TWM650648U - Systems for verifying insurance application information - Google Patents

Abstract

This creation provides an insurance data checking system, including checking modules, databases and memory databases. The inspection module determines the inspection category based on the product information, obtains at least one operation expression under the inspection category, generates a first operation expression list, and determines after comparison whether there is an operation expression that should be eliminated in the first operation expression list. , if there is one, delete it to get the second operational expression list. The checking module stores the product information and the second calculation formula list in the memory database, and checks the insurance application data based on the calculation formula in the second calculation formula list.

Description

Insurance information verification system

This creation is about an insurance information checking system.

Life insurance companies have long-term development of applications such as mobile insurance platforms for company insurance salesmen and online insurance platforms for customers. For third-party partners (for example, bank channels), most still rely on paper writing and delivery. The customer insurance process is labor-consuming, time-consuming, and often The underwriting process is lengthy and unfavorable to both parties because the content of the insurance documents filled out by the customer is unclear or the writing is omitted. From a system perspective, the development logic of past underwriting inspection programs was too complex, and the flat design resulted in high maintenance costs.

In order to improve the above shortcomings, this invention provides an insurance data checking system, including: a checking module, used to check a first insurance data according to the request; a database, connected to the checking module, the database stores There is one master data, one rule data, one exception data and one message data. The master data records the categories of specific products in specific channels that should be inspected. The rule data records the calculation formulas of each inspection item under the specific category. The The exception data records the elimination conditions of a specific category or a specific operation, and the message data records error message information; and a memory database is connected to the checking module, and the memory database is a non-associative data database; wherein the check module compares the first product information in the first insurance data with the master data, determines a check category, and then obtains at least one operation expression under the check category in the rule data, Generate a first operation expression list; the checking module compares the first product information and the exception data to determine whether there is an operation expression that should be eliminated in the first operation expression list, and if so, remove it to obtain a a second operation formula list; the verification module stores the first product information and the second operation formula list in the memory database; the verification module performs The first insurance data is checked; if there are calculation items that fail the check, the check module obtains the corresponding error message based on the message data.

In some specific embodiments of the invention, the product information includes a channel code and a product code.

In some specific embodiments of this invention, if the second product information in the second insurance information received subsequently is the same as the first product information stored in the memory database, the verification module directly automatically The memory database obtains the second operation expression list, and checks the second insurance data based on the operation expressions in the second operation expression list.

In some embodiments of the invention, the error message includes a dynamic content that is presented based on specific information in the first insurance data.

In some specific embodiments of the present invention, each operation expression in the rule data is an expression in an expression language. According to some specific embodiments, the expression language is SpEL.

Other purposes and advantages of the present invention are partly described in the following description, or may be understood through embodiments of the present invention. It should be understood that the foregoing creative content and the following implementation methods are only illustrative and explanatory descriptions, and do not limit the creative content as in the scope of the patent application.

Unless otherwise defined, 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 work belongs.

The words "one" and "B" used in this article, unless otherwise specified, refer to the quantity of at least one (one or more than one).

This creative system provides an insurance information verification system, including: A checking module, used to check a first insurance information upon request; A database is connected to the inspection module. The database stores a master data, a rule data, an exception data and a message data. The master data records the categories of specific products in a specific channel that should be inspected. The rule The data records have the operation formulas of each check item under a specific category, the exception data records the elimination conditions of a specific category or a specific operation formula, and the message data records error message information; and A memory database connected to the verification module, the memory database being a non-associative database; in: The check module compares the first product information in the first insurance data with the master data, determines a check category, and then obtains at least one operation expression under the check category in the rule data to generate a first a list of operational expressions; The checking module compares the first product information and the exception data to determine whether there is an operation expression that should be eliminated in the first operation expression list, and if so, remove it to obtain a second operation expression list; The checking module stores the first product information and the second calculation formula list in the memory database; The checking module checks the first insurance information based on the calculation expression in the second calculation expression list; and If there is an operation expression item that fails the check, the check module obtains the corresponding error message based on the message data.

Each module or database described in this article can be implemented only by hardware (for example, hardware circuits), or by software combined with hardware.

The verification module, database and memory database may independently include a storage device, a processor and/or a communication chip. Examples of storage devices include hard drives, pen drives, memories, memory cards, etc. Examples of processors include integrated circuits such as microcontroller units, microprocessors, digital signal processors, application specific integrated circuits (ASICs), logic circuits, or other similar components or combinations thereof. Communication chips can be implemented as Long Term Evolution (LTE), Worldwide Interoperability for Microwave Access (WiMAX), Wireless Fidelity (Wi-Fi), Bluetooth transmission, Global Mobile Communications (GSM) or Personal Handheld Phone System (PHS) )wait.

The "connection" mentioned in this article includes but is not limited to electrical connection, signal connection and/or communication connection.

The online insurance platform can receive the user's insurance information from the insurance application channel, store the received insurance information in a log table (LOG table), and perform format conversion on the insurance information according to a predetermined format. Users can use an electronic device to apply for mobile insurance through an insurance channel (for example, online banking). The electronic device includes but is not limited to a desktop computer, a notebook computer, a tablet computer or a smart phone.

Alternatively, the insurance data checking system of this creation can further include an interface module for receiving insurance data, storing the received insurance data in a log table (LOG table), and formatting the insurance data according to a predetermined format. Convert. In one example, the interface module first classifies the insurance channel, for example, determines that it is one of the existing channels A, B, and C, and then converts it into the predetermined format based on the data format corresponding to the specific channel.

According to this invention, the verification module can use Java technology to extract the product information required for rule verification (which may include channel codes and product codes) from the customer's underwriting data, as well as the relevant information of the applicant and the insured. message, and then based on the incoming message, the factors that need to be checked are searched from the database (which can include forward comparison and reverse elimination) and calculated, and the final check results are obtained and then sent back to the front-end system.

The database stores master data, rule data, exception data and message data. The master data records the categories that should be inspected for specific products in specific channels, the rule data records the calculation formulas for each inspection item under the specific category, the exception data records the elimination conditions of specific categories or specific calculation formulas, and the message data records the Error message information.

Preferably, each operation expression in the rule data is an expression in an expression language. In some specific embodiments, the expression language is SpEL (Spring Expression Language).

First, compare the product information with the master data to determine one or more inspection categories that should be inspected for the product channel and the insurance products under the product code. The review categories include but are not limited to basic policy information, proposer information, insured information, beneficiary information, access information, health status, investment analysis questionnaires, rider information, investment targets, risk attribute questionnaires, etc. Then, according to the check category, at least one calculation expression under the check category is obtained from the rule data, and a first calculation expression list is generated, which includes each check calculation expression under the check category.

In addition, the product information and exception data can be compared to determine whether there are any calculation expressions in the first calculation expression list that should be excluded. If based on the exception data, there are one or more calculation expressions that should be excluded if the product information is met. , then eliminate it from the first operation expression list to obtain the second operation expression list (if not, it will not be eliminated, and the first operation expression list will be used as the second operation expression list).

Finally, the checking module checks the insurance information based on the calculation expression in the second calculation expression list. If there are calculation items that fail the check, the check module obtains the corresponding error message based on the message data, and can send the check result and error message (if any) back to the front end.

The in-memory database is preferably a non-relational database, such as a Redis database. After generating the second calculation formula list, the verification module can store the product information and the second calculation formula list in the memory database. If the subsequent insurance information received has the same product information, the verification module can directly The second operation expression list is obtained from the memory database, and the second insurance data is checked based on the operation expressions in the second operation expression list.

In some implementations, the error message may include dynamic content that is presented based on specific information in the protected data. For example, the dynamic content may be the age of the policyholder.

The features of this creative insurance data checking system and method include: 1. Dynamically read verification formulas: Different from the previous design model, the general development model is to write various verification judgment formulas in the program. There are often hundreds or even thousands of lines of if/else judgment formulas in the program. , this creation uses the coupling of expression language and database design to achieve dynamic and real-time verification; if there is a need to change the underwriting rules, the rules can be adjusted directly by changing the database, without recompiling the class and restarting the service; 2. Use a memory database (for example, Redis) to cache underwriting rules, and it only takes a few seconds to obtain tens of thousands of underwriting rules; and 3. Multi-dimensional database design: gather the data dimensions across multiple channels into the database, and the policies of all channels will use the same verification engine to perform the verification behavior of the corresponding channel rules.

A specific implementation example of the insurance information checking system of this invention will now be described with reference to Figure 1 as follows.

The insurance information verification system 100 includes a verification module 110, a database 120 and a memory database 130. The database 120 and the memory database 130 are connected to the verification module 110 respectively. The insurance information verification system 100 is communicatively connected with the electronic device 200 .

The database 120 stores main data 121, rule data 122, exception data 123 and message data 124. Master data 121 records the categories of specific products in specific channels that should be inspected, rule data 122 records the calculation formulas of each inspection item under the specific category, exception data 123 records the elimination conditions of specific categories or specific calculation formulas, and message data 124 records There is an error message indicating that a specific calculation fails to pass the check.

The checking module 110 checks the insurance data according to the request incoming from the electronic device 200. First, it compares the product information in the insurance data with the master data 121, determines one or more check categories, and then obtains the check mentioned in the rule data 122. At least one operation expression under the core category generates a first operation expression list. Subsequently, the checking module 110 compares the first product information and the exception data 123 to determine whether there is an operation expression that should be eliminated in the first operation expression list, and if so, it is eliminated to obtain a second operation expression list. In addition, the checking module 110 stores the product information and the second calculation formula list in the memory database 130 .

Then, the checking module 110 checks the insurance application data based on the calculation expressions in the second calculation expression list. If there is an calculation expression item that fails the check, the checking module 110 obtains the corresponding error based on the message data 124 message.

Finally, the checking module 110 returns the checking result and error message (if any) to the electronic device 200 .

100:Insurance information verification system 110: Check module 120:Database 121:Main data 122:Rule information 123:Exception data 124:Message data 130:Memory database 200:Electronic devices

Figure 1 is a structural diagram of the insurance information checking system of this creation.

100:Insurance information verification system

110: Check module

120:Database

121:Main data

122:Rule information

123:Exception data

124:Message data

130:Memory database

200:Electronic devices

Claims (6)

An insurance information checking system, including: A checking module, used to check a first insurance information upon request; A database is connected to the inspection module. The database stores a master data, a rule data, an exception data and a message data. The master data records the categories of specific products in a specific channel that should be inspected. The rule The data records have the operation formulas of each check item under a specific category, the exception data records the elimination conditions of a specific category or a specific operation formula, and the message data records error message information; and A memory database connected to the verification module, the memory database being a non-associative database; The check module compares the first product information in the first insurance data with the master data, determines a check category, and then obtains at least one operation expression under the check category in the rule data to generate a A first operation expression list; the checking module compares the first product information and the exception data to determine whether there is an operation expression that should be eliminated in the first operation expression list, and if so, remove it to obtain a second operation expression list. An operation expression list; the verification module stores the first product information and the second operation expression list in the memory database; the verification module performs the calculation of the third operation expression based on the operation expression in the second operation expression list. The insurance data is checked; if there are calculation items that fail the check, the check module obtains the corresponding error message based on the message data. The insurance data checking system as described in claim 1, wherein the product information includes a channel code and a product code. For the insurance data checking system described in claim 1, if the second product information in the second insurance data received subsequently is the same as the first product data stored in the memory database, then the checking module The group directly obtains the second operation expression list from the memory database, and checks the second insurance data based on the operation expressions in the second operation expression list. The insurance data checking system of claim 1, wherein the error message includes a dynamic content that is presented based on specific information in the first insurance data. The insurance data checking system as described in claim 1, wherein each operation expression in the rule data is an expression in an expression language. The insurance data checking system as described in claim 1, wherein the expression language is SpEL.

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