CN114998039A - Insurance business cooperative processing method, system, storage medium and electronic equipment - Google Patents

Abstract

The application provides an insurance business cooperative processing method, system, storage medium and electronic equipment. The insurance product combination scheme is generated through the intelligent matching unit, the signing information is input through the one-key signing unit, the medical resource tracing and visiting condition is reserved through the hospitalizing accompanying and attending unit, the claim settlement program is triggered through the agent claim settlement unit, and the right passageway is pushed through the claim settlement right maintaining unit. According to the method and the system, the whole process from the introduction of customers before insurance application to the insurance right taking out after insurance application is subjected to pipelined supervision through the functional units, the service performance is automatically counted according to the completion quantity of various types of services before and after sale, the operation efficiency of each service module of the system can be improved, commission is reasonably distributed, and the overall experience of users is improved.

Description

Insurance business cooperative processing method, system, storage medium and electronic equipment

Technical Field

The present application relates to the field of insurance, and in particular, to a method, a system, a storage medium, and an electronic device for collaborative processing of insurance services.

Background

The insurance sales channels mainly include direct marketing channels for sales and services provided by insurance company salesmen, and indirect marketing channels hosted by intermediaries such as insurance agents, insurance brokers, and the like. Because there are many insurance organizations in the market and insurance products are in endless, and the two existing marketing channels are only used for popularizing and marketing insurance products provided by a single company, in the actual business process, it is difficult to recommend a proper product collocation scheme according to the personalized requirements of customers.

In the current process of developing insurance marketing activities, a salesman can only manually select a plurality of insurance products according to a little basic information of a client, and the insurance products are matched to form a sales scheme and recommended to the client. Because the basic information of the client is not comprehensively mastered, the insurance products recommended by the salesman cannot meet the personalized requirements of the client, and even the expected insurance effect of the client cannot be achieved. Such marketing experience can directly lead to subjectively low insurance efficacy, and even be easily misled to refund, or be led to purchase insurance products that do not fit their needs.

Disclosure of Invention

Aiming at the defects of the prior art, the system calls client related data through multiple means, establishes a basic guarantee database for each client, matches insurance products of different insurance institutions in a full product library according to a client risk model, the rights and interests state of a client insurance policy and the basic guarantee database, and uniformly signs and maintains after sale. The system provided by the application runs through the complete period of the insurance product before and after sale, the original single endorsement performance system is changed into the method for effectively splitting the insurance service flow into the stages before, during and after sale so as to carry out pipelined supervision, and the service performance is automatically counted according to the completion amount of each type of service before and after sale, so that the operation efficiency of the whole system is improved, the after-sale service of a user is guaranteed, and the user experience is improved. The technical scheme is specifically adopted in the application.

Firstly, in order to achieve the above object, a method for collaborative processing of insurance services is provided, which comprises the steps of: receiving client policy information, client basic data and/or client peripheral data called by a third-party interface, which are input by terminal equipment, establishing a basic security database aiming at each client respectively, and calculating a basic risk prompt scheme; acquiring customer behavior habits through an acquisition interface, dynamically correcting a customer risk model according to the customer behavior habits, and calculating a guarantee scheme according to the correction condition of the customer risk model and the rights and interests states of each policy of the customer; matching insurance products according to the client risk model, the rights and interests state of the client insurance policy and the basic guarantee database of the client to generate an insurance product combination scheme in accordance with the guarantee scheme; calling a signing interface of a signing system of a corresponding insurance company according to an insurance scheme selected by a client, generating a standardized signing flow according to signing requirements of each insurance company, inputting signing information by the standardized signing flow and uploading the signing information to the signing system of the corresponding insurance company through each signing interface; after a customer issues a medical accompanying and attending demand, in response to the medical accompanying and attending demand, calling the equity state of each policy of the customer, calculating a medical treatment scheme and providing a medical resource interface, prompting claim settlement information according to the medical treatment condition of the customer, tracking the medical treatment condition of the customer in real time, receiving externally-entered claim data, triggering a claim settlement interface of a corresponding insurance company to start a claim settlement program of the insurance company, and correspondingly triggering and updating the equity state of the policy of the customer according to the feedback of the claim settlement interface of the insurance company; after the client issues the right-maintaining requirement, the right-maintaining channel is pushed according to the feedback of the insurance company claim settlement interface, the rights and interests states of all policy of the client, the claim data of the client and the client right-maintaining claim, and the client policy information, the client doctor seeing condition and the claim data are provided for the right-maintaining task receiver.

Optionally, the insurance business cooperative processing method according to any one of the above, wherein after receiving the customer insurance policy information and the customer basic data entered by the terminal device, the following steps are further performed: recording a login account of the terminal equipment, confirming client policy information and a client identification code corresponding to the client basic data, configuring a new client identification code for the client when the corresponding client identification code is lacked, and updating the entry time of the client identification code, the client policy information and the client basic data to the login account of the terminal equipment.

Optionally, the insurance business cooperative processing method described in any of the above further performs the following steps after receiving the customer behavior habit acquired by the acquisition interface, or generating an insurance product combination scheme, or inputting the subscription information and uploading the subscription information to the corresponding insurance company subscription system through the subscription interface: and recording a login account corresponding to the terminal equipment which completes the service, and updating a client identification code corresponding to the service, the client behavior habit, the insurance scheme and the input time of the subscription information to the login account of the terminal equipment.

Optionally, the insurance business cooperative processing method as described in any one of the above, wherein the client's medical condition and the claim settlement data are uploaded in real time by a terminal device that receives medical accompanying requirements; the terminal equipment for receiving the medical accompanying requirements is specified by the customer or other terminal equipment; the range of the specified terminal device includes the terminal device in which the account of the client is logged.

Optionally, the method for collaborative processing of insurance services as described in any above, wherein after triggering the claim settlement interface of the corresponding insurance company to start the claim settlement program of the insurance company, or after triggering the update of the equity status of the customer insurance policy according to the feedback of the claim settlement interface of the insurance company, the following steps are further performed: recording a login account corresponding to the terminal equipment which completes the service, and updating a client identification code corresponding to the service, a policy and rights state and the entry time of a claim settlement program to the login account of the terminal equipment; and sending prompt information of a claim settlement program or claim settlement data to the contact account corresponding to the client identification code according to the feedback of the claim settlement interface of the insurance company.

Optionally, the insurance business cooperative processing method described in any one of the above further includes the following steps: counting the service data and the input time of the service data under the login account items of each terminal device according to a preset period; and respectively calculating the service performance of each terminal account according to the completion amount and the commission ratio of the service data under each login account item.

Meanwhile, in order to achieve the above object, the present application further provides an insurance business cooperative processing system, which includes: the policy management unit is used for receiving externally input customer policy information and dynamically tracking the rights and interests states of each policy of the customer according to the customer policy information; the risk evaluation unit is used for receiving externally input client basic data and/or client peripheral data called by a third-party interface, establishing a basic guarantee database aiming at each client and calculating a basic risk prompt scheme; the rapid diagnosis unit is used for providing a collection interface of the behavior habits of the client, dynamically correcting the client risk model according to the behavior habits of the client and calculating a guarantee scheme according to the correction condition of the client risk model and the rights and interests states of all policy of the client; the intelligent matching unit is butted with the full product library and is used for matching insurance products according to the client risk model, the equity state of the client insurance policy and the basic guarantee database of the client to generate an insurance product combination scheme meeting the requirement of the guarantee scheme; the one-key signing unit is provided with signing interfaces which are respectively butted with the signing systems of the insurance companies, the signing interfaces of the signing systems of the corresponding insurance companies are called according to the insurance schemes selected by the clients, a standardized signing flow is generated according to the signing requirements of the insurance companies, and signing information is input by the standardized signing flow and uploaded to the signing systems of the corresponding insurance companies through the signing interfaces; the medical care accompanying unit is used for receiving medical care accompanying requirements issued by the client, calling the equity state of each policy of the client, calculating a medical care scheme, providing a medical resource interface and prompting claim settlement information according to the medical care condition of the client; the agent claim settlement unit is connected with the medical accompanying and caring unit, tracks the patient condition of the client in real time, and receives externally-entered claim settlement data, so the agent claim settlement unit is also connected with a claim settlement interface of each insurance company to trigger a claim settlement program of the insurance company, and correspondingly triggers the policy deposit unit to update the rights and interests state of the client policy according to the feedback of the claim settlement interface of the insurance company; the claim right management unit is connected with the agent claim management unit, pushes a right management channel according to the feedback of the insurance company claim management interface, the rights and interests states of all policy of the client, the claim data of the client and the client right management claim, and provides client policy information, client doctor seeing conditions and claim data for a right management task receiver.

Optionally, the insurance business coprocessing system described in any one of the above, wherein the policy escrow unit, the risk evaluation unit, the rapid diagnosis unit, the intelligent matching unit, and the one-key signing unit are respectively connected to a terminal device with pre-sale rights; the hospitalizing accompanying and attending unit, the agency claim settlement unit and the claim settlement right maintaining unit are respectively connected with terminal equipment with after-sale rights; the system also respectively counts the business volume of each terminal device in the insurance policy escrow unit, the risk evaluation unit, the rapid diagnosis unit, the intelligent matching unit, the one-key signing unit, the medical care accompanying unit, the agent claim settlement unit and the claim settlement right unit, and calculates the business performance of each terminal account according to the business completion volume and the commission proportion in each unit.

Also, the present application provides a computer readable storage medium having a computer program stored thereon, which when executed by a processing device, implements the method as described in any of the above.

In addition, the present application also provides an electronic device, which includes: a memory for storing the executable program; a processor for running the executable program; wherein the processor is configured to implement the method as any one of above via execution of the executable program.

Advantageous effects

The insurance product combination scheme meeting the requirements of the guarantee scheme is generated through the intelligent matching unit, the signing information is input through the one-key signing unit, the medical resource tracking and visiting condition is reserved through the visiting accompanying and attending unit, the claim settlement program is triggered through the agent claim settlement unit, and the right passageway is pushed through the claim settlement right maintaining unit. According to the method and the system, the whole process from the introduction of customers before insurance application to the insurance right taking out after insurance application is subjected to pipelined supervision through the functional units, the service performance is automatically counted according to the completion quantity of various types of services before and after sale, the operation efficiency of each service module of the system can be improved, commission is reasonably distributed, and the overall experience of users is improved. The system and the method can also ensure that the efficiency of the client insurance scheme is optimal through the retrieval and maintenance of the full product library, and ensure the diagnosis and the claim settlement of the user through an after-sale mechanism.

Additional features and advantages of the application will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by the practice of the application.

Drawings

The accompanying drawings are included to provide a further understanding of the application and are incorporated in and constitute a part of this specification, illustrate embodiments of the application and together with the description serve to explain the principles of the application and not limit the application. In the drawings:

FIG. 1 is a schematic flow chart illustrating steps of a collaborative processing method for insurance services according to the present application;

fig. 2 is a block diagram of the structure of the insurance business cooperative processing system of the present application.

Detailed Description

In order to make the purpose and technical solutions of the embodiments of the present application clearer, the technical solutions of the embodiments of the present application will be clearly and completely described below with reference to the drawings of the embodiments of the present application. It should be apparent that the described embodiments are only some of the embodiments of the present application, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the described embodiments of the application without inventive effort, are within the scope of protection of the application.

It will be understood by those skilled in the art that, unless otherwise defined, all terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this application belongs. It will be further understood that terms, such as those defined in commonly used dictionaries, should be interpreted as having a meaning that is consistent with their meaning in the context of the prior art and will not be interpreted in an idealized or overly formal sense unless expressly so defined herein.

The meaning of "and/or" as used herein is intended to include both the individual components or both.

The term "connected" as used herein may mean either a direct connection between components or an indirect connection between components via other components.

Referring to fig. 1, the present application provides an insurance business cooperative processing method, which implements the following steps based on the cooperative system shown in fig. 2:

at any stage of insurance service, receiving client policy information recorded by external terminal equipment through a policy hosting unit, extracting key information such as the amount of insurance, external liability and insurance items in a client policy through an SBERT feature extraction algorithm, and dynamically tracking the rights and interests of each policy of a client under the conditions of settlement or refund of the client or expiration of the insurance term according to the client policy information; in the application, the terminal device acquisition unit preferably extracts insurance policy information, customer basic data or claim settlement materials of a customer from a file image acquired by the camera module through the camera module by using a character recognition technology to realize entry.

The method comprises the steps that basic data of a client input by external terminal equipment and/or peripheral data such as a client repayment condition, basic medical data, an enterprise state and the like called by a third-party interface of a bank, a social security department, an industrial and commercial department and the like are received through a risk evaluation unit, a basic security database aiming at each client is established based on the data, the basic security database can capture the financial and health states of the client regularly through the third-party interfaces of various types, a basic risk prompt scheme is calculated according to a preset basic security model, and the client is prompted to avoid possible health risks, accidental risks, property risks and the like;

the method comprises the steps that a rapid diagnosis unit receives behavior habits of a client provided by acquisition interfaces such as sports software, medical health monitoring software and wearable detection equipment, and dynamically modifies a client risk model according to the behavior habits of the client, for example, when the exercise habit of the client is monitored through the sports software and the exercise intensity accords with an exercise model matched with the body health state of the client, the disease probability of corresponding diseases in the client risk model can be reduced according to a model coefficient counted in advance; when the fact that the user is in a night or irregular eating habits is detected through the wearable device or the medical health monitoring software, the disease probability of corresponding diseases in the client risk model is increased according to the model coefficient which is counted in advance. Calculating the required guarantee amount for covering the corresponding disease treatment expense according to the correction condition of the client risk model and the rights and interests state of each policy of the client, adjusting corresponding parameters in the quota configuration model matched with the basic guarantee database, calculating a guarantee scheme, and confirming the corresponding quota of each risk type of each insurance product, such as the total quota of medical insurance, the total quota of severe disease, the total quota of accident insurance, the total quota of life insurance, and the like required by the client;

matching related insurance products according to a client risk model, the rights and interests state of a client policy and a basic guarantee database of the client by an intelligent matching unit of a full product library, and generating an insurance product combination scheme meeting various insurance amounts required by a guarantee scheme; the matching process can generate corresponding product characteristic vectors for different insurance products in a full product library in advance according to insurance rights and interests of the different insurance products, then generate guarantee demand vectors according to insurance items and insurance amount requirements corresponding to a basic guarantee database of a client, linearly combine the product characteristic vectors corresponding to the insurance products, calculate Cartesian products between the guarantee demand vectors and combination vectors obtained by linearly combining the product characteristic vectors, calculate vector distances between the guarantee demand vectors and the combination vectors, and enable the guarantee effect realized by the product combination to approach the guarantee demand vectors by screening a plurality of combination vectors with the minimum vector distances, so that a plurality of groups of feasible product combinations matched with the client can be screened and obtained, and finally, the product combinations can be selected from insurance premium, insurance rights and interests, insurance benefits according to the basic guarantee database of the client and according to financial and health states of the client, Investment value and other dimensions push corresponding insurance schemes. Wherein, each type of insurance products sold or sold by each insurance company or in the maintenance stage can be stored in the full product library in advance. The related data of insurance products in the full product library can be obtained by actively uploading or updating various types of insurance products under the flags by various insurance mechanisms, or can be obtained by inquiring or extracting corresponding insurance products which are put on record by the bank insurance supervision department through a third party channel or an official public channel, or can be obtained by scanning the insurance policy of a user and correspondingly updating the content of the insurance products according to the insurance policy information, so that corresponding product feature vectors are generated based on the insurance rights and interests of all insurance products sold in the market for inquiry and comparison to realize accurate matching of product combinations.

The one-key signing unit calls signing interfaces of corresponding insurance company signing systems according to insurance schemes selected by clients, integrates signing requirements of various insurance companies, generates a standardized signing flow by taking a union of the signing requirements of various insurance companies to generate a standardized signing flow, inputs signing information by the standardized signing flow and uploads the signing information to the corresponding insurance company signing systems through various signing interfaces. In the standardized signing process, the applicant and insured person signature data entry interfaces in the signing interfaces of the insurance companies are uniformly accessed into a signature entry channel provided by the standardized signing process, and the applicant and insured person signature handwriting is subjected to standardized sampling in the signature entry channel according to standard sampling frequency and resolution, wherein the standardized sampling frequency is not lower than the sampling frequency required by the interfaces of the insurance companies. Therefore, a handwriting vector graph is generated according to the sampling time sequence, then each stroke track in the handwriting vector graph is split according to the sampling interval required by each insurance company signature data entry interface according to the handwriting sampling time sequence, handwriting sampling time sequence data matched with each insurance company signature data entry interface is generated based on the vector graph, and the acquired client signature is synchronously entered into each insurance company signing system. The one-key signing unit is used for collecting the client signature once and automatically synchronizing the client signature to each insurance company signing system to realize standardized signing.

The system can also receive the hospitalizing accompanying and attending requirements issued by the client through the hospitalizing accompanying and attending unit, so that the hospitalizing accompanying and attending requirements are responded, the equity states of all policy of the client are called, a hospitalizing scheme is calculated, a medical resource interface is provided, the claim settlement information is prompted according to the client's encounter situation, the client's encounter situation is tracked in real time, the claim settlement data input from the outside is received through the agent claim settlement unit, the claim settlement interface of the corresponding insurance company is triggered to start the claim settlement program of the insurance company, and the policy escrow unit is correspondingly triggered according to the feedback of the insurance company's claim settlement interface to update the equity states of the policy of the client; according to the medical accompanying unit, in the process of calling the rights and interests states of each policy of a client, insurance products matched with medical needs are screened out through a pre-trained deep learning model through product feature vectors or medical keywords of each policy signed by the client, then, according to the rights and interests states of each policy, an appointment channel interface of a policy cooperation medical institution is provided, and according to a medical institution selected by the client, insurance person information corresponding to the policy is captured through the appointment channel interface of the medical institution and uploaded to a clinic or an examination appointment material. After receiving the attendance check-in information of the client, the medical institution system feeds back the attendance condition to the system, triggers the attendance accompanying unit to prompt the client to enter an outpatient service document and an inspection report, or triggers the attendance accompanying unit to directly call the attendance information of the corresponding client from the medical institution system, packages and triggers a claim settlement interface of the corresponding insurance company to start a claim settlement program of the insurance company, and correspondingly triggers the policy deposit unit to update the rights and interests state of the client policy according to the feedback of the claim settlement interface of the insurance company.

The system can also receive a claim right requirement issued by a client through a claim right management unit, the claim right management unit is connected with an agent claim management unit, claim requirement characteristics are extracted according to feedback of an insurance company claim management interface, the rights and interests states of all policy of the client, the claim data of the client and the claim right requirement of the client, a claim right service provider signed by a system is retrieved according to the claim right requirement characteristics, a claim right channel is correspondingly pushed to the terminal equipment of the client, and client policy information, client diagnosis conditions and claim data are provided to a claim right task receiver. The claim demand characteristics can be extracted through a preset algorithm model according to the feedback of a direct insurance company claim settlement interface, the rights and interests states of all policy of the client, the claim data of the client, the client maintenance claim and the client basic data. The system can also mark the signed right-maintaining service provider according to the information such as the right-maintaining period, the right-maintaining service type, the client feedback, the proportion of the amount of the right-maintaining claim, the statistical condition of the expense of the right-maintaining fee and the like in the service process of the right-maintaining service provider, so as to more accurately push the right-maintaining service provider according to the client appeal and the claim demand characteristics.

In the system, a plurality of terminal devices can be respectively connected with each functional unit in a butt joint mode, the operation permission of each device is confirmed through the login account of the terminal device, and the business conditions under the same login account item are counted.

The statistical process can be synchronously realized in the data uploading process in the following modes: when each terminal device correspondingly uploads data to the remote system according to the authority, the data to be uploaded are stored in a log storage unit of the terminal device respectively, then the remote system is uploaded according to a data layer stored in the log storage unit, and the terminal devices mark the uploading time of each data in the log storage unit respectively during uploading; and each terminal device also requests the remote system for the service data and the logging time of the service data under the current login account item according to a preset period, compares the logging time of the service data in the remote system with the data uploading time marked in the log storage unit, and updates the corresponding service data in the remote system according to the data uploading time in the log storage unit so as to trigger the remote system to respectively calculate the service performance of the login account of each terminal device according to the completion amount and the commission ratio of the service data under each login account item.

Therefore, the system can divide the processes of the insurance before sale and after sale through each functional unit, so as to respectively count the business conditions of each login account in the processes of before sale, during sale and after sale, and respectively calculate the business performance of each terminal account according to the pre-designed commission proportion at each stage of the insurance. The design can divide the insurance process and the claim settlement process which are originally completed by the same agent into a pipeline structure, provide comprehensive scheduling through the system, and allocate the comprehensive scheduling to the business account number of each process for full-time processing to maintain the insurance policy so as to provide insurance service. The business mode can ensure the benefits of the service personnel at each stage before and after the insurance sale, and simultaneously, the system splits the service flow to ensure that the service personnel in charge of each stage can be concentrated in the business field, thereby improving the professional performance and ensuring the service quality of the client.

Taking the system shown in fig. 2 as an example, after receiving the customer policy information and the customer basic data entered by the terminal device with pre-sale authority, the policy escrow unit or the risk assessment unit of the present application further performs the following steps:

recording a login account number of a terminal device, confirming client policy information and a client identification code corresponding to client basic data by inquiring a system database, judging that a client is a new client when a corresponding client identification code is lacked in the system database, and configuring a new client identification code for the client according to a set rule, wherein the client identification code has global property, and can be retrieved and called by each functional unit in the system to mark all policy information, rights and interests states, claims settlement and right maintenance processes of the client through the client identification code. The insurance policy hosting unit can update the client identification code, the information of each insurance policy of the client under the client identification code item and the input time of the client basic data to the login account item of the terminal equipment, thereby realizing the performance record of the pre-sale work.

The system further executes the following steps after the risk evaluation unit receives the customer behavior habits acquired by the acquisition interface, or generates an insurance product combination scheme, or after the one-key signing unit inputs the signing information and uploads the signing information to the corresponding insurance company signing system through the signing interface: and recording a login account corresponding to the terminal equipment which completes the service, and updating a client identification code corresponding to the service, the client behavior habit, the insurance scheme and the input time of the signing information to the login account item of the terminal equipment so as to record the work performance in the process of sale.

In the application, the patient condition and the claim settlement data of the client required by the medical accompanying unit are uploaded in real time by the terminal equipment receiving the medical accompanying requirement. The system can directly receive the appointments of the clients to the terminal for executing medical accompanying according to the medical accompanying requirements issued by the clients, and can also appoint other terminal equipment to provide medical accompanying services according to the workload of each terminal equipment in the management range of the terminal equipment with management authority according to the medical accompanying requirements. The terminal equipment for receiving the hospitalizing accompanying requirements in the system can comprise terminal equipment logged in by the account of the customer, so that the customer can make medical resource reservation through mobile phone app guide or small program prompt in the self-hospitalizing process and upload bill data required for claim settlement in time.

The system also realizes the supervision of the insurance policy after-sale service through the agent claim settlement unit and the claim settlement right unit. After the terminal device with after-sale rights triggers a claim settlement interface of a corresponding insurance company to start a claim settlement program of the insurance company, or correspondingly triggers and updates the rights and interests state of a client insurance policy according to the feedback of the claim settlement interface of the insurance company, the following steps are also executed: recording a login account corresponding to the terminal equipment which completes the service, updating a client identification code corresponding to the service, a policy and rights state and the entry time of a claim settlement program to the login account item of the terminal equipment, and forming a flow record of after-sale service workload; and sending prompt information of a claim settlement program or claim settlement data to the contact account corresponding to the client identification code according to the feedback of the claim settlement interface of the insurance company.

Therefore, the system can count various types of service data and the entry time of the service data under the login account items of the terminal equipment according to a preset period; therefore, the service performance of each terminal account is calculated according to the completion amount of the service data under each login account item and the commission proportion matched with the grade and authority of the login account. Therefore, the system can distribute the insurance policy business amount to the whole process from pre-sale communication, customer data acquisition to after-sale claim maintenance according to the preset commission proportion, guarantee the benefits of pre-sale and after-sale service personnel, and supervise the service quality through performance, customer evaluation and other forms, thereby improving the service quality of the insurance whole process.

Generally speaking, in the system, a policy escrow unit, a risk evaluation unit, a rapid diagnosis unit, an intelligent matching unit and a one-key signing unit are respectively butted with terminal equipment with pre-sale authority; respectively butting a medical accompanying unit, an agent claim settlement unit and a claim settlement right maintaining unit in the system with terminal equipment with after-sale rights; therefore, the business volumes of the terminal devices in the insurance policy hosting unit, the risk evaluation unit, the rapid diagnosis unit, the intelligent matching unit, the one-key signing unit, the medical care accompanying unit, the agent claim settlement unit and the claim settlement right unit are respectively counted, and the business performance of each terminal account is calculated according to the business completion volume and the commission proportion in each unit.

In summary, the insurance business cooperative processing system comprehensively manages the policy data, the client basic data, the client peripheral data, the signing process, the visiting condition, the claim settlement information and other data of the client, and utilizes the functional units which run in cooperation with each other to realize supervision and cooperative processing of the full life cycle of the policy service, so that repeated acquisition of client data by different insurance institutions can be avoided, the signing process can be simplified, and the existing insurance products can be individually matched and combined according to the client risk model to obtain an insurance scheme which is more comprehensive and more suitable for the client guarantee requirements. According to the method and the system, the service processing units which run in a mutual cooperation mode are comprehensively scheduled, the service experience of users can be improved, the client rights and interests can be more comprehensively ensured, the condition that the insurance target is not suitable for insurance target recommendation of the policemen due to commission fee increasing proportion or product understanding deviation during artificial insurance product recommendation is avoided, and the service lackluster of after-sales service personnel due to lack of assessment performance indexes is avoided.

The above are merely embodiments of the present application, and the description is specific and detailed, but not construed as limiting the scope of the present application. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the protection scope of the present application.

Claims (10)

1. An insurance business cooperative processing method is characterized by comprising the following steps:

receiving client basic data input by terminal equipment and/or client peripheral data called by a third-party interface, establishing a basic guarantee database aiming at each client respectively, and calculating a basic risk prompt scheme;

acquiring customer behavior habits through an acquisition interface, dynamically correcting a customer risk model according to the customer behavior habits, and calculating a guarantee scheme according to the correction condition of the customer risk model and the rights and interests states of each policy of the customer;

matching insurance products according to the client risk model, the rights and interests state of the client insurance policy and the basic guarantee database of the client to generate an insurance product combination scheme in accordance with the guarantee scheme;

calling a signing interface of a signing system of a corresponding insurance company according to an insurance scheme selected by a client, generating a standardized signing flow according to signing requirements of each insurance company, inputting signing information by the standardized signing flow and uploading the signing information to the signing system of the corresponding insurance company through each signing interface;

after a customer issues a medical accompanying and attending demand, in response to the medical accompanying and attending demand, calling the equity state of each policy of the customer, calculating a medical treatment scheme and providing a medical resource interface, prompting claim settlement information according to the medical treatment condition of the customer, tracking the medical treatment condition of the customer in real time, receiving externally-entered claim data, triggering a claim settlement interface of a corresponding insurance company to start a claim settlement program of the insurance company, and correspondingly triggering and updating the equity state of the policy of the customer according to the feedback of the claim settlement interface of the insurance company;

after the client issues the right-maintaining requirement, the right-maintaining channel is pushed according to the feedback of the insurance company claim settlement interface, the rights and interests states of all policy of the client, the claim data of the client and the client right-maintaining claim, and the client policy information, the client doctor seeing condition and the claim data are provided for the right-maintaining task receiver.

2. The insurance business coprocessing method of claim 1, characterized in that after receiving the customer insurance policy information and the customer basic data entered by the terminal device, the following steps are further executed:

recording a login account of the terminal equipment, confirming client policy information and a client identification code corresponding to the client basic data, configuring a new client identification code for the client when the corresponding client identification code is lacked, and updating the entry time of the client identification code, the client policy information and the client basic data to the login account of the terminal equipment.

3. The insurance business coprocessing method according to claim 2, characterized in that after receiving the customer behavior habits acquired by the acquisition interface, or after generating an insurance product combination scheme, or after entering the signing information and uploading to the corresponding insurance company signing system through the signing interface, the following steps are further executed:

and recording a login account corresponding to the terminal equipment which completes the service, and updating a client identification code corresponding to the service, the client behavior habit, the insurance scheme and the input time of the subscription information to the login account of the terminal equipment.

4. The collaborative processing method for insurance services according to claim 2, wherein the client's visit situation and claim settlement data are uploaded in real time by a terminal device receiving the need for medical care;

the terminal equipment for receiving the medical accompanying requirements is specified by the customer or other terminal equipment;

the range of the specified terminal device includes the terminal device in which the account of the client is logged.

5. The collaborative processing method for insurance services according to claim 4, wherein after triggering the claim settlement interface of the corresponding insurance company to start the claim settlement program of the insurance company, or after triggering the update of the equity status of the client policy according to the feedback of the claim settlement interface of the insurance company, the following steps are further performed:

recording a login account corresponding to the terminal equipment which completes the service, and updating a client identification code corresponding to the service, a policy and rights state and the entry time of a claim settlement program to the login account of the terminal equipment;

and sending prompt information of a claim settlement program or claim settlement data to the contact account corresponding to the client identification code according to the feedback of the claim settlement interface of the insurance company.

6. The insurance business coprocessing method of claim 1-5, further comprising the steps of:

counting the service data and the input time of the service data under the login account items of each terminal device according to a preset period;

and respectively calculating the service performance of each terminal account according to the completion amount and the commission ratio of the service data under each login account item.

7. An insurance business coprocessing system, characterized by comprising:

the policy management unit is used for receiving externally input customer policy information and dynamically tracking the rights and interests states of each policy of the customer according to the customer policy information;

the risk evaluation unit is used for receiving externally input client basic data and/or client peripheral data called by a third-party interface, establishing a basic guarantee database aiming at each client and calculating a basic risk prompt scheme;

the rapid diagnosis unit is used for providing a collection interface of the behavior habits of the customers, dynamically correcting the risk models of the customers according to the behavior habits of the customers, and calculating a guarantee scheme according to the correction condition of the risk models of the customers and the rights and interests states of all policy of the customers;

the intelligent matching unit is butted with the full product library and is used for matching insurance products according to the client risk model, the equity state of the client insurance policy and the basic guarantee database of the client to generate an insurance product combination scheme in accordance with the guarantee scheme;

the one-key signing unit is provided with signing interfaces which are respectively butted with the signing systems of the insurance companies, the signing interfaces of the signing systems of the corresponding insurance companies are called according to the insurance schemes selected by the clients, a standardized signing flow is generated according to the signing requirements of the insurance companies, and signing information is input by the standardized signing flow and uploaded to the signing systems of the corresponding insurance companies through the signing interfaces;

the medical care accompanying unit is used for receiving medical care accompanying requirements issued by the client, calling the equity state of each policy of the client, calculating a medical care scheme, providing a medical resource interface and prompting claim settlement information according to the medical care condition of the client;

the agent claim settlement unit is connected with the hospitalizing accompanying and attending unit, tracks the hospitalizing condition of the client in real time and receives externally-input claim settlement data, is also connected with a claim settlement interface of each insurance company to trigger a claim settlement program of the insurance company, and correspondingly triggers the policy escrow unit to update the rights and interests state of the client policy according to the feedback of the claim settlement interface of the insurance company;

the claim right management unit is connected with the agent claim management unit, pushes a right management channel according to the feedback of the insurance company claim management interface, the rights and interests states of all policy of the client, the claim data of the client and the client right management claim, and provides client policy information, client doctor seeing conditions and claim data for a right management task receiver.

8. The insurance business coprocessing system of claim 7, wherein the policy escrow unit, the risk assessment unit, the rapid diagnosis unit, the intelligent matching unit and the one-key signing unit are respectively connected with terminal devices with pre-sale authorities;

the hospitalizing accompanying unit, the agent claim settlement unit and the claim right settlement unit are respectively connected with terminal equipment with after-sale rights;

the system also respectively counts the business volume of each terminal device in the insurance policy escrow unit, the risk evaluation unit, the rapid diagnosis unit, the intelligent matching unit, the one-key signing unit, the medical care accompanying unit, the agent claim settlement unit and the claim settlement right maintenance unit, and calculates the business performance of each terminal account according to the business completion volume and the commission proportion in each unit.

9. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processing device, carries out the method of any one of claims 1-6.

10. An electronic device, comprising:

a memory for storing the executable program;

a processor for running the executable program;

wherein the processor is configured to implement the method of any of claims 1-6 via execution of the executable program.

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