WO2018223941A1

WO2018223941A1 - Device and method for issuing multiple insurance policies and computer readable storage medium

Info

Publication number: WO2018223941A1
Application number: PCT/CN2018/089888
Authority: WO
Inventors: 李年馨; 程春霞; 杜连秋
Original assignee: 平安科技（深圳）有限公司
Priority date: 2017-06-07
Filing date: 2018-06-05
Publication date: 2018-12-13
Also published as: CN108416679B; CN108416679A

Abstract

A device and method for issuing multiple insurance policies and a computer readable storage medium. The device (1) for issuing multiple insurance policies comprises: a memory (11), a processor (12), and a system (10) for issuing multiple insurance policies, stored in the memory, and capable of running on the processor. The system (10) for issuing multiple insurance policies is executed by the processor (12) to implement the following steps: when a front end pre-defined insurance application instruction is received, obtaining a prestored insurance product list, and obtaining, on the basis of the insurance product list, at least one insurance type selected by a user (S1); after the at least one insurance type selected by the user is confirmed, traversing the insurance product list, and obtaining, on the basis of the at least one insurance type selected by the user, a quotation page template output after a back end performs data processing (S2); obtaining user information and insurance information corresponding to at least one user and entered on the quotation page template, and generating a policy on the basis of the user information, the insurance information, and the quotation page template (S3). The device improves efficiency of issuing of multiple insurance policies.

Description

Device, method and computer readable storage medium for multi-insurance product billing

This application claims priority to Chinese Patent Application No. 201710424793.3, entitled "Devices, Methods and Computer-Readable Storage Media for Multi-Insurance Product Billing", which is filed on June 7, 2017. The content is incorporated herein by reference.

Technical field

The present application relates to the field of financial technology, and in particular, to an apparatus, method, and computer readable storage medium for issuing multiple insurance products.

Background technique

At present, the industry's process for billing insurance products is generally first entered into the system, selecting insurance types in the system, then filling in customer information and making quotations, etc. Each insurance product of each customer corresponds to a policy. When a customer insures a multi-person, such as when insuring a plurality of family members, or when the customer is insuring a plurality of types of insurance, the existing billing method requires a policy on a policy basis, and some customers enter the policy. The information may be the same, so that the same information is repeatedly entered, resulting in long time-out of multi-insurance product billing, and low billing efficiency.

Summary of the invention

The purpose of the present application is to provide an apparatus, method and computer readable storage medium for multi-insurance product billing, which aims to improve the efficiency of multi-insurance product billing.

To achieve the above object, the present application provides an apparatus for billing a multi-insurance product, the apparatus for billing the multi-insurance product, comprising: a memory, a processor, and being stored on the memory and operable on the processor A multi-insurance product billing system, wherein the multi-insurance product billing system is executed by the processor to implement the following steps:

S1, when receiving the pre-defined insurance application instruction, acquiring a pre-stored insurance product list, and acquiring at least one insurance type selected by the user based on the insurance product list;

S2, after confirming the at least one insurance type selected by the user, traversing the insurance product list, and acquiring, according to at least one insurance type selected by the user, a quotation page template outputted by the back end for data processing;

S3. Acquire user information and insurance information corresponding to at least one user input on the quotation page template, and generate a policy based on the user information, the insurance information, and the quotation page template.

To achieve the above objective, the present application further provides a method for placing a multi-insurance product, and the method for issuing the multi-insurance product includes:

The present application also provides a computer readable storage medium on which a system for issuing multiple insurance products is stored, and the multi-insurance product issuing system is implemented by a processor to implement the above-mentioned multi-insurance product. The steps of the method of placing the order.

The utility model has the beneficial effects that: when the front end receives the insurance instruction, the application obtains the pre-stored insurance product list for the user to select at least one insurance type; after the user confirms the selected insurance type, traverses the insurance product list, based on the user selected At least one insurance type acquires a quotation page template outputted by the back end for data processing; the user inputs at least one user corresponding user information and insurance information on the quotation page template, and finally generates a policy. The application does not need to be operated on a policy-by-sheet policy, and the information entry operation is performed on the quotation page template, and multiple users and multiple insurance types can be insured at one time, so that the time required for the multi-insurance product business to be issued is shorter, and the multi-insurance is improved. Product business billing efficiency.

DRAWINGS

1 is a schematic diagram of a hardware architecture of an apparatus for issuing a multi-insurance product according to an embodiment of the present invention;

2 is a schematic flow chart of a method for issuing a multi-insurance product according to an embodiment of the present invention;

FIG. 3 is a schematic diagram of the refinement process of step S3 shown in FIG. 2.

detailed description

In order to make the objects, technical solutions, and advantages of the present application more comprehensible, the present application will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the application and are not intended to be limiting. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments of the present application without departing from the inventive scope are the scope of the present application.

It should be noted that the descriptions of "first", "second" and the like in the present application are for the purpose of description only, and are not to be construed as indicating or implying their relative importance or implicitly indicating the number of technical features indicated. . Thus, features defining "first" or "second" may include at least one of the features, either explicitly or implicitly. In addition, the technical solutions between the various embodiments may be combined with each other, but must be based on the realization of those skilled in the art, and when the combination of the technical solutions is contradictory or impossible to implement, it should be considered that the combination of the technical solutions does not exist. Nor is it within the scope of protection required by this application.

Referring to FIG. 1 , it is a schematic diagram of an optional hardware architecture of a device for issuing multiple insurance products according to the present application.

In this embodiment, the device 1 for issuing multiple insurance products may be a computing device such as a desktop computer, a notebook, a palmtop computer, or a server. The apparatus 1 for issuing multiple insurance products may include, but is not limited to, a system 10, a memory 11, and a processor 12 that can communicate with each other through a system bus to connect multiple insurance products. It should be noted that Figure 1 only shows the device 1 with multi-insurance product billing of components 10-12, but it should be understood that not all illustrated components are required to be implemented, alternative implementations may be more or more Less components.

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. In some embodiments, the memory 11 may be an internal storage unit of the multi-insurance product-issuing device 1, such as a hard disk or memory of the multi-insurance product-issuing device 1. In other embodiments, the memory 11 may also be an external storage device of the multi-insurance product-issuing device 1, such as a plug-in hard disk equipped with the multi-insurance product dispensing device, and a smart memory card. (Smart Media Card, SMC), Secure Digital (SD) card, Flash Card, etc. Of course, the memory 11 can also include both the internal storage unit of the device 1 in which the multi-insurance product is issued and its external storage device. In this embodiment, the memory 11 is generally used to store an operating system and various application software of the device 1 installed on the multi-insurance product, such as a program code of the system 10 for issuing the multi-insurance product. 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 to control the overall operation of the multi-insurance product dispensing device 1. In this embodiment, the processor 12 is configured to run program code or process data stored in the memory 11, such as the system 10 for running the multi-insurance product.

Wherein, when the system 10 for issuing multiple insurance products is executed by the processor 12, the following steps are implemented:

Step S1: When receiving the pre-defined insurance application instruction, obtain a pre-stored insurance product list, and obtain at least one insurance type selected by the user based on the insurance product list;

In this embodiment, the front end defines an angularJS instruction of the quotation page template page, that is, the pre-defined insurance instruction, and may provide an insurance operation interface, where the insurance operation interface includes an “insure” button, which is triggered after the user clicks the “insure” button. Insurance instructions.

The pre-stored insurance product list includes various types of insurance products, such as auto insurance and accident insurance. Each insurance product corresponds to one insurance type. Users can increase or decrease the insurance products in the insurance product list to choose their own needs. The type of insurance. After the user increases or decreases the insurance type of the insurance product list, the selected insurance type may be one type or multiple types.

Step S2, after confirming the at least one insurance type selected by the user, traversing the insurance product list, and acquiring a quotation page template outputted by the back end for data processing based on at least one insurance type selected by the user;

After selecting the insurance type in the insurance product list, the user can provide a “confirmation” button on the insurance operation interface. After clicking the “confirm” button, the user starts to traverse the insurance product list, and the insurance product list has been selected for the insurance product list. Insurance, start compiling the quotation order corresponding to the insurance type that the user has selected, and make a request to the back-end FreeMarker. The back-end FreeMarker is a template engine written in the Java language, which generates text output based on the template data. In this embodiment, the FreeMarker of the back end performs template data processing and outputs a quote page template.

For example, when the user selects the insurance type as the auto insurance and confirms it, the compiling quotation instruction corresponding to the auto insurance is started, and the FreeMarker of the back end generates the quotation page template corresponding to the auto insurance based on the template data; when the user selects the insurance type as two or two For example, when the vehicle insurance and the accident insurance are included, the FreeMarker of the back end generates a quotation page template corresponding to the automobile insurance and a quotation page template corresponding to the accident insurance. Preferably, the offer page template is a quote page template for the html page.

Step S3: Acquire user information and insurance information corresponding to at least one user input on the quotation page template, and generate a policy based on the user information, the insurance information, and the quotation page template.

In this embodiment, the user inputs the user information and the insurance information on the quotation page template, taking the automobile insurance as an example, the user information is the insured person information, including the name and age of the owner, and the insurance information includes the target, the insurance type, the insurance amount, and the like. .

In this embodiment, the information entry operation is performed on the quotation page template, and multiple users and multiple insurance types can be insured at one time, including one user insuring multiple insurance types, multiple users insuring one type of insurance, and multiple users insuring multiple types. In the case of insurance, only one operation is required, and only one policy is generated for one insurance.

In the implementation process, if a user insured a variety of insurance types, the user selects a plurality of insurance types in the insurance product list, and only inputs the user information once on the corresponding quotation page template; if multiple users apply for one type of insurance In the case of the insurance type, the user information of the corresponding plurality of users may be added to the quotation page template corresponding to the insurance type. Specifically, the quotation page template includes a button for “adding user information”, and the user may add user information of other users according to actual needs; if multiple users are insured for multiple insurance types, the above-mentioned one user is insured for multiple insurance types and Multiple users can insure two types of insurance.

Compared with the prior art, in the embodiment, when the front end receives the insurance instruction, the pre-stored insurance product list is obtained for the user to select at least one insurance type; after the user confirms the selected insurance type, the insurance product list is traversed, based on the user selection. At least one insurance type acquires a quotation page template outputted by the back end for data processing; the user inputs at least one user corresponding user information and insurance information on the quotation page template, and finally generates a policy. In this embodiment, the operation is not required to be performed on a policy-by-sheet policy, and the information entry operation is performed on the quotation page template, and multiple users and multiple insurance types can be insured at one time, so that the time required for the multi-insurance product business to be issued is shorter, and the number of times is increased. Insurance product business billing efficiency.

In a preferred embodiment, on the basis of the foregoing embodiment of FIG. 1, when the multi-insurance product billing system 10 is executed by the processor 12 to implement the step S3, the method specifically includes:

Step S31: If the same user insures at least two types of insurance, the user information is multiplexed for at least two types of insurance, and the data of the corresponding insurance type is assembled based on the multiplexed user information, the insurance information, and the quotation page template. . If the same user insures at least two types of insurance, the user information in the at least two types of insurance is the same, and the user inputs the user information only once on the corresponding quotation page template, and multiplexes the user information, that is, automatically copies The user information is in the quotation page template corresponding to the at least two types of insurance types, so that the same user information only needs to be entered once. Then, based on the multiplexed user information, the insurance information, and the quotation page template, data assembly is performed for each of the insurance types of the user.

Step S32, if at least two users insure the same type of insurance, the data of the corresponding insurance type is assembled based on the user information, the insurance information and the quotation page template corresponding to the at least two users; if at least two users are the same When the insurance type is insured, the corresponding user information of the plurality of users is added to the quotation page template corresponding to the insurance type, and the user is insured based on the added user information, the insurance information and the quotation page template of the plurality of users. Insurance for data assembly.

In step S33, a policy is generated based on the data of the assembled insurance type, and specifically, only one policy is generated.

In a preferred embodiment, based on the embodiment of FIG. 1 above, when the multi-insurance product-issuing system 10 is executed by the processor 12, the following steps are further implemented: acquiring the newly added insurance product and Record and add the newly added insurance products to the insurance product list and store them.

In this embodiment, when a new insurance product is generated, the new insurance product is recorded, including recording the name of the new insurance product and each quotation information, etc., and then adding the new insurance product to the insurance product list and storing it. For the user to make subsequent selections.

Of course, if there is an insurance product that is not used in the insurance product list, it can also be deleted to streamline the insurance product list and facilitate the user to make a selection.

As shown in FIG. 2, FIG. 2 is a schematic flow chart of a method for issuing a multi-insurance product according to an embodiment of the present invention. The method for issuing a multi-insurance product includes the following steps:

For example, when the user selects the insurance type as the auto insurance and confirms it, the compiling quotation instruction corresponding to the auto insurance is started, and the FreeMarker of the back end generates the quotation page template corresponding to the auto insurance based on the template data; when the user selects the insurance type as two or two For example, when the vehicle insurance and the accident insurance are included, the FreeMarker of the back end generates a quotation page template corresponding to the automobile insurance and a quotation page template corresponding to the accident insurance.

In this embodiment, the user inputs the user information and the insurance information on the quotation page template, taking the automobile insurance as an example, the user information is the insured person information, including the name and age of the owner, and the insurance information includes the target, the insurance type, the insured amount, and the like. .

In a preferred embodiment, as shown in FIG. 3, based on the foregoing embodiment of FIG. 2, the above step S3 includes:

In a preferred embodiment, based on the foregoing embodiment of FIG. 2, the step of performing data processing on the back end includes: the back end Freemarker creates a data model, obtains a template, and merges the template with the data model to obtain a quotation. Page template for output.

In this embodiment, the back end Freemarker is a template engine, and the back end Freemarker creates a data model (Data Model), and the data included in the data model includes: an object, a list, a character, a character string, and the like, and obtains a template (ie, The template of the parsing rules corresponding to the programming language), the template includes some html tags and the tags of the exclusive FreeMarker (the tags are replaced by specific data), and the template is merged with the data model to output a quotation page template in the form of a page, preferably, The quotation page template is the quotation page template for the html page.

In this embodiment, the quotation page template is obtained through the data processing of the back-end Freemarker. For the multi-insurance product service, the user only needs to operate once in the quotation page template, so that the time required for the multi-insurance product business to be issued is shorter, and the number of times is increased. Insurance product business billing efficiency.

In a preferred embodiment, based on the foregoing embodiment of FIG. 2, the method for issuing the multi-insurance product further includes: acquiring the newly added insurance product and recording, adding the newly added insurance product to the insurance. Stored in the product list.

The serial numbers of the embodiments of the present application are merely for the description, and do not represent the advantages and disadvantages of the embodiments.

Through the description of the above embodiments, those skilled in the art can clearly understand that 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.

The above is only a preferred embodiment of the present application, and is not intended to limit the scope of the patent application, and the equivalent structure or equivalent process transformations made by the specification and the drawings of the present application, or directly or indirectly applied to other related technical fields. The same is included in the scope of patent protection of this application.

Claims

The device for issuing multiple insurance products, characterized in that: the device for issuing multiple insurance products includes: a memory, a processor, and a multi-insurance product stored on the memory and operable on the processor The single system, when the multi-insurance product billing system is executed by the processor, implements the following steps:

S1, when receiving the pre-defined insurance application instruction, acquiring a pre-stored insurance product list, and acquiring at least one insurance type selected by the user based on the insurance product list;

S2, after confirming the at least one insurance type selected by the user, traversing the insurance product list, and acquiring, according to at least one insurance type selected by the user, a quotation page template outputted by the back end for data processing;

S3. Acquire user information and insurance information corresponding to at least one user input on the quotation page template, and generate a policy based on the user information, the insurance information, and the quotation page template.
The apparatus for billing the multi-insurance product according to claim 1, wherein when the system for issuing the multi-insurance product is executed by the processor to implement the step S3, the method specifically includes:

S31. If the same user insures at least two types of insurance, the user information is multiplexed for at least two types of insurance, and the data of the corresponding insurance type is assembled based on the multiplexed user information, the insurance information, and the quotation page template;

S32. If at least two users insured the same type of insurance, the data of the corresponding insurance type is assembled based on the user information, the insurance information, and the quotation page template corresponding to the at least two users;

S33, a policy is generated based on the data of the assembled insurance type.
The apparatus for billing a multi-insurance product according to claim 1, wherein the backend Freemarker creates a data model, acquires a template, and merges the template with the data model to obtain a quote page template for output.
The apparatus for billing a multi-insurance product according to claim 2, wherein the back end Freemarker creates a data model, acquires a template, and merges the template with the data model to obtain a quote page template for output.
The apparatus for billing a multi-insurance product according to claim 1, wherein the offer page template is a quote page template of an html page.
The apparatus for billing a multi-insurance product according to claim 2, wherein the offer page template is a quote page template of an html page.
The apparatus for billing a multi-insurance product according to claim 1 or 2, wherein when the system for issuing the multi-insurance product is executed by the processor, the following steps are further implemented:

Obtain new insurance products and record them, add the newly added insurance products to the insurance product list and store them.
A method for billing a multi-insurance product, characterized in that the method for billing the multi-insurance product comprises:

S1, when receiving the pre-defined insurance application instruction, acquiring a pre-stored insurance product list, and acquiring at least one insurance type selected by the user based on the insurance product list;

S2, after confirming the at least one insurance type selected by the user, traversing the insurance product list, and acquiring, according to at least one insurance type selected by the user, a quotation page template outputted by the back end for data processing;

S3. Acquire user information and insurance information corresponding to at least one user input on the quotation page template, and generate a policy based on the user information, the insurance information, and the quotation page template.
The method for billing a multi-insurance product according to claim 8, wherein the step S3 comprises:

S31. If the same user insures at least two types of insurance, the user information is multiplexed for at least two types of insurance, and the data of the corresponding insurance type is assembled based on the multiplexed user information, the insurance information, and the quotation page template;

S32. If at least two users insured the same type of insurance, the data of the corresponding insurance type is assembled based on the user information, the insurance information, and the quotation page template corresponding to the at least two users;

S33, a policy is generated based on the data of the assembled insurance type.
The method for billing a multi-insurance product according to claim 8, wherein the step of performing data processing on the back end comprises:

The backend Freemarker creates a data model, gets the template, and merges the template with the data model to get a quote page template for output.
The method for billing a multi-insurance product according to claim 9, wherein the step of performing data processing on the back end comprises:

The backend Freemarker creates a data model, gets the template, and merges the template with the data model to get the quote page template for output.
The method for placing a multi-insurance product according to claim 8, wherein the offer page template is a quote page template of an html page.
The method for placing a multi-insurance product according to claim 9, wherein the offer page template is a quote page template of an html page.
The method for billing a multi-insurance product according to claim 8 or 9, wherein the method for billing the multi-insurance product further comprises:

Obtain new insurance products and record them, add the newly added insurance products to the insurance product list and store them.
A computer readable storage medium, wherein the computer readable storage medium stores a system for issuing multiple insurance products, and the system for issuing the multiple insurance products is executed by the processor to implement the following steps:

S1, when receiving the pre-defined insurance application instruction, acquiring a pre-stored insurance product list, and acquiring at least one insurance type selected by the user based on the insurance product list;

S2, after confirming the at least one insurance type selected by the user, traversing the insurance product list, and acquiring a quotation page template outputted by the back end for data processing based on at least one insurance type selected by the user;

S3. Acquire user information and insurance information corresponding to at least one user input on the quotation page template, and generate a policy based on the user information, the insurance information, and the quotation page template.
The computer readable storage medium according to claim 15, wherein when the system for issuing the multi-insurance product is executed by the processor to implement the step S3, the method specifically includes:

S31. If the same user insures at least two types of insurance, the user information is multiplexed for at least two types of insurance, and the data of the corresponding insurance type is assembled based on the multiplexed user information, the insurance information, and the quotation page template;

S32. If at least two users insured the same type of insurance, the data of the corresponding insurance type is assembled based on the user information, the insurance information, and the quotation page template corresponding to the at least two users;

S33, a policy is generated based on the data of the assembled insurance type.
The computer readable storage medium of claim 15, wherein the backend Freemarker creates a data model, obtains a template, and merges the template with the data model to obtain a quote page template for output.
The computer readable storage medium of claim 16, wherein the backend Freemarker creates a data model, obtains a template, and merges the template with the data model to obtain a quote page template for output.
The computer readable storage medium according to claim 15 or 16, wherein the offer page template is a quote page template of an html page.
The computer readable storage medium according to claim 15 or 16, wherein when the system for issuing the multi-insurance product is executed by the processor, the following steps are further implemented:

Obtain new insurance products and record them, add the newly added insurance products to the insurance product list and store them.