CN115115443A - Policy reimbursement method and device, electronic equipment and storage medium - Google Patents
Policy reimbursement method and device, electronic equipment and storage medium Download PDFInfo
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Abstract
The invention provides a policy supplement and record method, a policy supplement and record device, electronic equipment and a storage medium, wherein the method comprises the following steps: comparing policy data in the insurance business data supervision system with policy data in the bank agent insurance business system to determine a unilateral difference policy; based on the basic policy information of the unilateral difference policy, inquiring in a service system of the insurance institution to obtain the network point transaction information corresponding to the unilateral difference policy; generating a supplementary recording information request of the unilateral difference policy based on the network point transaction information corresponding to the unilateral difference policy; and (4) supplementing and recording the unilateral difference insurance policy in the bank agent insurance business system based on returned data of the insurance agency business system for the supplement and record information request of the unilateral difference insurance policy. The method and the device provided by the invention improve the efficiency of policy entry, so that policy data in the bank agent insurance business system can be kept timely and accurate, and the data quality of the bank agent insurance business is improved.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a policy making and supplementing method, a policy making and supplementing 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, an offline policy which cannot be issued in real time can be prerecorded to a bank security system in advance through a preregistration mode, after manual approval and successful issuance of a policy by an insurance company are completed, a teller of a bank records the policy to the bank system through a paper policy provided by the insurance company, or records complete policy information to the bank security system through a file returned by the insurance company in batches after analysis in batches.
Disclosure of Invention
The invention provides a policy making and adding method, a policy making and adding device, electronic equipment and a storage medium, which are used for solving the technical problems of low efficiency, poor timeliness and poor accuracy of the policy making and adding method in the prior art which is finished manually.
The invention provides a policy making and supplementing method, which comprises the following steps:
comparing policy data in the insurance business data supervision system with policy data in the bank agent insurance business system to determine a unilateral difference policy;
based on the basic policy information of the unilateral difference policy, inquiring in a service system of a insurance institution to obtain the network point transaction information corresponding to the unilateral difference policy;
generating a supplementary recording information request of the unilateral difference policy based on the website transacting information corresponding to the unilateral difference policy;
and performing additional recording on the unilateral difference insurance policy in the bank agent insurance business system based on returned data of the request of the insurance agency business system for the additional recording information of the unilateral difference insurance policy.
According to the policy entry supplementing method provided by the invention, the supplementing entry of the unilateral difference policy in the bank agent insurance business system comprises the following steps:
if the unilateral difference policy has a double-recording requirement, generating a double-recording information request of the unilateral difference policy based on the double-recording requirement;
and supplementing and recording the unilateral difference insurance policy in the bank agent insurance business system based on returned data of the double-recording information request of the insurance agency business system for the unilateral difference insurance policy.
According to the policy additional recording method provided by the present invention, the additional recording of the unilateral difference policy in the bank agent insurance business system based on the returned data of the request of the insurance agency business system for the additional recording information of the unilateral difference policy comprises:
determining the insurance application date of the unilateral difference insurance policy based on the returned data of the supplementary recording information request of the insurance agency service system for the unilateral difference insurance policy;
determining the insurance mechanism cooperation number of the network points corresponding to the unilateral difference insurance policy in the natural year of the insurance policy based on the insurance application date of the unilateral difference insurance policy;
and if the cooperation number of the insurance institutions is less than or equal to the number of the supervision requirements, determining the compliance of the single-side difference policy, and supplementing and recording the single-side difference policy based on the returned data.
According to the policy entry method provided by the invention, the method for determining the number of insurance mechanism cooperation of the branch points corresponding to the unilateral difference policy in the natural year of the insurance date based on the insurance date of the unilateral difference policy comprises the following steps:
if the cooperation number of the insurance institutions is larger than the supervision requirement number, based on the basic policy information and/or the website transaction information of the unilateral difference policy, retrieving the unilateral difference policy in the bank agent insurance business system, and determining the historical record information of the unilateral difference policy;
and if the historical record information of the unilateral difference policy is not null, performing additional recording on the unilateral difference policy based on the returned data.
According to the policy making and recording method provided by the invention, the comparing the policy data in the insurance business data monitoring system with the policy data in the bank agent insurance business system to determine the unilateral difference policy comprises the following steps:
establishing policy corresponding relation between policy data in the insurance service data supervision system and policy data in the bank agent insurance service system by taking insurance agency codes and individual policy numbers as matching items;
determining a second policy corresponding to the first policy in the insurance business data supervision system based on the first policy in the bank agent insurance business system and the policy corresponding relation;
and comparing the information items in the first insurance policy with the information items in the second insurance policy item by item, and if any information item in the first insurance policy is inconsistent with the corresponding information item in the second insurance policy or any information item in the first insurance policy is empty, taking the first insurance policy as a unilateral difference insurance policy.
According to the policy entry supplementing method provided by the invention, the supplementing entry of the unilateral difference policy in the bank agent insurance business system comprises the following steps:
if the single-side difference policy is successfully supplemented, marking the supplement result of the single-side difference policy as finished;
if the single-side difference policy fails to be additionally recorded, marking the additional recording result of the single-side difference policy as incomplete, and recording the reason of the failure of the additional recording of the single-side difference policy;
and generating an additional information query report of the bank agent insurance business system based on the additional recording results and/or the additional recording failure reasons of all the unilateral difference insurance policies in the bank agent insurance business system.
The invention provides a policy supplementary recording device, comprising:
the comparison unit is used for comparing the policy data in the insurance business data supervision system with the policy data in the bank agent insurance business system to determine a unilateral difference policy;
the query unit is used for querying a website transaction information corresponding to the unilateral difference policy in a security agency service system based on the policy basic information of the unilateral difference policy;
the request unit is used for generating a supplementary information request of the unilateral difference policy based on the website transacting information corresponding to the unilateral difference policy;
and the additional recording unit is used for additionally recording the unilateral difference insurance policy in the bank agent insurance business system based on returned data of the additional recording information request of the insurance agency business system for the unilateral difference insurance policy.
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 entry 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 reimbursement method.
The invention provides a computer program product comprising a computer program which, when executed by a processor, implements the policy reimbursement method.
The insurance policy additional recording method, the insurance policy additional recording device, the electronic equipment and the storage medium provided by the invention compare insurance policy data in the insurance service data supervision system with insurance policy data in the bank agent insurance service system to determine a unilateral difference insurance policy; according to the basic policy information of the unilateral difference policy, inquiring in a service system of the insurance institution to obtain the network point transaction information corresponding to the unilateral difference policy; generating a supplementary recording information request of the unilateral difference policy according to the network point transaction information corresponding to the unilateral difference policy; according to the returned data of the insurance agency service system for the request of the additional recording information of the unilateral difference insurance policy, the unilateral difference insurance policy is additionally recorded in the bank agent insurance service system, so that the additional recording of the insurance policy data is not dependent on the manual additional recording operation of bank replacement personnel, the unilateral difference insurance policy can be automatically determined according to the insurance policy data in the insurance service data supervision system, the corresponding returned data is automatically obtained from the insurance agency service system for additional recording of the insurance policy, the efficiency of additional recording of the insurance policy is improved, the additional recording error possibly caused by manual additional recording is reduced, the insurance policy data in the bank agent insurance service system can be kept timely and accurate, and the data quality of the bank replacement insurance service is improved.
Drawings
In order to more clearly illustrate the technical solutions of the present invention or the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
FIG. 1 is a schematic flow chart of a policy entry method according to the present invention;
FIG. 2 is a block diagram of an implementation of the policy-based entry method of the present invention;
FIG. 3 is a schematic structural diagram of a policy adding device according to the present invention;
FIG. 4 is a control logic diagram of the policy entry device provided by 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 entry method provided by the present invention, and as shown in fig. 1, the method includes step 110, step 120, step 130, and step 140.
Specifically, the bank agent insurance business system in the embodiment of the present invention is a data system for handling insurance business by a bank, such as a bank insurance system. The insurance business data supervision system is a third-party financial basic data system, such as a bank insurance system.
Fig. 2 is a frame diagram of an implementation of the policy-charging method provided by the present invention, and as shown in fig. 2, the policy-charging method includes an insurance agency business system 210, a bank agent insurance business system 220 (bank insurance system), and an insurance business data monitoring system 230 (bank insurance system). The bank agent insurance business system 220 is used for bank agent sales insurance business. The insurance agency service system 210 transmits the insurance policy total data (including insurance policy initial date data and insurance policy after-sale data) to the insurance service data supervision system 230 within a specified time limit, and transmits the insurance after-sale data to the bank agent insurance service system 220 in a batch return manner. The bank agent insurance business system 220 is in communication connection with the insurance business data monitoring system 230 to obtain insurance policy full volume data in the insurance business data monitoring system.
The client can transact insurance business through the bank outlet. Because the insurance policy has strict rules of insurance policy, the insurance mechanism is required to give an order after manual insurance policy is carried out under special conditions such as the age of the insurance applicant is out of limit. In this case, the bank reseller needs to pre-register the basic information of the policy to the bank agent insurance business system by means of pre-registration (pre-registering the basic information of the policy), and then obtain the complete information of the policy by means of synchronous return of the security information of the insurance agency. The insurance organization can also upload the policy data of the insurance business handled by the client to the insurance business data supervision system in time.
Because the update of the security information passively depends on the cooperative insurance institutions of the bank, the accuracy and timeliness of the security information can not be ensured in consideration of the fact that the development levels of the insurance institutions are different, and therefore the supplement and entry of the policy can be inaccurate and untimely. In addition, whether the security information can be successfully recorded in the bank agent insurance business system depends on timely and accurate pre-recording of bank dealers, and if the security information is not timely pre-recorded in the bank agent insurance business system or is recorded wrongly, the security information cannot be updated in the bank agent insurance business system even if the security mechanism timely returns the security information.
Therefore, the information of the insurance policy transacted by the same client in the bank agent insurance business system is inconsistent with the information of the insurance business data monitoring system, so that the data quality of the bank reimbursement insurance business is poor, and the development of the bank reimbursement insurance business is influenced.
The unilateral difference policy is the policy which exists in the bank agent insurance business system and is not pre-registered or has missing or wrong pre-registered information. As the policy data in the insurance business data supervision system is the most timely and accurate insurance business data, the policy data in the insurance business data supervision system can be compared with the policy data in the bank agent insurance business system, and the unilateral difference policy in the bank agent insurance business system can be determined.
And step 120, inquiring and obtaining the network point transaction information corresponding to the unilateral difference policy in the insurance agency service system based on the policy basic information of the unilateral difference policy.
Specifically, the insurance policy basic information includes applicant information, insurance policy number, information to be applied, and the like. One or more information items in the basic information of the unilateral difference policy can be used as query keywords to query the network transaction information corresponding to the unilateral difference policy in the insurance agency service system. The network point transaction information comprises the information of the network point to which the policy belongs, the information of the reseller and the like. The affiliate information may include name and job number, etc.
For example, a bank agent insurance business system may be communicatively coupled to a cooperating plurality of insurance agency business systems. After the bank agent insurance business system queries and obtains a plurality of unilateral difference insurance policies of a certain bank, the insurance policy number in the unilateral difference insurance policy can be used as a query key word, and the website transaction information corresponding to each unilateral difference insurance policy is obtained by searching in each insurance agency business system.
And step 130, generating a supplementary information request of the unilateral difference policy based on the website transacting information corresponding to the unilateral difference policy.
Specifically, the unilateral difference policy may be assigned to the corresponding bank branch according to the branch transaction information corresponding to the unilateral difference policy, the corresponding bank branch performs verification to generate the additional recording information request of the unilateral difference policy, and the additional recording information request is sent to the insurance agency service system of the corresponding insurance agency.
For example, according to the website transaction information corresponding to the unilateral difference policy, it can be known that the unilateral difference policy is revoked by the reseller a of the banking website a, and then the unilateral difference policy can be sent to the client of the reseller a, and after the client receives the verification information input by the reseller a, the information item required to be added in the unilateral difference policy is confirmed. And the client generates an additional information request according to the information items required to be additionally recorded and sends the additional information request to the corresponding insurance agency service system.
And step 140, performing additional recording on the unilateral difference insurance policy in the bank agent insurance business system based on the returned data of the request of the insurance agency business system for the additional recording information of the unilateral difference insurance policy.
Specifically, the insurance agency business system receives the supplementary recording information request of the unilateral difference insurance policy, determines the information corresponding to the information item needing supplementary recording according to the supplementary recording information request, and sends the information serving as return data to the bank agent insurance business system. And after receiving the returned data, the bank agent insurance business system carries out additional recording on the information items needing additional recording in the unilateral difference policy.
The insurance policy supplementary recording method provided by the embodiment of the invention compares the insurance policy data in the insurance service data supervision system with the insurance policy data in the bank agent insurance service system to determine the unilateral difference insurance policy; according to the basic policy information of the unilateral difference policy, inquiring in a service system of the insurance institution to obtain the network point transaction information corresponding to the unilateral difference policy; generating a supplementary recording information request of the unilateral difference policy according to the network point transaction information corresponding to the unilateral difference policy; according to the returned data of the insurance agency service system for the request of the additional recording information of the unilateral difference insurance policy, the unilateral difference insurance policy is additionally recorded in the bank agent insurance service system, so that the additional recording of the insurance policy data is not dependent on the manual additional recording operation of bank replacement personnel, the unilateral difference insurance policy can be automatically determined according to the insurance policy data in the insurance service data supervision system, the corresponding returned data is automatically obtained from the insurance agency service system for additional recording of the insurance policy, the efficiency of additional recording of the insurance policy is improved, the additional recording error possibly caused by manual additional recording is reduced, the insurance policy data in the bank agent insurance service system can be kept timely and accurate, and the data quality of the bank replacement insurance service is improved.
Based on the above embodiment, step 140 includes:
if the unilateral difference policy has double-recording requirements, generating a double-recording information request of the unilateral difference policy based on the double-recording requirements;
and on the basis of returned data of the double-record information request of the single-side difference insurance policy by the insurance agency service system, the single-side difference insurance policy is subjected to additional recording in the bank agent insurance service system.
Specifically, the requirement of double recording means that recording and video recording of an applicant are required when insurance business is transacted. For part of unilateral difference insurance policies, according to related requirements, audio and video recording when a client transacts insurance business needs to be stored simultaneously. Therefore, whether the unilateral difference policy has double recording requirements can be judged according to the information items in the unilateral difference policy.
And if the double recording requirement exists, generating a double recording information request of the unilateral difference policy according to the double recording requirement. And sending the double-record information request to an insurance agency service system. And the insurance agency service system responds to the double-record information request and sends return data corresponding to the double-record information request to the bank agent insurance service system to complete the supplementary recording of the single-side difference insurance policy.
If the double recording requirement does not exist, the double recording information request of the unilateral difference policy does not need to be generated according to the double recording requirement. It can be determined whether other additional rules are satisfied.
According to the policy maintenance supplementary recording method provided by the embodiment of the invention, the accuracy of policy maintenance supplementary recording is improved by verifying whether the unilateral difference policy has double recording requirements.
Based on any of the above embodiments, step 140 includes:
determining the insurance application date of the unilateral difference insurance policy based on the returned data of the supplementary recording information request of the insurance agency service system for the unilateral difference insurance policy;
determining the insurance mechanism cooperation number of the network points corresponding to the unilateral difference insurance policy in the natural year of the insurance policy based on the insurance policy applying date of the unilateral difference insurance policy;
and if the cooperation number of the insurance institutions is less than or equal to the number required for supervision, determining the compliance of the single-side difference insurance policy, and supplementing and recording the single-side difference insurance policy based on the returned data.
Specifically, in the case of policy entry, the rule to be satisfied further includes whether the requirement of the insurance agency cooperation number is satisfied. For example, a bank outlet can only work with no more than 3 insurance institutions in a natural year.
Firstly, the insurance date of the unilateral difference insurance policy can be determined according to the returned data of the supplementary recording information request of the unilateral difference insurance policy by the insurance agency service system, and then the natural year of the insurance date is determined.
And secondly, acquiring the insurance mechanism cooperation number of the network points corresponding to the unilateral difference insurance policy in the natural year. And if the number of the insurance agency cooperation is less than or equal to the number of the supervision requirements, determining the unilateral difference policy compliance. At this time, the single-side difference policy can be added according to the returned data.
The insurance policy additional recording method provided by the embodiment of the invention improves the accuracy of insurance policy additional recording by verifying whether the unilateral difference insurance policy meets the supervision requirement of the insurance agency cooperation quantity.
Based on any of the embodiments, determining the insurance agency cooperation number of the branch points corresponding to the unilateral difference policy in the natural year where the insurance date is located based on the application date of the unilateral difference policy, and then:
if the cooperation number of the insurance institutions is larger than the supervision requirement number, based on the basic policy information and/or the network point transaction information of the unilateral difference policy, the unilateral difference policy is retrieved in the bank agent insurance business system, and the historical record information of the unilateral difference policy is determined;
and if the historical record information of the unilateral difference policy is not null, performing additional recording on the unilateral difference policy based on the returned data.
Specifically, if the insurance agency number of collaborations is greater than the regulatory requirement number, it indicates that the one-sided differential policy may not be in compliance. At this time, the history information of the one-side difference policy should be combined for judgment.
According to the basic policy information and/or the website transaction information of the unilateral difference policy, the unilateral difference policy is retrieved in the bank agent insurance business system to obtain the historical record information of the unilateral difference policy.
If the history information of the unilateral difference policy is not null, the unilateral difference policy is indicated to have history information in the bank agent insurance business system, and belongs to the policy handled by the bank branch and the unilateral difference policy compliance. The single-side difference policy can be added according to the returned data.
If the history information of the unilateral difference policy is null, the unilateral difference policy is indicated to be not compliant, the unilateral difference policy can be marked as a waste policy, and the reason for the incapability of being additionally recorded is marked.
According to the policy maintenance entry supplementing method provided by the embodiment of the invention, whether the unilateral difference policy is in compliance or not is verified through the historical record information, so that the accuracy of policy maintenance entry supplementing is improved.
Based on any of the above embodiments, step 110 includes:
establishing a policy corresponding relation between policy data in an insurance service data supervision system and policy data in a bank agent insurance service system by taking an insurance agency code and a personal policy number as matching items;
determining a second insurance policy corresponding to the first insurance policy in the insurance business data supervision system based on the first insurance policy in the bank agent insurance business system and the corresponding relation of the insurance policies;
and comparing the information items in the first policy with the information items in the second policy one by one, and if any information item in the first policy is inconsistent with the corresponding information item in the second policy or any information item in the first policy is empty, taking the first policy as a unilateral difference policy.
Specifically, considering that a policy can be uniquely determined by an insurance agency code and a personal policy number in the policy, a policy corresponding relationship between policy data in the bank agent insurance business system and policy data in the insurance business data supervision system 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 bank agent insurance service system and the policy data in the insurance service data supervision system.
According to the first policy in the bank agent insurance business system and the policy corresponding relation, the corresponding second policy of the first policy in the insurance business data supervision system can be determined.
And comparing the information items in the first policy with the information items in the second policy item one by one, if any one of the information items in the first policy item is inconsistent with the corresponding information item in the second policy item or any one of the information items in the first policy item is null, indicating that the information in the second policy item is wrong or missing, and taking the first policy item as a unilateral difference policy item.
The insurance policy entry supplementing method provided by the embodiment of the invention determines the corresponding relationship of the insurance policy data in the bank agent insurance business system and the insurance policy data in the insurance business data supervision system by taking the insurance agency code and the personal insurance policy number as matching items, thereby improving the accuracy of the insurance policy entry supplementing.
Based on any of the above embodiments, step 140 includes, after:
if the single-side differential policy is successfully completed, marking the completion of the supplementary recording result of the single-side differential policy as completed;
if the single-side differential policy fails to be additionally recorded, marking the additional recording result of the single-side differential policy as incomplete, and recording the reason of the failure of the additional recording of the single-side differential policy;
and generating an additional record information inquiry report form of the bank agent insurance business system based on the additional record results and/or the additional record failure reasons of all the unilateral difference insurance policies in the bank agent insurance business system.
Specifically, if the single-side differential policy is successfully completed, the completion of the single-side differential policy can be marked as completed; if the single-side differential policy fails to be supplemented, the supplementing result of the single-side differential policy can be marked as incomplete, and the reason for the supplementing failure of the single-side differential policy is recorded.
According to the additional recording results and/or the additional recording failure reasons of all unilateral difference insurance policies in the bank agent insurance business system, an additional recording information query report of the bank agent insurance business system can be generated for a manager or a bank reseller to query, timely know the additional recording progress, clarify the additional recording failure reasons and effectively monitor the additional recording of the insurance policies.
Based on any of the above embodiments, fig. 3 is a schematic structural diagram of a policy-based entry-supplementing device provided by the present invention, as shown in fig. 3, the device includes:
a comparison unit 310, configured to compare policy data in the insurance service data monitoring system with policy data in the bank agent insurance service system, and determine a single-side difference policy;
the query unit 320 is configured to query, in the insurance agency service system, the branch transaction information corresponding to the unilateral difference policy based on the policy basic information of the unilateral difference policy;
a request unit 330, configured to generate a supplementary recording information request of a unilateral difference policy based on the website transacting information corresponding to the unilateral difference policy;
the additional recording unit 340 is configured to additionally record the one-sided differential policy in the bank agent insurance business system based on the returned data of the request of the insurance agency business system for the additional recording information of the one-sided differential policy.
The insurance policy supplementary recording device provided by the embodiment of the invention compares the insurance policy data in the insurance business data supervision system with the insurance policy data in the bank agent insurance business system to determine the unilateral difference insurance policy; according to the basic policy information of the unilateral difference policy, inquiring in a service system of the insurance institution to obtain the network point transaction information corresponding to the unilateral difference policy; generating a supplementary recording information request of the unilateral difference policy according to the network point transaction information corresponding to the unilateral difference policy; according to the returned data of the insurance agency service system for the request of the additional recording information of the unilateral difference insurance policy, the unilateral difference insurance policy is additionally recorded in the bank agent insurance service system, so that the additional recording of the insurance policy data is not dependent on the manual additional recording operation of bank replacement personnel, the unilateral difference insurance policy can be automatically determined according to the insurance policy data in the insurance service data supervision system, the corresponding returned data is automatically obtained from the insurance agency service system for additional recording of the insurance policy, the efficiency of additional recording of the insurance policy is improved, the additional recording error possibly caused by manual additional recording is reduced, the insurance policy data in the bank agent insurance service system can be kept timely and accurate, and the data quality of the bank replacement insurance service is improved.
Based on any of the above embodiments, the entry-supplementing unit is specifically configured to:
if the unilateral difference policy has double-recording requirements, generating a double-recording information request of the unilateral difference policy based on the double-recording requirements; and on the basis of returned data of the double-record information request of the single-side difference insurance policy by the insurance agency service system, the single-side difference insurance policy is subjected to additional recording in the bank agent insurance service system.
Based on any of the above embodiments, the entry-supplementing unit is further specifically configured to:
determining the insurance application date of the unilateral difference insurance policy based on the returned data of the supplementary recording information request of the insurance agency service system for the unilateral difference insurance policy; determining the insurance mechanism cooperation number of the network points corresponding to the unilateral difference insurance policy in the natural year of the insurance policy based on the insurance policy applying date of the unilateral difference insurance policy; and if the cooperation number of the insurance institutions is less than or equal to the number required for supervision, determining the compliance of the single-side difference insurance policy, and supplementing and recording the single-side difference insurance policy based on the returned data.
Based on any of the above embodiments, the entry-supplementing unit is further specifically configured to:
if the cooperation quantity of the insurance institutions is greater than the supervision requirement quantity, searching the unilateral difference policy in a bank agent insurance business system based on basic policy information and/or branch transaction information of the unilateral difference policy, and determining the historical record information of the unilateral difference policy; and if the historical record information of the unilateral difference policy is not null, performing additional recording on the unilateral difference policy based on the returned data.
Based on any of the above embodiments, the comparison unit is specifically configured to:
establishing a policy corresponding relation between policy data in an insurance service data supervision system and policy data in a bank agent insurance service system by taking an insurance agency code and a personal policy number as matching items; determining a second insurance policy corresponding to the first insurance policy in the insurance business data supervision system based on the first insurance policy in the bank agent insurance business system and the corresponding relation of the insurance policies; and comparing the information items in the first policy with the information items in the second policy one by one, and if any information item in the first policy is inconsistent with the corresponding information item in the second policy or any information item in the first policy is empty, taking the first policy as a unilateral difference policy.
Based on any of the above embodiments, the apparatus further comprises:
the report generation unit is used for marking the supplement and record result of the single-side difference insurance policy as finished if the single-side difference insurance policy is successfully supplemented and recorded; if the single-side differential policy fails to be additionally recorded, marking the additional recording result of the single-side differential policy as incomplete, and recording the reason of the failure of the additional recording of the single-side differential policy; and generating an additional record information inquiry report form of the bank agent insurance business system based on the additional record results and/or the additional record failure reasons of all the unilateral difference insurance policies in the bank agent insurance business system.
Based on any of the above embodiments, fig. 4 is a control logic diagram of the policy entry device provided in the present invention, and as shown in fig. 4, the control logic includes:
and step 410, the system is butted with a bank insurance system, and all the basic information of the insurance policy of the agency in the bank insurance system is obtained in time by establishing a special line connection with the bank insurance system and is used as reference data.
And step 450, additional recording result query and report downloading, wherein the teller can query the additional recording result and the reason of the failure of automatic additional recording through the module, so that statistics of the number of offline orders and analysis of the reason of failure of additional recording are facilitated. Meanwhile, the module can also be provided for a management layer to use, master the policy and supplementary recording progress in real time and be used for supervising, urging and checking.
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:
comparing policy data in the insurance business data supervision system with policy data in the bank agent insurance business system to determine a unilateral difference policy; based on the basic policy information of the unilateral difference policy, inquiring in a service system of the insurance institution to obtain the network point transaction information corresponding to the unilateral difference policy; generating a supplementary recording information request of the unilateral difference policy based on the network point transaction information corresponding to the unilateral difference policy; and (4) supplementing and recording the unilateral difference insurance policy in the bank agent insurance business system based on returned data of the insurance agency business system for the supplement and record information request of the unilateral difference insurance policy.
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 this 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 entry method, comprising:
comparing policy data in the insurance business data supervision system with policy data in the bank agent insurance business system to determine a unilateral difference policy;
based on the basic policy information of the unilateral difference policy, inquiring in a service system of a insurance institution to obtain the network point transaction information corresponding to the unilateral difference policy;
generating a supplementary recording information request of the unilateral difference policy based on the website transacting information corresponding to the unilateral difference policy;
and performing additional recording on the unilateral difference insurance policy in the bank agent insurance business system based on returned data of the request of the insurance agency business system for the additional recording information of the unilateral difference insurance policy.
2. The policy entry method according to claim 1, wherein said entry of said one-sided difference policy in said bank agent insurance business system comprises:
if the unilateral difference policy has a double-recording requirement, generating a double-recording information request of the unilateral difference policy based on the double-recording requirement;
and supplementing and recording the unilateral difference insurance policy in the bank agent insurance business system based on returned data of the double-recording information request of the insurance agency business system for the unilateral difference insurance policy.
3. The method according to claim 1, wherein said subsidizing the one-sided differential policy in the bank agent insurance business system based on the returned data of the request for the subsidizing information of the one-sided differential policy from the insurance agency business system comprises:
determining the insurance application date of the unilateral difference insurance policy based on the returned data of the supplementary recording information request of the insurance agency service system for the unilateral difference insurance policy;
determining the insurance mechanism cooperation number of the network points corresponding to the unilateral difference insurance policy in the natural year of the insurance policy based on the insurance application date of the unilateral difference insurance policy;
and if the cooperation number of the insurance institutions is less than or equal to the number of the supervision requirements, determining the compliance of the single-side difference policy, and supplementing and recording the single-side difference policy based on the returned data.
4. The method of claim 3, wherein determining the number of insurance agency collaborations at the branch point corresponding to the one-sided difference policy in the natural year on which the application date is based on the application date of the one-sided difference policy comprises:
if the cooperation number of the insurance institutions is larger than the supervision requirement number, based on the basic policy information and/or the website transaction information of the unilateral difference policy, retrieving the unilateral difference policy in the bank agent insurance business system, and determining the historical record information of the unilateral difference policy;
and if the historical record information of the unilateral difference policy is not null, performing additional recording on the unilateral difference policy based on the returned data.
5. The policy entry method according to any one of claims 1 to 4, wherein comparing policy data in the insurance data administration system with policy data in the bank agent insurance business system to determine a one-sided differential policy comprises:
establishing policy corresponding relation between policy data in the insurance service data supervision system and policy data in the bank agent insurance service system by taking insurance agency codes and individual policy numbers as matching items;
determining a second policy corresponding to the first policy in the insurance business data supervision system based on the first policy in the bank agent insurance business system and the policy corresponding relation;
and comparing the information items in the first insurance policy with the information items in the second insurance policy item by item, and if any information item in the first insurance policy is inconsistent with the corresponding information item in the second insurance policy or any information item in the first insurance policy is empty, taking the first insurance policy as a unilateral difference insurance policy.
6. The policy entry method according to any one of claims 1 to 4, wherein said entry of said one-sided differential policy in said bank agent insurance business system is followed by:
if the single-side difference policy is successfully supplemented, marking the supplement result of the single-side difference policy as finished;
if the single-side difference policy fails to be additionally recorded, marking the additional recording result of the single-side difference policy as incomplete, and recording the reason of the failure of the additional recording of the single-side difference policy;
and generating an additional information inquiry report form of the bank agent insurance business system based on the additional recording results and/or the additional recording failure reasons of all the unilateral difference insurance policies in the bank agent insurance business system.
7. A policy entry device, comprising:
the comparison unit is used for comparing the policy data in the insurance business data supervision system with the policy data in the bank agent insurance business system to determine a unilateral difference policy;
the query unit is used for querying a website transaction information corresponding to the unilateral difference policy in a security agency service system based on the policy basic information of the unilateral difference policy;
the request unit is used for generating a supplementary information request of the unilateral difference policy based on the website transacting information corresponding to the unilateral difference policy;
and the additional recording unit is used for additionally recording the unilateral difference insurance policy in the bank agent insurance business system based on returned data of the additional recording information request of the insurance agency business system for the unilateral difference insurance policy.
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 entry 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 entry 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 entry method according to any one of claims 1 to 6.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210605697.XA CN115115443A (en) | 2022-05-30 | 2022-05-30 | Policy reimbursement method and device, electronic equipment and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210605697.XA CN115115443A (en) | 2022-05-30 | 2022-05-30 | Policy reimbursement method and device, electronic equipment and storage medium |
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| CN115115443A true CN115115443A (en) | 2022-09-27 |
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| CN202210605697.XA Pending CN115115443A (en) | 2022-05-30 | 2022-05-30 | Policy reimbursement method and device, electronic equipment and storage medium |
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| CN110930123A (en) * | 2019-11-29 | 2020-03-27 | 泰康保险集团股份有限公司 | Data processing method and device, electronic equipment and storage medium |
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| 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 |
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