WO2018036157A1 - 保费支付方法、装置、设备及计算机可读存储介质 - Google Patents

保费支付方法、装置、设备及计算机可读存储介质 Download PDF

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Publication number
WO2018036157A1
WO2018036157A1 PCT/CN2017/077977 CN2017077977W WO2018036157A1 WO 2018036157 A1 WO2018036157 A1 WO 2018036157A1 CN 2017077977 W CN2017077977 W CN 2017077977W WO 2018036157 A1 WO2018036157 A1 WO 2018036157A1
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WO
WIPO (PCT)
Prior art keywords
premium
insurance
user
card account
deducted
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2017/077977
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English (en)
French (fr)
Inventor
李毅
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Ping An Technology Shenzhen Co Ltd
Original Assignee
Ping An Technology Shenzhen Co Ltd
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Filing date
Publication date
Application filed by Ping An Technology Shenzhen Co Ltd filed Critical Ping An Technology Shenzhen Co Ltd
Publication of WO2018036157A1 publication Critical patent/WO2018036157A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351—Virtual cards
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons

Definitions

  • the present invention relates to the field of communications technologies, and in particular, to a premium payment method, apparatus, device, and computer readable storage medium.
  • the insurance company In the telesales system, when the manual agent confirms that the user has the intention to insure, the insurance company creates an insurance policy according to the communication content of the artificial agent and the user, and delivers the insured single line to the user. After the user confirms that the insurance policy is correct, after paying the premium corresponding to the insurance policy, the insurance system generates a policy corresponding to the insurance policy, and then delivers the policy to the user to complete the entire insurance process.
  • the payment of premiums generally only supports cash or electronic payment cards, and the payment method is single.
  • e-commerce generally returns a certain proportion of consumption points, which can be used to purchase or redeem goods. However, this spending credit is generally not available for paying premiums.
  • the main object of the present invention is to provide a premium payment method, device, device and computer readable storage medium, which are aimed at solving the problem that the existing consumption credit cannot be combined with the payment method of the electronic payment card, and the technology for paying the premium together. problem.
  • the present invention provides a premium payment method, and the premium payment method includes:
  • the premium is deducted from the electronic payment card account and the consumption credit.
  • the present invention further provides a premium payment device, the premium payment device comprising:
  • a generating module configured to obtain a insurance agreement reached between the artificial agent and the user, and generate an insurance policy according to the insurance agreement;
  • a determining module configured to determine a premium corresponding to the insurance policy, and determining a spending credit in the preset account that can be used to offset the premium;
  • An obtaining module configured to obtain an electronic payment card account used by a user to pay premiums online
  • a retrieval module for deducting the premium from the electronic payment card account and the consumption credit.
  • the present invention further provides a premium payment device, the premium payment device including a processor, a memory, and a communication bus;
  • the communication bus is used to implement connection communication between a processor and a memory
  • the processor is configured to execute a premium payment program stored in the memory to implement the following steps:
  • the premium is deducted from the electronic payment card account and the consumption credit.
  • the present invention also provides a computer readable storage medium storing one or more programs, the one or more programs being executable by one or more processors To achieve the following steps:
  • the premium is deducted from the electronic payment card account and the consumption credit.
  • the invention generates an insurance policy according to the insurance agreement by acquiring a insurance agreement reached between the artificial agent and the user; determining a premium corresponding to the insurance policy; and determining a consumption credit that can be used to offset the premium in the preset account; An electronic payment card account for paying a premium online; the premium is deducted from the electronic payment card account and the consumption credit.
  • the insurance policy is generated according to the insurance agreement, and the premium corresponding to the insurance policy is deducted from the consumer credit and the electronic payment card account, and the consumer credit and the electronic payment card are
  • the combined payment method pays premiums, increases the payment method for paying premiums, and also expands the use of consumption points.
  • FIG. 1 is a schematic flow chart of a first embodiment of a premium payment method according to the present invention.
  • FIG. 2 is a schematic flow chart of a second embodiment of a premium payment method according to the present invention.
  • FIG. 3 is a schematic diagram of functional modules of a first embodiment of a premium payment device of the present invention.
  • FIG. 4 is a schematic diagram of functional modules of a second embodiment of the premium payment device of the present invention.
  • FIG. 5 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present invention.
  • the present invention provides a premium payment method.
  • FIG. 1 is a schematic flowchart diagram of a first embodiment of a premium payment method according to the present invention.
  • the premium payment method includes:
  • Step S10 Obtain an insurance application agreement between the artificial agent and the user, and generate an insurance policy according to the insurance application agreement;
  • the insurance system acquires the insurance agreement reached by the manual agent and the user, and generates a policy form according to the insurance application agreement.
  • the manual agent inputs information of the user's insurance information, the information of the applicant, the beneficiary, and the like into the insurance.
  • an insurance agreement is formed.
  • the insurance policy also known as the insurance application and the insurance policy, is a written offer for the insurance applicant to apply for an insurance contract with the insurance company.
  • the insurance policy includes information such as the name and address of the insured, the name and place of the insurance subject, the insurance coverage, the origin of the insurance liability, the insurance value and the insurance amount.
  • the method further includes: sending the insurance policy to the user, so that the user confirms the correctness of the insurance policy.
  • the insurance system may send the insurance policy to the user by means of an online manner for the user to confirm the correctness of the policy content. If the user thinks that the content of the insurance policy is incorrect, the manual agent may be contacted to modify the insurance policy until the user confirms that the insurance policy is correct. After the user confirms that the insurance policy is correct, the user may input a confirmation instruction confirming that the insurance policy is correct in the page designated by the insurance system. When the insurance system receives the confirmation instruction, the insurance system determines a premium corresponding to the insurance policy.
  • Step S20 determining a premium corresponding to the insurance policy, and determining a consumption credit that can be used to offset the premium in the preset account;
  • the insurance system determines the premium corresponding to the insurance policy, and determines the consumption credit of the user's preset account that can be used to offset the premium.
  • the preset account is a consumption credit returned by the merchant after the user stores the consumer commodity, and the consumption credit can be used as money, can be used to purchase the commodity, pay the fee, and the like.
  • the Wanlitong account can be used as the preset account to help understanding, but the preset account includes, but is not limited to, the Wanlitong account.
  • the Miles can be exchanged for 500,000 offline commercial merchants in more than 200 cities across the country, such as McDonald's, Starbucks, and the whole family. It can also be exchanged for Chinese Air China, China Southern Airlines, Ctrip, Tmall, Alipay, Mango. consumption.
  • the insurance system needs to determine the consumption credits in the preset account that can be used to deduct the premium before using the consumption credit to deduct the premium, so as to prevent the use of the consumer credit deduction The deduction failed during the premium process.
  • Step S30 acquiring an electronic payment card account used by the user to pay the premium online;
  • the insurance system determines the premium that the user needs to pay according to the insurance policy, and outputs prompt information, prompting the user to provide an electronic payment card account that can be used for online payment of premium.
  • the electronic payment card includes, but is not limited to, a debit card and a credit card, and the debit card refers to a bank card that does not have an overdraft function after depositing (or cashing in); the credit card is also called a credit card, which is a kind of The non-cash transaction payment method is a simple credit service.
  • the bank or credit card company sends the cardholder according to the user's credit and financial resources. The cardholder does not need to pay cash when using the credit card, and then repay the bill on the day of the bill.
  • the user When the user receives a prompt prompting to provide an electronic payment card account for online payment of premiums, the user can have an IVR (Interactive Voice)
  • the terminal of the Response, Interactive Voice Response function sends the account corresponding to the electronic payment card account to the insurance system, and the terminal includes, but is not limited to, a smartphone and a tablet having an IVR function.
  • the insurance system acquires an account of the electronic payment card according to the account number.
  • Step S40 deducting the premium from the electronic payment card account and the consumption credit.
  • the insurance system When the insurance system obtains the electronic payment card account and the consumption credit of the preset account, the insurance system deducts the premium from the electronic payment card account and the consumption credit.
  • the insurance system After the premium deduction is successful, the insurance system generates a policy corresponding to the insurance policy.
  • the insurance policy is also called an insurance policy.
  • the insurance policy must clearly and completely record the rights and obligations of the insurance parties.
  • the policy mainly contains the name of the insurer and the insured, the insurance subject, the insurance amount, the insurance premium, and the insurance. Term of liability, scope of compensation or payment, and other prescribed matters.
  • the insurance system implements online generation of an insurance policy, and generates a policy after the user pays the premium online. After the insurance company generates the insurance policy, it needs to deliver the insurance policy to the user, let the user confirm and pay the premium, reduce the distribution cost of the insurance company, and improve the efficiency of generating the policy because the insurance policy is not required to be distributed. Increased coverage time.
  • the premium payment method further includes:
  • Step a determining a deduction rule for deducting the premium with the consumption credit
  • the insurance system determines that the consumption credit deducts the deduction rule of the premium.
  • the deduction rule is set by the insurance system according to requirements, or determined by the insurance system and each e-commerce negotiation. If it is determined how many premiums can be deducted for multiple consumption points, various consumption points deduct the price of the premium. For example, two consumption points can be deducted from the premium of 1 yuan, and the consumption points of 5 food categories can be deducted from the premium of 1 yuan, while the consumption points of 2 office supplies can be deducted from the premium of 1 yuan.
  • the step S40 includes:
  • Step b deducting the premium from the consumption credit according to the deduction rule, and calculating the remaining premium to be deducted;
  • step c the remaining premium to be deducted is deducted from the electronic payment card account.
  • the insurance system After the insurance system determines that the consumption credit deducts the deductible rule of the premium, the insurance system deducts the premium from the consumption credit according to the deduction rule, and calculates the electronic payment in the The remaining premiums to be deducted in the card account. When the insurance system calculates the remaining premium to be deducted, the insurance system deducts the remaining premium to be deducted from the electronic payment card account. It should be noted that, when the amount of the remaining premium to be deducted is zero, the amount of the premium deducted by the insurance system in the electronic payment card account is zero.
  • the insurance system may also set the premium to be deducted from the electronic payment card account, such as when the consumption credit can fully deduct the premium, the insurance system may be The electronic payment card account is deducted from the 1 yuan premium, and the other premiums other than the 1 yuan premium are deducted from the consumption credit.
  • an insurance policy is obtained by acquiring a human agent and a user, and a policy is generated according to the insurance policy; determining a premium corresponding to the insurance policy, and determining a consumption credit that can be used to offset the premium in the preset account; An electronic payment card account for paying premiums online; the premium is deducted from the electronic payment card account and the consumption credit.
  • the insurance policy is generated according to the insurance agreement, and the premium corresponding to the insurance policy is deducted from the consumer credit and the electronic payment card account, and the consumer credit and the electronic payment card are
  • the combined payment method pays premiums, increases the payment method for paying premiums, and also expands the use of consumption points.
  • FIG. 2 is a schematic flowchart diagram of a second embodiment of a premium payment method according to the present invention.
  • a second embodiment of the present invention is proposed based on the first embodiment of the premium payment method of the present invention.
  • the premium payment method further includes:
  • Step S50 setting a deduction ratio of the premium in the consumption credit and the electronic payment card account
  • the insurance system presets a deduction ratio for deducting the premium from the consumption credit and the electronic payment card account. If the deduction ratio of the premium collected in the consumption credit and the electronic payment card account is 2:3, or set to other ratios, the ratio may be set by the insurance system according to a specific situation.
  • the step S40 includes:
  • Step S41 deducting the premium from the electronic payment card account and the consumption credit based on the deduction ratio.
  • the insurance system determines consumption credits in the preset account that can be used to deduct the premium, and after determining the electronic payment card account, the insurance system is based on the deduction ratio, in the electronic payment card The premium is deducted from the account and the consumption credit.
  • the insurance system will deduct the portion of the premium that the consumer credit has not deducted from the electronic payment card account. If the premium of 200 yuan is required to be deducted from the consumption credit, and the consumption credit is only enough to deduct the premium of 80 yuan, the insurance system will deduct the credit card account from the The premium of 120 yuan deducted from the consumption points.
  • the premium payment method further includes:
  • Step d outputting prompt information, prompting the user to confirm the premium deducted in the consumption credit, and confirming the premium deducted in the electronic payment card account;
  • step S40 is performed.
  • the insurance system determines the consumption credits in the preset account that can be used to deduct the premium, and after determining the electronic payment card account, the insurance system outputs prompt information, prompting the user to confirm in the consumption credit The premiums deducted and the premiums deducted from the e-payment card account.
  • the user may enter a confirmation instruction in the insurance system designation interface.
  • the insurance system receives the confirmation instruction, the insurance system deducts the premium from the electronic payment card account and the consumption credit.
  • the user may input the deduction ratio after the change in the interface specified by the insurance system.
  • the insurance system deducts the premium from the electronic payment card account and the consumption credit according to a deduction ratio after the user changes.
  • the deduction ratio of the premium is deducted by setting the consumption credit and the electronic payment card account, so as to better realize the payment of the premium by the payment method combining the consumption credit and the electronic payment card.
  • a person skilled in the art may understand that all or part of the steps of implementing the above embodiments may be completed by hardware, or may be instructed by a program to execute related hardware, and the program may be stored in a computer readable storage medium.
  • the storage medium mentioned may be a read only memory, a magnetic disk or an optical disk or the like.
  • the present invention further provides a premium payment device 100.
  • FIG. 3 is a schematic diagram of functional modules of a first embodiment of the premium payment device 100 of the present invention.
  • the block diagram shown in FIG. 3 is merely an exemplary diagram of a preferred embodiment, and those skilled in the art can easily surround the module of the premium payment apparatus 100 shown in FIG.
  • the new module is supplemented; the name of each module is a custom name, which is only used to assist in understanding the various program function blocks of the premium payment device 100, and is not used to define the technical solution of the present invention.
  • the core of the technical solution of the present invention is that each The function to be achieved by the module that defines the name.
  • the premium payment device 100 is built in the insurance system.
  • the premium payment device 100 includes:
  • the generating module 10 is configured to obtain a insurance agreement reached between the human agent and the user, and generate a policy form according to the insurance agreement;
  • the insurance system acquires the insurance agreement reached by the manual agent and the user, and generates a policy form according to the insurance application agreement.
  • the manual agent inputs information of the user's insurance information, the information of the applicant, the beneficiary, and the like into the insurance.
  • an insurance agreement is formed.
  • the insurance policy also known as the insurance application and the insurance policy, is a written offer for the insurance applicant to apply for an insurance contract with the insurance company.
  • the insurance policy includes information such as the name and address of the insured, the name and place of the insurance subject, the insurance coverage, the origin of the insurance liability, the insurance value and the insurance amount.
  • the premium payment device further includes:
  • a sending module configured to send the insurance policy to the user, for the user to confirm the correctness of the insurance policy.
  • the insurance system may send the insurance policy to the user by means of an online manner for the user to confirm the correctness of the policy content. If the user thinks that the content of the insurance policy is incorrect, the manual agent may be contacted to modify the insurance policy until the user confirms that the insurance policy is correct. After the user confirms that the insurance policy is correct, the user may input a confirmation instruction confirming that the insurance policy is correct in the page designated by the insurance system. When the insurance system receives the confirmation instruction, the insurance system determines a premium corresponding to the insurance policy.
  • a determining module 20 configured to determine a premium corresponding to the insurance policy, and determine a spending credit in the preset account that can be used to offset the premium;
  • the insurance system determines the premium corresponding to the insurance policy, and determines the consumption credit of the user's preset account that can be used to offset the premium.
  • the preset account is a consumption credit returned by the merchant after the user stores the consumer commodity, and the consumption credit can be used as money, can be used to purchase the commodity, pay the fee, and the like.
  • the Wanlitong account can be used as the preset account to help understanding, but the preset account includes, but is not limited to, the Wanlitong account.
  • the Miles can be exchanged for 500,000 offline commercial merchants in more than 200 cities across the country, such as McDonald's, Starbucks, and the whole family. It can also be exchanged for Chinese Air China, China Southern Airlines, Ctrip, Tmall, Alipay, Mango. consumption.
  • the insurance system needs to determine the consumption credits in the preset account that can be used to deduct the premium before using the consumption credit to deduct the premium, so as to prevent the use of the consumer credit deduction The deduction failed during the premium process.
  • the obtaining module 30 is configured to obtain an electronic payment card account used by the user to pay the premium online;
  • the insurance system determines the premium that the user needs to pay according to the insurance policy, and outputs prompt information, prompting the user to provide an electronic payment card account that can be used for online payment of premium.
  • the electronic payment card includes, but is not limited to, a debit card and a credit card, and the debit card refers to a bank card that does not have an overdraft function after depositing (or cashing in); the credit card is also called a credit card, which is a kind of The non-cash transaction payment method is a simple credit service.
  • the bank or credit card company sends the cardholder according to the user's credit and financial resources. The cardholder does not need to pay cash when using the credit card, and then repay the bill on the day of the bill.
  • the user When the user receives a prompt prompting to provide an electronic payment card account for online payment of premiums, the user can have an IVR (Interactive Voice)
  • the terminal of the Response, Interactive Voice Response function sends the account corresponding to the electronic payment card account to the insurance system, and the terminal includes, but is not limited to, a smartphone and a tablet having an IVR function.
  • the insurance system acquires an account of the electronic payment card according to the account number.
  • the debit module 40 is configured to deduct the premium from the electronic payment card account and the consumption credit.
  • the insurance system When the insurance system obtains the electronic payment card account and the consumption credit of the preset account, the insurance system deducts the premium from the electronic payment card account and the consumption credit.
  • the insurance system After the premium deduction is successful, the insurance system generates a policy corresponding to the insurance policy.
  • the insurance policy is also called an insurance policy.
  • the insurance policy must clearly and completely record the rights and obligations of the insurance parties.
  • the policy mainly contains the name of the insurer and the insured, the insurance subject, the insurance amount, the insurance premium, and the insurance. Term of liability, scope of compensation or payment, and other prescribed matters.
  • the insurance system implements online generation of an insurance policy, and generates a policy after the user pays the premium online. After the insurance company generates the insurance policy, it needs to deliver the insurance policy to the user, let the user confirm and pay the premium, reduce the distribution cost of the insurance company, and improve the efficiency of generating the policy because the insurance policy is not required to be distributed. Increased coverage time.
  • the determining module 20 is further configured to determine a deduction rule that deducts the premium with the consumption credit
  • the insurance system determines that the consumption credit deducts the deduction rule of the premium.
  • the deduction rule is set by the insurance system according to requirements, or determined by the insurance system and each e-commerce negotiation. If it is determined how many premiums can be deducted for multiple consumption points, various consumption points deduct the price of the premium. For example, two consumption points can be deducted from the premium of 1 yuan, and the consumption points of 5 food categories can be deducted from the premium of 1 yuan, while the consumption points of 2 office supplies can be deducted from the premium of 1 yuan.
  • the deduction module 40 is further configured to deduct the premium from the consumption credit according to the deduction rule, and calculate a remaining premium to be deducted;
  • the debit module 40 is further configured to deduct the remaining premium to be deducted from the electronic payment card account.
  • the insurance system After the insurance system determines that the consumption credit deducts the deductible rule of the premium, the insurance system deducts the premium from the consumption credit according to the deduction rule, and calculates the electronic payment in the The remaining premiums to be deducted in the card account. When the insurance system calculates the remaining premium to be deducted, the insurance system deducts the remaining premium to be deducted from the electronic payment card account. It should be noted that, when the amount of the remaining premium to be deducted is zero, the amount of the premium deducted by the insurance system in the electronic payment card account is zero.
  • the insurance system may also set the premium to be deducted from the electronic payment card account, such as when the consumption credit can fully deduct the premium, the insurance system may be The electronic payment card account is deducted from the 1 yuan premium, and the other premiums other than the 1 yuan premium are deducted from the consumption credit.
  • an insurance policy is obtained by acquiring a human agent and a user, and a policy is generated according to the insurance policy; determining a premium corresponding to the insurance policy, and determining a consumption credit that can be used to offset the premium in the preset account; An electronic payment card account for paying premiums online; the premium is deducted from the electronic payment card account and the consumption credit.
  • the insurance policy is generated according to the insurance agreement, and the premium corresponding to the insurance policy is deducted from the consumer credit and the electronic payment card account, and the consumer credit and the electronic payment card are
  • the combined payment method pays premiums, increases the payment method for paying premiums, and also expands the use of consumption points.
  • FIG. 4 is a schematic diagram of functional modules of a second embodiment of the premium payment device 100 of the present invention.
  • the second embodiment of the present invention is proposed based on the first embodiment of the premium payment device 100 of the present invention.
  • the premium payment device 100 further includes:
  • a setting module 50 configured to set a deduction ratio of deducting the premium in the consumption credit and the electronic payment card account
  • the insurance system presets a deduction ratio for deducting the premium from the consumption credit and the electronic payment card account. If the deduction ratio of the premium collected in the consumption credit and the electronic payment card account is 2:3, or set to other ratios, the ratio may be set by the insurance system according to a specific situation.
  • the debit module 40 is further configured to deduct the premium in the electronic payment card account and the consumption credit based on the deduction ratio.
  • the insurance system determines consumption credits in the preset account that can be used to deduct the premium, and after determining the electronic payment card account, the insurance system is based on the deduction ratio, in the electronic payment card The premium is deducted from the account and the consumption credit.
  • the insurance system will deduct the portion of the premium that the consumer credit has not deducted from the electronic payment card account. If the premium of 200 yuan is required to be deducted from the consumption credit, and the consumption credit is only enough to deduct the premium of 80 yuan, the insurance system will deduct the credit card account from the The premium of 120 yuan deducted from the consumption points.
  • the premium payment device further includes:
  • An output module configured to output prompt information, prompting the user to confirm the premium deducted in the consumption credit, and confirming the premium deducted in the electronic payment card account;
  • the debit module 40 is further configured to deduct the premium from the electronic payment card account and the consumption credit when receiving a confirmation instruction that the user confirms the deduction of the premium.
  • the insurance system determines the consumption credits in the preset account that can be used to deduct the premium, and after determining the electronic payment card account, the insurance system outputs prompt information, prompting the user to confirm in the consumption credit The premiums deducted and the premiums deducted from the e-payment card account.
  • the user may enter a confirmation instruction in the insurance system designation interface.
  • the insurance system receives the confirmation instruction, the insurance system deducts the premium from the electronic payment card account and the consumption credit.
  • the user may input the deduction ratio after the change in the interface specified by the insurance system.
  • the insurance system deducts the premium from the electronic payment card account and the consumption credit according to a deduction ratio after the user changes.
  • the deduction ratio of the premium is deducted by setting the consumption credit and the electronic payment card account, so as to better realize the payment of the premium by the payment method combining the consumption credit and the electronic payment card.
  • the foregoing generation module 10, the determination module 20, the acquisition module 30, the retrieval module 40, and the like may be embedded in or independent of the premium payment device in hardware, or may be stored in software.
  • the premium payment device is in the memory, so that the processor calls to perform the operations corresponding to the above respective modules.
  • the processor can be a central processing unit (CPU), a microprocessor, a microcontroller, or the like.
  • FIG. 5 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present invention.
  • the premium payment device may be a PC, or may be a smart phone, a tablet computer, an e-book reader, and an MP3 (Moving). Picture Experts Group Audio Layer III, motion picture expert compresses standard audio layer 3) player, MP4 (Moving Picture Experts Group Audio Layer IV, dynamic video experts compress standard audio layers 3) terminal devices such as players and portable computers.
  • MP3 Motion Picture Experts Group Audio Layer III, motion picture expert compresses standard audio layer 3
  • MP4 Moving Picture Experts Group Audio Layer IV, dynamic video experts compress standard audio layers 3) terminal devices such as players and portable computers.
  • the premium payment device may include a processor 1001, such as a CPU, a user interface 1003, a memory 1005, and a communication bus 1002.
  • the communication bus 1002 is used to implement connection communication between these components.
  • the user interface 1003 can include a display, an input unit such as a keyboard, and the optional user interface 1003 can also include a standard wired interface, a wireless interface.
  • the memory 1005 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage.
  • the memory 1005 can also optionally be a storage device independent of the aforementioned processor 1001.
  • the premium payment device may further include a network interface, a camera, and an RF (Radio) Frequency, RF) circuits, sensors, audio circuits, WiFi modules, and more.
  • the network interface can optionally include a standard wired interface or a wireless interface (such as a WI-FI interface).
  • the structure of the premium payment device shown in FIG. 5 does not constitute a limitation on the premium payment device, and may include more or less components than those illustrated, or combine some components or different components. Arrangement.
  • an operating system and a premium payment program may be included in the memory 1005 as a computer storage medium.
  • the operating system is a program that manages and controls the hardware and software resources of the premium payment device, and supports the operation of the premium payment program and other software and/or programs.
  • the user interface 1003 is mainly used to receive an operation instruction of the user, and output prompt information related to the premium payment program stored in the memory 1005, such as receiving a confirmation instruction that the user confirms the deduction of the premium. And outputting prompt information for prompting the user to confirm the premium deducted in the consumption credit, etc.; and the processor 1001 is configured to execute the premium payment program stored in the memory 1005, and implement the following steps:
  • the premium is deducted from the electronic payment card account and the consumption credit.
  • the processor 1001 may further execute the premium payment program to implement the following steps. :
  • the remaining premium to be deducted is deducted from the electronic payment card account.
  • the processor 1001 may further execute the premium payment program to implement the following steps:
  • the premium is deducted from the electronic payment card account and the consumption credit based on the deduction ratio.
  • the premium payment device further includes a user interface for receiving an operation instruction of the user, and outputting prompt information related to the premium payment program stored in the memory;
  • the processor 1001 may also execute the premium payment program to implement the following steps:
  • the premium is deducted from the electronic payment card account and the consumption credit.
  • the processor 1001 may further execute the premium payment program to implement the following steps:
  • the insurance policy is sent to the user for the user to confirm the correctness of the insurance policy.
  • the specific embodiment of the premium payment device of the present invention is substantially the same as the embodiment of the above-mentioned premium payment method and device, and details are not described herein again.
  • the present invention provides a computer readable storage medium storing one or more programs, the one or more programs being executable by one or more processors to implement the following steps:
  • the premium is deducted from the electronic payment card account and the consumption credit.
  • the one or more programs may also be used by the one or more processors Execute to implement the following steps:
  • the remaining premium to be deducted is deducted from the electronic payment card account.
  • the one or more programs may be executed by the one or more processors before the step of generating the insurance policy according to the insurance policy, to implement the following step:
  • the premium is deducted from the electronic payment card account and the consumption credit based on the deduction ratio.
  • the one or more programs may also be executed by the one or more processors to implement the following steps:
  • the premium is deducted from the electronic payment card account and the consumption credit.
  • the one or more programs may be executed by the one or more processors to implement the following step:
  • the insurance policy is sent to the user for the user to confirm the correctness of the insurance policy.
  • the embodiment of the computer readable storage medium of the present invention is substantially the same as the embodiment of the above-mentioned premium payment method and apparatus, and details are not described herein again.
  • the technical solution of the present invention which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM, disk,
  • a storage medium such as ROM/RAM, disk,
  • the optical disc includes a number of instructions for causing a terminal device (which may be a cell phone, a computer, a server, or a network device, etc.) to perform the methods described in various embodiments of the present invention.

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Abstract

一种保费支付方法、保费支付装置、设备及计算机可读存储介质，所述方法包括：获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单（S10）；确定所述投保单对应的保费，以及确定预设账户中可用于抵扣保费的消费积分（S20）；获取用户用于在线支付保费的电子支付卡账户（S30）；在所述电子支付卡账户和所述消费积分中扣取所述保费（S40）。该方法实现了在通过人工坐席和用户达成投保协议后，根据所述投保协议生成投保单，在消费积分和电子支付卡账户中扣取与所述投保单对应的保费，通过消费积分和电子支付卡相结合的支付方式支付保费，增加了支付保费的支付方式，同时也扩大了消费积分的使用范围。

Description

保费支付方法、装置、设备及计算机可读存储介质
本申请要求于2016年8月26日提交中国专利局、申请号为201610740293.6、发明名称为“保费支付方法和装置”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明涉及通信技术领域，尤其涉及一种保费支付方法、装置、设备及计算机可读存储介质。
背景技术
在电话销售系统中，当人工坐席确认用户有投保的意向时，保险公司根据人工坐席和用户的沟通内容制作投保单，将投保单线下配送给用户。当用户确认投保单无误，支付与投保单对应的保费后，保险系统生成与该投保单对应的保单，再将保单配送给用户，完成整个投保过程。其中，保费的支付一般仅支持现金或者刷电子支付卡，支付方式单一。此外，随着网络技术的发展，用户在通过电商购买商品时，电商一般会返回一定比例的消费积分，该消费积分可用于购买或兑换商品等。然而，该消费积分一般无法用于支付保费。
因此，如何将消费积分引入保费支付中，使用户能够结合消费积分和电子支付卡来完成保费的支付，成了一个亟待解决的问题。
发明内容
本发明的主要目的在于提供一种保费支付方法、装置、设备及计算机可读存储介质，旨在解决现有的消费积分不能和电子支付卡支付保费的方式相结合，一起用于支付保费的技术问题。
为实现上述目的，本发明提供的一种保费支付方法，所述保费支付方法包括：
获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单；
确定所述投保单对应的保费，以及确定预设账户中可用于抵扣保费的消费积分；
获取用户用于在线支付保费的电子支付卡账户；
在所述电子支付卡账户和所述消费积分中扣取所述保费。
此外，为实现上述目的，本发明还提供一种保费支付装置，所述保费支付装置包括：
生成模块，用于获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单；
确定模块，用于确定所述投保单对应的保费，以及确定预设账户中可用于抵扣保费的消费积分；
获取模块，用于获取用户用于在线支付保费的电子支付卡账户；
扣取模块，用于在所述电子支付卡账户和所述消费积分中扣取所述保费。
此外，为实现上述目的，本发明还提供一种保费支付设备，所述保费支付设备包括处理器、存储器及通信总线；
所述通信总线用于实现处理器和存储器之间的连接通信；
所述处理器用于执行存储器中存储的保费支付程序，以实现以下步骤：
获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单；
确定所述投保单对应的保费，以及确定预设账户中可用于抵扣保费的消费积分；
获取用户用于在线支付保费的电子支付卡账户；
在所述电子支付卡账户和所述消费积分中扣取所述保费。
此外，为实现上述目的，本发明还提供一种计算机可读存储介质，所述计算机可读存储介质存储有一个或者多个程序，所述一个或者多个程序可被一个或者多个处理器执行，以实现以下步骤：
获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单；
确定所述投保单对应的保费，以及确定预设账户中可用于抵扣保费的消费积分；
获取用户用于在线支付保费的电子支付卡账户；
在所述电子支付卡账户和所述消费积分中扣取所述保费。
本发明通过获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单；确定所述投保单对应的保费，以及确定预设账户中可用于抵扣保费的消费积分；获取用户用于在线支付保费的电子支付卡账户；在所述电子支付卡账户和所述消费积分中扣取所述保费。实现了在通过人工坐席和用户达成投保协议后，根据所述投保协议生成投保单，在消费积分和电子支付卡账户中扣取与所述投保单对应的保费，通过消费积分和电子支付卡相结合的支付方式支付保费，增加了支付保费的支付方式，同时也扩大了消费积分的使用范围。
附图说明
图1为本发明保费支付方法的第一实施例的流程示意图；
图2为本发明保费支付方法的第二实施例的流程示意图；
图3为本发明保费支付装置的第一实施例的功能模块示意图；
图4为本发明保费支付装置的第二实施例的功能模块示意图；
图5是本发明实施例方案涉及的硬件运行环境的设备结构示意图。
本发明目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。
本发明提供一种保费支付方法。
参照图1，图1为本发明保费支付方法第一实施例的流程示意图。
在本实施例中，所述保费支付方法包括：
步骤S10，获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单；
当人工坐席通过电话销售系统与用户达成投保协议时，保险系统获取所述人工坐席与用户所达成的投保协议，并根据所述投保协议生成投保单。需要说明的是，在所述人工坐席与用户通过所述电话销售系统达成所述投保协议过程中，所述人工坐席会将用户的投保信息，投保人的信息，受益人等信息录入所述保险系统中，形成投保协议。所述投保单又称投保书、要保书，是投保人向保险公司申请订立保险合同的书面要约。所述投保单中包括被保险人的名称和地址、保险标的的名称和存放地点、投保的险别、保险责任的起讫、保险价值及保险金额等信息。
进一步地，所述步骤S10之后，还包括：将所述投保单发送给用户，以供用户确认所述投保单的正确性。
当所述保险系统生成所述投保单之后，所述保险系统可将所述投保单通过线上的方式发送给所述用户，以供所述用户确认所述投保单内容的正确性。若用户认为所述投保单内容有误，可和所述人工坐席联系，修改所述投保单，直到用户确认所述投保单正确。当用户确认所述投保单正确之后，用户可在所述保险系统指定的页面中输入确认所述投保单正确的的确认指令。当所述保险系统接收到所述确认指令时，所述保险系统确定所述投保单所对应的保费。
步骤S20，确定所述投保单对应的保费，以及确定预设账户中可用于抵扣保费的消费积分；
当所述保险系统生成投保单后，所述保险系统确定所述投保单对应的保费，并确定用户的预设账户中可用于抵扣保费的消费积分。其中，所述预设账户为用户存储有消费商品后商家所返的消费积分，所述消费积分可以作为金钱使用，能用来购买商品，支付费用等。在本实施例中，可以通过万里通账户作为所述预设账户来帮助理解，但所述预设账户包括但不限于所述万里通账户。所述万里通可以兑换成麦当劳、星巴克、全家等全国200多个城市的50万家线下实体商户商品，还可以畅通兑换成中国国航、南航、携程、天猫、支付宝、芒果网等积分来消费。
可以理解的是，在所述预设账户中，并不是所有的消费积分都可以用来抵扣所述保费的。因为有些消费积分限制了使用商品的种类，如某些消费积分只能用于购买零食，购买电器等，有些消费积分也限制了使用方法，如某些消费积分只能用于兑换特定的商品，而不能用消费积分作为金钱来购买商品等。因此，所述保险系统在使用所述消费积分扣取所述保费之前，需要先确定所述预设账户中可用于抵扣所述保费的消费积分，以防止在使用所述消费积分扣取所述保费过程中扣取失败。
步骤S30，获取用户用于在线支付保费的电子支付卡账户；
当所述保险系统生成所述投保单之后，所述保险系统根据所述投保单确定用户所需支付的保费，输出提示信息，提示用户提供可用于在线支付保费的电子支付卡账户。其中，所述电子支付卡包括但不限于借记卡和信用卡，所述借记卡是指先存款后消费（或取现）没有透支功能的银行卡；所述信用卡又叫贷记卡，是一种非现金交易付款的方式，是简单的信贷服务，由银行或信用卡公司依照用户的信用度与财力发给持卡人，持卡人持信用卡消费时无须支付现金，待账单日时再进行还款。
当用户接收到提示提供用于在线支付保费的电子支付卡账户的提示信息时，用户可以通过具备IVR（Interactive Voice Response，交互式语音应答）功能的终端将所述电子支付卡账户所对应的账号发送至所述保险系统，所述终端包括但不限于具备IVR功能的智能手机和平板电脑。所述保险系统根据所述账号获取所述电子支付卡的账户。
步骤S40，在所述电子支付卡账户和所述消费积分中扣取所述保费。
当所述保险系统获取到所述电子支付卡账户和所述预设账户的消费积分时，所述保险系统在所述电子支付卡账户和所述消费积分中扣取所述保费。
进一步地，当所述保费扣取成功后，所述保险系统生成与所述投保单对应的保单。所述保单又称为保险单，所述保险单必须明确、完整地记载有关保险双方的权利义务，保单上主要载有保险人和被保险人的名称、保险标的、保险金额、保险费、保险期限、赔偿或给付的责任范围以及其他规定事项。在本实施例中，所述保险系统实现了在线生成投保单，在用户在线支付保费后，生成保单。避免了保险公司在生成投保单后，需要将投保单线下配送给用户，让用户确认并支付保费，降低了保险公司的配送成本，同时由于不需要配送投保单，提高了生成保单的效率，从而提高了承保时效。
进一步地，所述的保费支付方法还包括：
步骤a，确定用所述消费积分抵扣所述保费的抵扣规则；
当所述保险系统确定所述预设账户中可用于抵扣所述保费的消费积分后，所述保险系统确定所述消费积分抵扣所述保费的抵扣规则。其中，所述抵扣规则为所述保险系统根据需要而设置，或者由所述保险系统和各电商协商确定。如确定多个消费积分可以抵扣多少保费，各类消费积分抵扣所述保费的价额。如2个消费积分可以抵扣1元的保费，5个食品类的消费积分可以抵扣1元的保费，而2个办公用品类的消费积分可以抵扣1元的保费等。
所述步骤S40包括：
步骤b，根据所述抵扣规则在所述消费积分中扣取所述保费，计算剩余待扣取的保费；
步骤c，在所述电子支付卡账户中扣取所述剩余待扣取的保费。
当所述保险系统确定所述消费积分抵扣所述保费的抵扣规则后，所述保险系统根据所述抵扣规则在所述消费积分中扣取所述保费，并计算在所述电子支付卡账户中所需扣取的剩余待扣取的保费。当所述保险系统计算得到所述剩余待扣取的保费时，所述保险系统在所述电子支付卡账户中扣取所述剩余待扣取的保费。需要说明的是，当所述剩余待扣取的保费的数额为零时，所述保险系统在所述电子支付卡账户中扣取的保费的金额为零。进一步地，所述保险系统也可以设置所述保费一定要在所述电子支付卡账户中扣取所述保费，如当所述消费积分可以完全抵扣所述保费时，所述保险系统可以在所述电子支付卡账户中扣取1元保费，除所述1元保费外的其它保费，在所述消费积分中扣取。
本实施例通过获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单；确定所述投保单对应的保费，以及确定预设账户中可用于抵扣保费的消费积分；获取用户用于在线支付保费的电子支付卡账户；在所述电子支付卡账户和所述消费积分中扣取所述保费。实现了在通过人工坐席和用户达成投保协议后，根据所述投保协议生成投保单，在消费积分和电子支付卡账户中扣取与所述投保单对应的保费，通过消费积分和电子支付卡相结合的支付方式支付保费，增加了支付保费的支付方式，同时也扩大了消费积分的使用范围。
参照图2，图2为本发明保费支付方法第二实施例的流程示意图，基于本发明保费支付方法的第一实施例提出本发明的第二实施例。
在本实施例中，所述保费支付方法还包括：
步骤S50，设置在所述消费积分和所述电子支付卡账户扣取所述保费的扣取比例；
所述保险系统中预先设置了在所述消费积分和所述电子支付卡账户扣取所述保费的扣取比例。如可设置在所述消费积分和所述电子支付卡账户扣取所述保费的扣取比例为2:3，或者设置为其它比例，该比例可由所述保险系统根据具体情况而设置。
所述步骤S40包括：
步骤S41，基于所述扣取比例，在所述电子支付卡账户和所述消费积分中扣取所述保费。
当所述保险系统确定所述预设账户中可用于抵扣所述保费的消费积分，以及确定所述电子支付卡账户后，所述保险系统基于所述扣取比例，在所述电子支付卡账户和所述消费积分中扣取所述保费。
进一步地，若所述消费积分不足抵扣在所述保费中所占比例时，所述保险系统将在所述电子支付卡账户中扣取所述消费积分未扣取的那部分保费。如当需要在所述消费积分中扣取200元保费时，而所述消费积分只够扣取80元保费时，所述保险系统将在所述电子支付卡账户中扣取未能在所述消费积分扣取的120元保费。
进一步地，所述保费支付方法还包括：
步骤d，输出提示信息，提示用户确认在所述消费积分中所扣取的保费，以及确认在所述电子支付卡账户中所扣取的保费；
当接收到用户确认扣取保费的确认指令时，执行步骤S40。
当所述保险系统确定所述预设账户中可用于抵扣所述保费的消费积分，以及确定所述电子支付卡账户后，所述保险系统输出提示信息，提示用户确认在所述消费积分中所扣取的保费，以及在所述电子支付卡账户所扣取的保费。当用户确认在所述消费积分中所扣取的保费，以及在所述电子支付卡账户所扣取的保费时，用户可在所述保险系统指定界面中输入确认指令。当所述保险系统接收到所述确认指令时，所述保险系统在所述电子支付卡账户和所述消费积分中扣取所述保费。
进一步地，当用户认为需要更改在所述消费积分和所述电子支付卡账户扣取所述保费的扣取比例时，用户可在所述保险系统指定的界面中输入更改之后的扣取比例，所述保险系统根据用户更改之后的扣取比例在所述电子支付卡账户和所述消费积分中扣取所述保费。
本实施例通过设置在所述消费积分和所述电子支付卡账户扣取所述保费的扣取比例，以便于更好地实现通过消费积分和电子支付卡相结合的支付方式支付保费。
本领域普通技术人员可以理解实现上述实施例的全部或部分步骤可以通过硬件来完成，也可以通过程序来指令相关的硬件完成，所述的程序可以存储于一种计算机可读存储介质中，上述提到的存储介质可以是只读存储器，磁盘或光盘等。
本发明进一步提供一种保费支付装置100。
参照图3，图3为本发明保费支付装置100的第一实施例的功能模块示意图。
需要强调的是，对本领域的技术人员来说，图3所示模块图仅仅是一个较佳实施例的示例图，本领域的技术人员围绕图3所示的保费支付装置100的模块，可轻易进行新的模块的补充；各模块的名称是自定义名称，仅用于辅助理解该保费支付装置100的各个程序功能块，不用于限定本发明的技术方案，本发明技术方案的核心是，各自定义名称的模块所要达成的功能。
可以理解的是，所述保费支付装置100是内置于所述保险系统中的。
在本实施例中，所述保费支付装置100包括：
生成模块10，用于获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单；
当人工坐席通过电话销售系统与用户达成投保协议时，保险系统获取所述人工坐席与用户所达成的投保协议，并根据所述投保协议生成投保单。需要说明的是，在所述人工坐席与用户通过所述电话销售系统达成所述投保协议过程中，所述人工坐席会将用户的投保信息，投保人的信息，受益人等信息录入所述保险系统中，形成投保协议。所述投保单又称投保书、要保书，是投保人向保险公司申请订立保险合同的书面要约。所述投保单中包括被保险人的名称和地址、保险标的的名称和存放地点、投保的险别、保险责任的起讫、保险价值及保险金额等信息。
进一步地，所述保费支付装置还包括：
发送模块，用于将所述投保单发送给用户，以供用户确认所述投保单的正确性。
当所述保险系统生成所述投保单之后，所述保险系统可将所述投保单通过线上的方式发送给所述用户，以供所述用户确认所述投保单内容的正确性。若用户认为所述投保单内容有误，可和所述人工坐席联系，修改所述投保单，直到用户确认所述投保单正确。当用户确认所述投保单正确之后，用户可在所述保险系统指定的页面中输入确认所述投保单正确的的确认指令。当所述保险系统接收到所述确认指令时，所述保险系统确定所述投保单所对应的保费。
确定模块20，用于确定所述投保单对应的保费，以及确定预设账户中可用于抵扣保费的消费积分；
当所述保险系统生成投保单后，所述保险系统确定所述投保单对应的保费，并确定用户的预设账户中可用于抵扣保费的消费积分。其中，所述预设账户为用户存储有消费商品后商家所返的消费积分，所述消费积分可以作为金钱使用，能用来购买商品，支付费用等。在本实施例中，可以通过万里通账户作为所述预设账户来帮助理解，但所述预设账户包括但不限于所述万里通账户。所述万里通可以兑换成麦当劳、星巴克、全家等全国200多个城市的50万家线下实体商户商品，还可以畅通兑换成中国国航、南航、携程、天猫、支付宝、芒果网等积分来消费。
可以理解的是，在所述预设账户中，并不是所有的消费积分都可以用来抵扣所述保费的。因为有些消费积分限制了使用商品的种类，如某些消费积分只能用于购买零食，购买电器等，有些消费积分也限制了使用方法，如某些消费积分只能用于兑换特定的商品，而不能用消费积分作为金钱来购买商品等。因此，所述保险系统在使用所述消费积分扣取所述保费之前，需要先确定所述预设账户中可用于抵扣所述保费的消费积分，以防止在使用所述消费积分扣取所述保费过程中扣取失败。
获取模块30，用于获取用户用于在线支付保费的电子支付卡账户；
当所述保险系统生成所述投保单之后，所述保险系统根据所述投保单确定用户所需支付的保费，输出提示信息，提示用户提供可用于在线支付保费的电子支付卡账户。其中，所述电子支付卡包括但不限于借记卡和信用卡，所述借记卡是指先存款后消费（或取现）没有透支功能的银行卡；所述信用卡又叫贷记卡，是一种非现金交易付款的方式，是简单的信贷服务，由银行或信用卡公司依照用户的信用度与财力发给持卡人，持卡人持信用卡消费时无须支付现金，待账单日时再进行还款。
当用户接收到提示提供用于在线支付保费的电子支付卡账户的提示信息时，用户可以通过具备IVR（Interactive Voice Response，交互式语音应答）功能的终端将所述电子支付卡账户所对应的账号发送至所述保险系统，所述终端包括但不限于具备IVR功能的智能手机和平板电脑。所述保险系统根据所述账号获取所述电子支付卡的账户。
扣取模块40，用于在所述电子支付卡账户和所述消费积分中扣取所述保费。
当所述保险系统获取到所述电子支付卡账户和所述预设账户的消费积分时，所述保险系统在所述电子支付卡账户和所述消费积分中扣取所述保费。
进一步地，当所述保费扣取成功后，所述保险系统生成与所述投保单对应的保单。所述保单又称为保险单，所述保险单必须明确、完整地记载有关保险双方的权利义务，保单上主要载有保险人和被保险人的名称、保险标的、保险金额、保险费、保险期限、赔偿或给付的责任范围以及其他规定事项。在本实施例中，所述保险系统实现了在线生成投保单，在用户在线支付保费后，生成保单。避免了保险公司在生成投保单后，需要将投保单线下配送给用户，让用户确认并支付保费，降低了保险公司的配送成本，同时由于不需要配送投保单，提高了生成保单的效率，从而提高了承保时效。
进一步地，所述确定模块20还用于确定用所述消费积分抵扣所述保费的抵扣规则；
当所述保险系统确定所述预设账户中可用于抵扣所述保费的消费积分后，所述保险系统确定所述消费积分抵扣所述保费的抵扣规则。其中，所述抵扣规则为所述保险系统根据需要而设置，或者由所述保险系统和各电商协商确定。如确定多个消费积分可以抵扣多少保费，各类消费积分抵扣所述保费的价额。如2个消费积分可以抵扣1元的保费，5个食品类的消费积分可以抵扣1元的保费，而2个办公用品类的消费积分可以抵扣1元的保费等。
所述扣取模块40还用于根据所述抵扣规则在所述消费积分中扣取所述保费，计算剩余待扣取的保费；
所述扣取模块40还用于在所述电子支付卡账户中扣取所述剩余待扣取的保费。
当所述保险系统确定所述消费积分抵扣所述保费的抵扣规则后，所述保险系统根据所述抵扣规则在所述消费积分中扣取所述保费，并计算在所述电子支付卡账户中所需扣取的剩余待扣取的保费。当所述保险系统计算得到所述剩余待扣取的保费时，所述保险系统在所述电子支付卡账户中扣取所述剩余待扣取的保费。需要说明的是，当所述剩余待扣取的保费的数额为零时，所述保险系统在所述电子支付卡账户中扣取的保费的金额为零。进一步地，所述保险系统也可以设置所述保费一定要在所述电子支付卡账户中扣取所述保费，如当所述消费积分可以完全抵扣所述保费时，所述保险系统可以在所述电子支付卡账户中扣取1元保费，除所述1元保费外的其它保费，在所述消费积分中扣取。
本实施例通过获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单；确定所述投保单对应的保费，以及确定预设账户中可用于抵扣保费的消费积分；获取用户用于在线支付保费的电子支付卡账户；在所述电子支付卡账户和所述消费积分中扣取所述保费。实现了在通过人工坐席和用户达成投保协议后，根据所述投保协议生成投保单，在消费积分和电子支付卡账户中扣取与所述投保单对应的保费，通过消费积分和电子支付卡相结合的支付方式支付保费，增加了支付保费的支付方式，同时也扩大了消费积分的使用范围。
参照图4，图4为本发明保费支付装置100第二实施例的功能模块示意图，基于本发明保费支付装置100的第一实施例提出本发明的第二实施例。
在本实施例中，所述保费支付装置100还包括：
设置模块50，用于设置在所述消费积分和所述电子支付卡账户扣取所述保费的扣取比例；
所述保险系统中预先设置了在所述消费积分和所述电子支付卡账户扣取所述保费的扣取比例。如可设置在所述消费积分和所述电子支付卡账户扣取所述保费的扣取比例为2:3，或者设置为其它比例，该比例可由所述保险系统根据具体情况而设置。
所述扣取模块40还用于基于所述扣取比例，在所述电子支付卡账户和所述消费积分中扣取所述保费。
当所述保险系统确定所述预设账户中可用于抵扣所述保费的消费积分，以及确定所述电子支付卡账户后，所述保险系统基于所述扣取比例，在所述电子支付卡账户和所述消费积分中扣取所述保费。
进一步地，若所述消费积分不足抵扣在所述保费中所占比例时，所述保险系统将在所述电子支付卡账户中扣取所述消费积分未扣取的那部分保费。如当需要在所述消费积分中扣取200元保费时，而所述消费积分只够扣取80元保费时，所述保险系统将在所述电子支付卡账户中扣取未能在所述消费积分扣取的120元保费。
进一步地，所述保费支付装置还包括：
输出模块，用于输出提示信息，提示用户确认在所述消费积分中所扣取的保费，以及确认在所述电子支付卡账户中所扣取的保费；
所述扣取模块40还用于当接收到用户确认扣取保费的确认指令时，在所述电子支付卡账户和所述消费积分中扣取所述保费。
当所述保险系统确定所述预设账户中可用于抵扣所述保费的消费积分，以及确定所述电子支付卡账户后，所述保险系统输出提示信息，提示用户确认在所述消费积分中所扣取的保费，以及在所述电子支付卡账户所扣取的保费。当用户确认在所述消费积分中所扣取的保费，以及在所述电子支付卡账户所扣取的保费时，用户可在所述保险系统指定界面中输入确认指令。当所述保险系统接收到所述确认指令时，所述保险系统在所述电子支付卡账户和所述消费积分中扣取所述保费。
进一步地，当用户认为需要更改在所述消费积分和所述电子支付卡账户扣取所述保费的扣取比例时，用户可在所述保险系统指定的界面中输入更改之后的扣取比例，所述保险系统根据用户更改之后的扣取比例在所述电子支付卡账户和所述消费积分中扣取所述保费。
本实施例通过设置在所述消费积分和所述电子支付卡账户扣取所述保费的扣取比例，以便于更好地实现通过消费积分和电子支付卡相结合的支付方式支付保费。
需要说明的是，在硬件实现上，以上生成模块10、确定模块20、获取模块30以及扣取模块40等可以以硬件形式内嵌于或独立于保费支付装置中，也可以以软件形式存储于保费支付装置的存储器中，以便于处理器调用执行以上各个模块对应的操作。该处理器可以为中央处理单元（CPU)、微处理器、单片机等。
参照图5，图5是本发明实施例方案涉及的硬件运行环境的设备结构示意图。
本发明实施例保费支付设备可以是PC，也可以是智能手机、平板电脑、电子书阅读器、MP3（Moving Picture Experts Group Audio Layer III，动态影像专家压缩标准音频层面3）播放器、MP4（Moving Picture Experts Group Audio Layer IV，动态影像专家压缩标准音频层面3）播放器、便携计算机等终端设备。
如图5所示，该保费支付设备可以包括：处理器1001，例如CPU，用户接口1003，存储器1005，通信总线1002。其中，通信总线1002用于实现这些组件之间的连接通信。用户接口1003可以包括显示屏（Display）、输入单元比如键盘（Keyboard），可选用户接口1003还可以包括标准的有线接口、无线接口。存储器1005可以是高速RAM存储器，也可以是稳定的存储器（non-volatile memory），例如磁盘存储器。存储器1005可选的还可以是独立于前述处理器1001的存储装置。
可选地，该保费支付设备还可以包括网络接口、摄像头、RF（Radio Frequency，射频）电路，传感器、音频电路、WiFi模块等等。网络接口可选的可以包括标准的有线接口、无线接口（如WI-FI接口）。
本领域技术人员可以理解，图5中示出的保费支付设备结构并不构成对保费支付设备的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。
如图5所示，作为一种计算机存储介质的存储器1005中可以包括操作系统和保费支付程序。其中，操作系统是管理和控制保费支付设备硬件和软件资源的程序，支持保费支付程序以及其它软件和/或程序的运行。
在图5所示的保费支付设备中，用户接口1003主要用于接收用户的操作指令，以及输出与存储器1005中存储的保费支付程序相关的提示信息，如接收用户确认扣取保费的确认指令，以及输出提示用户确认在消费积分中所扣取的保费的提示信息等；而处理器1001用于执行存储器1005中存储的保费支付程序，并实现以下步骤：
获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单；
确定所述投保单对应的保费，以及确定预设账户中可用于抵扣保费的消费积分；
获取用户用于在线支付保费的电子支付卡账户；
在所述电子支付卡账户和所述消费积分中扣取所述保费。
进一步地，所述确定所述投保单对应的保费，以及确定预设账户中可用于抵扣保费的消费积分的步骤之后，所述处理器1001还可执行所述保费支付程序，以实现以下步骤：
确定用所述消费积分抵扣所述保费的抵扣规则；
根据所述抵扣规则在所述消费积分中扣取所述保费，计算剩余待扣取的保费；
在所述电子支付卡账户中扣取所述剩余待扣取的保费。
进一步地，所述获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单的步骤之前，所述处理器1001还可执行所述保费支付程序，以实现以下步骤：
设置在所述消费积分和所述电子支付卡账户扣取所述保费的扣取比例；
基于所述扣取比例，在所述电子支付卡账户和所述消费积分中扣取所述保费。
进一步地，所述保费支付设备还包括用户接口，用于接收用户的操作指令，以及输出与存储器中存储的保费支付程序相关的提示信息；
所述获取用户用于在线支付保费的电子支付卡账户的步骤之后，所述处理器1001还可执行所述保费支付程序，以实现以下步骤：
输出提示信息，提示用户确认在所述消费积分中所扣取的保费，以及确认在所述电子支付卡账户中所扣取的保费；
当接收到用户确认扣取保费的确认指令时，在所述电子支付卡账户和所述消费积分中扣取所述保费。
进一步地，所述获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单的步骤之后，所述处理器1001还可执行所述保费支付程序，以实现以下步骤：
将所述投保单发送给用户，以供用户确认所述投保单的正确性。
本发明保费支付设备具体实施例与上述保费支付方法和装置各实施例基本相同，在此不再赘述。
本发明提供了一种计算机可读存储介质，所述计算机可读存储介质存储有一个或者多个程序，所述一个或者多个程序可被一个或者多个处理器执行，以实现以下步骤：
获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单；
确定所述投保单对应的保费，以及确定预设账户中可用于抵扣保费的消费积分；
获取用户用于在线支付保费的电子支付卡账户；
在所述电子支付卡账户和所述消费积分中扣取所述保费。
进一步地，所述确定所述投保单对应的保费，以及确定预设账户中可用于抵扣保费的消费积分的步骤之后，所述一个或者多个程序还可被所述一个或者多个处理器执行，以实现以下步骤：
确定用所述消费积分抵扣所述保费的抵扣规则；
根据所述抵扣规则在所述消费积分中扣取所述保费，计算剩余待扣取的保费；
在所述电子支付卡账户中扣取所述剩余待扣取的保费。
进一步地，所述获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单的步骤之前，所述一个或者多个程序还可被所述一个或者多个处理器执行，以实现以下步骤：
设置在所述消费积分和所述电子支付卡账户扣取所述保费的扣取比例；
基于所述扣取比例，在所述电子支付卡账户和所述消费积分中扣取所述保费。
进一步地，所述获取用户用于在线支付保费的电子支付卡账户的步骤之后，所述一个或者多个程序还可被所述一个或者多个处理器执行，以实现以下步骤：
输出提示信息，提示用户确认在所述消费积分中所扣取的保费，以及确认在所述电子支付卡账户中所扣取的保费；
当接收到用户确认扣取保费的确认指令时，在所述电子支付卡账户和所述消费积分中扣取所述保费。
进一步地，所述获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单的步骤之后，所述一个或者多个程序还可被所述一个或者多个处理器执行，以实现以下步骤：
将所述投保单发送给用户，以供用户确认所述投保单的正确性。
本发明计算机可读存储介质具体实施方式与上述保费支付方法和装置各实施例基本相同，在此不再赘述。
还需要说明的是，在本文中，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者装置不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者装置所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、物品或者装置中还存在另外的相同要素。
上述本发明实施例序号仅仅为了描述，不代表实施例的优劣。通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本发明的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质（如ROM/RAM、磁碟、光盘）中，包括若干指令用以使得一台终端设备（可以是手机，计算机，服务器，或者网络设备等）执行本发明各个实施例所述的方法。
以上仅为本发明的优选实施例，并非因此限制本发明的专利范围，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括 在本发明的专利保护范围内。

Claims (20)

  1. 一种保费支付方法，其特征在于，所述保费支付方法包括：
    获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单；
    确定所述投保单对应的保费，以及确定预设账户中可用于抵扣保费的消费积分；
    获取用户用于在线支付保费的电子支付卡账户；
    在所述电子支付卡账户和所述消费积分中扣取所述保费。
  2. 如权利要求1所述的保费支付方法，其特征在于，所述确定所述投保单对应的保费，以及确定预设账户中可用于抵扣保费的消费积分的步骤之后，还包括：
    确定用所述消费积分抵扣所述保费的抵扣规则；
    所述在所述电子支付卡账户和所述消费积分中扣取所述保费的步骤包括：
    根据所述抵扣规则在所述消费积分中扣取所述保费，计算剩余待扣取的保费；
    在所述电子支付卡账户中扣取所述剩余待扣取的保费。
  3. 如权利要求1所述的保费支付方法，其特征在于，所述获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单的步骤之前，还包括：
    设置在所述消费积分和所述电子支付卡账户扣取所述保费的扣取比例；
    所述在所述电子支付卡账户和所述消费积分中扣取所述保费的步骤包括：
    基于所述扣取比例，在所述电子支付卡账户和所述消费积分中扣取所述保费。
  4. 如权利要求1所述的保费支付方法，其特征在于，所述获取用户用于在线支付保费的电子支付卡账户的步骤之后，还包括：
    输出提示信息，提示用户确认在所述消费积分中所扣取的保费，以及确认在所述电子支付卡账户中所扣取的保费；
    当接收到用户确认扣取保费的确认指令时，执行在所述电子支付卡账户和所述消费积分中扣取所述保费的步骤。
  5. 如权利要求1所述的保费支付方法，其特征在于，所述获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单的步骤之后，还包括：
    将所述投保单发送给用户，以供用户确认所述投保单的正确性。
  6. 如权利要求2所述的保费支付方法，其特征在于，所述获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单的步骤之后，还包括：
    将所述投保单发送给用户，以供用户确认所述投保单的正确性。
  7. 一种保费支付装置，其特征在于，所述保费支付装置包括：
    生成模块，用于获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单；
    确定模块，用于确定所述投保单对应的保费，以及确定预设账户中可用于抵扣保费的消费积分；
    获取模块，用于获取用户用于在线支付保费的电子支付卡账户；
    扣取模块，用于在所述电子支付卡账户和所述消费积分中扣取所述保费。
  8. 如权利要求7所述的保费支付装置，其特征在于，所述确定模块还用于确定用所述消费积分抵扣所述保费的抵扣规则；
    所述扣取模块还用于根据所述抵扣规则在所述消费积分中扣取所述保费，计算剩余待扣取的保费；在所述电子支付卡账户中扣取所述剩余待扣取的保费。
  9. 如权利要求7所述的保费支付装置，其特征在于，所述保费支付装置还包括：
    设置模块，用于设置在所述消费积分和所述电子支付卡账户扣取所述保费的扣取比例；
    所述扣取模块还用于基于所述扣取比例，在所述电子支付卡账户和所述消费积分中扣取所述保费。
  10. 如权利要求7所述的保费支付装置，其特征在于，所述保费支付装置还包括：
    输出模块，用于输出提示信息，提示用户确认在所述消费积分中所扣取的保费，以及确认在所述电子支付卡账户中所扣取的保费；
    所述扣取模块还用于当接收到用户确认扣取保费的确认指令时，在所述电子支付卡账户和所述消费积分中扣取所述保费。
  11. 如权利要求7所述的保费支付装置，其特征在于，所述保费支付装置还包括发送模块，用于将所述投保单发送给用户，以供用户确认所述投保单的正确性。
  12. 如权利要求8所述的保费支付装置，其特征在于，所述保费支付装置还包括发送模块，用于将所述投保单发送给用户，以供用户确认所述投保单的正确性。
  13. 一种保费支付设备，其特征在于，所述保费支付设备包括处理器、存储器及通信总线；
    所述通信总线用于实现处理器和存储器之间的连接通信；
    所述处理器用于执行存储器中存储的保费支付程序，以实现以下步骤：
    获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单；
    确定所述投保单对应的保费，以及确定预设账户中可用于抵扣保费的消费积分；
    获取用户用于在线支付保费的电子支付卡账户；
    在所述电子支付卡账户和所述消费积分中扣取所述保费。
  14. 如权利要求13所述的保费支付设备，其特征在于，所述确定所述投保单对应的保费，以及确定预设账户中可用于抵扣保费的消费积分的步骤之后，所述处理器还用于执行所述保费支付程序，以实现以下步骤：
    确定用所述消费积分抵扣所述保费的抵扣规则；
    根据所述抵扣规则在所述消费积分中扣取所述保费，计算剩余待扣取的保费；
    在所述电子支付卡账户中扣取所述剩余待扣取的保费。
  15. 如权利要求13所述的保费支付设备，其特征在于，所述获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单的步骤之前，所述处理器还用于执行所述保费支付程序，以实现以下步骤：
    设置在所述消费积分和所述电子支付卡账户扣取所述保费的扣取比例；
    基于所述扣取比例，在所述电子支付卡账户和所述消费积分中扣取所述保费。
  16. 如权利要求13所述的保费支付设备，其特征在于，所述保费支付设备还包括用户接口，用于接收用户的操作指令，以及输出与存储器中存储的保费支付程序相关的提示信息；
    所述获取用户用于在线支付保费的电子支付卡账户的步骤之后，所述处理器还用于执行所述保费支付程序，以实现以下步骤：
    输出提示信息，提示用户确认在所述消费积分中所扣取的保费，以及确认在所述电子支付卡账户中所扣取的保费；
    当接收到用户确认扣取保费的确认指令时，在所述电子支付卡账户和所述消费积分中扣取所述保费。
  17. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质存储有一个或者多个程序，所述一个或者多个程序可被一个或者多个处理器执行，以实现以下步骤：
    获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单；
    确定所述投保单对应的保费，以及确定预设账户中可用于抵扣保费的消费积分；
    获取用户用于在线支付保费的电子支付卡账户；
    在所述电子支付卡账户和所述消费积分中扣取所述保费。
  18. 如权利要求17所述的计算机可读存储介质，其特征在于，所述确定所述投保单对应的保费，以及确定预设账户中可用于抵扣保费的消费积分的步骤之后，所述一个或者多个程序还可被所述一个或者多个处理器执行，以实现以下步骤：
    确定用所述消费积分抵扣所述保费的抵扣规则；
    根据所述抵扣规则在所述消费积分中扣取所述保费，计算剩余待扣取的保费；
    在所述电子支付卡账户中扣取所述剩余待扣取的保费。
  19. 如权利要求17所述的计算机可读存储介质，其特征在于，所述获取人工坐席与用户达成的投保协议，根据所述投保协议生成投保单的步骤之前，所述一个或者多个程序还可被所述一个或者多个处理器执行，以实现以下步骤：
    设置在所述消费积分和所述电子支付卡账户扣取所述保费的扣取比例；
    基于所述扣取比例，在所述电子支付卡账户和所述消费积分中扣取所述保费。
  20. 如权利要求17所述的计算机可读存储介质，其特征在于，所述获取用户用于在线支付保费的电子支付卡账户的步骤之后，所述一个或者多个程序还可被所述一个或者多个处理器执行，以实现以下步骤：
    输出提示信息，提示用户确认在所述消费积分中所扣取的保费，以及确认在所述电子支付卡账户中所扣取的保费；
    当接收到用户确认扣取保费的确认指令时，在所述电子支付卡账户和所述消费积分中扣取所述保费。
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