022-06-10 |
Family
ID=81863917
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202210249429.9A Pending CN114612252A (en) | 2022-03-14 | 2022-03-14 | Policy data processing method and device, electronic equipment and storage medium |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN114612252A (en) |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109035040A (en) * | 2018-07-23 | 2018-12-18 | 中国银行股份有限公司 | A kind of declaration form generation method, device and electronic equipment |
| CN112488844A (en) * | 2020-11-16 | 2021-03-12 | 中国人寿保险股份有限公司 | Insurance information benchmarking method and device |
-
2022
- 2022-03-14 CN CN202210249429.9A patent/CN114612252A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109035040A (en) * | 2018-07-23 | 2018-12-18 | 中国银行股份有限公司 | A kind of declaration form generation method, device and electronic equipment |
| CN112488844A (en) * | 2020-11-16 | 2021-03-12 | 中国人寿保险股份有限公司 | Insurance information benchmarking method and device |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US20090319421A1 (en) | Method and Apparatus for Performing Financial Transactions | |
| CN108460689B (en) | Policy analysis method and device, terminal equipment and storage medium | |
| CN108711104A (en) | Physical assets information flow method, apparatus and equipment based on block chain | |
| WO2022155740A1 (en) | Systems and methods for outlier detection of transactions | |
| WO2020258696A1 (en) | Financial examination and approval management system and method | |
| US10157207B2 (en) | System for supplemental data reporting utilizing data record properties | |
| CN108681957B (en) | Cross-border e-commerce transaction order restoration method, system, equipment and storage medium | |
| CN110866698A (en) | Device for assessing service score of service provider | |
| CN113052705A (en) | Supply chain financial service process management method and device | |
| CN111161060A (en) | Comprehensive platform for investment and research transaction | |
| JP2016110610A (en) | Management support program | |
| CN111415067A (en) | Enterprise and personal credit rating system | |
| CN113393315A (en) | Loan customer recommendation method and system based on power supply chain data | |
| CN116228431A (en) | Abnormal transaction account determination method and device and electronic equipment | |
| CN117094764A (en) | Bank integral processing method and device | |
| CN114049213B (en) | Informationized financial data analysis system and analysis method | |
| CN114612252A (en) | Policy data processing method and device, electronic equipment and storage medium | |
| CN112308639B (en) | Aging prediction method and device for target event | |
| CN111079992A (en) | Data processing method, device and storage medium | |
| TWM585393U (en) | Investment management equipment | |
| CN111882294B (en) | Method and device for flow approval | |
| CA2993716A1 (en) | Predictive risk management for supply chain receivables financing | |
| CN117290409B (en) | Method and device for generating rebate document, terminal equipment and storage medium | |
| US20170140400A1 (en) | System for aggregating data record attributes for supplemental data reporting | |
| CN118379130A (en) | Rating method, device and computer readable medium for pharmaceutical enterprise credit |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |