CN116739731A - Bank insurance policy issuing management system and method based on SaaS mode - Google Patents

Abstract

The application discloses a bank insurance policy issuing management system and method based on a SaaS mode, and relates to the technical field of financial management. The system comprises: the background management subsystem is used for monitoring and configuring the silver-saving service subsystem; the silver-insurance service subsystem is used for receiving silver-insurance service and carrying out service processing; the gateway subsystem is used for identifying the source and the type of the data, carrying out data encryption and decryption processing, and sending the corresponding data to the corresponding service for processing; and the data processing subsystem is used for placing the data operation related in the silver-back service flow into the message queue, and acquiring the data to be processed from the message queue for processing. The application changes the bank insurance business system into SaaS and builds a unified interface platform, thereby reducing the cost of special lines; by using the multi-tenant technology, the business efficiency of the bank insurance company and the utilization rate of the IT infrastructure are improved, and meanwhile, the safety of data is ensured.

Description

Bank insurance policy issuing management system and method based on SaaS mode

Technical Field

The application relates to the technical field of financial management, in particular to a bank insurance policy issuing management system and method based on a SaaS mode.

Background

The current bank insurance policy issuing business mainly is that a bank is directly in butt joint with an insurance, wherein a plurality of problems exist:

1. development efficiency is low. The bank-keeping external connection system of each bank is independently developed, so that the interfaces are inconsistent, and in the normal case, when an insurance company is in butt joint with the bank, the insurance company is in butt joint with the bank interfaces, and the corresponding interfaces are redeveloped for each bank in butt joint with the insurance company, so that the development period is longer, and the labor cost is higher;

2. the cost of the special line is high. The insurance company needs at least two special lines (main and standby) for butting each bank, the more the butted banks are, the higher the special line cost is (see figure 1), and since 2018, the silver-insurance supervision requires the silver-insurance business process to carry out double recording, and the insurance company also needs to build a special line with a third-party double recording platform for uploading double-recording video files, so that the special line cost is further increased;

3. maintenance is complex. The system interfaces are not uniform, and the number of special lines is large, so that great difficulty is brought to technical work.

Disclosure of Invention

In order to overcome the problems or at least partially solve the problems, the application provides a bank insurance delivery management system and a method based on a SaaS mode, which are used for converting a bank insurance business system into SaaS and constructing a unified interface platform so as to reduce the cost of a private line; by using the multi-tenant technology, the business efficiency of the bank insurance company and the utilization rate of the IT infrastructure are improved, and meanwhile, the safety of data is ensured.

In order to solve the technical problems, the application adopts the following technical scheme:

in a first aspect, the present application provides a bank insurance policy issuing management system based on a SaaS mode, including a background management subsystem, a silver-saving service subsystem, a gateway subsystem, and a data processing subsystem, wherein:

the background management subsystem is used for monitoring and configuring the silver-saving service subsystem;

the silver-insurance service subsystem is used for receiving silver-insurance service and carrying out service processing;

the gateway subsystem is used for identifying the source and the type of the data, carrying out data encryption and decryption processing, and sending the corresponding data to the corresponding service for processing;

and the data processing subsystem is used for placing the data operation related in the silver-back service flow into the message queue, and acquiring the data to be processed from the message queue for processing.

The system combines a plurality of plates such as a background management subsystem, a silver-insurance business subsystem, a gateway subsystem and a data processing subsystem to make a bank insurance business system SaaS, builds a unified interface platform, improves the business efficiency of a bank insurance company and the utilization rate of an IT infrastructure by using a multi-tenant technology, and ensures the safety of data. The system can reduce the development work and operation difficulty of the insurance company by integrating the bank interface and integrating a set of standard interface. In addition, based on the mode that the system uses the private line to share, the cost and complexity of separately constructing the private line between the insurance company and each bank can be reduced, and the private line butt joint with all banks can be realized only by communicating with the system.

Based on the first aspect, further, the background management subsystem includes a collaborative banking management module, an agent management module, a website management module, and an information query module, wherein:

the cooperation bank management module is used for adding and configuring the cooperation bank and carrying out real-time service processing after the configuration is successful;

the agent management module is used for managing agent information and agent organization information of acting channels;

the website management module is used for managing banking website information required by real-time transaction;

and the information inquiry module is used for inquiring the policy double-record video, the policy information and the transaction information.

Based on the first aspect, further, the information query module includes a double-record task query unit, a policy query unit, and a transaction query unit, where:

the double-record task query unit is used for querying the information of the processing condition of the policy double-record video;

the policy inquiry unit is used for sending a policy inquiry request to the insurance company and checking policy information returned by the insurance company;

and the transaction inquiry unit is used for inquiring all transaction information under the current architecture.

Based on the first aspect, further, the silver-saving service subsystem includes a real-time online transaction service module and a batch processing service module, wherein:

the real-time online transaction service module is used for receiving a bank real-time bill making request, carrying out request processing, generating and forwarding a processed result to a corresponding insurance company or bank;

and the batch processing service module is used for analyzing the bank batch processing file and sending the analyzed file to an insurance company for processing.

Based on the first aspect, further, the gateway subsystem includes a data identification module and a data encryption and decryption module, where:

the data identification module is used for identifying the data source and the transaction type and sending the data to the corresponding service for processing according to the identification result;

and the data encryption and decryption module is used for decrypting or encrypting the received or returned data.

In a second aspect, the present application provides a bank insurance policy issuing method based on SaaS mode applying the system in the first aspect, comprising the steps of:

monitoring and service configuration are carried out on the silver-saving service subsystem based on the background management subsystem;

carrying out service processing based on the silver-service subsystem for carrying out silver-service;

identifying the source and the type of the data based on the gateway subsystem, carrying out data encryption and decryption processing, and sending the corresponding data to the corresponding service for processing;

and the data processing subsystem is used for placing the data operation related to the silver-back service flow into a message queue, and acquiring the data to be processed from the message queue for processing.

The application has at least the following advantages or beneficial effects:

the application provides a bank insurance export management system and a method based on a SaaS mode, which are used for converting a bank insurance business system into SaaS, constructing a unified interface platform, improving the business efficiency of a bank insurance company and the utilization rate of an IT infrastructure by using a multi-tenant technology, and ensuring the safety of data. The development work and operation and maintenance difficulty of the insurance department can be reduced by integrating the bank interface and integrating a set of standard interface. In addition, the special line sharing mode can reduce the cost and complexity of independently constructing the special line between the insurance company and each bank.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are needed in the embodiments will be briefly described below, it being understood that the following drawings only illustrate some embodiments of the present application and therefore should not be considered as limiting the scope, and other related drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.

FIG. 1 is a schematic diagram of a prior art connection of a bank private line of an insurance company;

fig. 2 is a schematic diagram of a private line connection between a post-insurance company and a butt bank according to an embodiment of the present application;

FIG. 3 is a schematic diagram of a data processing flow of a real-time online transaction service module according to an embodiment of the present application;

fig. 4 is a schematic diagram of a batch service module data processing flow in an embodiment of the application.

Detailed Description

For the purpose of making the objects, technical solutions and advantages of the embodiments of the present application more apparent, the technical solutions of the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present application, and it is apparent that the described embodiments are some embodiments of the present application, but not all embodiments of the present application. The components of the embodiments of the present application generally described and illustrated in the figures herein may be arranged and designed in a wide variety of different configurations.

Thus, the following detailed description of the embodiments of the application, as presented in the figures, is not intended to limit the scope of the application, as claimed, but is merely representative of selected embodiments of the application. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.

It should be noted that: like reference numerals and letters denote like items in the following figures, and thus once an item is defined in one figure, no further definition or explanation thereof is necessary in the following figures.

It is noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.

In the description of the embodiments of the present application, "plurality" means at least 2.

Examples:

in a first aspect, an embodiment of the present application provides a bank insurance policy issuing management system based on a SaaS mode, including a background management subsystem, a banking business subsystem, a gateway subsystem, and a data processing subsystem, where:

the background management subsystem is used for monitoring and configuring the silver-saving service subsystem;

the silver-insurance service subsystem is used for receiving silver-insurance service and carrying out service processing;

the gateway subsystem is used for identifying the source and the type of the data, carrying out data encryption and decryption processing, and sending the corresponding data to the corresponding service for processing;

and the data processing subsystem is used for placing the data operation related in the silver-back service flow into the message queue, and acquiring the data to be processed from the message queue for processing. In order to avoid response timeout, the database operation is separated from a data processing subsystem, the operations related to the data operation and time consuming operations in the silver-back business flow are uniformly put into a message queue, and the data processing subsystem acquires the data to be processed from the message queue for processing.

The system combines a plurality of plates such as a background management subsystem, a silver-insurance business subsystem, a gateway subsystem and a data processing subsystem to make a bank insurance business system SaaS, builds a unified interface platform, improves the business efficiency of a bank insurance company and the utilization rate of an IT infrastructure by using a multi-tenant technology, and ensures the safety of data. The system can reduce the development work and operation difficulty of the insurance company by integrating the bank interface and integrating a set of standard interface. In addition, the cost and complexity of separately constructing the private line with each bank by the insurance company can be reduced based on the mode of using the private line to share the system, and the private line butt joint with all banks can be realized only by communicating with the system, as shown in fig. 2.

The system can effectively reduce the cost of the private line, and after the private line is connected with the my system, if the business of the cooperative bank of the my system needs to be opened, the existing private line can be used for connection, namely, the private line does not need to be built again as long as the bank of the my system is connected; the system can also improve development efficiency, differentiation of bank interfaces is unified by the collection of the my system, only one universal interface is reserved for the insurance department, and the insurance department can perform business by only developing one socket, newly cooperated banks and configuration as long as the insurance department is in butt joint with the my system.

Based on the first aspect, further, the background management subsystem includes a collaborative banking management module, an agent management module, a website management module, and an information query module, wherein:

the cooperation bank management module is used for adding and configuring the cooperation bank and carrying out real-time service processing after the configuration is successful; after the insurance company logs in the system, the function module can be added with a cooperative bank, and real-time service can be performed after successful configuration.

The agent management module is used for managing agent information and agent organization information of acting channels; agent information and agency information of the collaboration channel can be maintained through the functional module after the insurance company logs into the system.

The website management module is used for managing banking website information required by real-time transaction; the bank website information required by the real-time transaction can be maintained through the functional module after the insurance company logs in the system.

And the information inquiry module is used for inquiring the policy double-record video, the policy information and the transaction information.

Based on the first aspect, further, the information query module includes a double-record task query unit, a policy query unit, and a transaction query unit, where:

the double-record task query unit is used for querying the information of the processing condition of the policy double-record video; after the insurance department logs in the system, the function unit can check the processing condition of the insurance policy double-record video.

The policy inquiry unit is used for sending a policy inquiry request to the insurance company and checking policy information returned by the insurance company; after the insurance department logs in the system, the function unit can inquire about the insurance policy information, and the function can trigger the insurance department to request the insurance department and the insurance department to return the insurance policy information.

The transaction inquiry unit is used for inquiring all transaction information under the current architecture; the underwriter may then query all transactions under the current institution via the functional unit after logging into the system.

Based on the first aspect, further, the silver-saving service subsystem includes a real-time online transaction service module and a batch processing service module, wherein:

the real-time online transaction service module is used for receiving a bank real-time bill making request, carrying out request processing, generating and forwarding a processed result to a corresponding insurance company or bank;

in some embodiments of the present application, a flow of the request processing performed by the real-time online transaction service module is shown in fig. 3, and the flow includes: after receiving a request message of a bank and when the request message is related to encryption and decryption, firstly decrypting, then converting a data structure of the bank message into a unified message data structure and sending the unified message data structure to a insurance company for processing; the insurance processing finishes the return processing result, and the returned result is processed into a format required by the bank after the returned result is acquired by the my system and returned to the bank. The department cloud in fig. 3 refers to a cloud environment where my systems are deployed.

And the batch processing service module is used for analyzing the bank batch processing file and sending the analyzed file to an insurance company for processing.

In some embodiments of the present application, a flow of the data processing performed by the batch processing service module is shown in fig. 4, and includes: and triggering the batch processing at the end of daily, acquiring batch files to be processed from a contracted position, analyzing the batch files into a unified data structure, sending the unified data structure to a insurance department, returning after the insurance department finishes processing, and recording a returned result. The department cloud in fig. 4 refers to a cloud environment where my systems are deployed.

Based on the first aspect, further, the gateway subsystem includes a data identification module and a data encryption and decryption module, where:

the data identification module is used for identifying the data source and the transaction type and sending the data to the corresponding service for processing according to the identification result;

and the data encryption and decryption module is used for decrypting or encrypting the received or returned data. And decrypting the received ciphertext data, and returning the data to be encrypted.

In a second aspect, an embodiment of the present application provides a bank insurance policy issuing method based on SaaS mode applying the system in the first aspect, including the steps of:

monitoring and service configuration are carried out on the silver-saving service subsystem based on the background management subsystem;

carrying out service processing based on the silver-service subsystem for carrying out silver-service;

identifying the source and the type of the data based on the gateway subsystem, carrying out data encryption and decryption processing, and sending the corresponding data to the corresponding service for processing;

and the data processing subsystem is used for placing the data operation related to the silver-back service flow into a message queue, and acquiring the data to be processed from the message queue for processing.

In the embodiments provided in the present application, it should be understood that the disclosed method and system may be implemented in other manners. The above-described method and system embodiments are merely illustrative, for example, flow charts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of methods and systems, methods and computer program products according to various embodiments of the present application. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved.

The above is only a preferred embodiment of the present application, and is not intended to limit the present application, but various modifications and variations can be made to the present application by those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the protection scope of the present application.

It will be evident to those skilled in the art that the application is not limited to the details of the foregoing illustrative embodiments, and that the present application may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. The present embodiments are, therefore, to be considered in all respects as illustrative and not restrictive, the scope of the application being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference sign in a claim should not be construed as limiting the claim concerned.

Claims (6)

1. The bank insurance policy issuing management system based on the SaaS mode is characterized by comprising a background management subsystem, a silver insurance business subsystem, a gateway subsystem and a data processing subsystem, wherein:

the background management subsystem is used for monitoring and configuring the silver-saving service subsystem;

the silver-insurance service subsystem is used for receiving silver-insurance service and carrying out service processing;

the gateway subsystem is used for identifying the source and the type of the data, carrying out data encryption and decryption processing, and sending the corresponding data to the corresponding service for processing;

and the data processing subsystem is used for placing the data operation related in the silver-back service flow into the message queue, and acquiring the data to be processed from the message queue for processing.

2. The SaaS recited in claim 1, wherein the background management subsystem comprises a collaborative banking management module, an agent management module, a website management module, and an information query module, wherein:

the cooperation bank management module is used for adding and configuring the cooperation bank and carrying out real-time service processing after the configuration is successful;

the agent management module is used for managing agent information and agent organization information of acting channels;

the website management module is used for managing banking website information required by real-time transaction;

and the information inquiry module is used for inquiring the policy double-record video, the policy information and the transaction information.

3. The bank insurance policy issuing management system based on SaaS defined in claim 2, wherein said information inquiry module includes a double-record task inquiry unit, a policy inquiry unit, and a transaction inquiry unit, wherein:

the double-record task query unit is used for querying the information of the processing condition of the policy double-record video;

the policy inquiry unit is used for sending a policy inquiry request to the insurance company and checking policy information returned by the insurance company;

and the transaction inquiry unit is used for inquiring all transaction information under the current architecture.

4. The SaaS recited in claim 1, wherein the banking policy issuing management system comprises a real-time online transaction service module and a batch processing service module, wherein:

the real-time online transaction service module is used for receiving a bank real-time bill making request, carrying out request processing, generating and forwarding a processed result to a corresponding insurance company or bank;

and the batch processing service module is used for analyzing the bank batch processing file and sending the analyzed file to an insurance company for processing.

5. The bank insurance policy issuing management system based on SaaS defined in claim 1, wherein said gateway subsystem includes a data identification module and a data encryption and decryption module, wherein:

the data identification module is used for identifying the data source and the transaction type and sending the data to the corresponding service for processing according to the identification result;

and the data encryption and decryption module is used for decrypting or encrypting the received or returned data.

6. A bank insurance policy issuing method based on SaaS mode according to any of the claims 1-5, characterised by the steps of:

monitoring and service configuration are carried out on the silver-saving service subsystem based on the background management subsystem;

carrying out service processing based on the silver-service subsystem for carrying out silver-service;

identifying the source and the type of the data based on the gateway subsystem, carrying out data encryption and decryption processing, and sending the corresponding data to the corresponding service for processing;

and the data processing subsystem is used for placing the data operation related to the silver-back service flow into a message queue, and acquiring the data to be processed from the message queue for processing.