WO2018205791A1 - 处理投保单的方法、存储介质、终端设备及装置 - Google Patents

处理投保单的方法、存储介质、终端设备及装置 Download PDF

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Publication number
WO2018205791A1
WO2018205791A1 PCT/CN2018/082619 CN2018082619W WO2018205791A1 WO 2018205791 A1 WO2018205791 A1 WO 2018205791A1 CN 2018082619 W CN2018082619 W CN 2018082619W WO 2018205791 A1 WO2018205791 A1 WO 2018205791A1
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Prior art keywords
underwriting
policy
insurance
content
call
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English (en)
French (fr)
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郭健
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Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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    • 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

Definitions

  • the present application relates to the field of the Internet, and in particular, to a method for processing an insurance policy, a computer readable storage medium, a terminal device and a device.
  • the insured person needs to fill in the insurance policy before purchasing the insurance policy.
  • the insurance policy includes the personal situation of the insured and the types of insurance to be purchased.
  • the insurance company needs to carry out a series of treatments based on the insurance policy, such as quality control and underwriting of the insurance policy, and generate a policy.
  • the policy can be used both as an insurance contract and as an invoice to purchase insurance.
  • quality control is to ensure the accuracy and completeness of the contents and format of the policy through control measures, timely discover the wrong policy information, and prevent the wrong policy from being sent to the policyholder.
  • Underwriting refers to the review of insurance coverage, and different insurance conditions are given according to different risk categories of the subject matter.
  • the processing flow of the insurance policy is generally first quality control, and then manual underwriting
  • the manual underwriting method is mainly the letter underwriting, that is, the underwriters issue relevant paper letters (for example, physical examination) , financial and health questionnaires, etc.) to the policyholders for information collection, due to the long period of paper letter delivery and feedback, resulting in low efficiency of the application of insurance policies.
  • the embodiment of the present application provides a method for processing a policy, a computer readable storage medium, a terminal device, and a device, to solve the problem of low efficiency of processing a policy in the prior art.
  • a first aspect of the embodiments of the present application provides a method for processing an insurance policy, comprising: establishing an interface with a telephone platform; receiving an insurance policy, and if the insurance policy meets a preset condition, logging in to the telephone platform through the interface to apply The underwriting service is received; the underwriting content is received, the underwriting content is generated according to the underwriting call; the policy is generated according to the underwriting content, and the policy is quality-controlled; after the quality control is passed, the policy is printed.
  • a second aspect of embodiments of the present application provides a computer readable storage medium storing computer readable instructions that, when executed by a processor, implement an embodiment as in the present application The first step of the method of processing a policy.
  • a third aspect of an embodiment of the present application provides a terminal device including a memory, a processor, and computer readable instructions stored in the memory and executable on the processor, the processor executing the computer
  • the steps of the method of processing the insurance policy as set forth in the first aspect of the embodiments of the present application are implemented when the instructions are readable.
  • a fourth aspect of the embodiments of the present application provides an apparatus for processing an insurance policy, comprising: an establishing module, configured to establish an interface with a telephone platform; and a first receiving module, configured to receive an insurance policy, if the insurance policy meets the pre-payment If the condition is set, the phone platform is registered through the interface to apply for the underwriting call; the second receiving module is configured to receive the underwriting content, the underwriting content is generated according to the underwriting call; and the generating module is configured to generate the content according to the underwriting content.
  • Warranty and quality control of the policy print module for printing the policy after passing quality control.
  • the telephone platform is connected to the processing system through the corresponding interface, and the telephone call is used for the underwriting.
  • the processing efficiency of the insurance policy is improved.
  • the prior art first performs quality control, and then performs underwriting, and the processing flow is long.
  • the embodiment of the present application can perform underwriting first, and then, after the underwriting content is submitted to the processing system, quality control is performed at the same time of underwriting. , which further shortens the processing time of the policy.
  • FIG. 1 is a flowchart of a method for processing an insurance policy provided by an embodiment of the present application
  • FIG. 2 is a flowchart of a method for processing an application form according to a preferred embodiment of the present application
  • FIG. 3 is a structural block diagram of an apparatus for processing an application form according to an embodiment of the present application.
  • FIG. 1 is a flowchart of a method for processing an application form according to an embodiment of the present application. As shown in FIG. 1 , the method includes steps S110 to S150.
  • Step S110 establishing an interface with the telephone platform.
  • the execution body of the embodiment of the present application may be a processing system for insuring a policy, and the underwriters process the insurance policy through the processing system, and by establishing an interface between the processing system and the telephone platform, the processing system to the telephone platform can be realized.
  • Switch that is, click on the dial in the processing system and then make a call directly through the handset or headset.
  • this advantage eliminates the need for manual dialing of numbers in the system, which improves efficiency and avoids dialing errors; on the other hand, it is possible to eliminate the need to disclose the user's phone number, ie, the underwriter clicks on the call. After the button, the background dialing operation, then the insurer can not see the user's phone number on the stage, which can further protect the user's privacy.
  • step S120 the insurance policy is received. If the insurance policy meets the preset condition, the phone platform is registered through the interface to apply for the underwriting call.
  • the insurance policy will record the personal situation of the insured and the types of insurance to be purchased. According to the contents of the insurance policy, it can be judged whether the insurance policy meets the preset conditions.
  • the preset conditions may include the insurance policy and the delivery rule. For example, if the insured person is an adult but purchases a child insurance policy for a group of 0 to 18 years old, it does not meet the insurance policy; if the insured person is insured for a short period of time, it does not meet the rules for sending nuclear.
  • the core sending rule may be read first, and if the insurance policy does not comply with the sending rule, the phone platform is registered through the interface, and the record does not comply with the sending rule.
  • the sending rule can be limited by the number of times of sending the core and the process of sending the core. For example, if the number of times of sending the core exceeds the preset number, the rule of sending is not met, or the sending process does not conform to the preset process, and the rule of sending is not met. Judging whether the compliance with the delivery rule can be completed by the processing system or manually. For example, the system reads the information in the preset field, and judges whether the insurance policy conforms to the delivery rule according to the information in the field, and if not, automatically records; or the underwriter checks the delivery process of the display when reviewing the insurance policy, Determine whether the rules for delivery are met. If not, the processing system records under the operation of the underwriter.
  • a policy that does not meet the rules for sending nuclear can also be considered as meeting the pre-set conditions, because the rules for submitting are not a matter of principle and can be resolved in other ways in the future. Therefore, starting the processing of the policy as soon as possible can improve the efficiency of processing.
  • the embodiment of the present application further includes the following steps:
  • Step 1 Determine the type of insurance policy for the insurance policy.
  • the types of insurance can include child insurance, pension insurance, maternity insurance, and medical insurance. Different types of insurance can correspond to different identifiers, or different types of information in the type field, such as child insurance corresponding to 1, maternity insurance corresponding 2, and so on.
  • Step 2 Read the field corresponding to the type of insurance.
  • a correspondence relation table may be stored, and each information in the type field and corresponding different fields are recorded.
  • the type field records 1 when the age field is involved the type field records 2 when the gender field is involved, and the like.
  • Step 3 Determine whether the field meets the field condition corresponding to the insurance type.
  • the field condition can be: only the number can be written in the field indicating the age, and the number is less than or equal to 18; in the maternity insurance, the field condition can be: must be 0 (in this embodiment, 0 can be preset) Female, 1 male).
  • Step 4 If the field does not meet the field condition, the policy is filtered.
  • the system can query the salesperson corresponding to the insurance policy, and send a message to remind the corresponding salesperson that the policy has been filtered, so that the salesperson can make corresponding instructions to the applicant to improve the user experience. If necessary, the salesperson can also recommend other insurance products that meet the insurance rules to the policyholder.
  • Step 5 If the field meets the field condition, it is determined that the application form meets the preset condition.
  • the next operation can be performed according to a preset process.
  • the telephone platform in the embodiment of the present application may be implemented by a fixed telephone or by a network telephone.
  • the underwriter can call and insure. People communicate. Further, the system can record the content of the call when the underwriting call is made through the telephone platform.
  • Step S130 receiving the underwriting content, and the underwriting content is generated according to the underwriting call.
  • the underwriter After the underwriter collects the information from the insured through the underwriting call, the insurer completes the underwriting content (for example, it can be a “Certificate of Insured by Phone Underwriting”). After completion, the underwriting content is uploaded to the processing system. After the underwriter uploads The processing system can receive the underwriting content.
  • Each insurance policy corresponds to a nuclear insurance content, and the insurance policy and underwriting content can be linked by the same number.
  • the underwriting call cannot be reached, in order to continue the process, you can re-enable the call or switch to another mode of underwriting.
  • it can be determined whether the underwriting call is connected, and if it is connected, receiving the underwriting content generated according to the underwriting call, if not, re-applying for the underwriting call, or applying The letter is underwritten and receives the underwriting content generated by the letter underwriting.
  • the initial underwriting call fails to be connected, you can set to re-apply for the underwriting call immediately, or re-apply for the underwriting call after a preset time interval (for example, 30 minutes), if multiple (for example, 3) underwriting calls are made. If you are unable to connect, you can consider sending the information you need to the insured and waiting for the respondent's reply by other means, such as by letter guarantee, that is, by means of a paper letter.
  • the above method not only hopes to contact the policyholder as soon as possible through the underwriting call, but also can not be completed through the paper letter guarantee processing process.
  • the underwriting call cannot be made.
  • the letter can only be directly underwritten.
  • the policy does not meet the preset conditions, the letter is underwritten. And generate underwriting protection based on the letter underwriting. This kind of processing can guarantee the comprehensiveness of this processing method, and it will not be able to continue the processing flow because the card is in this link.
  • Step S140 generating a policy according to the underwriting content, and performing quality control on the policy.
  • the corresponding policy After receiving the underwriting content, the corresponding policy can be generated according to the underwriting content.
  • the policy In order to control the risk, the policy will be quality-controlled before the policy is issued to the underwriter, for example, by a specific algorithm, the policy is verified. Whether the values and symbols in the requirements meet the requirements.
  • step S150 after passing the quality control, the policy is printed.
  • the system can generate a policy document, call the print program, and start the printer to print the policy.
  • the policy can be used as the insured's insurance certificate and can be delivered to the policyholder after printing.
  • the telephone platform is connected to the processing system through the corresponding interface, and the telephone call is used for the underwriting.
  • the processing efficiency of the insurance policy is improved.
  • the prior art first performs quality control, and then performs underwriting, and the processing flow is long.
  • the embodiment of the present application can perform underwriting first, and then, after the underwriting content is submitted to the processing system, quality control is performed at the same time of underwriting. , which further shortens the processing time of the policy.
  • FIG. 2 is a flowchart of a method for processing an application form according to a preferred embodiment of the present application. As shown in FIG. 2, the method includes steps S201 to S210.
  • step S201 the insurance policy is read.
  • the insurance policy can be uploaded directly to the processing system by the salesperson or uploaded to other systems and then pushed to the processing system.
  • the uploaded information may be a picture of the insurance policy, which is identified by the system, or may be the entered insurance policy information, the insurance policy information is stored in a preset location, and the processing system can read through a preset path.
  • step S202 it is determined whether the underwriting call condition is met. If yes, step S203 is performed; if not, step S206 is performed.
  • the underwriting call can be performed, and if there is no record, the letter is underwritten.
  • step S203 the application for the underwriting call is applied.
  • the processing system calls the phone number in the background to dial, and the processing system only displays that the phone is being connected, but does not display the number to protect the user's privacy as much as possible.
  • step S204 it is determined whether the underwriting call is successful. If yes, step S205 is performed; if not, step S203 or step S206 is performed.
  • the underwriting call is unsuccessful, you can continue to apply for the underwriting call next time, or perform the letter underwriting. In the embodiment of the present application, if the underwriting call is not successful, you can reapply for the underwriting call after 30 minutes, if the core is 3 times. If the call is not successful, then the letter is underwritten.
  • Step S205 receiving the underwriting content generated according to the underwriting call.
  • the processing system can receive the underwriting content immediately.
  • step S206 the underwriting status is set as the letter underwriting.
  • the staff member After the processing system sets the status as the letter underwriting, the staff member sends a questionnaire to the applicant through a paper letter to obtain the corresponding information, and the system opens the corresponding authority, allowing the staff to subsequently write the underwriting content.
  • Step S207 reading the underwriting content collected according to the letter underwriting.
  • the written underwriting content is stored in a preset location, and the contents of the purging package can be read according to the corresponding path.
  • step S208 a policy is generated.
  • the processing system writes the corresponding content in a preset format according to the underwriting content, and generates a policy.
  • Step S209 underwriting.
  • the processing system changes the status to underwriting, ie the insurance company is committed to fulfilling the policy.
  • step S210 the policy is printed.
  • the printed policy can be sent to the policyholder.
  • the underwriting content can be quickly obtained through the underwriting call, and the quality control is performed at the same time as the underwriting, the processing efficiency of the insurance policy is improved, and the processing time is shortened.
  • FIG. 3 is a structural block diagram of an apparatus for processing an application form according to an embodiment of the present application.
  • the device includes an establishing module 310 and a first receiving module 320.
  • the setup module 310 is used to establish an interface with the telephony platform.
  • the first receiving module 320 is configured to receive the insurance policy, and if the insurance policy meets the preset condition, log in to the telephone platform through the interface to apply for the underwriting call.
  • the second receiving module 320 is configured to receive the underwriting content, and the underwriting content is generated according to the underwriting call.
  • the generating module 330 is configured to generate a policy according to the underwriting content and perform quality control on the policy.
  • the printing module 340 is used to print the policy after passing the quality control.
  • the device further comprises: a first determining module, configured to determine whether the underwriting call is connected, and if the call is closed, receiving the underwriting content, if not, re-applying for the underwriting call, or applying for a letter Underwriting and receiving the underwriting content generated by the letter underwriting.
  • a first determining module configured to determine whether the underwriting call is connected, and if the call is closed, receiving the underwriting content, if not, re-applying for the underwriting call, or applying for a letter Underwriting and receiving the underwriting content generated by the letter underwriting.
  • the device further includes: a second determining module, configured to determine a type of insurance for the insurance policy; a first reading module, configured to read a field corresponding to the type of insurance; and a third determining module, configured to determine whether the field is insured The field condition corresponding to the type, if the field does not meet the field condition, the policy is filtered; if the field meets the field condition, it is determined that the policy is in compliance with the preset condition.
  • a second determining module configured to determine a type of insurance for the insurance policy
  • a first reading module configured to read a field corresponding to the type of insurance
  • a third determining module configured to determine whether the field is insured The field condition corresponding to the type, if the field does not meet the field condition, the policy is filtered; if the field meets the field condition, it is determined that the policy is in compliance with the preset condition.
  • the device further includes: a second reading module, configured to read the core sending rule; and a recording module, configured to log in to the phone platform through the interface when the insurance policy does not comply with the sending rule, and record the non-compliant nuclear delivery rule .
  • a second reading module configured to read the core sending rule
  • a recording module configured to log in to the phone platform through the interface when the insurance policy does not comply with the sending rule, and record the non-compliant nuclear delivery rule .
  • the device further comprises: a letter underwriting module, configured to select the letter underwriting in the underwriting mode when the insurance policy does not meet the preset condition, and receive the underwriting content generated according to the letter underwriting.
  • a letter underwriting module configured to select the letter underwriting in the underwriting mode when the insurance policy does not meet the preset condition, and receive the underwriting content generated according to the letter underwriting.
  • the telephone platform is connected to the processing system through the corresponding interface, and the telephone call is used for the underwriting.
  • the processing efficiency of the insurance policy is improved.
  • the prior art first performs quality control, and then performs underwriting, and the processing flow is long.
  • the embodiment of the present application can perform underwriting first, and then, after the underwriting content is submitted to the processing system, quality control is performed at the same time of underwriting. , which further shortens the processing time of the policy.
  • the embodiment of the present application further provides a computer readable storage medium storing computer readable instructions, which are executed by a processor to implement any one as shown in FIG. 1 or FIG. The steps of a method of processing a policy.
  • the embodiment of the present application further provides a terminal device, including a memory, a processor, and computer readable instructions stored in the memory and executable on the processor, when the processor executes the computer readable instruction
  • a terminal device including a memory, a processor, and computer readable instructions stored in the memory and executable on the processor, when the processor executes the computer readable instruction.

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Abstract

本申请提供了一种处理投保单的方法、存储介质、终端设备及装置，该方法包括：建立与电话平台之间的接口；接收投保单，若投保单符合预设条件，则通过接口登录电话平台，以申请进行核保通话；接收核保内容，核保内容是根据核保通话生成的；根据核保内容生成保单，并对保单进行质量控制；在通过质量控制之后，打印保单。本申请通过相应的接口将电话平台接入处理系统中，采用电话通话的方式进行核保，相比于现有技术中通过纸质函件的方式，提高了对投保单的处理效率。

Description

处理投保单的方法、存储介质、终端设备及装置
本申请要求于2017年5月8日提交中国专利局、申请号为201710317886.6、发明名称为“处理投保单的方法及装置”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
本申请涉及互联网领域，特别是涉及一种处理投保单的方法、计算机可读存储介质、终端设备及装置。
 背景技术
保险行业中，投保人在购买保险之前，需要先填写投保单，投保单上包括投保人的个人情况以及需要购买的险种等。保险公司在收到投保单之后，需要基于投保单进行一系列处理，例如对投保单的质控和核保等，并生成保单。保单既可以作为保险合同，也可以作为购买保险的发票。质控的目的在于通过控制措施，保证保单内容及格式的准确性和完整性，及时发现错误保单信息，杜绝将错误保单寄给投保人。核保是指审核投保情况，按标的物的不同风险类别给予不同的承保条件等。
现有技术中，对投保单的处理流程一般是先进行质控，然后进行人工核保，人工核保的方式主要是函件核保，即，核保人通过下发相关纸质函件（例如体检、财务和健康问卷等）给投保人，以进行信息收集，由于纸质函件下发和反馈的周期较长，从而导致投保单的处理效率低。
针对现有技术中投保单处理效率低的问题，目前业界没有理想的解决方式。
 技术问题
有鉴于此，本申请实施例提供了一种处理投保单的方法、计算机可读存储介质、终端设备及装置，以解决现有技术中投保单处理效率低的问题。
 技术解决方案
本申请实施例的第一方面提供了一种处理投保单的方法，包括：建立与电话平台之间的接口；接收投保单，若投保单符合预设条件，则通过接口登录电话平台，以申请进行核保通话；接收核保内容，核保内容是根据核保通话生成的；根据核保内容生成保单，并对保单进行质量控制；在通过质量控制之后，打印保单。
本申请实施例的第二方面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计算机可读指令，所述计算机可读指令被处理器执行时实现如本申请实施例的第一方面提出的处理投保单的方法的步骤。
本申请实施例的第三方面提供了一种终端设备，包括存储器、处理器以及存储在所述存储器中并可在所述处理器上运行的计算机可读指令，所述处理器执行所述计算机可读指令时实现如本申请实施例的第一方面提出的处理投保单的方法的步骤。
本申请实施例的第四方面提供了一种处理投保单的装置，包括：建立模块，用于建立与电话平台之间的接口；第一接收模块，用于接收投保单，若投保单符合预设条件，则通过接口登录电话平台，以申请进行核保通话；第二接收模块，用于接收核保内容，核保内容是根据核保通话生成的；生成模块，用于根据核保内容生成保单，并对保单进行质量控制；打印模块，用于在通过质量控制之后，打印保单。
 有益效果
本申请实施例通过相应的接口将电话平台接入处理系统中，采用电话通话的方式进行核保，相比于现有技术中通过纸质函件的方式，提高了对投保单的处理效率。进一步地，现有技术先进行质量控制，然后进行核保，处理流程较长，本申请实施例可以先进行核保，然后等核保内容提交到处理系统之后，在核保的同时进行质控，从而进一步缩短了投保单处理时间。
 附图说明
图1是本申请实施例提供的处理投保单的方法的流程图；
图2是本申请优选实施例提供的处理投保单的方法的流程图；
图3是本申请实施例提供的处理投保单的装置的结构框图。
 本发明的实施方式
为了使本申请要解决的技术问题、技术方案及有益效果更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
本申请实施例提供了一种处理投保单的方法，图1是本申请实施例提供的处理投保单的方法的流程图，如图1所示，该方法包括步骤S110至步骤S150。
步骤S110，建立与电话平台之间的接口。
本申请实施例的执行主体可以是投保单的处理系统，核保人通过该处理系统对投保单进行处理，通过在该处理系统与电话平台之间建立接口，可以实现从处理系统到电话平台的切换，即，在处理系统中点击拨号，然后直接通过电话听筒或耳麦进行通话。这样的好处一方面在于免去了对着系统中的号码进行人工拨号的步骤，既提高了效率，也避免拨号错误；另一方面在于可以不用公开用户的电话号码，即，核保人点击通话按钮之后，后台进行拨号操作，那么核保人在上台页面上是看不到用户电话号码的，这样可以进一步保护用户的隐私。
步骤S120，接收投保单，若投保单符合预设条件，则通过接口登录电话平台，以申请进行核保通话。
投保单上会记录投保人的个人情况以及需要购买的险种等内容，根据投保单里的内容可以判断该投保单是否符合预设条件，预设的条件可以包括投保规则和送核规则等。例如，投保人如果是成年人，但购买适用0到18岁人群的少儿险，则不符合投保规则；如果投保人短期多次投保，则不符合送核规则。
本申请的一种优选的实现方式中，可以先读取送核规则，若投保单不符合送核规则，则通过接口登录电话平台，并记录不符合送核规则。
送核规则可以通过送核次数和送核流程等进行限定，例如送核次数超过预设次数则不符合送核规则，或者送核流程不符合预设流程则不符合送核规则。判断是否符合送核规则既可以是处理系统完成的，也可以是人工完成的。例如系统读取预设字段中的信息，根据字段中信息判断投保单是否符合送核规则，如果不符合，则自动进行记录；或者核保人在审核投保单时核对展示的送核流程，以判断是否符合送核规则，如果不符合，则处理系统在核保人的操作下进行记录。
不符合送核规则的投保单也可以被认为是符合预设条件，因为送审规则不是原则性问题，可以在后续通过其他方式解决，因此，尽快地开始投保单的处理，可以提高处理的效率。
上述处理方式均是在投保单符合投保规则的前提下执行的，如果投保单不符合投保规则，为了避免风险，不能接受该投保单，即不能进行核保。优选地，在通过接口登录电话平台之前，本申请实施例还包括以下步骤：
步骤1，判断投保单的投保类型。
投保类型可以包括少儿保险、养老保险、生育保险和医疗保险等，不同的投保类型可以对应不同的标识符，或在类型字段中对应不同的信息，例如少儿保险对应1，生育保险对应2等。
步骤2，读取投保类型对应的字段。
不同的投保类型会涉及不同的信息字段，例如少儿保险会涉及表示年龄的字段，生育保险会涉及表示性别的字段等。因此，本实施例可以存储一份对应关系表，记录着类型字段中的各信息，对应的不同的字段。例如类型字段记录1时涉及年龄字段，类型字段记录2时涉及性别字段等。
步骤3，判断字段是否符合投保类型对应的字段条件。
在少儿保险中，字段条件可以是：表示年龄的字段中只能写入数字，且数字小于等于18；在生育保险中，字段条件可以是：必须为0（本实施例中可以预设0为女性，1为男性）。
步骤4，若字段不符合字段条件，则过滤投保单。
如果上述字段条件无法符合投保类型对应的字段条件，则说明不符合投保条件。那么该保单可以被过滤。
过滤后，系统可以查询投保单对应的业务员，并发送消息提醒对应的业务员该保单已被过滤，让业务员对投保人做出相应的说明，以提高用户体验。如有必要，业务员也可以向投保人推荐其他符合投保规则的保险产品。
步骤5，若字段符合字段条件，则判定投保单符合预设条件。
对于符合预设条件的投保单，则可以按照预设的流程进行接下来的操作。
本申请实施例中的电话平台既可以是通过固定电话实现的，也可以是通过网络电话实现的，当处理系统切换到电话平台，处于核保通话的状态时，核保人可以通过电话与投保人进行沟通。进一步地，在通过电话平台进行核保通话时，系统可以对通话内容进行录音。
步骤S130，接收核保内容，核保内容是根据核保通话生成的。
核保人通过核保通话向投保人收集信息后，完成核保内容（例如可以是一份《电话核保客户告知信息》），完成后将核保内容上传至处理系统，核保人上传后，处理系统即可接收到该核保内容。每一个投保单对应一份核保内容，投保单和核保内容可以通过相同的编号建立对应关系。
如果核保通话无法接通，为了继续处理流程，可以重新进行核保通话或者换用其他核保方式。优选地，在接收核保内容之前，可以判断核保通话是否接通，若接通，则接收根据核保通话生成的核保内容，若未接通，则重新申请进行核保通话，或申请进行函件核保，并接收根据函件核保生成的核保内容。
若初次核保通话没能接通，可以设定立即重新申请核保通话，或经过预设时间间隔后（例如30分钟）重新申请核保通话，如果多次（例如3次）核保通话均无法接通，那么可以考虑通过其他方式，例如通过函件核保，即用纸质函件的方式将需要提供的信息发送给投保人并等待投保人的回复。
上述方式既希望直接通过核保通话尽快联系到投保人，同是也在实在联系不上的情况下，通过纸质函件保证处理流程可以完成。
对于有些投保单，如果没有投保人的电话号码，那么就无法进行核保通话，这样的情况只能直接进行函件核保，优选地，若投保单不符合预设条件，则进行函件核保，并根据函件核保生成核保内容。这样处理可以保证本处理方式的全面性，不会因为卡在本环节而无法继续推进处理流程。
步骤S140，根据核保内容生成保单，并对保单进行质量控制。
在接收到核保内容之后，就可以根据核保内容生成对应的保单，为了控制风险，在将保单发给核保人之前，会对该保单进行质量控制，例如通过特定的算法，校验保单中的各数值和符号等是否符合要求。
步骤S150，在通过质量控制之后，打印保单。
在通过质量控制之后，系统可以生成保单文档，调用打印程序，启动打印机打印该保单。保单可以作为投保人的投保凭证，打印后可以交付给投保人。
本申请实施例通过相应的接口将电话平台接入处理系统中，采用电话通话的方式进行核保，相比于现有技术中通过纸质函件的方式，提高了对投保单的处理效率。进一步地，现有技术先进行质量控制，然后进行核保，处理流程较长，本申请实施例可以先进行核保，然后等核保内容提交到处理系统之后，在核保的同时进行质控，从而进一步缩短了投保单处理时间。
图2是本申请优选实施例提供的处理投保单的方法的流程图，如图2所示，该方法包括步骤S201至步骤S210。
步骤S201，读取投保单。
投保单可以是业务员直接上传至处理系统中，或者上传至其他系统然后有该系统推送至处理系统的。上传的信息可能是投保单的图片，由系统进行识别，也可能是录入的投保单信息，投保单信息存储在预设的位置，处理系统可以通过预设的路径进行读取。
步骤S202，判断是否符合核保通话条件，如果是，执行步骤S203；如果否，执行步骤S206。
在本申请实施例中，如果处理系统中记录有投保人的电话号码，则可以进行核保通话，如果没有记录则进行函件核保。
步骤S203，申请核保通话。
处理系统在后台调用电话号码进行拨号，处理系统只显示电话正在接通中，但不显示号码，以尽可能保护用户隐私。
步骤S204，判断核保通话是否成功，如果是，执行步骤S205；如果否，执行步骤S203或步骤S206。
如果核保通话没有成功，可以下次继续申请核保通话，或者改为进行函件核保，本申请实施例中如果核保通话没有成功，可以30分钟后重新申请核保通话，如果3次核保通话均没有成功，则改为进行函件核保。
步骤S205，接收根据核保通话生成的核保内容。
核保人上传核保内容之后，处理系统可以即时对该核保内容进行接收。
步骤S206，将核保状态设为函件核保。
处理系统将状态设为函件核保之后，由工作人员通过纸质函件向投保人发出问卷等，从而获取相应信息，系统开放相应权限，允许工作人员后续写入核保内容。
步骤S207，读取根据函件核保收集的核保内容。
写入的核保内容会存储在预设位置，根据相应的路径即可读取该荷包内容。
步骤S208，生成保单。
处理系统根据核保内容，按预设格式写入对应内容，生成保单。
步骤S209，承保。
处理系统将状态改为承保，即保险公司承诺履行该保单。
步骤S210，打印保单。
调用打印程序，启动打印机打印该保单。打印出的保单可以寄给投保人。
通过本申请优选实施例，可以通过核保通话快速获得核保内容，并在核保的同时进行质控，提高投保单的处理效率，缩短了处理时间。
本申请实施例提供了一种处理投保单的装置，图3是本申请实施例提供的处理投保单的装置的结构框图，如图3所示，该装置包括建立模块310、第一接收模块320、第二接收模块330、生成模块340和打印模块350。
建立模块310用于建立与电话平台之间的接口。
第一接收模块320用于接收投保单，若投保单符合预设条件，则通过接口登录电话平台，以申请进行核保通话。
第二接收模块320用于接收核保内容，核保内容是根据核保通话生成的。
生成模块330用于根据核保内容生成保单，并对保单进行质量控制。
打印模块340用于在通过质量控制之后，打印保单。
优选地，该装置还包括：第一判断模块，用于判断核保通话是否接通，若接通，则接收核保内容，若未接通，则重新申请进行核保通话，或申请进行函件核保并接收根据函件核保生成的核保内容。
优选地，该装置还包括：第二判断模块，用于判断投保单的投保类型；第一读取模块，用于读取投保类型对应的字段；第三判断模块，用于判断字段是否符合投保类型对应的字段条件，若字段不符合字段条件，则过滤投保单；若字段符合字段条件，则判定投保单符合所述预设条件。
优选地，该装置还包括：第二读取模块，用于读取送核规则；记录模块，用于在投保单不符合送核规则时，通过接口登录电话平台，并记录不符合送核规则。
优选地，该装置还包括：函件核保模块，用于在投保单不符合预设条件时，在核保方式中选择函件核保，并接收根据函件核保生成的核保内容。
本申请实施例通过相应的接口将电话平台接入处理系统中，采用电话通话的方式进行核保，相比于现有技术中通过纸质函件的方式，提高了对投保单的处理效率。进一步地，现有技术先进行质量控制，然后进行核保，处理流程较长，本申请实施例可以先进行核保，然后等核保内容提交到处理系统之后，在核保的同时进行质控，从而进一步缩短了投保单处理时间。
本申请实施例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计算机可读指令，所述计算机可读指令被处理器执行时实现如图1或图2表示的任意一种处理投保单的方法的步骤。
本申请实施例还提供一种终端设备，包括存储器、处理器以及存储在所述存储器中并可在所述处理器上运行的计算机可读指令，所述处理器执行所述计算机可读指令时实现如图1或图2表示的任意一种处理投保单的方法的步骤。
以上实施例仅用以说明本申请的技术方案，而非对其限制；尽管参照前述实施例对本申请进行了详细的说明，本领域的普通技术人员应当理解：其依然可以对前述各实施例所记载的技术方案进行修改，或者对其中部分技术特征进行等同替换；而这些修改或者替换，并不使相应技术方案的本质脱离本申请实施例各实施例技术方案的精神和范围。
以上仅为本申请的较佳实施例而已，并不用以限制本申请，凡在本申请的精神和原则之内所作的任何修改、等同替换和改进等，均应包含在本申请的保护范围之内。

Claims (20)

  1. 一种处理投保单的方法，其特征在于，包括：
    建立与电话平台之间的接口；
    接收投保单，若所述投保单符合预设条件，则通过所述接口登录所述电话平台，以申请进行核保通话；
    接收核保内容，所述核保内容是根据所述核保通话生成的；
    根据所述核保内容生成保单，并对所述保单进行质量控制；
    在通过所述质量控制之后，打印所述保单。
  2. 如权利要求1所述的方法，其特征在于，在所述接收核保内容之前，包括：
    判断所述核保通话是否接通，若接通，则接收所述核保内容，若未接通，则重新申请进行核保通话，或申请进行函件核保并接收根据所述函件核保生成的核保内容。
  3. 如权利要求1所述的方法，其特征在于，在所述通过所述接口登录所述电话平台之前，还包括：
    判断所述投保单的投保类型；
    读取所述投保类型对应的字段；
    判断所述字段是否符合所述投保类型对应的字段条件；
    若所述字段不符合所述字段条件，则过滤所述投保单；
    若所述字段符合所述字段条件，则判定所述投保单符合所述预设条件。
  4. 如权利要求1所述的方法，其特征在于，在通过所述接口登录所述电话平台之前，还包括：
    读取送核规则；
    若所述投保单不符合所述送核规则，则通过所述接口登录所述电话平台，并记录不符合所述送核规则。
  5. 如权利要求1所述的方法，其特征在于，还包括：
    若所述投保单不符合所述预设条件，则在核保方式中选择函件核保，并接收根据所述函件核保生成的核保内容。
  6. 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计算机可读指令，其特征在于，所述计算机可读指令被处理器执行时实现如下步骤：
    建立与电话平台之间的接口；
    接收投保单，若所述投保单符合预设条件，则通过所述接口登录所述电话平台，以申请进行核保通话；
    接收核保内容，所述核保内容是根据所述核保通话生成的；
    根据所述核保内容生成保单，并对所述保单进行质量控制；
    在通过所述质量控制之后，打印所述保单。
  7. 如权利要求6所述的计算机可读存储介质，其特征在于，在所述接收核保内容之前，包括：
    判断所述核保通话是否接通，若接通，则接收所述核保内容，若未接通，则重新申请进行核保通话，或申请进行函件核保并接收根据所述函件核保生成的核保内容。
  8. 如权利要求6所述的计算机可读存储介质，其特征在于，在所述通过所述接口登录所述电话平台之前，还包括：
    判断所述投保单的投保类型；
    读取所述投保类型对应的字段；
    判断所述字段是否符合所述投保类型对应的字段条件；
    若所述字段不符合所述字段条件，则过滤所述投保单；
    若所述字段符合所述字段条件，则判定所述投保单符合所述预设条件。
  9. 如权利要求6所述的计算机可读存储介质，其特征在于，在通过所述接口登录所述电话平台之前，还包括：
    读取送核规则；
    若所述投保单不符合所述送核规则，则通过所述接口登录所述电话平台，并记录不符合所述送核规则。
  10. 如权利要求6所述的计算机可读存储介质，其特征在于，所述计算机可读指令被处理器执行时还实现：
    若所述投保单不符合所述预设条件，则在核保方式中选择函件核保，并接收根据所述函件核保生成的核保内容。
  11. 一种终端设备，包括存储器、处理器以及存储在所述存储器中并可在所述处理器上运行的计算机可读指令，其特征在于，所述处理器执行所述计算机可读指令时实现如下步骤：
    建立与电话平台之间的接口；
    接收投保单，若所述投保单符合预设条件，则通过所述接口登录所述电话平台，以申请进行核保通话；
    接收核保内容，所述核保内容是根据所述核保通话生成的；
    根据所述核保内容生成保单，并对所述保单进行质量控制；
    在通过所述质量控制之后，打印所述保单。
  12. 如权利要求11所述的终端设备，其特征在于，在所述接收核保内容之前，包括：
    判断所述核保通话是否接通，若接通，则接收所述核保内容，若未接通，则重新申请进行核保通话，或申请进行函件核保并接收根据所述函件核保生成的核保内容。
  13. 如权利要求11所述的终端设备，其特征在于，在所述通过所述接口登录所述电话平台之前，还包括：
    判断所述投保单的投保类型；
    读取所述投保类型对应的字段；
    判断所述字段是否符合所述投保类型对应的字段条件；
    若所述字段不符合所述字段条件，则过滤所述投保单；
    若所述字段符合所述字段条件，则判定所述投保单符合所述预设条件。
  14. 如权利要求11所述的终端设备，其特征在于，在通过所述接口登录所述电话平台之前，还包括：
    读取送核规则；
    若所述投保单不符合所述送核规则，则通过所述接口登录所述电话平台，并记录不符合所述送核规则。
  15. 如权利要求11所述的终端设备，其特征在于，所述处理器执行所述计算机可读指令时还实现：
    若所述投保单不符合所述预设条件，则在核保方式中选择函件核保，并接收根据所述函件核保生成的核保内容。
  16. 一种处理投保单的装置，其特征在于，包括：
    建立模块，用于建立与电话平台之间的接口；
    第一接收模块，用于接收投保单，若所述投保单符合预设条件，则通过所述接口登录所述电话平台，以申请进行核保通话；
    第二接收模块，用于接收核保内容，所述核保内容是根据所述核保通话生成的；
    生成模块，用于根据所述核保内容生成保单，并对所述保单进行质量控制；
    打印模块，用于在通过所述质量控制之后，打印所述保单。
  17. 如权利要求16所述的装置，其特征在于，还包括：
    第一判断模块，用于判断所述核保通话是否接通，若接通，则接收所述核保内容，若未接通，则重新申请进行核保通话，或申请进行函件核保并接收根据所述函件核保生成的核保内容。
  18. 如权利要求16所述的装置，其特征在于，还包括：
    第二判断模块，用于判断所述投保单的投保类型；
    第一读取模块，用于读取所述投保类型对应的字段；
    第三判断模块，用于判断所述字段是否符合所述投保类型对应的字段条件；若所述字段不符合所述字段条件，则过滤所述投保单；若所述字段符合所述字段条件，则判定所述投保单符合所述预设条件。
  19. 如权利要求16所述的装置，其特征在于，还包括：
    第二读取模块，用于读取送核规则；
    记录模块，用于在所述投保单不符合所述送核规则时，通过所述接口登录所述电话平台，并记录不符合所述送核规则。
  20. 如权利要求16所述的装置，其特征在于，还包括：
    函件核保模块，用于在所述投保单不符合所述预设条件时，在核保方式中选择函件核保，并接收根据所述函件核保生成的核保内容。
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