WO2018214404A1 - 保单信息的处理装置、方法、系统及计算机可读存储介质 - Google Patents

保单信息的处理装置、方法、系统及计算机可读存储介质 Download PDF

Info

Publication number
WO2018214404A1
WO2018214404A1 PCT/CN2017/108790 CN2017108790W WO2018214404A1 WO 2018214404 A1 WO2018214404 A1 WO 2018214404A1 CN 2017108790 W CN2017108790 W CN 2017108790W WO 2018214404 A1 WO2018214404 A1 WO 2018214404A1
Authority
WO
WIPO (PCT)
Prior art keywords
policy
information
customer
salesperson
policy information
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/CN2017/108790
Other languages
English (en)
French (fr)
Inventor
毛才斐
陈平
李小培
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
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by Ping An Technology Shenzhen Co Ltd filed Critical Ping An Technology Shenzhen Co Ltd
Publication of WO2018214404A1 publication Critical patent/WO2018214404A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Images

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

Definitions

  • the present application relates to the field of financial technologies, and in particular, to a processing device, method, system, and computer readable storage medium for policy information.
  • the customer In the prior art, the customer generally handles the auto insurance business at the counter. Before generating the auto insurance policy, the customer first needs to obtain the customer's information, including basic information (such as name, age and address, etc.) and identity information (such as ID card and driver's license). and many more). The customer may not carry the required identity information when handling the insurance. In this case, the customer cannot handle the auto insurance business. For the insurance company, the billing efficiency of the insurance processing will be low, causing the problem of customer loss.
  • basic information such as name, age and address, etc.
  • identity information such as ID card and driver's license
  • the purpose of the present application is to provide a processing device, method, system and computer readable storage medium for policy information, which aims to improve the efficiency of insurance business billing processing and reduce customer churn.
  • the present application provides a processing apparatus for policy information, the processing apparatus of the policy information comprising: a memory, a processor, a display, and policy information stored on the memory and operable on the processor
  • the processing system when the processing system of the policy information is executed by the processor, implements the following steps:
  • completion information corresponding to the policy is received within a preset time after performing the buffering operation on the policy, performing client identity verification based on the policy information and the completion information to verify the Whether the policy information and the completion information match;
  • the present application further provides a method for processing policy information, where the policy information processing method includes:
  • completion information corresponding to the policy is received within a preset time after performing the buffering operation on the policy, performing client identity verification based on the policy information and the completion information to verify the Whether the policy information and the completion information match;
  • the present application further provides a processing system for policy information, where the policy information processing system includes:
  • a generating module configured to generate a policy corresponding to the policy information after receiving the policy information of the customer and the mitigation instruction for the policy information, and perform a mitigation operation on the policy;
  • a verification module configured to perform client identity verification based on the policy information and the completion information if the completion information corresponding to the policy is received within a preset time after performing the buffering operation on the policy, Verifying that the policy information and the completion information match;
  • a completion module configured to perform customer information completion on the policy based on the completion information when the client identity is passed.
  • the present application also provides a computer readable storage medium having a processing system on which policy information is stored, the processing system of the policy information being implemented by a processor to implement the steps:
  • completion information corresponding to the policy is received within a preset time after performing the buffering operation on the policy, performing client identity verification based on the policy information and the completion information to verify the Whether the policy information and the completion information match;
  • the user in the case that the customer carries the identity information incomplete, the user can implement the scheme of delaying the user data, that is, first generating a policy according to the identity documents of the documents carried by some customers, and then limiting the time limit. The user can replenish the other identity data required for the policy within the time limit, so that the customer can still apply for the auto insurance business without carrying the required identity information, and improve the efficiency of the insurance business billing process through this scheme. To reduce customer churn.
  • FIG. 1 is a schematic diagram of a hardware architecture of an embodiment of a processing apparatus for policy information of the present application
  • FIG. 2 is a schematic flowchart of a first embodiment of a method for processing policy information according to the present application
  • FIG. 3 is a schematic flowchart of a second embodiment of a method for processing policy information according to the present application.
  • FIG. 4 is a schematic diagram of the refinement process of step S1 shown in FIG. 2.
  • the processing device 1 of the policy information is capable of automatically performing numerical calculation and/or information processing according to an instruction set or stored in advance.
  • the processing device 1 of the policy information may be a computer, a single network server, a server group composed of multiple network servers, or a cloud-based cloud composed of a large number of hosts or network servers, where the cloud computing is distributed computing.
  • a super virtual computer consisting of a group of loosely coupled computers.
  • the processing information 1 of the policy information may include, but is not limited to, the processing system 10, the memory 11, the processor 12, and the display 13 that can communicate with each other through the system bus. It should be noted that FIG. 2 only shows the processing device 1 with the policy information of the components 10-13, but it should be understood that not all of the illustrated components are required to be implemented, and more or less can be implemented instead. Component.
  • the memory 11 includes at least one type of readable storage medium including a flash memory, a hard disk, a multimedia card, a card type memory (eg, SD or DX memory, etc.), and a random access memory (RAM). , static random access memory (SRAM), read only memory (ROM), electrically erasable programmable read only memory (EEPROM), programmable read only memory (PROM), magnetic memory, magnetic disk, optical disk, and the like.
  • the memory 11 may be an internal storage unit of the processing device 1 of the policy information, such as a hard disk or memory of the processing device 1 of the policy information.
  • the memory 11 may also be an external storage device of the processing device 1 of the policy information, such as a plug-in hard disk equipped with the policy information of the policy information, and a smart memory card (Smart Media Card) , SMC), Secure Digital (SD) card, Flash Card, etc.
  • the memory 11 may also include an internal storage unit of the processing device 1 including the policy information as well as an external storage device thereof.
  • the memory 11 is generally used to store an operating system of the processing device 1 installed in the policy information and various types of application software, such as program codes of the processing system 10 of the policy information. Further, the memory 11 can also be used to temporarily store various types of data that have been output or are to be output.
  • the processor 12 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor, or other data processing chip in some embodiments.
  • the processor 12 is typically used for the overall operation of the processing device 1 that controls the policy information.
  • the processor 12 is configured to run program code or processing data stored in the memory 11, such as the processing system 10 that runs the policy information, and the like.
  • the display 13 may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, an OLED (Organic Light-Emitting Diode) touch sensor, or the like in some embodiments.
  • the display 13 is for displaying information processed in the processing device 1 of the policy information and a user interface for displaying visualization, such as a policy operation interface or the like.
  • the components 11-13 of the processing device 1 of the policy information communicate with each other through the system bus.
  • the policy information processing system 10 includes at least one computer readable instruction stored in the memory 11, the at least one computer readable instruction being executable by the processor 12 to implement the information recommendation method of various embodiments of the present application; And the at least one computer readable instruction can be classified into different logic modules according to functions implemented by the respective parts thereof.
  • the embodiment includes a generation module, a verification module, and a completion module.
  • processing system 10 of the policy information described above is executed by the processor 12 to implement the following steps:
  • Step S1 after receiving the policy information of the customer and the mitigation instruction for the policy information, generating a policy corresponding to the policy information, and performing a mitigation operation on the policy;
  • the policy information includes basic information of the customer (such as name, age, address, etc.), and may further include part of the identity information of the customer (such as an ID card or a driver's license, etc.).
  • This embodiment is directed to the fact that the customer does not carry all the required identity data when insured. Taking the customer's insurance on the counter as an example, the customer fills in the basic information on the policy operation interface, or fills in the basic information and uploads some of the identity information, click the “slowly” button on the policy operation interface to generate the policy information of the customer.
  • the corresponding policy, and the policy of the customer is postponed, and the identity information (such as a driver's license or ID card) of another part of the customer's policy after the delay is executed can be extended.
  • the customer may select the deferred payment period on the policy operation interface (for example, the customer selects the deferred payment period of 10 days or 15 days) before clicking the “slowly” button on the policy operation interface, but the deferred payment period cannot be greater than The maximum delay period for the reservation.
  • the customer's policy will be postponed according to the default deadline, or the client's policy will be postponed according to the maximum delay period.
  • Step S2 If the completion information corresponding to the policy is received within a preset time after the policy is performed, the client identity verification is performed based on the policy information and the completion information to verify the location. Whether the policy information and the completion information match;
  • the customer needs to provide the completion information corresponding to the policy within a preset time, and the completion information is another part of the identity data, and the preset time is selected by the customer. Delayed deadline.
  • the customer information authentication needs to be performed on the policy information and the completion information to avoid the customer providing the identity information of the other person or the untrue identity data.
  • a window for submitting the completion information may be provided.
  • the ocr technology may be used to identify the policy information and the completion information, such as a policy.
  • the information includes the driver's license. If the completion information includes the ID card, the uploaded driver's license and the ID card can be used to generate the scanned copy of the ID card. The scanned part is automatically trimmed and the tilt is corrected, and the file number of the driver's license subpage is identified.
  • the underwriting personnel can set the comparison point, for example, the comparison point is the avatar, the name and the ID number, or the comparison point is the name and the ID number.
  • Step S3 when the client identity verification is passed, the customer information is complemented by the policy based on the completion information.
  • the customer information is supplemented according to the completion information, for example, the policy information includes the basic information of the customer and the driver's license information, and the completion is completed.
  • the information includes the customer's ID card information, and the customer's ID card information is added to the policy, and the processing of the policy is completed.
  • the policy information and the completion information may be sent to the predetermined terminal for manual verification by the underwriting personnel. Or do other processing.
  • the change is made in the insurance application process, and the uploading time of some necessary identity data during the insurance is buffered, which can improve the customer experience and enhance the ability to collect the customer's information and materials.
  • the embodiment can implement the scheme of delaying the user data, that is, the policy is generated according to the identity data of the documents carried by some customers, and then the deadline is limited.
  • the user can replenish the other identity information required for the policy within the time limit, so that the customer can still apply for the auto insurance business without carrying the required identity information, and improve the insurance business billing through this scheme. Efficiency and reduce customer churn.
  • the method further includes:
  • step S01 statistics are collected for each salesperson's historical order quantity, and the customer credit line corresponding to each salesperson is initialized according to the counted quantity.
  • the historical order quantity of each salesperson can be counted by means of data collection and cloud computing (for example, according to the change control of the salesman's high and low points in the previous year, for calculation), for example, counting
  • the salesperson will issue the amount of the single-week or single-week order in the previous year, and initialize the customer credit limit corresponding to each salesperson according to the counted quantity.
  • the customer credit limit corresponding to the salesman refers to the overdue submission information.
  • the number of policies, the higher the sales volume of the salesperson, the higher the customer credit limit, for example, the sales credit of a salesperson is 30.
  • step S02 the number of policies for each of the salespersons that are currently overdue and the completion information is not counted.
  • Step S03 If the number of policies that fail to submit the completion information is greater than the customer credit limit corresponding to the salesperson, the customer credit limit of the salesperson is decremented, for example, the current corresponding overdue non-delivery information of a salesperson
  • the number of the customer is 35, which is greater than the customer's customer credit limit of 30, and the customer's customer credit limit is decremented according to certain rules. For example, if the number of policies that fail to submit the completion information exceeds one, the salesperson is decremented.
  • a customer credit line when the number of policies overdue for completion of the completion information is 35, the salesperson's customer credit limit is reduced to 25.
  • the salesperson's customer credit limit can be decremented in other ways (for example, if the number of policies that fail to submit completion information exceeds one, then the two customer credits of the salesperson are decremented).
  • step S04 if the completion information corresponding to the policy that fails to submit the completion information is received, the customer credit limit of the salesperson is restored.
  • the customer's customer credit limit is restored according to a certain rule, for example, when receiving a policy that the customer fails to submit the completion information overdue.
  • restore a customer credit limit of the salesperson When the number of policies that fail to submit the completion information is 35, the sales credit of the salesperson is 25 (this time the salesperson is required to make a call, etc.) The reminder of the method to remind the customer to fill in the full information as soon as possible.
  • the customer's credit limit is restored to 26, and so on. Until the salesperson's customer credit limit is restored to 30.
  • the method when the processing system 10 of the policy information is executed by the processor 12 to implement the step S1, the method further includes:
  • Step S11 after receiving the policy information of the customer and the mitigation instruction for the policy information, acquiring a policy for the custodian of the customer to perform the mitigation operation, and obtaining the policy overdue based on the current policy of performing the mitigation operation The number of policies that complete the information;
  • step S12 if the number of policies for which the completion information has not been submitted is less than or equal to the customer credit limit corresponding to the salesperson, the policy corresponding to the policy information is generated, and the policy is delayed.
  • the policy can be generated only when the number of policies that fail to submit the completion information is less than or equal to the customer credit limit corresponding to the salesperson, and the number of policies that fail to submit the completion information in the overdue period is greater than the corresponding customer of the salesperson.
  • a policy cannot be generated for a credit line, at which point the customer can replace the docked salesperson.
  • the number of policies for controlling the salesperson to fail to submit the completion information is not excessively high, so as to further control the number of the policy-paid policies corresponding to the salesperson.
  • the processing system 10 of the policy information when executed by the processor 12, the following steps are further implemented: receiving customer credit for a salesperson When requesting a quota, the request is approved by a workflow.
  • the customer credit limit of the salesperson can be adjusted according to actual needs, for example, when the salesman When the recent business volume is greatly increased, an application for increasing the customer credit limit can be proposed. For example, the salesperson can increase the number of 30 customer credit lines to 50, which can further improve the efficiency of the order.
  • the workflow is used for approval. For example, the team leader approves the approval, and the corresponding approval status is generated after the approval, and then the manager approves the approval. After the approval is passed, the customer credit limit of the salesperson is changed.
  • This embodiment combines the salesman's order quantity and the application to increase the customer credit limit to improve the flexibility of controlling the salesperson's customer credit limit.
  • FIG. 2 is a schematic flowchart of a method for processing policy information of the present application.
  • the method for processing the policy information includes the following steps:
  • Step S1 after receiving the policy information of the customer and the mitigation instruction for the policy information, generating a policy corresponding to the policy information, and performing a mitigation operation on the policy;
  • the policy information includes basic information of the customer (such as name, age, address, etc.), and may further include part of the identity information of the customer (such as an ID card or a driver's license, etc.).
  • This embodiment is directed to the fact that the customer does not carry all the required identity data when insured. Taking the customer's insurance on the counter as an example, the customer fills in the basic information on the policy operation interface, or fills in the basic information and uploads some of the identity information, click the “slowly” button on the policy operation interface to generate the policy information of the customer.
  • the corresponding policy, and the policy of the customer is postponed, and the identity information (such as a driver's license or ID card) of another part of the customer's policy after the delay is executed can be extended.
  • the customer may select the deferred payment period on the policy operation interface (for example, the customer selects the deferred payment period of 10 days or 15 days) before clicking the “slowly” button on the policy operation interface, but the deferred payment period cannot be greater than The maximum delay period for the reservation.
  • the customer's policy will be postponed according to the default deadline, or the client's policy will be postponed according to the maximum delay period.
  • Step S2 If the completion information corresponding to the policy is received within a preset time after the policy is performed, the client identity verification is performed based on the policy information and the completion information to verify the location. Whether the policy information and the completion information match;
  • the customer needs to provide the completion information corresponding to the policy within a preset time, and the completion information is another part of the identity data, and the preset time is selected by the customer. Delayed deadline.
  • the customer information authentication needs to be performed on the policy information and the completion information to avoid the customer providing the identity information of the other person or the untrue identity data.
  • a window for submitting the completion information may be provided.
  • the ocr technology may be used to identify the policy information and the completion information, such as a policy.
  • the information includes the driver's license. If the completion information includes the ID card, the uploaded driver's license and the ID card can be used to generate the scanned copy of the ID card. The scanned part is automatically trimmed and the tilt is corrected, and the file number of the driver's license subpage is identified.
  • the underwriting personnel can set the comparison point, for example, the comparison point is the avatar, the name and the ID number, or the comparison point is the name and the ID number.
  • Step S3 when the client identity verification is passed, the customer information is complemented by the policy based on the completion information.
  • the customer information is supplemented according to the completion information, for example, the policy information includes the basic information of the customer and the driver's license information, and the completion is completed.
  • the information includes the customer's ID card information, and the customer's ID card information is added to the policy, and the processing of the policy is completed.
  • the policy information and the completion information may be sent to the predetermined terminal for manual verification by the underwriting personnel. Or do other processing.
  • the change is made in the insurance application process, and the uploading time of some necessary identity data during the insurance is buffered, which can improve the customer experience and enhance the ability to collect the customer's information and materials.
  • the embodiment can implement the scheme of delaying the user data, that is, the policy is generated according to the identity data of the documents carried by some customers, and then the deadline is limited.
  • the user can replenish the other identity information required for the policy within the time limit, so that the customer can still apply for the auto insurance business without carrying the required identity information, and improve the insurance business billing through this scheme. Efficiency and reduce customer churn.
  • the method further includes:
  • step S01 statistics are collected for each salesperson's historical order quantity, and the customer credit line corresponding to each salesperson is initialized according to the counted quantity.
  • the historical order quantity of each salesperson can be counted by means of data collection and cloud computing (for example, according to the change control of the salesman's high and low points in the previous year, for calculation), for example, counting
  • the salesperson will issue the amount of the single-week or single-week order in the previous year, and initialize the customer credit limit corresponding to each salesperson according to the counted quantity.
  • the customer credit limit corresponding to the salesman refers to the overdue submission information.
  • the number of policies, the higher the sales volume of the salesperson, the higher the customer credit limit, for example, the sales credit of a salesperson is 30.
  • step S02 the number of policies for each of the salespersons that are currently overdue and the completion information is not counted.
  • Step S03 If the number of policies that fail to submit the completion information is greater than the customer credit limit corresponding to the salesperson, the customer credit limit of the salesperson is decremented, for example, the current corresponding overdue non-delivery information of a salesperson
  • the number of the customer is 35, which is greater than the customer's customer credit limit of 30, and the customer's customer credit limit is decremented according to certain rules. For example, if the number of policies that fail to submit the completion information exceeds one, the salesperson is decremented. a customer credit line, when over When the number of policies for which the completion information was not submitted was 35, the sales credit of the salesperson's customer was reduced to 25.
  • the salesperson's customer credit limit can be decremented in other ways (for example, if the number of policies that fail to submit completion information exceeds one, then the two customer credits of the salesperson are decremented).
  • step S04 if the completion information corresponding to the policy that fails to submit the completion information is received, the customer credit limit of the salesperson is restored.
  • the customer's customer credit limit is restored according to a certain rule, for example, when receiving a policy that the customer fails to submit the completion information overdue.
  • restore a customer credit limit of the salesperson When the number of policies that fail to submit the completion information is 35, the sales credit of the salesperson is 25 (this time the salesperson is required to make a call, etc.) The reminder of the method to remind the customer to fill in the full information as soon as possible.
  • the customer's credit limit is restored to 26, and so on. Until the salesperson's customer credit limit is restored to 30.
  • the step S1 includes:
  • Step S11 after receiving the policy information of the customer and the mitigation instruction for the policy information, acquiring a policy for the custodian of the customer to perform the mitigation operation, and obtaining the policy overdue based on the current policy of performing the mitigation operation The number of policies that complete the information;
  • step S12 if the number of policies for which the completion information has not been submitted is less than or equal to the customer credit limit corresponding to the salesperson, the policy corresponding to the policy information is generated, and the policy is delayed.
  • the policy can be generated only when the number of policies that fail to submit the completion information is less than or equal to the customer credit limit corresponding to the salesperson, and the number of policies that fail to submit the completion information in the overdue period is greater than the corresponding customer of the salesperson.
  • a policy cannot be generated for a credit line, at which point the customer can replace the docked salesperson.
  • the number of policies for controlling the salesperson to fail to submit the completion information is not excessively high, so as to further control the number of the policy-paid policies corresponding to the salesperson.
  • the method for processing policy information further includes: when receiving a request for increasing a customer credit limit for a salesperson, using a workflow Request for approval.
  • the customer credit limit of the salesperson can be adjusted according to actual needs. For example, when the salesperson's recent business volume is greatly increased, an application for increasing the customer credit limit may be proposed. For example, the salesperson may increase the application by 30 customer credit lines to 50, this can further improve the efficiency of the order.
  • the workflow is used for approval. For example, the team leader approves the approval, and the corresponding approval status is generated after the approval, and then the manager approves the approval. After the approval is passed, the customer credit limit of the salesperson is changed. This embodiment combines the salesman's order quantity and the application to increase the customer credit limit to improve the flexibility of controlling the salesperson's customer credit limit.
  • the present application also provides a computer readable storage medium, the processing system for storing policy information on the computer readable storage medium, the step of implementing the processing method of the policy information described above when the processing system of the policy information is executed by the processor .
  • the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better.
  • Implementation Based on such understanding, the technical solution of the present application, 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,
  • the optical disc includes a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods described in various embodiments of the present application.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

一种保单信息的处理装置（1）、方法、系统及可读计算机存储介质，保单信息的处理装置（1）包括：存储器（11）、处理器（12）、显示器（13）及存储在存储器（11）上并可在处理器（12）上运行的保单信息的处理系统（10），保单信息的处理系统（10）被处理器（12）执行时实现如下步骤：在接收到客户的保单信息及针对保单信息的缓交指令后，生成保单信息对应的保单，并对保单执行缓交操作；若在对保单执行缓交操作后的预设时间内接收到保单对应的补全信息，则基于保单信息及补全信息进行客户身份验证，以验证保单信息及补全信息是否相符；在客户身份验证通过时，基于补全信息对保单进行客户信息补全。能够提高保险业务出单处理的效率，减少客户流失。

Description

保单信息的处理装置、方法、系统及计算机可读存储介质
优先权申明
本申请基于巴黎公约申明享有2017年05月22日递交的申请号为CN2017103655812、名称为“保单信息的处理装置、方法及计算机可读存储介质”中国专利申请的优先权，该中国专利申请的整体内容以参考的方式结合在本申请中。
技术领域
本申请涉及金融技术领域，尤其涉及一种保单信息的处理装置、方法、系统及计算机可读存储介质。
背景技术
近年来金融业务处于快速发展阶段，人们的保险意识也越来越强，对于保险公司而言，处理的保单量数量十分巨大，甚至达到平均每天保单量为100万份。
现有技术中，客户一般在柜面办理车险业务，在生成车险保单之前，首先要获取客户的信息，包括基本信息(例如姓名、年龄及住址等等)及身份资料(例如身份证、驾驶证等等)。客户在办理保险时可能没有携带完所需的身份资料，这种情况下客户无法办理车险业务，对于保险公司来说，会使得保险办理的出单效率低，造成客户流失的问题。
发明内容
本申请的目的在于提供一种保单信息的处理装置、方法、系统及计算机可读存储介质，旨在提高保险业务出单处理的效率，减少客户流失。
为实现上述目的，本申请提供一种保单信息的处理装置，所述保单信息的处理装置包括：存储器、处理器、显示器及存储在所述存储器上并可在所述处理器上运行的保单信息的处理系统，所述保单信息的处理系统被所述处理器执行时实现如下步骤：
S1，在接收到客户的保单信息及针对所述保单信息的缓交指令后，生成所述保单信息对应的保单，并对所述保单执行缓交操作；
S2，若在对所述保单执行缓交操作后的预设时间内接收到所述保单对应的补全信息，则基于所述保单信息及所述补全信息进行客户身份验证，以验证所述保单信息及所述补全信息是否相符；
S3，在客户身份验证通过时，基于所述补全信息对所述保单进行客户信息补全。
为实现上述目的，本申请还提供一种保单信息的处理方法，所述保单信息的处理方法包括：
S1，在接收到客户的保单信息及针对所述保单信息的缓交指令后，生成所述保单信息对应的保单，并对所述保单执行缓交操作；
S2，若在对所述保单执行缓交操作后的预设时间内接收到所述保单对应的补全信息，则基于所述保单信息及所述补全信息进行客户身份验证，以验证所述保单信息及所述补全信息是否相符；
S3，在客户身份验证通过时，基于所述补全信息对所述保单进行客户信息补全。
为实现上述目的，本申请还提供一种保单信息的处理系统，所述保单信息的处理系统包括：
生成模块，用于在接收到客户的保单信息及针对所述保单信息的缓交指令后，生成所述保单信息对应的保单，并对所述保单执行缓交操作；
验证模块，用于若在对所述保单执行缓交操作后的预设时间内接收到所述保单对应的补全信息，则基于所述保单信息及所述补全信息进行客户身份验证，以验证所述保单信息及所述补全信息是否相符；
补全模块，用于在客户身份验证通过时，基于所述补全信息对所述保单进行客户信息补全。
本申请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上存储有保单信息的处理系统，所述保单信息的处理系统被处理器执行时实现步骤：
S1，在接收到客户的保单信息及针对所述保单信息的缓交指令后，生成所述保单信息对应的保单，并对所述保单执行缓交操作；
S2，若在对所述保单执行缓交操作后的预设时间内接收到所述保单对应的补全信息，则基于所述保单信息及所述补全信息进行客户身份验证，以验证所述保单信息及所述补全信息是否相符；
S3，在客户身份验证通过时，基于所述补全信息对所述保单进行客户信息补全。
本申请的有益效果是：本申请在客户携带身份资料不全的情况下，可以实行用户资料缓交的方案，即先根据一些客户携带在身边的证件等身份资料生成保单，然后限定一定的期限，用户在该期限内补交完保单所需要的其他身份资料即可，使得客户在没有携带完所需的身份资料的情况下仍可以办理车险业务，通过这种方案提高保险业务出单处理的效率，减少客户流失。
附图说明
图1为本申请保单信息的处理装置一实施例的硬件架构的示意图；
图2为本申请保单信息的处理方法第一实施例的流程示意图；
图3为本申请保单信息的处理方法第二实施例的流程示意图；
图4为图2所示步骤S1的细化流程示意图。
具体实施方式
为了使本申请的目的、技术方案及优点更加清楚明白，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用以解释本申请，并不用于限定本申请。基于本申请中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本申请保护的范围。
需要说明的是，在本申请中涉及“第一”、“第二”等的描述仅用于描述目的，而不能理解为指示或暗示其相对重要性或者隐含指明所指示的技术特征的数量。由此，限定有“第一”、“第二”的特征可以明示或者隐含地包括至少一个该特征。另外，各个实施例之间的技术方案可以相互结合，但是必须是以本领域普通技术人员能够实现为基础，当技术方案的结合出现相互矛盾或无法实现时应当认为这种技术方案的结合不存在，也不在本申请要求的保护范围之内。
参阅图1，保单信息的处理装置1一可选的硬件架构的示意图，所述保单信息的处理装置1是一种能够按照事先设定或者存储的指令，自动进行数值计算和/或信息处理的设备。所述保单信息的处理装置1可以是计算机、也可以是单个网络服务器、多个网络服务器组成的服务器组或者基于云计算的由大量主机或者网络服务器构成的云，其中云计算是分布式计算的一种，由一群松散耦合的计算机集组成的一个超级虚拟计算机。
本实施例中，保单信息的处理装置1可包括，但不仅限于，可通过系统总线相互通信连接保单信息的处理系统10、存储器11、处理器12、显示器13。需要指出的是，图2仅示出了具有组件10-13的保单信息的处理装置1，但是应理解的是，并不要求实施所有示出的组件，可以替代的实施更多或者更少的组件。
其中，所述存储器11至少包括一种类型的可读存储介质，所述可读存储介质包括闪存、硬盘、多媒体卡、卡型存储器(例如，SD或DX存储器等)、随机访问存储器(RAM)、静态随机访问存储器(SRAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、可编程只读存储器(PROM)、磁性存储器、磁盘、光盘等。在一些实施例中，所述存储器11可以是所述保单信息的处理装置1的内部存储单元，例如该保单信息的处理装置1的硬盘或内存。在另一些实施例中，所述存储器11也可以是所述保单信息的处理装置1的外部存储设备，例如该保单信息的处理装置1上配备的插接式硬盘，智能存储卡(Smart Media Card,SMC)，安全数字(Secure Digital,SD)卡，闪存卡(Flash Card)等。当然，所述存储器11还可以既包括所述保单信息的处理装置1的内部存储单元也包括其外部存储设备。本实施例中，所述存储器11通常用于存储安装于所述保单信息的处理装置1的操作系统和各类应用软件，例如所述保单信息的处理系统10的程序代码等。此外，所述存储器11还可以用于暂时地存储已经输出或者将要输出的各类数据。
所述处理器12在一些实施例中可以是中央处理器(Central Processing Unit，CPU)、控制器、微控制器、微处理器、或其他数据处理芯片。该处理器12通常用于控制所述保单信息的处理装置1的总体操作。本实施例中，所述处理器12用于运行所述存储器11中存储的程序代码或者处理数据，例如运行所述保单信息的处理系统10等。
显示器13在一些实施例中可以是LED显示器、液晶显示器、触控式液晶显示器以及OLED(Organic Light-Emitting Diode，有机发光二极管)触摸器等。显示器13用于显示在保单信息的处理装置1中处理的信息以及用于显示可视化的用户界面，例如保单操作界面等。保单信息的处理装置1的部件11-13通过系统总线相互通信。
所述保单信息的处理系统10包括至少一个存储在存储器11中的计算机可读指令，该至少一个计算机可读指令可被处理器器12执行，以实现本申请各实施例的信息推荐的方法；以及，该至少一个计算机可读指令依据其各部分所实现的功能不同，可被划为不同的逻辑模块，本实施例包括生成模块、验证模块及补全模块。
其中，上述保单信息的处理系统10被所述处理器12执行时实现如下步骤：
步骤S1，在接收到客户的保单信息及针对所述保单信息的缓交指令后，生成所述保单信息对应的保单，并对所述保单执行缓交操作；
本实施例中，保单信息包括客户的基本信息(例如姓名、年龄及住址等等)，还可以进一步包括客户的部分身份资料(例如身份证或驾驶证等等)。本实施例针对客户在投保时未携带完所需的全部身份资料而言。以客户在柜面上投保为例，客户在保单操作界面上填写基本信息，或者填写基本信息及上传部分身份资料后，点击保单操作界面上的“缓交”按钮，生成该客户的该保单信息对应的保单，并对该客户的该保单执行缓交，执行缓交后该客户的该保单中的另一部分的身份资料(例如驾驶证或身份证)可以执行缓交。
进一步地，客户在点击保单操作界面上的“缓交”按钮之前，可以在保单操作界面上选择缓交期限(例如客户选择的缓交期限为10天或15天)，但缓交期限不能大于预定的最大缓交期限。当然，若客户未选择缓交期限，则按照默认的期限对该客户的保单执行缓交，或者按照最大缓交期限对该客户的保单执行缓交。
步骤S2，若在对所述保单执行缓交操作后的预设时间内接收到所述保单对应的补全信息，则基于所述保单信息及所述补全信息进行客户身份验证，以验证所述保单信息及所述补全信息是否相符；
本实施例中，在客户的保单执行缓交后，在预设时间内客户需要提供保单对应的补全信息，该补全信息即为另一部分的身份资料，该预设时间即为客户选择的缓交期限。客户在预设时间内提供保单对应的补全信息后，需要对保单信息及补全信息进行客户身份验证，以避免客户提供他人的身份资料或者不真实的身份资料。
具体地，可以提供专门供提交补全信息的窗口，在客户提供保单对应的补全信息后，为了减少人工审核以提高工作效率，可利用ocr技术对保单信息及补全信息进行识别，例如保单信息包括驾驶证，补全信息包括身份证，则可以利用ocr技术将上传后的驾驶证及身份证生成证件扫描件，对扫描件自动裁边及修正倾斜，识别驾驶证副页的档案编号，识别头像，识别文字信息等，最后将两者的头像进行比对，将文字信息部分进行比对等，进行客户身份验证；此外，还将保单信息中客户的基本信息与识别出来的文字信息进行比对，以验证保单信息及补全信息是否相符。
在实际操作过程中，核保人员可以设置比对点，例如比对点为头像、姓名及身份证号码，或者比对点为姓名及身份证号码等。
步骤S3，在客户身份验证通过时，基于所述补全信息对所述保单进行客户信息补全。
在客户身份验证通过时，即该保单的保单信息及补全信息相符一致的情况下，基于补全信息对保单进行客户信息补全，例如保单信息包括客户的基本信息及驾驶证信息，补全信息包括客户的身份证信息，则将客户的身份证信息补充至该保单中，至此，该保单的处理完成。
优选地，在客户身份验证未通过时，即该保单的保单信息及补全信息不相符一致的情况下，可以将保单信息及补全信息发送给预定的终端上，供核保人员人工进行核对或做其他处理。
本实施例在投保流程上进行变更，对投保时一些必要的身份资料的上传时间进行缓冲，能够提高客户体验，并增强收集客户的信息资料的能力。
与现有技术相比，本实施例在客户携带身份资料不全的情况下，可以实行用户资料缓交的方案，即先根据一些客户携带在身边的证件等身份资料生成保单，然后限定一定的期限，用户在该期限内补交完保单所需要的其他身份资料即可，使得客户在没有携带完所需的身份资料的情况下仍可以办理车险业务，通过这种方案提高保险业务出单处理的效率，减少客户流失。
在一优选的实施例中，若在实行资料缓交方案的情况下，需要对每个业务员对应的缓交的保单的数量进行控制，以防止过多保单由于客户最终没补全所需的资料而导致保单失效的情况。在上述图1实施例的基础上，在保单信息的处理系统10被所述处理12器执行实现所述步骤S1之前，还包括：
步骤S01，对每一业务员的历史出单量进行统计，根据所统计的出单量初始化每一业务员对应的客户信用额度。具体地，可以通过数据采集及云计算(例如根据上年度该业务员出单的高点和低点进行变化控制，以进行计算)的方式统计每一业务员的历史出单量，例如统计该业务员上年度双周出单量或者单周出单量，根据所统计的出单量初始化每一业务员对应的客户信用额度，业务员对应的客户信用额度指的是逾期未递交补全信息的保单的数量，业务员的出单量越高则对应的客户信用额度也越高，例如某一业务员的客户信用额度为30个。
步骤S02，统计每一业务员当前对应的逾期未递交补全信息的保单的数量。
步骤S03，若逾期未递交补全信息的保单的数量大于该业务员对应的客户信用额度，则递减该业务员的客户信用额度，例如某一业务员当前对应的逾期未递交补全信息的保单的数量为35个，大于该业务员的客户信用额度30个，则按照一定的规则递减该业务员的客户信用额度，例如逾期未递交补全信息的保单的数量超出一个，则递减该业务员的一个客户信用额度，当逾期未递交补全信息的保单的数量为35个时，该业务员的客户信用额度递减为25个。当然还可以按照其他的方式递减该业务员的客户信用额度(例如逾期未递交补全信息的保单的数量超出一个则递减该业务员的两个客户信用额度)。
步骤S04，若接收到逾期未递交补全信息的保单对应的补全信息时，则恢复该业务员的客户信用额度。当接收到客户逾期未递交补全信息的保单对应的补全信息后，则按照一定的规则恢复该业务员的客户信用额度，例如，当接收到一个客户逾期未递交补全信息的保单对应的补全信息后，恢复该业务员的一个客户信用额度，当逾期未递交补全信息的保单的数量为35个，该业务员的客户信用额度为25个(此时需要业务员做出电话等方式的跟催，以提醒客户尽快递交补全信息)，当接收到一个客户逾期未递交补全信息的保单对应的补全信息后，恢复该业务员的客户信用额度为26个，以此类推，直至恢复至该业务员的客户信用额度30个。
在一优选的实施例中，在上述的实施例的基础上，所述保单信息的处理系统10被所述处理器12执行实现所述步骤S1时，进一步包括：
步骤S11，在接收到客户的保单信息及针对所述保单信息的缓交指令后，获取所述客户对接的业务员当前执行缓交操作的保单，基于当前执行缓交操作的保单获取逾期未递交补全信息的保单的数量；
步骤S12，若逾期未递交补全信息的保单的数量小于等于该业务员对应的客户信用额度，则生成所述保单信息对应的保单，并对所述保单执行缓交操作。
本实施例仅在逾期未递交补全信息的保单的数量小于等于该业务员对应的客户信用额度时，才可生成保单，在逾期未递交补全信息的保单的数量大于该业务员对应的客户信用额度时不能生成保单，此时客户可更换对接的业务员。本实施例控制该业务员逾期未递交补全信息的保单的数量不会过高，以进一步控制业务员对应的缓交的保单的数量。
在一优选的实施例中，在上述的实施例的基础上，所述保单信息的处理系统10被所述处理器12执行时，还实现如下步骤：在接收到针对一业务员的提高客户信用额度的请求时，采用工作流的方式对该请求进行审批。
本实施例可以根据实际需要调整业务员的客户信用额度，例如当业务员 最近的业务量大幅度增加时，可以提出提高客户信用额度的申请，例如业务员可以由30个客户信用额度申请提高至50个，这样能够进一步提高出单的效率。在审批针对一业务员的提高客户信用额度的请求时，采用工作流的方式进行审批，例如先由组长审批，审批后生成对应的审批状态，然后由经理审批，审批后生成对应的审批状态，审批通过后，变更该业务员的客户信用额度。本实施例结合业务员的出单量及申请提高客户信用额度两种方式，以提高控制业务员的客户信用额度的灵活度。
如图2所示，图2为本申请保单信息的处理方法一实施例的流程示意图，该保单信息的处理方法包括以下步骤：
步骤S1，在接收到客户的保单信息及针对所述保单信息的缓交指令后，生成所述保单信息对应的保单，并对所述保单执行缓交操作；
本实施例中，保单信息包括客户的基本信息(例如姓名、年龄及住址等等)，还可以进一步包括客户的部分身份资料(例如身份证或驾驶证等等)。本实施例针对客户在投保时未携带完所需的全部身份资料而言。以客户在柜面上投保为例，客户在保单操作界面上填写基本信息，或者填写基本信息及上传部分身份资料后，点击保单操作界面上的“缓交”按钮，生成该客户的该保单信息对应的保单，并对该客户的该保单执行缓交，执行缓交后该客户的该保单中的另一部分的身份资料(例如驾驶证或身份证)可以执行缓交。
进一步地，客户在点击保单操作界面上的“缓交”按钮之前，可以在保单操作界面上选择缓交期限(例如客户选择的缓交期限为10天或15天)，但缓交期限不能大于预定的最大缓交期限。当然，若客户未选择缓交期限，则按照默认的期限对该客户的保单执行缓交，或者按照最大缓交期限对该客户的保单执行缓交。
步骤S2，若在对所述保单执行缓交操作后的预设时间内接收到所述保单对应的补全信息，则基于所述保单信息及所述补全信息进行客户身份验证，以验证所述保单信息及所述补全信息是否相符；
本实施例中，在客户的保单执行缓交后，在预设时间内客户需要提供保单对应的补全信息，该补全信息即为另一部分的身份资料，该预设时间即为客户选择的缓交期限。客户在预设时间内提供保单对应的补全信息后，需要对保单信息及补全信息进行客户身份验证，以避免客户提供他人的身份资料或者不真实的身份资料。
具体地，可以提供专门供提交补全信息的窗口，在客户提供保单对应的补全信息后，为了减少人工审核以提高工作效率，可利用ocr技术对保单信息及补全信息进行识别，例如保单信息包括驾驶证，补全信息包括身份证，则可以利用ocr技术将上传后的驾驶证及身份证生成证件扫描件，对扫描件自动裁边及修正倾斜，识别驾驶证副页的档案编号，识别头像，识别文字信息等，最后将两者的头像进行比对，将文字信息部分进行比对等，进行客户身份验证；此外，还将保单信息中客户的基本信息与识别出来的文字信息进 行比对，以验证保单信息及补全信息是否相符。
在实际操作过程中，核保人员可以设置比对点，例如比对点为头像、姓名及身份证号码，或者比对点为姓名及身份证号码等。
步骤S3，在客户身份验证通过时，基于所述补全信息对所述保单进行客户信息补全。
在客户身份验证通过时，即该保单的保单信息及补全信息相符一致的情况下，基于补全信息对保单进行客户信息补全，例如保单信息包括客户的基本信息及驾驶证信息，补全信息包括客户的身份证信息，则将客户的身份证信息补充至该保单中，至此，该保单的处理完成。
优选地，在客户身份验证未通过时，即该保单的保单信息及补全信息不相符一致的情况下，可以将保单信息及补全信息发送给预定的终端上，供核保人员人工进行核对或做其他处理。
本实施例在投保流程上进行变更，对投保时一些必要的身份资料的上传时间进行缓冲，能够提高客户体验，并增强收集客户的信息资料的能力。
与现有技术相比，本实施例在客户携带身份资料不全的情况下，可以实行用户资料缓交的方案，即先根据一些客户携带在身边的证件等身份资料生成保单，然后限定一定的期限，用户在该期限内补交完保单所需要的其他身份资料即可，使得客户在没有携带完所需的身份资料的情况下仍可以办理车险业务，通过这种方案提高保险业务出单处理的效率，减少客户流失。
在一优选的实施例中，若在实行资料缓交方案的情况下，需要对每个业务员对应的缓交的保单的数量进行控制，以防止过多保单由于客户最终没补全所需的资料而导致保单失效的情况。如图3所示，在上述图2的实施例的基础上，所述步骤S1之前还包括：
步骤S01，对每一业务员的历史出单量进行统计，根据所统计的出单量初始化每一业务员对应的客户信用额度。具体地，可以通过数据采集及云计算(例如根据上年度该业务员出单的高点和低点进行变化控制，以进行计算)的方式统计每一业务员的历史出单量，例如统计该业务员上年度双周出单量或者单周出单量，根据所统计的出单量初始化每一业务员对应的客户信用额度，业务员对应的客户信用额度指的是逾期未递交补全信息的保单的数量，业务员的出单量越高则对应的客户信用额度也越高，例如某一业务员的客户信用额度为30个。
步骤S02，统计每一业务员当前对应的逾期未递交补全信息的保单的数量。
步骤S03，若逾期未递交补全信息的保单的数量大于该业务员对应的客户信用额度，则递减该业务员的客户信用额度，例如某一业务员当前对应的逾期未递交补全信息的保单的数量为35个，大于该业务员的客户信用额度30个，则按照一定的规则递减该业务员的客户信用额度，例如逾期未递交补全信息的保单的数量超出一个，则递减该业务员的一个客户信用额度，当逾 期未递交补全信息的保单的数量为35个时，该业务员的客户信用额度递减为25个。当然还可以按照其他的方式递减该业务员的客户信用额度(例如逾期未递交补全信息的保单的数量超出一个则递减该业务员的两个客户信用额度)。
步骤S04，若接收到逾期未递交补全信息的保单对应的补全信息时，则恢复该业务员的客户信用额度。当接收到客户逾期未递交补全信息的保单对应的补全信息后，则按照一定的规则恢复该业务员的客户信用额度，例如，当接收到一个客户逾期未递交补全信息的保单对应的补全信息后，恢复该业务员的一个客户信用额度，当逾期未递交补全信息的保单的数量为35个，该业务员的客户信用额度为25个(此时需要业务员做出电话等方式的跟催，以提醒客户尽快递交补全信息)，当接收到一个客户逾期未递交补全信息的保单对应的补全信息后，恢复该业务员的客户信用额度为26个，以此类推，直至恢复至该业务员的客户信用额度30个。
在一优选的实施例中，如图4所示，在上述图3的实施例的基础上，所述步骤S1包括：
步骤S11，在接收到客户的保单信息及针对所述保单信息的缓交指令后，获取所述客户对接的业务员当前执行缓交操作的保单，基于当前执行缓交操作的保单获取逾期未递交补全信息的保单的数量；
步骤S12，若逾期未递交补全信息的保单的数量小于等于该业务员对应的客户信用额度，则生成所述保单信息对应的保单，并对所述保单执行缓交操作。
本实施例仅在逾期未递交补全信息的保单的数量小于等于该业务员对应的客户信用额度时，才可生成保单，在逾期未递交补全信息的保单的数量大于该业务员对应的客户信用额度时不能生成保单，此时客户可更换对接的业务员。本实施例控制该业务员逾期未递交补全信息的保单的数量不会过高，以进一步控制业务员对应的缓交的保单的数量。
在一优选的实施例中，在上述的实施例的基础上，所述保单信息的处理方法还包括：在接收到针对一业务员的提高客户信用额度的请求时，采用工作流的方式对该请求进行审批。
本实施例可以根据实际需要调整业务员的客户信用额度，例如当业务员最近的业务量大幅度增加时，可以提出提高客户信用额度的申请，例如业务员可以由30个客户信用额度申请提高至50个，这样能够进一步提高出单的效率。在审批针对一业务员的提高客户信用额度的请求时，采用工作流的方式进行审批，例如先由组长审批，审批后生成对应的审批状态，然后由经理审批，审批后生成对应的审批状态，审批通过后，变更该业务员的客户信用额度。本实施例结合业务员的出单量及申请提高客户信用额度两种方式，以提高控制业务员的客户信用额度的灵活度。
本申请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上存储有保单信息的处理系统，所述保单信息的处理系统被处理器执行时实现上述的保单信息的处理方法的步骤。
上述本申请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，本申请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，空调器，或者网络设备等)执行本申请各个实施例所述的方法。
以上仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是利用本申请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，均同理包括在本申请的专利保护范围内。

Claims (20)

  1. 一种保单信息的处理装置，其特征在于，所述保单信息的处理装置包括：存储器、处理器、显示器及存储在所述存储器上并可在所述处理器上运行的保单信息的处理系统，所述保单信息的处理系统被所述处理器执行时实现如下步骤：
    S1，在接收到客户的保单信息及针对所述保单信息的缓交指令后，生成所述保单信息对应的保单，并对所述保单执行缓交操作；
    S2，若在对所述保单执行缓交操作后的预设时间内接收到所述保单对应的补全信息，则基于所述保单信息及所述补全信息进行客户身份验证，以验证所述保单信息及所述补全信息是否相符；
    S3，在客户身份验证通过时，基于所述补全信息对所述保单进行客户信息补全。
  2. 根据权利要求1所述的保单信息的处理装置，其特征在于，所述保单信息的处理系统被所述处理器执行实现所述步骤S2之后，还包括：
    在客户身份验证未通过时，将所述保单信息及对应的补全信息发送至预定的终端，以进行人工审核。
  3. 根据权利要求1或2所述的保单信息的处理装置，其特征在于，所述保单信息的处理系统被所述处理器执行实现所述步骤S1之前，还包括：
    S01，对每一业务员的历史出单量进行统计，根据所统计的出单量初始化每一业务员对应的客户信用额度；
    S02，统计每一业务员当前对应的逾期未递交补全信息的保单的数量；
    S03，若逾期未递交补全信息的保单的数量大于该业务员对应的客户信用额度，则递减该业务员的客户信用额度；
    S04，若接收到逾期未递交补全信息的保单对应的补全信息时，则恢复该业务员的客户信用额度。
  4. 根据权利要求3所述的保单信息的处理装置，其特征在于，所述保单信息的处理系统被所述处理器执行实现所述步骤S1时，进一步包括：
    S11，在接收到客户的保单信息及针对所述保单信息的缓交指令后，获取所述客户对接的业务员当前执行缓交操作的保单，基于当前执行缓交操作的保单获取逾期未递交补全信息的保单的数量；
    S12，若逾期未递交补全信息的保单的数量小于等于该业务员对应的客户信用额度，则生成所述保单信息对应的保单，并对所述保单执行缓交操作。
  5. 根据权利要求3所述的保单信息的处理装置，其特征在于，所述保单信息的处理系统被所述处理器执行时，还实现如下步骤：
    在接收到针对一业务员的提高客户信用额度的请求时，采用工作流的方式对该请求进行审批。
  6. 一种保单信息的处理方法，其特征在于，所述保单信息的处理方法包括：
    S1，在接收到客户的保单信息及针对所述保单信息的缓交指令后，生成所述保单信息对应的保单，并对所述保单执行缓交操作；
    S2，若在对所述保单执行缓交操作后的预设时间内接收到所述保单对应的补全信息，则基于所述保单信息及所述补全信息进行客户身份验证，以验证所述保单信息及所述补全信息是否相符；
    S3，在客户身份验证通过时，基于所述补全信息对所述保单进行客户信息补全。
  7. 根据权利要求6所述的保单信息的处理方法，其特征在于，所述步骤S2之后还包括：
    在客户身份验证未通过时，将所述保单信息及对应的补全信息发送至预定的终端，以进行人工审核。
  8. 根据权利要求6或7所述的保单信息的处理方法，其特征在于，所述步骤S1之前还包括：
    S01，对每一业务员的历史出单量进行统计，根据所统计的出单量初始化每一业务员对应的客户信用额度；
    S02，统计每一业务员当前对应的逾期未递交补全信息的保单的数量；
    S03，若逾期未递交补全信息的保单的数量大于该业务员对应的客户信用额度，则递减该业务员的客户信用额度；
    S04，若接收到逾期未递交补全信息的保单对应的补全信息时，则恢复该业务员的客户信用额度。
  9. 根据权利要求8所述的保单信息的处理方法，其特征在于，所述步骤S1包括：
    S11，在接收到客户的保单信息及针对所述保单信息的缓交指令后，获取所述客户对接的业务员当前执行缓交操作的保单，基于当前执行缓交操作的保单获取逾期未递交补全信息的保单的数量；
    S12，若逾期未递交补全信息的保单的数量小于等于该业务员对应的客户信用额度，则生成所述保单信息对应的保单，并对所述保单执行缓交操作。
  10. 根据权利要求8所述的保单信息的处理方法，其特征在于，还包括如下步骤：
    在接收到针对一业务员的提高客户信用额度的请求时，采用工作流的方式对该请求进行审批。
  11. 一种保单信息的处理系统，其特征在于，所述保单信息的处理系统包括：
    生成模块，用于在接收到客户的保单信息及针对所述保单信息的缓交指令后，生成所述保单信息对应的保单，并对所述保单执行缓交操作；
    验证模块，用于若在对所述保单执行缓交操作后的预设时间内接收到所述保单对应的补全信息，则基于所述保单信息及所述补全信息进行客户身份验证，以验证所述保单信息及所述补全信息是否相符；
    补全模块，用于在客户身份验证通过时，基于所述补全信息对所述保单 进行客户信息补全。
  12. 根据权利要求11所述的保单信息的处理系统，其特征在于，还包括：
    发送模块，用于在客户身份验证未通过时，将所述保单信息及对应的补全信息发送至预定的终端，以进行人工审核。
  13. 根据权利要求11或12所述的保单信息的处理系统，其特征在于，还包括：
    第一统计模块，用于对每一业务员的历史出单量进行统计，根据所统计的出单量初始化每一业务员对应的客户信用额度；
    第二统计模块，用于统计每一业务员当前对应的逾期未递交补全信息的保单的数量；
    递减模块，用于若逾期未递交补全信息的保单的数量大于该业务员对应的客户信用额度，则递减该业务员的客户信用额度；
    恢复模块，用于若接收到逾期未递交补全信息的保单对应的补全信息时，则恢复该业务员的客户信用额度。
  14. 根据权利要求13所述的保单信息的处理系统，其特征在于，所述生成模块具体用于在接收到客户的保单信息及针对所述保单信息的缓交指令后，获取所述客户对接的业务员当前执行缓交操作的保单，基于当前执行缓交操作的保单获取逾期未递交补全信息的保单的数量；若逾期未递交补全信息的保单的数量小于等于该业务员对应的客户信用额度，则生成所述保单信息对应的保单，并对所述保单执行缓交操作。
  15. 根据权利要求13所述的保单信息的处理系统，其特征在于，还包括：
    审批模块，用于在接收到针对一业务员的提高客户信用额度的请求时，采用工作流的方式对该请求进行审批。
  16. 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上存储有保单信息的处理系统，所述保单信息的处理系统被处理器执行时实现步骤：
    S1，在接收到客户的保单信息及针对所述保单信息的缓交指令后，生成所述保单信息对应的保单，并对所述保单执行缓交操作；
    S2，若在对所述保单执行缓交操作后的预设时间内接收到所述保单对应的补全信息，则基于所述保单信息及所述补全信息进行客户身份验证，以验证所述保单信息及所述补全信息是否相符；
    S3，在客户身份验证通过时，基于所述补全信息对所述保单进行客户信息补全。
  17. 根据权利要求16所述的计算机可读存储介质，其特征在于，所述保单信息的处理系统被所述处理器执行实现所述步骤S2之后，还包括：
    在客户身份验证未通过时，将所述保单信息及对应的补全信息发送至预定的终端，以进行人工审核。
  18. 根据权利要求16或17所述的计算机可读存储介质，其特征在于，所述保单信息的处理系统被所述处理器执行实现所述步骤S1之前，还包括：
    S01，对每一业务员的历史出单量进行统计，根据所统计的出单量初始化每一业务员对应的客户信用额度；
    S02，统计每一业务员当前对应的逾期未递交补全信息的保单的数量；
    S03，若逾期未递交补全信息的保单的数量大于该业务员对应的客户信用额度，则递减该业务员的客户信用额度；
    S04，若接收到逾期未递交补全信息的保单对应的补全信息时，则恢复该业务员的客户信用额度。
  19. 根据权利要求18所述的计算机可读存储介质，其特征在于，所述保单信息的处理系统被所述处理器执行实现所述步骤S1时，进一步包括：
    S11，在接收到客户的保单信息及针对所述保单信息的缓交指令后，获取所述客户对接的业务员当前执行缓交操作的保单，基于当前执行缓交操作的保单获取逾期未递交补全信息的保单的数量；
    S12，若逾期未递交补全信息的保单的数量小于等于该业务员对应的客户信用额度，则生成所述保单信息对应的保单，并对所述保单执行缓交操作。
  20. 根据权利要求18所述的计算机可读存储介质，其特征在于，所述保单信息的处理系统被所述处理器执行时，还实现如下步骤：
    在接收到针对一业务员的提高客户信用额度的请求时，采用工作流的方式对该请求进行审批。
PCT/CN2017/108790 2017-05-22 2017-10-31 保单信息的处理装置、方法、系统及计算机可读存储介质 Ceased WO2018214404A1 (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201710365581.2 2017-05-22
CN201710365581.2A CN107679991A (zh) 2017-05-22 2017-05-22 保单信息的处理装置、方法及计算机可读存储介质

Publications (1)

Publication Number Publication Date
WO2018214404A1 true WO2018214404A1 (zh) 2018-11-29

Family

ID=61133602

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2017/108790 Ceased WO2018214404A1 (zh) 2017-05-22 2017-10-31 保单信息的处理装置、方法、系统及计算机可读存储介质

Country Status (2)

Country Link
CN (1) CN107679991A (zh)
WO (1) WO2018214404A1 (zh)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109801156A (zh) * 2018-12-18 2019-05-24 深圳市佰仟金融服务有限公司 一种放贷风险管控方法及放贷风险管控设备
CN111309749A (zh) * 2020-03-12 2020-06-19 泰康保险集团股份有限公司 一种保单信息的处理方法及装置、设备、介质

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109377397A (zh) * 2018-11-07 2019-02-22 中国平安财产保险股份有限公司 保险业务单审核方法、装置、计算机设备和存储介质
CN109767362A (zh) * 2019-01-11 2019-05-17 深圳讼融通网络科技有限公司 保函生成方法、担保平台、保函生成系统及可读存储介质
CN109978257A (zh) * 2019-03-25 2019-07-05 上海赢科信息技术有限公司 车险的续保预测方法及系统

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101261714A (zh) * 2008-04-17 2008-09-10 四川倍斯特保险代理有限公司 面向消费者的自助式保险服务售购信息的处理方法及系统
CN101354767A (zh) * 2007-07-27 2009-01-28 周家民 保险网络销售系统
CN104182916A (zh) * 2014-08-31 2014-12-03 上海报春通信科技有限公司 一种航班延误保险的主动理赔服务系统
CN106127587A (zh) * 2016-06-24 2016-11-16 焦文华 自助保险方法及适用于该方法的保险自助柜员机

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106447581A (zh) * 2016-10-31 2017-02-22 广东云顺通科技信息有限公司 一种交通事故自行协商快速处理系统及其方法

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101354767A (zh) * 2007-07-27 2009-01-28 周家民 保险网络销售系统
CN101261714A (zh) * 2008-04-17 2008-09-10 四川倍斯特保险代理有限公司 面向消费者的自助式保险服务售购信息的处理方法及系统
CN104182916A (zh) * 2014-08-31 2014-12-03 上海报春通信科技有限公司 一种航班延误保险的主动理赔服务系统
CN106127587A (zh) * 2016-06-24 2016-11-16 焦文华 自助保险方法及适用于该方法的保险自助柜员机

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN109801156A (zh) * 2018-12-18 2019-05-24 深圳市佰仟金融服务有限公司 一种放贷风险管控方法及放贷风险管控设备
CN111309749A (zh) * 2020-03-12 2020-06-19 泰康保险集团股份有限公司 一种保单信息的处理方法及装置、设备、介质
CN111309749B (zh) * 2020-03-12 2023-09-12 泰康保险集团股份有限公司 一种保单信息的处理方法及装置、设备、介质

Also Published As

Publication number Publication date
CN107679991A (zh) 2018-02-09

Similar Documents

Publication Publication Date Title
US20230116345A1 (en) Systems and methods for enterprise wide risk assessment and aggregated risk analysis
US9407655B2 (en) Monitoring security risks to enterprise corresponding to access rights and access risk calculation
WO2018214404A1 (zh) 保单信息的处理装置、方法、系统及计算机可读存储介质
WO2019019636A1 (zh) 用户身份识别方法、电子装置及计算机可读存储介质
CN107871280A (zh) 贷款管理方法、应用服务器及计算机存储介质
CN108022080A (zh) 一种申诉处理方法及相关设备
US11869072B2 (en) System for facilitating mobile home purchase transactions
WO2018223941A1 (zh) 多保险产品出单的装置、方法及计算机可读存储介质
WO2019169763A1 (zh) 电子装置、业务系统风险控制方法及存储介质
CN112200673A (zh) 一种非现金行权的方法、装置、设备及可读存储介质
WO2019085357A1 (zh) 电子装置、调整供应商的方法、系统及存储介质
US20240386494A1 (en) Blockchain-Enabled Electronic Futures Trading System with Optional Computerized Delivery of Cryptocurrency
US10692139B2 (en) System, method, and non-transitory computer-readable storage media for applying for a credit card
US20170024695A1 (en) System and method for systematic presentation and ordering of documents based on triggers
US20210241370A1 (en) System and method for financial services for abstraction of economies of scale for small businesses
CN110020795A (zh) 用于基金收益发放风险控制的方法及装置
CN115115443A (zh) 保单补录方法、装置、电子设备和存储介质
US9928549B2 (en) Methods and systems for expedited trading account funding
WO2019019748A1 (zh) 年金业务处理方法、系统、服务器和存储介质
CN111461824B (zh) 界面展示方法、电子装置及计算机可读存储介质
US20230316243A1 (en) Graphical user interfaces for consolidated account creation and account funding in digital systems
CN112541827A (zh) 一种投资金额智能配置方法和装置
WO2018228002A1 (zh) 录单装置、方法、系统及计算机可读存储介质
US9208527B2 (en) General ledger (GL) journal delete/accounting line reversal web service
US9525687B2 (en) Template for customer attributes

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 17910784

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205 DATED 27/02/2020)

122 Ep: pct application non-entry in european phase

Ref document number: 17910784

Country of ref document: EP

Kind code of ref document: A1