CN117291733A

CN117291733A - Vehicle insurance order-giving method, device, computer equipment and storage medium

Info

Publication number: CN117291733A
Application number: CN202311222964.6A
Authority: CN
Inventors: 许峰
Original assignee: Ping An Property and Casualty Insurance Company of China Ltd
Current assignee: Ping An Property and Casualty Insurance Company of China Ltd
Priority date: 2023-09-20
Filing date: 2023-09-20
Publication date: 2023-12-26

Abstract

The embodiment of the application relates to the field of big data and vehicle insurance systems, in particular to a vehicle insurance policy issuing method, which comprises the steps of receiving a vehicle insurance policy issuing request of a to-be-processed policy and acquiring vehicle insurance policy data corresponding to the to-be-processed policy from a financial message queue; performing format conversion processing on the vehicle insurance policy data to obtain target policy data; acquiring initial policy data corresponding to a policy to be processed from a vehicle insurance database; verifying the target policy data through the initial policy data; if the target policy data passes the verification, the target policy data is stored in a financial database, and the policy to be processed is issued. The application also provides a vehicle insurance policy issuing device, computer equipment and a storage medium. In addition, the present application relates to blockchain technology, wherein initial policy data and target policy data may be stored in a blockchain _。 The method and the system effectively guarantee the consistency of the data in the vehicle insurance database and the financial database.

Description

Vehicle insurance order-giving method, device, computer equipment and storage medium

Technical Field

The present disclosure relates to the technical field of big data and vehicle insurance systems, and in particular, to a method, an apparatus, a computer device, and a storage medium for issuing a vehicle insurance policy.

Background

At present, when a vehicle insurance end calls a financial end to carry out a vehicle insurance bill, the data transmission of the vehicle insurance end and the financial end is carried out through an http interface, the data transmission mode is easy to cause data loss or transmission delay, and after the financial end receives data, the data of the vehicle insurance end and the financial end are manually compared, but the data are easily influenced by human factors, so that the comparison efficiency and the comparison accuracy are low; therefore, the data consistency of the vehicle insurance database corresponding to the vehicle insurance end and the financial database corresponding to the financial end is difficult to ensure.

Disclosure of Invention

The embodiment of the application aims to provide a vehicle insurance policy issuing method, a vehicle insurance policy issuing device, computer equipment and a storage medium, so as to solve the problem of poor data consistency between a vehicle insurance database and a financial database.

In order to solve the above technical problems, the embodiments of the present application provide a vehicle insurance policy issuing method, which adopts the following technical scheme:

a vehicle insurance policy issuing method, comprising the following steps:

receiving a vehicle insurance policy issuing request of a policy to be processed, and acquiring vehicle insurance policy data corresponding to the policy to be processed from a financial message queue;

performing format conversion processing on the vehicle insurance policy data to obtain target policy data;

Acquiring initial policy data corresponding to the policy to be processed from a vehicle insurance database;

verifying the target policy data through the initial policy data;

if the target policy data passes the verification, the target policy data is stored in a financial database, and the policy to be processed is issued.

Further, before the step of verifying the target policy data by the initial policy data, the method further includes:

the obtained applicant information corresponding to the to-be-processed policy and the policy type;

acquiring first historical policy data corresponding to the applicant information and second historical policy data corresponding to the policy type from a financial database;

and verifying the authenticity of the target policy data according to the first historical policy data and the second historical policy data.

Further, the step of verifying the authenticity of the target policy data based on the first historical policy data and the second historical policy data includes:

extracting the current claim amount from the target policy data;

determining a first historical claim amount according to the first historical policy data, and determining a second historical claim amount according to the second historical policy data;

Determining a risk coefficient according to the current claim settlement amount, the first historical claim settlement amount and the second historical claim settlement amount;

and verifying the authenticity of the target application data according to the risk coefficient.

Further, the step of determining the risk factor according to the current claim amount, the first historical claim amount, and the second historical claim amount includes:

acquiring historical claim settlement times corresponding to the applicant information;

determining a weight coefficient according to the historical claim settlement times, and determining a third historical claim settlement amount according to the weight coefficient and the first historical claim settlement amount;

calculating an average historical claim amount according to the second historical claim amount and the third historical claim amount;

calculating the difference value of the current claim amount and the average historical claim amount;

and determining a risk coefficient according to the sum difference value of the claims.

Further, the step of obtaining the initial policy data corresponding to the policy to be processed from the vehicle insurance database includes:

acquiring a policy identifier corresponding to the policy to be processed;

inquiring initial policy data corresponding to the policy identifier from a vehicle insurance database; wherein the vehicle insurance database includes at least one of the initial policy data.

Further, the step of verifying the target policy data by the initial policy data includes:

extracting a first vehicle insurance attribute set from the initial policy data, and extracting a second vehicle insurance attribute set from the target policy data;

determining a similarity coefficient according to the first risk attribute set and the second risk attribute set;

and verifying the validity of the target policy data according to the similarity coefficient.

Further, after the step of saving the target policy data in the financial database, the method further includes:

and sending a state update request corresponding to the to-be-processed policy to a vehicle insurance end so as to indicate the vehicle insurance end to update the policy issuing state of the to-be-processed policy.

In order to solve the technical problems, the embodiment of the application also provides a vehicle insurance issuing device, which adopts the following technical scheme:

a vehicle insurance policy issuing device, comprising:

the first acquisition module is used for receiving a vehicle insurance policy issuing request of a policy to be processed and acquiring vehicle insurance policy data corresponding to the policy to be processed from a financial message queue;

the format conversion module is used for carrying out format conversion processing on the vehicle insurance policy data to obtain target policy data;

The second acquisition module is used for acquiring initial policy data corresponding to the policy to be processed from a vehicle insurance database;

the first verification module is used for verifying the target policy data through the initial policy data;

and the processing module is used for storing the target policy data into a financial database and issuing the policy to be processed if the target policy data passes the verification.

In order to solve the above technical problems, the embodiments of the present application further provide a computer device, which adopts the following technical schemes:

a computer device comprising a memory having stored therein computer readable instructions which when executed by the processor implement the steps of the vehicle insurance policy method of any of claims 1 to 7.

In order to solve the above technical problems, embodiments of the present application further provide a computer readable storage medium, which adopts the following technical solutions:

a computer readable storage medium having stored thereon computer readable instructions which when executed by a processor implement the steps of the vehicle insurance policy method of any of claims 1 to 7.

Compared with the prior art, the embodiment of the application has the following main beneficial effects: the method comprises the steps of obtaining vehicle insurance policy data corresponding to a policy to be processed from a financial message queue by receiving a vehicle insurance policy issuing request of the policy to be processed; performing format conversion processing on the vehicle insurance policy data to obtain target policy data; acquiring initial policy data corresponding to the policy to be processed from a vehicle insurance database; verifying the target policy data through the initial policy data; if the target policy data passes the verification, the target policy data is stored in a financial database, and the policy to be processed is issued. The data interaction between the vehicle insurance end and the financial end is realized by adopting the message queue, so that the data processing efficiency of the vehicle insurance end and the financial end is improved, and the reliability of data transmission is ensured; and the initial policy data in the vehicle insurance database is utilized to verify the target policy data formed after the vehicle insurance policy data format is converted, and after verification is passed, the target policy data is stored in the financial database, so that the consistency of the vehicle insurance database and the target database data is ensured.

Drawings

For a clearer description of the solution in the present application, a brief description will be given below of the drawings that are needed in the description of the embodiments of the present application, it being obvious that the drawings in the following description are some embodiments of the present application, and that other drawings may be obtained from these drawings without inventive effort for a person of ordinary skill in the art.

FIG. 1 is an exemplary system architecture diagram in which the present application may be applied;

FIG. 2 is a flow chart of one embodiment of a vehicle insurance policy method according to the present application;

FIG. 3 is a schematic structural view of one embodiment of a vehicle insurance policy issuing device according to the present application;

FIG. 4 is a schematic structural diagram of one embodiment of a computer device according to the present application.

Detailed Description

Unless defined otherwise, all 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; the terminology used in the description of the applications herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the application; the terms "comprising" and "having" and any variations thereof in the description and claims of the present application and in the description of the figures above are intended to cover non-exclusive inclusions. The terms first, second and the like in the description and in the claims or in the above-described figures, are used for distinguishing between different objects and not necessarily for describing a sequential or chronological order.

Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment may be included in at least one embodiment of the present application. The appearances of such phrases in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. Those of skill in the art will explicitly and implicitly appreciate that the embodiments described herein may be combined with other embodiments.

In order to better understand the technical solutions of the present application, the following description will clearly and completely describe the technical solutions in the embodiments of the present application with reference to the accompanying drawings.

As shown in fig. 1, a system architecture 100 may include terminal devices 101, 102, 103, a network 104, and a server 105. The network 104 is used as a medium to provide communication links between the terminal devices 101, 102, 103 and the server 105. The network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

The user may interact with the server 105 via the network 104 using the terminal devices 101, 102, 103 to receive or send messages or the like. Various communication client applications, such as a web browser application, a shopping class application, a search class application, an instant messaging tool, a mailbox client, social platform software, etc., may be installed on the terminal devices 101, 102, 103.

The terminal devices 101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablet computers, electronic book readers, MP3 players (Moving Picture Experts Group Audio Layer III, dynamic video expert compression standard audio plane 3), MP4 (Moving Picture Experts Group Audio Layer IV, dynamic video expert compression standard audio plane 4) players, laptop and desktop computers, and the like.

The server 105 may be a server providing various services, such as a background server providing support for pages displayed on the terminal devices 101, 102, 103.

It should be noted that, the vehicle insurance policy issuing method provided in the embodiment of the present application is generally executed by a server/terminal device, and accordingly, the vehicle insurance data processing device based on the message queue is generally disposed in the server/terminal device.

It should be understood that the number of terminal devices, networks and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

With continued reference to FIG. 2, a flow chart of one embodiment of a vehicle insurance policy method according to the present application is shown. The vehicle insurance order issuing method comprises the following steps:

step S21, receiving a vehicle insurance policy issuing request of a policy to be processed, and acquiring vehicle insurance policy data corresponding to the policy to be processed from a financial message queue.

In this embodiment, the electronic device (e.g., the server/terminal device shown in fig. 1) on which the vehicle insurance policy operates may receive the policy request through a wired connection manner or a wireless connection manner. It should be noted that the wireless connection may include, but is not limited to, 3G/4G/5G connection, wiFi connection, bluetooth connection, wiMAX connection, zigbee connection, UWB (ultra wideband) connection, and other now known or later developed wireless connection.

In this embodiment, the policy to be processed is characterized as a policy for vehicle insurance to be processed, where the policy for vehicle insurance includes order data and application data. Understandably, the order data includes, but is not limited to, time of placement, payment amount of insurance product, coupon for payment use, payment account, insurance product information purchased by the placement user, etc., and the application data includes, but is not limited to, applicant information filled by the placement user, insured information, insurance amount, insurance application years, etc.

In some embodiments, the vehicle insurance policy issuing method is applied to a vehicle insurance data processing device, and the vehicle insurance data processing device comprises a vehicle insurance end and a financial end, wherein the vehicle insurance end is used for data processing corresponding to a vehicle insurance policy, and generates vehicle insurance policy data, and the financial end is used for processing the vehicle insurance policy data to confirm whether a policy to be processed can be issued.

Understandably, in an example scenario, a vehicle insurance end is communicatively connected with a vehicle insurance message queue, and a financial end is communicatively connected with a financial message end; when the vehicle insurance message queue monitored by the vehicle insurance end stores data corresponding to the to-be-processed insurance policy uploaded by the user end or the service end, the vehicle insurance end processes the data to generate vehicle insurance policy data corresponding to a preset policy format, stores the vehicle insurance policy data into a vehicle insurance database as initial policy data, and simultaneously stores the vehicle insurance policy data into the financial message queue; when the financial terminal monitors that the financial message queue stores the vehicle insurance policy data, a vehicle insurance policy issuing request is generated to indicate that the vehicle insurance policy data are acquired from the financial message queue for processing.

Therefore, the data interaction between the vehicle insurance end and the financial end is realized by adopting the message queue, so that the data processing efficiency of the vehicle insurance end and the financial end is improved, and the reliability of data transmission is ensured; and the message queues corresponding to the vehicle insurance end and the financial end can be expanded and upgraded based on the different vehicle insurance end and the financial end so as to adapt to the single scene of the vehicle insurance of the different vehicle insurance end and the financial end, and the applicability is wide.

And S22, performing format conversion processing on the vehicle insurance policy data to obtain target policy data.

In this embodiment, the format conversion process is used to convert the vehicle insurance policy data into a preset policy format, so as to unify the target policy data, and facilitate verification and storage of the target policy data by the subsequent financial terminal into the financial database.

Step S23, initial policy data corresponding to the policy to be processed is obtained from a vehicle insurance database.

In this embodiment, the vehicle insurance database stores at least one initial policy data, where one initial policy data corresponds to one policy to be processed. Understandably, the vehicle insurance end processes the data of the to-be-processed insurance policy in the vehicle insurance message queue, and the generated vehicle insurance policy data is respectively stored in the vehicle insurance database as initial insurance policy data and the financial message queue, namely, in the same to-be-processed insurance policy, the initial insurance policy data and the vehicle insurance policy data are the same.

And step S24, verifying the target policy data through the initial policy data.

In this embodiment, since the initial policy data and the insurance policy data are the same, the initial policy data is used to verify the target policy data after the insurance policy data format is converted, so that the accuracy of the target policy data can be effectively ensured.

In an example scenario, the initial policy data and the target policy data independently include a plurality of attributes, wherein the attributes are any one of a time of making a policy, a payment amount of an insurance product, a coupon for payment, a payment account, insurance product information purchased by a user of making the policy, applicant information filled by the user of making the policy, insured person information, insurance amount and insurance duration; in step S24 of the present application, each sub-attribute of the initial policy data and the target policy data is compared with one another to determine whether the sub-attribute is absent in the target policy data and whether the parameter is absent or inconsistent in the sub-attribute, so as to ensure consistency of the sub-attribute and the sub-attribute corresponding parameter of the initial policy data and the target policy data.

And S25, if the target policy data passes the verification, storing the target policy data into a financial database, and issuing the policy to be processed.

In this embodiment, after the target policy data passes the verification, the target policy data is characterized to be the same as the initial policy data, so that the reliability and accuracy of the target policy data are improved, and the consistency of the data in the vehicle insurance database and the financial database can be ensured after the target policy data are stored in the financial database.

In some optional embodiments, the step S23, the step of obtaining initial policy data corresponding to the policy to be processed from the vehicle insurance database includes:

step S231, obtaining the policy identifier corresponding to the policy to be processed.

In some embodiments, when the step S21 "receives the insurance policy issuing request of the policy to be processed", the insurance policy issuing request carries the policy identifier corresponding to the policy to be processed; in other embodiments, when the policy data corresponding to the policy to be processed is obtained from the financial message queue in step S21, the policy identifier corresponding to the policy to be processed may be extracted from the policy data.

Further, the policy identifier may be a policy number of the vehicle insurance, such as a contract number of the vehicle insurance policy.

Step S232, inquiring initial policy data corresponding to the policy identifier from a vehicle insurance database; wherein the vehicle insurance database includes at least one of the initial policy data.

In this embodiment, each initial policy data is associated with a policy identifier to characterize a policy to be processed corresponding to the initial policy data; in practical application, the policy identifier corresponding to the current policy to be processed is compared with the policy identifier corresponding to each initial policy data in the vehicle insurance database one by one, so as to determine the initial policy data corresponding to the current policy to be processed.

Further, after the current to-be-processed policy is matched with the corresponding initial policy data, the policy identification of the current to-be-processed policy is stopped, and the comparison is performed with the policy identifications corresponding to the remaining initial policy data in the vehicle insurance database, so that the processing efficiency is effectively improved.

In some optional embodiments, the step S24, before the step of verifying the target policy data by the initial policy data, further includes:

before the step of verifying the target policy data by the initial policy data, the method further comprises:

step S26, the obtained insurance applicant information and the insurance policy type corresponding to the to-be-processed insurance policy.

In this embodiment, the applicant information includes, but is not limited to, applicant name, age, identification card number, and the like.

The policy types include, but are not limited to, traffic intensity, vehicle loss, third party liability, on-board personnel liability, full vehicle theft, glass breakage, auto-ignition loss, vehicle body scratch, no-reimbursement, etc.

Step S27, first historical policy data corresponding to the applicant information and second historical policy data corresponding to the policy type are obtained from a financial database.

And step S28, verifying the authenticity of the target policy data according to the first historical policy data and the second historical policy data.

In the step S27 and the step S28, the difference between the target policy data and the historical data applied by the applicant is verified by using the first historical policy data, and the difference between the target policy data and the historical data belonging to the same policy type is verified by using the second historical policy data, so that the verification accuracy of the authenticity of the target policy data is improved, and the phenomena of risk of vehicle insurance claims such as cheating protection, counterfeit protection and the like are avoided.

Understandably, each target policy data is classified in the financial database according to a preset classification rule including a first classification rule and a second classification rule. Specifically, if classification is performed according to the first classification rule, the applicant information can be extracted from the target policy data, and the target policy data with the same applicant information are converged to form first historical policy data; if classification is performed according to the second classification rule, the policy type corresponding to the target policy data can be determined based on the policy identifier of the policy to be processed (for example, the part number in the contract number of the policy is characterized as the policy type) or the insurance product information in the target policy data, and the target policy data with the same policy type are converged to form the second policy data.

In some optional embodiments, the step S28, the step of verifying the authenticity of the target policy data according to the first historical policy data and the second historical policy data includes:

step S281, extracting the current claim settlement amount from the target policy data.

In this embodiment, the current claim amount is characterized as an amount of claim to be settled in the to-be-processed policy corresponding to the target policy data.

Step S282, determining a first historical claim amount according to the first historical policy data, and determining a second historical claim amount according to the second historical policy data.

In this embodiment, the first historical policy data and the second historical claim amount each independently include at least one historical target policy data.

In some embodiments, an average of all target policy data in the first historical policy data may be calculated as the first historical claim amount; similarly, an average value of all the target policy data in the second historical policy data may be calculated, and the average value may be used as the second historical claim amount.

And step S283, determining a risk coefficient according to the current claim settlement amount, the first historical claim settlement amount and the second historical claim settlement amount.

Step S284, verifying the authenticity of the target application data according to the risk coefficient.

In the steps S283 and S284, the current claim amount is verified according to the first historical claim amount corresponding to the applicant information and the second historical claim amount corresponding to the type of application, so as to determine the risk coefficient, so that the personal characteristics of the applicant information corresponding to the policy to be processed are combined, and the mass characteristics of different applicant information under the same type of application are combined, the influence of the personal characteristics on the authenticity verification is reduced, and the accuracy and reliability of the authenticity verification are improved.

In addition, in the embodiment, the risk coefficient is utilized to reflect the behaviors of cheating, counterfeiting and the like of the current target application data, the wind control capability of claim settlement is improved, and the accuracy of the target application data is further ensured.

In some optional embodiments, the step S283, the step of determining the risk factor according to the current claim amount, the first historical claim amount, and the second historical claim amount includes:

step S2831, obtaining the historical claim settlement times corresponding to the applicant information.

In this embodiment, the information of the applicant includes an identity card of the applicant, and the identity card is used to call a historical claim settlement policy of the applicant, so as to determine the historical claim settlement times of the applicant.

And step S2832, determining a weight coefficient according to the historical claim settlement times, and determining a third historical claim settlement amount according to the weight coefficient and the first historical claim settlement amount.

In this embodiment, the third historical claim amount is obtained by multiplying the weight coefficient by the first historical claim amount; the weight coefficients corresponding to the different historical claims are different, so that the first historical claims are adjusted by the weight coefficients based on the historical claims of the applicant, the influence of personal characteristics of the applicant on the authenticity verification of the current claims is increased or reduced, and the accuracy of the authenticity verification of the target application data is improved.

In an example scenario, the number of historical claims is inversely related to the weight coefficient, i.e., the weight coefficient is smaller as the number of historical claims is greater. Understandably, when the number of times of the historical claims is larger, in order to avoid behaviors such as cheating protection, counterfeiting and the like, the weight coefficient corresponding to the number of times of the historical claims is made smaller; in contrast, when the number of times of historical claims is smaller, in order to avoid that excessive mass characteristics affect the authenticity of verification of the target application data, the weight coefficient corresponding to the number of times of historical claims is made larger.

And step S2833, calculating the average historical claim settlement according to the second historical claim settlement and the third historical claim settlement.

In this embodiment, an average value of the second historical claim amount and the third historical claim amount is calculated, and the average value is used as the average historical claim amount.

And step S2834, calculating the difference value of the current claim amount and the average historical claim amount.

And step S2835, determining a risk coefficient according to the difference value of the claim amount.

In this embodiment, risk factors corresponding to the difference values of the amounts of the claims are different.

The difference value of the claim amount is in a direct proportion to the risk coefficient, namely, the larger the difference value of the claim amount is, the higher the risk coefficient of the target application data is, the smaller the difference value of the claim amount is, and the lower the risk coefficient of the target application data is; thus, the authenticity of the target application data is reflected by the height of the risk coefficient, and the wind control capability of the claim settlement is improved.

In an example scenario, a claim amount difference may correspond to a risk factor, e.g., a claim amount difference of 100, a claim amount difference of 101, a claim amount difference of B, and so on; in another example scenario, risk amount ranges may be set, where each risk amount range corresponds to a risk coefficient, when the claim amount difference is in the risk amount range, the risk coefficient is determined according to the risk amount range, for example, the risk amount range C is 0 to 100, the risk coefficient corresponding to the risk amount range C is C1, the risk amount range D is 100 to 200, and the risk coefficient corresponding to the risk amount range D is D1, and so on.

In some optional embodiments, the step S24, the step of verifying the target policy data by the initial policy data includes:

step S241, extracting a first risk attribute set from the initial policy data, and extracting a second risk attribute set corresponding to the first risk attribute set from the target policy data.

In this embodiment, the initial policy data and the target policy data include, respectively and independently, the time of the order, the payment amount of the insurance product, the coupon for payment, the payment account, the insurance product information purchased by the order user, the applicant information filled by the order user, the insured person information, the insurance amount applied, the insurance application period, and other vehicle insurance attributes.

Understandably, based on a preset vehicle insurance attribute comparison rule, one or more corresponding vehicle insurance attributes are selected from the initial policy data and the target policy data, and are respectively determined to be a first vehicle insurance attribute set and a second vehicle insurance attribute set, so that the comparison comprehensiveness of the initial policy data and the target policy data can be ensured, and the data consistency of the initial policy data and the target policy data can be effectively improved.

Step S242, determining a similarity coefficient according to the first risk attribute set and the second risk attribute set.

In this embodiment, the similarity coefficient reflects the degree of similarity of the first risk attribute set and the second risk attribute set.

Understandably, the first risk attribute set and the second risk attribute set each independently include at least one risk attribute, and if the number of the risk attributes in the first risk attribute set and the second risk attribute set is greater, the determined similarity coefficient is greater; conversely, if the number of consistent vehicle risk attributes in the first vehicle risk attribute set and the second vehicle risk attribute set is smaller, the determined similarity coefficient is smaller.

Step S243, according to the similarity coefficient, the validity of the target policy data is verified.

In this embodiment, based on the similarity coefficient, whether the target policy data is valid is verified, thereby determining the consistency of the target policy data and the initial policy data.

Understandably, presetting a corresponding similarity threshold when determining the consistency of the target policy data and the initial policy data; in practical application, when the similarity coefficient exceeds a similarity threshold, determining that the target policy data is consistent with the initial policy data; and when the similarity coefficient does not exceed the similarity threshold, determining that the target policy data is inconsistent with the initial policy data.

In some optional embodiments, the step S25, after the step of saving the target policy data in the financial database, further includes:

step S251, a status update request corresponding to the policy to be processed is sent to the vehicle insurance end, so as to instruct the vehicle insurance end to update the order-out status of the policy to be processed.

In this embodiment, the finance end sends a status update request corresponding to the policy to be processed to the vehicle insurance end, and after the vehicle insurance end receives the status update request, the vehicle insurance end updates the policy issuing status of the policy to be processed from never issued to issued, thereby facilitating management of the policy to be processed by the vehicle insurance end.

It is emphasized that, to further ensure the privacy and security of the initial policy data and the target policy data information, the initial policy data and the target policy data information may also be stored in a node of a blockchain.

The blockchain referred to in the application is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanism, encryption algorithm and the like. The Blockchain (Blockchain), which is essentially a decentralised database, is a string of data blocks that are generated by cryptographic means in association, each data block containing a batch of information of network transactions for verifying the validity of the information (anti-counterfeiting) and generating the next block. The blockchain may include a blockchain underlying platform, a platform product services layer, an application services layer, and the like.

The embodiment of the application can acquire and process the related data based on the artificial intelligence technology. Among these, artificial intelligence (Artificial Intelligence, AI) is the theory, method, technique and application system that uses a digital computer or a digital computer-controlled machine to simulate, extend and extend human intelligence, sense the environment, acquire knowledge and use knowledge to obtain optimal results.

Artificial intelligence infrastructure technologies generally include technologies such as sensors, dedicated artificial intelligence chips, cloud computing, distributed storage, big data processing technologies, operation/interaction systems, mechatronics, and the like. The artificial intelligence software technology mainly comprises a computer vision technology, a robot technology, a biological recognition technology, a voice processing technology, a natural language processing technology, machine learning/deep learning and other directions.

Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by computer readable instructions stored in a computer readable storage medium that, when executed, may comprise the steps of the embodiments of the methods described above. The storage medium may be a nonvolatile storage medium such as a magnetic disk, an optical disk, a Read-Only Memory (ROM), or a random access Memory (Random Access Memory, RAM).

It should be understood that, although the steps in the flowcharts of the figures are shown in order as indicated by the arrows, these steps are not necessarily performed in order as indicated by the arrows. The steps are not strictly limited in order and may be performed in other orders, unless explicitly stated herein. Moreover, at least some of the steps in the flowcharts of the figures may include a plurality of sub-steps or stages that are not necessarily performed at the same time, but may be performed at different times, the order of their execution not necessarily being sequential, but may be performed in turn or alternately with other steps or at least a portion of the other steps or stages.

With further reference to fig. 3, as an implementation of the method shown in fig. 2, the present application provides an embodiment of a vehicle insurance policy issuing device, where an embodiment of the device corresponds to the embodiment of the method shown in fig. 2, and the device may be specifically applied to various electronic devices.

As shown in fig. 4, the vehicle insurance policy issuing device 300 according to the present embodiment includes: a first acquisition module 310, a format conversion module 320, a second acquisition module 330, a first verification module 340, and a processing module 350. Wherein:

A first obtaining module 310, configured to receive a vehicle insurance policy issuing request of a policy to be processed, and obtain vehicle insurance policy data corresponding to the policy to be processed from a financial message queue;

the format conversion module 320 is configured to perform format conversion processing on the vehicle insurance policy data to obtain target policy data;

a second obtaining module 330, configured to obtain initial policy data corresponding to the policy to be processed from a vehicle risk database;

a first verification module 340, configured to verify the target policy data through the initial policy data;

and the processing module 350 is configured to store the target policy data in a financial database and issue a policy to be processed if the target policy data passes the verification.

In the embodiment, the data interaction between the vehicle insurance end and the financial end is realized by adopting the message queue, so that the data processing efficiency of the vehicle insurance end and the financial end is improved, and the reliability of data transmission is ensured; and the initial policy data in the vehicle insurance database is utilized to verify the target policy data formed after the vehicle insurance policy data format is converted, and after the verification is passed, the target policy data is stored in the financial database, so that the consistency of the vehicle insurance database and the target database data is ensured, and the issuing efficiency of the vehicle insurance is greatly improved.

In some optional implementations of this embodiment, the vehicle insurance policy issuing device 300 further includes: the third acquisition module, the fourth acquisition module and the second verification module. Wherein:

the third acquisition module is used for acquiring the information of the applicant corresponding to the to-be-processed policy and the type of the policy;

a fourth obtaining module, configured to obtain, from a financial database, first historical policy data corresponding to the applicant information and second historical policy data corresponding to the policy type;

and the second verification module is used for verifying the authenticity of the target policy data according to the first historical policy data and the second historical policy data.

In some optional implementations of this embodiment, the second verification module includes: the device comprises a first extraction sub-module, a first determination sub-module, a second determination sub-module and a first verification sub-module. Wherein:

the first extraction submodule is used for extracting the current claim settlement amount from the target policy data;

the first determining submodule is used for determining a first historical claim settlement amount according to the first historical policy data and determining a second historical claim settlement amount according to the second historical policy data;

The second determining submodule is used for determining a risk coefficient according to the current claim settlement amount, the first historical claim settlement amount and the second historical claim settlement amount;

and the first verification sub-module is used for verifying the authenticity of the target application data according to the risk coefficient.

In some optional implementations of this embodiment, the second determining submodule includes: the device comprises an acquisition unit, a first determination unit, a first calculation unit, a second calculation unit and a second determination unit. Wherein:

the acquisition unit is used for acquiring the historical claim settlement times corresponding to the applicant information;

the first determining unit is used for determining a weight coefficient according to the historical claim settlement times and determining a third historical claim settlement amount according to the weight coefficient and the first historical claim settlement amount;

a first calculation unit, configured to calculate an average historical claim amount according to the second historical claim amount and the third historical claim amount;

the second calculating unit is used for calculating the difference value of the current claim amount and the average historical claim amount;

and the second determining unit is used for determining a risk coefficient according to the difference value of the claim amount.

In some optional implementations of this embodiment, the second obtaining module 330 includes: the acquisition sub-module and the query sub-module. Wherein:

the acquisition sub-module is used for acquiring the policy identifier corresponding to the policy to be processed;

the inquiring sub-module is used for inquiring initial policy data corresponding to the policy identifier from the vehicle insurance database; wherein the vehicle insurance database includes at least one of the initial policy data.

In some optional implementations of the present embodiment, the first verification module 340 includes: the second extraction sub-module, the third determination sub-module and the second verification sub-module. Wherein:

a second extraction sub-module, configured to extract a first risk attribute set from the initial policy data, and extract a second risk attribute set from the target policy data;

a third determining submodule, configured to determine a similarity coefficient according to the first risk attribute set and the second risk attribute set;

and the second verification sub-module is used for verifying the validity of the target policy data according to the similarity coefficient.

In some alternative implementations of the present embodiment, the processing module 350 includes: and a transmitting sub-module. Wherein:

And the sending sub-module is used for sending a state update request corresponding to the to-be-processed policy to the vehicle insurance end so as to instruct the vehicle insurance end to update the policy issuing state of the to-be-processed policy.

In order to solve the technical problems, the embodiment of the application also provides computer equipment. Referring specifically to fig. 4, fig. 4 is a basic structural block diagram of a computer device according to the present embodiment.

The computer device 4 comprises a memory 41, a processor 42, a network interface 43 communicatively connected to each other via a system bus. It should be noted that only computer device 4 having components 41-43 is shown in the figures, but it should be understood that not all of the illustrated components are required to be implemented and that more or fewer components may be implemented instead. It will be appreciated by those skilled in the art that the computer device herein is a device capable of automatically performing numerical calculations and/or information processing in accordance with predetermined or stored instructions, the hardware of which includes, but is not limited to, microprocessors, application specific integrated circuits (Application Specific Integrated Circuit, ASICs), programmable gate arrays (fields-Programmable Gate Array, FPGAs), digital processors (Digital Signal Processor, DSPs), embedded devices, etc.

The computer equipment can be a desktop computer, a notebook computer, a palm computer, a cloud server and other computing equipment. The computer equipment can perform man-machine interaction with a user through a keyboard, a mouse, a remote controller, a touch pad or voice control equipment and the like.

The memory 41 includes at least one type of readable storage medium including flash memory, hard disk, multimedia card, card memory (e.g., SD or DX memory, etc.), random Access Memory (RAM), static Random Access Memory (SRAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), programmable Read Only Memory (PROM), magnetic memory, magnetic disk, optical disk, etc. In some embodiments, the storage 41 may be an internal storage unit of the computer device 4, such as a hard disk or a memory of the computer device 4. In other embodiments, the memory 41 may also be an external storage device of the computer device 4, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash Card (Flash Card) or the like, which are provided on the computer device 4. Of course, the memory 41 may also comprise both an internal memory unit of the computer device 4 and an external memory device. In this embodiment, the memory 41 is generally used to store an operating system and various application software installed on the computer device 4, such as computer readable instructions of a vehicle insurance policy method. Further, the memory 41 may be used to temporarily store various types of data that have been output or are to be output.

The processor 42 may be a central processing unit (Central Processing Unit, CPU), controller, microcontroller, microprocessor, or other data processing chip in some embodiments. The processor 42 is typically used to control the overall operation of the computer device 4. In this embodiment, the processor 42 is configured to execute computer readable instructions stored in the memory 41 or process data, such as computer readable instructions for executing the vehicle insurance policy method.

The network interface 43 may comprise a wireless network interface or a wired network interface, which network interface 43 is typically used for establishing a communication connection between the computer device 4 and other electronic devices.

The present application also provides another embodiment, namely, a computer-readable storage medium, where computer-readable instructions are stored, where the computer-readable instructions are executable by at least one processor to cause the at least one processor to perform the steps of the vehicle insurance policy issuing method as described above.

From the above description of the embodiments, it will be clear to those skilled in the art that the above-described embodiment method may be implemented by means of software plus a necessary general hardware platform, but of course may also be implemented by means of hardware, but in many cases the former is a preferred embodiment. Based on such understanding, the technical solution of the present application may be embodied essentially or in a part contributing to the prior art in the form of a software product stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk), comprising several instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the method described in the embodiments of the present application.

It is apparent that the embodiments described above are only some embodiments of the present application, but not all embodiments, the preferred embodiments of the present application are given in the drawings, but not limiting the patent scope of the present application. This application may be embodied in many different forms, but rather, embodiments are provided in order to provide a more thorough understanding of the present disclosure. Although the present application has been described in detail with reference to the foregoing embodiments, it will be apparent to those skilled in the art that modifications may be made to the embodiments described in the foregoing, or equivalents may be substituted for elements thereof. All equivalent structures made by the specification and the drawings of the application are directly or indirectly applied to other related technical fields, and are also within the protection scope of the application.

Claims

1. A vehicle insurance policy issuing method, characterized by comprising the following steps:

verifying the target policy data through the initial policy data;

2. The vehicle insurance policy issuing method according to claim 1, further comprising, before said step of verifying said target policy data by said initial policy data:

3. The vehicle insurance policy issuing method according to claim 2, wherein said step of verifying the authenticity of said target policy data from said first history policy data and said second history policy data includes:

extracting the current claim amount from the target policy data;

4. A vehicle insurance policy according to claim 3, wherein said step of determining a risk factor according to said current claim amount, said first historical claim amount and said second historical claim amount includes:

5. The vehicle insurance policy issuing method according to any one of claims 1 to 4, wherein the step of acquiring initial policy data corresponding to the policy to be processed from a vehicle insurance database includes:

Acquiring a policy identifier corresponding to the policy to be processed;

6. The vehicle insurance policy issuing method according to any of claims 1 to 4, wherein said step of verifying said target policy data by said initial policy data includes:

7. The vehicle insurance policy method according to any of claims 1-4, further comprising, after said step of saving said target policy data in a financial database:

8. A vehicle insurance policy issuing device, characterized by comprising:

9. A computer device comprising a memory and a processor, the memory having stored therein computer readable instructions which when executed by the processor implement the steps of the vehicle insurance policy method of any of claims 1 to 7.

10. A computer readable storage medium having stored thereon computer readable instructions which when executed by a processor implement the steps of the vehicle insurance policy method of any of claims 1 to 7.