WO2019019627A1 - 电子保单的状态查询方法、装置、用户终端及存储介质 - Google Patents

电子保单的状态查询方法、装置、用户终端及存储介质 Download PDF

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Publication number
WO2019019627A1
WO2019019627A1 PCT/CN2018/077212 CN2018077212W WO2019019627A1 WO 2019019627 A1 WO2019019627 A1 WO 2019019627A1 CN 2018077212 W CN2018077212 W CN 2018077212W WO 2019019627 A1 WO2019019627 A1 WO 2019019627A1
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Prior art keywords
state
operation flow
status
policy
subset
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PCT/CN2018/077212
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English (en)
French (fr)
Inventor
张捷
高雪
李斌
陈杰
邵正铂
马向东
丁杰
Original Assignee
平安科技（深圳）有限公司
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Priority to US16/097,992 priority Critical patent/US20210224743A1/en
Priority to SG11201809493XA priority patent/SG11201809493XA/en
Publication of WO2019019627A1 publication Critical patent/WO2019019627A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/018—Certifying business or products
    • G06Q30/0185—Product, service or business identity fraud
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/24—Querying
    • G06F16/245—Query processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/24—Querying
    • G06F16/248—Presentation of query results
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/90—Details of database functions independent of the retrieved data types
    • G06F16/903—Querying
    • G06F16/9032—Query formulation
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
    • G06K7/14—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
    • G06K7/1404—Methods for optical code recognition
    • G06K7/1439—Methods for optical code recognition including a method step for retrieval of the optical code
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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 computer technology, and in particular, to a method, device, user terminal, and storage medium for querying a status of an electronic policy.
  • a state inquiry method, apparatus, user terminal, and storage medium of an electronic policy are provided.
  • a method for querying the status of an electronic policy comprising: receiving an input policy number; when the policy number is a valid policy number, querying an initial state of the electronic policy corresponding to the policy number and an operation flow set; according to the initial state The state total set and the operation flow in the operation process set are mapped to the state of the total state set, and the state subset of the map is obtained; the initial state of the electronic policy and the obtained state subset are displayed.
  • a status inquiry device for an electronic policy comprising: a policy number receiving module, configured to receive an input policy number; and a query module, configured to query an electronic policy corresponding to the policy number when the policy number is a valid policy number
  • the initial state and the operation process set ;
  • the state acquisition module is configured to obtain a state subset of the mapping according to the state total set of the initial state and each operation flow in the operation process set, and obtain a state subset of the mapping;
  • a display module is configured to display an initial state of the electronic policy and a obtained subset of states.
  • a user terminal comprising a memory and one or more processors, wherein the memory stores computer readable instructions that, when executed by the processor, cause the one or more processors to execute The following steps: receiving the input policy number; when the policy number is a valid policy number, querying the initial state and the operation flow set of the electronic policy corresponding to the policy number; according to the state total set of the initial state Each operation flow in the operation flow set maps a state of the total state of the state, acquires a state subset of the mapping, and displays an initial state of the electronic policy and a obtained state subset. .
  • One or more non-transitory readable storage mediums storing computer readable instructions, when executed by one or more processors, cause the one or more processors to perform the steps of: receiving Entering the policy number; when the policy number is a valid policy number, querying an initial state and an operation flow set of the electronic policy corresponding to the policy number; according to the state total set in which the initial state is located and the operation flow concentration Each operation flow maps a state in the total state of the state, acquires a state subset of the mapping; and displays an initial state of the electronic policy and a obtained subset of states.
  • 1 is a flow chart of a method for querying the status of an electronic policy in an embodiment
  • FIG. 2 is a flowchart of a method for querying a status of an electronic policy in another embodiment
  • FIG. 3 is a flow chart of a method for querying the status of an electronic policy in still another embodiment
  • FIG. 4 is a block diagram showing an exemplary structure of an electronic query policy inquiring device in an embodiment
  • FIG. 5 is a block diagram showing an exemplary structure of a state inquiry device for an electronic policy in another embodiment
  • Figure 6 is a block diagram showing an exemplary structure of a user terminal in an embodiment.
  • the policy status inquiry method includes the following steps S101, S102, S103, and S104.
  • the input operation of the policy number may be performed by a user, and further, the user may be an applicant of the policy (the insured refers to the person who purchases the insurance corresponding to the policy number), It can be the insured person of the policy (the insured person refers to the beneficiary when the insurance is in the process of making claims), or it can be the employee with internal authority of the insurance company.
  • the input mode may be manually input through a touch mode of a soft keyboard, may be input by using a microphone to recognize the input voice content of the user, or may be manually input through a physical keyboard connected to the user terminal, or may be carried by scanning.
  • the barcode or QR code of the policy number information is automatically recognized as the source of the input. In the manner of the scan input, the following steps 1 and 2 are specifically included:
  • Scan a barcode or a two-dimensional code carrying the information of the policy number
  • the policy number in the barcode or QR code identified is used as the input policy number.
  • the barcode or the two-dimensional code carrying the policy number information may be a label with a barcode or a two-dimensional code affixed on a paper warranty or other object, and the label or other object passes through
  • the barcode or two-dimensional code is presented in a printed or manually drawn manner.
  • the method for determining whether the policy number is the valid policy number of the electronic policy may be: comparing the received policy number with the valid policy number of the electronic policy pre-stored in the system, if pre-stored If the valid policy number of the electronic policy has the same policy number as the received policy number, it is judged that the received policy number is the policy number of the valid electronic policy.
  • the electronic policy is different from the policy of the paper contract category, which means A policy for storing the form of the document.
  • the initial state is a state saved in advance when the electronic policy is generated, and the operation flow stores the flow of the operation when the electronic policy is subsequently changed, wherein the operation flow includes, but is not limited to, the Whether the electronic policy is paid, whether the electronic policy is changed by the insurer, whether the electronic policy is underwritten, whether the electronic policy is returned, and so on.
  • the operation manner of the operation flow in the user terminal or the server is to store a preset character indicating the operation flow.
  • the character indicating the operation flow of the payment is AA
  • the character indicating the operation flow for performing the underwriting is BB, indicating that the character indicating the returned operation flow is CC, and the operation of claim settlement.
  • the character corresponding to the process is DD. If the operation process set of the electronic policy is ⁇ AA, BB, DD ⁇ , it indicates that the electronic policy has been paid and the underwriting is still settled.
  • the state is centrally stored with all the states that an electronic policy may have, including but not limited to being an electronic policy, not an electronic policy, paid, unpaid, underwritten, nuclear Guaranteed failure, claims, unclaimed, etc.
  • a status code indicating a corresponding state is pre-set for each state, and the status code is stored in the state. The method further includes the following steps a and b:
  • a state subset of the state code of the mapping is obtained according to the state total of the state code in which the state code of the initial state is located and the state code of the operation flow in each of the operation flow sets.
  • the total concentration of the foregoing states includes "for electronic policy, not for electronic policy, paid, unpaid, underwriting, underwriting, claimable, unclaimed",
  • the status codes preset in the total state are ⁇ 01, 02, 03, 04, 05, 06, 07, 08 ⁇ , for example, the initial state of the electronic policy is an electronic policy, and the preset state corresponding to the electronic policy.
  • the code is 01, and the pre-stored operation flow set corresponding to the electronic policy is ⁇ AA, BB, DD ⁇ , and the state after the electronic policy mapping is obtained according to the preset mapping relationship AA-03, BB-05, DD-07.
  • the set is ⁇ 03, 05, 07 ⁇ , and according to the state indicated by the preset status code, it can be known that the initial state of the state corresponding to the electronic policy is an electronic policy, and the mapped state is "paid, underwriting has passed, Claimed.”
  • the usage scenario in the above step S103 is continued.
  • the usage scenario in the step S104 is to display the initial state "electronic policy” and the mapped state subset "paid, underwritten, and claimed".
  • the method further includes verifying the identity of the user having the status of viewing the policy, specifically including the following steps:
  • the pre-stored authentication method bound to the policy number includes a password
  • the received password is compared with the pre-stored password. If the comparison result is the same, the verification is successful; when the pre-stored is bound to the policy number
  • the verification method includes the identity information of the user
  • the identity information of the received user is matched with the identity information of the pre-stored user, and when the matching is successful, the verification is successful;
  • the password input by the user is verified. If the password input by the user is correct, the verification succeeds.
  • the identity information input by the user is verified. If the identity information entered by the user matches, the verification is successful.
  • the above two verification methods are pre-stored, it is necessary to simultaneously verify the password input by the user and the identity information of the user.
  • the password input by the user is correct and the identity information input by the user and the pre-stored user are When the identity information matches, the verification is successful.
  • the above-mentioned and/or relationship can be understood as: when the pre-stored password is bound to the policy number and the identity information of the user is also bound, the following steps 2 and 4 can be simultaneously and “And can be "or” at the same time. When it is "or” at the same time, if the password input by the user is received in step 2, the comparison between the received password and the pre-stored password can be performed in step 3 to determine whether to verify.
  • step 4 "When the password and/or the identity information of the user is successfully verified, it is determined that the user has the right to view the policy status corresponding to the policy number" is "When the password verification succeeds, it is determined that the user has Viewing the status of the policy status corresponding to the policy number"; if the identity information of the user is received in step 2, the comparison between the identity information of the received user and the identity information of the pre-stored user can be determined in step 3.
  • step 4 "When the above password and/or user identity information is successfully verified” in step 4 is "when the above user's identity information is verified successfully”; when understood as “ “, It indicates the need for password authentication, and user identity authentication information while the above-described steps 2 and 4" and / or “should be read as” and. "
  • the pre-stored password and the user's identity information may be stored at the local end, or may be stored in the server.
  • the pre-stored password and the user's identity information are stored in the server, the password input and/or received. After the steps of the user's identity information, it also includes:
  • the foregoing steps S102, S103 and the foregoing step 3 are performed by a server, and the step 4 further includes:
  • the user terminal displays the initial state of the received electronic policy and the acquired subset of states.
  • the form of the above password includes, but is not limited to, a pure number, a pure letter, a combination of uppercase and lowercase letters, a combination of numbers and letters, and the like.
  • the identity information of the above users includes, but is not limited to, a user's fingerprint, lip print, iris, facial features, and the like.
  • the initial state of the policy is queried according to the policy number input by the user, and according to the stored operation flow set of the policy, the subset of states belonging to the policy that are queried in the total status set is displayed, so that the user can follow the electronic policy.
  • the policy number can be used to query the initial status, intermediate status and latest status of the electronic policy, so that the user can know the status of the electronic policy in real time.
  • FIG. 2 is a flowchart of a method for querying a status of an electronic policy according to another embodiment of the present application, and a method for querying a status of an electronic policy as shown in FIG. 2, the method including the above steps including the above steps S101, S102, and S103 It also includes the steps based on:
  • step S104 is specifically step S202:
  • S202 The time created by the operation flow and the operation flow are mapped in a state corresponding to the total state of the state, and the creation time of the initial state and the initial state are displayed correspondingly.
  • the method before the step of step S104 or S202, the method further includes:
  • the state subset of the mapping is obtained according to the state of the total state set in each operation flow in the operation flow set.
  • the system uses the entered time (for example, 2017/5/10) as the initial state of the electronic policy.
  • the creation time and the time of the entry are saved in accordance with the initial state, for example, "S0:2017/5/10", where S0 represents the initial state, and when the user enters the paid information, the system will enter the time ( For example, 2017/5/12) or the time input by the user (for example, 2017/5/11) as the paid time, according to an example of the embodiment, when the payment time input by the user is received, the input payment time will be input.
  • the form of preservation is, for example, “AA:2017/5/11”, the entry time for the underwriting is 2017/5/16, and the time for the input of the vouchers is 2017/5/15.
  • the system takes the time of the underwriting of the input of the logger as the time for the underwriting to pass and stores it.
  • the saved form is, for example, “BB:2017/5/15”.
  • the system records the claim time entered by the logger as storage. Claim time, the reason The compensation time is, for example, 2017/5/31, and the saved form is, for example, "DD: 2017/5/31".
  • the pre-stored initial state of the electronic policy is created ⁇ 01:2017/5/ 10) ⁇ and the time created by each operation process is ⁇ (AA:2017/5/11), (BB:2017/5/15), (DD:2017/5/31) ⁇ , according to the operation process set ⁇ AA
  • Each of the operation flow maps in BB, DD ⁇ is mapped to the state set in the state set to ⁇ (03:2017/5/11), (05:2017/5/15), (07: 2017/5/31) ⁇ , according to an example of the embodiment, the display manner of the above step S202 is:
  • the generation time of the user policy status is obtained and displayed, so that the user can further understand the status of the electronic policy and improve the user experience.
  • FIG. 3 is a flowchart of a method for querying the status of an electronic policy according to still another embodiment of the present application, and the method for querying the status of an electronic policy as shown in FIG. 3, the method includes the above steps S101 and S102, and the foregoing steps S103 is further step S301, and the above step S104 is further step S302.
  • the state total code set according to the state code of the initial state and each operation flow in the operation flow set map the status code in the total state set, and obtain a state subset of the mapped status code.
  • the total set of states includes two, respectively, a state total set M of the electronic policy: ⁇ 01, 02, 03, 04, 05, 06, 07, 08 ⁇ and The total status of the electronic policy is N: ⁇ 21, 22, 23, 24, 25 ⁇ . If the initial status of the policy corresponding to the received policy number is 01, since 01 is in the state total set M, M can be selected as The total set of states corresponding to the received policy number. If the operation process set is ⁇ AA, BB, DD ⁇ , where AA, BB, and DD respectively represent different operation flows, and the mapping relationship between the preset operation flow set and each state in the state total set M is AA-03, BB. -05, DD-07, then the state subset in the mapped state set M is ⁇ 03, 05, 07 ⁇ .
  • the steps S101 and S302 can be performed by the user terminal, and the step S102 and the step S301 can be performed by the user terminal or by the server.
  • the step S102 and the step S301 are performed by the server, the above steps are performed.
  • the step of S101 further includes: transmitting the received policy number to the server.
  • the method further includes the step of: sending the initial state of the electronic policy corresponding to the policy number and the state corresponding to the acquired status code to the user terminal.
  • step S302 further is: displaying the initial state and the state indicated by the acquired status code in the subset of states through the display screen of the user terminal.
  • the embodiment provides a method for a user terminal or a server to implement an initial state, a state total set, a state subset, and an operation flow set involved in a state query method for storing the electronic policy by using a status code, so that the system can be conveniently Store state and process operations.
  • FIG. 4 is a block diagram showing an exemplary structure of an electronic policy status inquiring device according to an embodiment of the present application.
  • FIG. 4 is a detailed description of an electronic policy status inquiry device according to an example of the present embodiment, as shown in FIG.
  • the status inquiry device 10 of the electronic policy includes: a policy number receiving module 11 for receiving an input policy number; and an inquiry module 12, configured to query an electronic policy corresponding to the policy number when the policy number is a valid policy number
  • the initial state and the set of operation flow the state obtaining module 13 is configured to map the state subset of the map according to the state total set of the initial state and each operation flow in the operation process set to obtain a state subset of the map;
  • the status display module 14 is configured to display an initial state of the electronic policy and a obtained subset of states.
  • the status query device 10 of the electronic policy further includes: a query unit, configured to query a pre-stored password and/or identity information of the user that is bound to the policy number;
  • the receiving unit is configured to receive the input password and/or the identity information of the user, and the verification unit is configured to compare the received password with the pre-stored password when the pre-stored authentication method bound to the policy number includes a password, If the comparison result is the same, the verification is successful; when the pre-stored verification mode bound to the policy number includes the identity information of the user, the identity information of the received user is matched with the pre-stored identity information of the user, and the matching is successful. When the judgment is successful.
  • the status display module 14 is further configured to: when the password and/or the identity information of the user is successfully verified, determine that the user has a status of viewing the policy corresponding to the policy number, and then display the initial status of the electronic policy and the acquired status. Subset.
  • step 2 when the pre-stored password is bound to the policy number and the identity information of the user is also bound, the following steps 2 and 4 can be simultaneously and “And can be "or” at the same time.
  • step 3 if the password input by the user is received in step 2, the comparison between the received password and the pre-stored password can be performed in step 3 to determine whether to verify. Success, in step 4, "When the above password and/or user identity information is successfully verified” is "When the above password and verification succeeds"; if the user identity information is received in step 2, then step 3 will pass The identity information of the received user is compared with the pre-stored user identity information to determine whether the verification is successful.
  • step 4 when the password and/or the identity information of the user is successfully verified, the identity information of the user is used.
  • the verification when it is understood as “and”, it means that both the password verification and the user's identity information verification are required.
  • the "and/or" in the above steps 2 and 4 should be understood as "and”.
  • the status query device 10 of the electronic policy when the query module and the state obtaining module are included in the server, the status query device 10 of the electronic policy further includes: a sending unit included at the local end, for receiving the password and/or The user's identity information is sent to the server.
  • the state subset receiving unit included in the local end is configured to: when the password and/or the user identity information is successfully verified on the server side, determine that the user has the status of viewing the policy corresponding to the policy number, and the server will initiate the electronic policy.
  • the status and the obtained status subset are sent to the local user terminal; the policy number sending unit included in the local end is used to send the received policy number to the server.
  • the status code receiving unit included in the local end is configured to send the initial state of the electronic policy corresponding to the policy number and the status corresponding to the acquired status code to the user terminal.
  • FIG. 5 is a block diagram showing an exemplary structure of a status inquiry device for an electronic policy according to another embodiment of the present application.
  • the status inquiry device of the electronic policy includes the above-mentioned policy number receiving module.
  • the query module 12, the state obtaining module 13 and the state display module 14 are configured to store the time created by the operation flow for the operation flow in the operation flow, and the status query device 10 of the electronic policy further includes:
  • the time obtaining module 15 is configured to acquire a pre-stored creation time of the initial state of the electronic policy and a pre-stored time created by the operation flow;
  • the status display module 14 is further configured to use the time created by the operation flow and the operation flow.
  • the state corresponding to the state in the total state of the map is displayed, and the creation time of the initial state and the initial state are displayed correspondingly.
  • the status inquiry device 10 of the electronic policy further includes: a scanning module, configured to scan a barcode or a two-dimensional code carrying the policy number information; the policy number receiving module is further configured to identify the The policy number in the barcode or QR code is used as the entered policy number.
  • the status query device 10 of the electronic policy further includes: a determining module, configured to determine whether the operation flow set includes a return; the state obtaining module 13 is further configured to: when the operation flow set does not include the return, according to the operation flow
  • the operational flow maps the state in the total state set and gets a subset of the state of the map.
  • the state obtaining module 13 includes a status code acquiring unit, configured to map a status code in the total state set of the status code according to the initial state and a status code in the operation flow set to obtain a mapping.
  • the state subset of the status code; the status display module 14 is further configured to display the acquired status of the status code in the subset of states.
  • the character indicating the operation flow of the payment is AA
  • the character indicating the operation flow for performing the underwriting is BB
  • indicating that the character indicating the returned operation flow is CC
  • the operation of claim settlement is DD.
  • the operation process set of the electronic policy is ⁇ AA, BB, DD ⁇ , it indicates that the electronic policy has been paid and the underwriting is still settled.
  • the total concentration of the above states includes “as an electronic policy, not an electronic policy, paid fees, unpaid fees, underwriting has passed, underwriting has failed, claims have been settled, and no claims have been settled”. They are ⁇ 01, 02, 03, 04, 05, 06, 07, 08 ⁇ respectively.
  • the initial state of the electronic policy is an electronic policy
  • the preset status code corresponding to the electronic policy is 01
  • the electronic policy corresponds to
  • the pre-stored operation flow set is ⁇ AA, BB, DD ⁇ .
  • the state subset after the electronic policy mapping is obtained is ⁇ 03, 05, 07 ⁇ .
  • the status display module is configured to display the initial status "electronic policy” and the mapped status subset "paid, underwritten, and claimed”.
  • the system takes the entered time (for example, 2017/5/10) as the creation time of the initial state of the electronic policy and saves the entered time corresponding to the initial state, for example, the saved form is saved, for example. “S0:2017/5/10”, where S0 indicates the initial state.
  • the input payment time is, for example, 2017/5/11
  • the creation time of the operation flow corresponds to the saved form.
  • the entry time for the underwriting is 2017/5/16
  • the time for the input of the vouchers is 2017/5/15.
  • the system will enter the underwriting of the loggers.
  • the passing time is used as the time for the underwriting to pass and stored.
  • the saved form is, for example, “BB: 2017/5/15”.
  • the system uses the claim time entered by the recorder as the stored claim time.
  • the claim time is for example 2017/ 5/31
  • the saved form is, for example, "DD: 2017/5/31”.
  • each operation flow maps the mapping in the state total set to obtain the state subset as ⁇ (03:2017/5/11), (05:2017/5/15), (07:2017/5/31) ⁇ , according to an example of the present embodiment, each operation is acquired by the above-described time acquisition module 15.
  • the time created by the process and the creation time of the initial state, and the display manner of the state display module 14 is as follows:
  • the various modules in the status inquiry device of the electronic policy described above may be implemented in whole or in part by software, hardware, and combinations thereof. Each of the above modules may be embedded in the hardware in the processor in the user terminal, or may be stored in the memory in the user terminal in a software format, so that the processor calls the execution of the operations corresponding to the above modules.
  • FIG. 6 is a block diagram showing an exemplary structure of a user terminal according to an embodiment of the present application, such as the user terminal shown in FIG. 6, the user terminal including a processor connected through a system bus, a non-volatile storage medium, an internal memory, Display and input device.
  • the non-volatile storage medium of the user terminal may store an operating system and computer readable instructions, and when the computer readable instructions are executed, may cause the processor to execute an electronic policy status query method according to various embodiments of the present application.
  • the specific implementation process of the method may refer to the specific content of each embodiment in FIG. 1 to FIG. 3, and details are not described herein again.
  • the processor of the user terminal is used to provide computing and control capabilities to support the operation of the entire user terminal.
  • the display screen of the user terminal is used for display, and the input device of the user terminal is configured to receive a parameter value such as a parameter value of a preset attribute associated with the insured person identifier input by the user.
  • a parameter value such as a parameter value of a preset attribute associated with the insured person identifier input by the user.
  • a user terminal comprising a memory and one or more processors having stored therein computer readable instructions that, when executed by the processor, cause one or more processes The step of executing the state inquiry method of the above electronic policy.
  • one or more non-volatile readable storage media having computer readable instructions stored by one or more processors are provided, such that one or more processors are The steps of executing the status inquiry method of the above electronic policy.
  • the storage medium includes, but is not limited to, a magnetic disk, a USB flash drive, an optical disk, a read-only memory (ROM), or a random access memory (RAM), and the like. .
  • the initial state of the policy is queried according to the policy number input by the user, and according to the stored operation flow set of the policy and the creation time of the operation flow, the state subset belonging to the policy and corresponding to the policy are collectively queried.
  • the time display of the operation process enables the user to query the initial state, the intermediate state and the latest state of the electronic policy according to the policy number of the electronic policy, so that the user can know the status of the electronic policy in real time, and can also understand the state established by each state. Time to improve the user experience.

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Abstract

一种电子保单的状态查询方法，包括：接收输入的保单号；当该保单号为有效保单号时，查询该保单号所对应的电子保单的初始状态和操作流程集；根据该初始状态所在的状态总集以及该操作流程集中的每个操作流程映射在该状态总集中的状态，获取映射的状态子集；显示该电子保单的初始状态及获取到的状态子集。

Description

电子保单的状态查询方法、装置、用户终端及存储介质
本申请要求于2017年7月25日提交中国专利局，申请号为201710613849X，发明名称为“电子保单的状态查询方法、装置、用户终端及存储介质”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
本申请涉及计算机技术领域，特别是涉及一种电子保单的状态查询方法、装置、用户终端及存储介质。
背景技术
在保险领域，保单的操作流程以及用户的电子保单的状态只有保险公司内部有权限的职员才可以看到，当客户需要了解自己所购买保险的最新状态或者以往的状态时，只能通过询问保险公司内部有权限的职员，对于客户而言十分不便。
目前还没有一种既方便又直观的方法使得客户可以快速了解到自己的保单的各种状态。
发明内容
根据本申请的各种实施例，提供一种电子保单的状态查询方法、装置、用户终端及存储介质。
一种电子保单的状态查询方法，该方法包括：接收输入的保单号；当该保单号为有效保单号时，查询该保单号所对应的电子保单的初始状态和操作流程集；根据该初始状态所在的状态总集以及该操作流程集中的每个操作流程映射在该状态总集中的状态，获取映射的状态子集；显示该电子保单的初 始状态及获取到的状态子集。
一种电子保单的状态查询装置，该装置包括：保单号接收模块，用于接收输入的保单号；查询模块，用于当该保单号为有效保单号时，查询该保单号所对应的电子保单的初始状态和操作流程集；状态获取模块，用于根据该初始状态所在的状态总集以及该操作流程集中的每个操作流程映射在该状态总集中的状态，获取映射的状态子集；状态显示模块，用于显示该电子保单的初始状态及获取到的状态子集。
一种用户终端，包括存储器和一个或多个处理器，所述存储器中存储有计算机可读指令，所述计算机可读指令被所述处理器执行时，使得所述一个或多个处理器执行以下步骤：接收输入的保单号；当所述保单号为有效保单号时，查询所述保单号所对应的电子保单的初始状态和操作流程集；根据所述初始状态所在的状态总集以及所述操作流程集中的每个操作流程映射在所述状态总集中的状态，获取映射的状态子集；及显示所述电子保单的初始状态及获取到的状态子集。。
一个或多个存储有计算机可读指令的非易失性可读存储介质，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：接收输入的保单号；当所述保单号为有效保单号时，查询所述保单号所对应的电子保单的初始状态和操作流程集；根据所述初始状态所在的状态总集以及所述操作流程集中的每个操作流程映射在所述状态总集中的状态，获取映射的状态子集；及显示所述电子保单的初始状态及获取到的状态子集。
本申请的一个或多个实施例的细节在下面的附图和描述中提出。本申请的其它特征、目的和优点将从说明书、附图以及权利要求书变得明显。
附图说明
为了更清楚地说明本申请实施例中的技术方案，下面将对实施例中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本申请 的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其它的附图。
图1为一个实施例中电子保单的状态查询方法的流程图；
图2为另一实施例中电子保单的状态查询方法的流程图；
图3为再一实施例中电子保单的状态查询方法的流程图；
图4为一个实施例中电子保单的状态查询装置的示范性结构框图；
图5为另一实施例中电子保单的状态查询装置的示范性结构框图；
图6为一个实施例中用户终端的示范性结构框图。
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仅用以解释本申请，并不用于限定本申请。
图1为根据本申请的一个实施例的电子保单的状态查询方法的流程图，下面结合图1详细描述根据本申请的一个实施例的电子保单的状态查询方法，如图1所示，该电子保单的状态查询方法包括以下步骤S101、S102、S103和S104。
S101、接收输入的保单号。
根据本申请的一个实施例，该保单号的输入操作可以是由用户来执行，进一步地，该用户可以是该保单的投保人(投保人指购买该保单号所对应的保险的人)，也可以是该保单的被保人(被保人是指保险在进行理赔时的受益人)，也可以是保险公司的内部具有权限的职员。其中，输入的方式可以是通过软键盘的触摸方式手动输入，可以是通过麦克风识别用户的输入的语音内容进行输入，也可以是通过连接用户终端的实体键盘手动输入，还可以是通过扫描携带有保单号信息的条形码或二维码自动识别作为输入的来源，此种扫描输入的方式下，具体包括以下步骤1和步骤2：
1、扫描携带有保单号信息的条形码或二维码；
2、将识别的该条形码或二维码中的保单号作为输入的保单号。
在上述步骤1中，携带有该保单号信息的条形码或二维码可以是粘贴在纸质保单或者其它物体上的带有条形码或二维码的标贴，该标贴或者其它物体上上通过印刷或者手动绘制的方式呈现该条形码或者二维码。
S102、当该保单号为有效保单号时，查询该保单号所对应的电子保单的初始状态和操作流程集。
根据本实施例的一个示例，上述判断该保单号是否为电子保单的有效保单号的方式可以是：将接收的保单号与系统中预存的电子保单的有效保单号进行比对，若在预存的电子保单的有效保单号有与接收的保单号相同的保单号，则判断接收的保单号为有效的电子保单的保单号，该电子保单区别于纸质合同类的保单，是指在系统中以文件的形式进行存储的保单。
根据本实施例的另一示例，上述初始状态为电子保单生成时预先保存的状态，上述操作流程集中存放有该电子保单后续进行状态变更时操作的流程，其中，操作的流程包括但不限于该电子保单是否交费、该电子保单是否进行承保人变更、该电子保单是否核保通过、该电子保单是否被退回等等。其中，该操作流程集中的各个操作流程在用户终端或服务器的存储方式为存储预设的表示该操作流程的字符。根据本实施例的一个使用场景例如表示交费这一操作流程的字符为AA，表示进行核保通过的操作流程的字符为BB，表示，表示退回的操作流程的字符为CC，是否理赔的操作流程对应的字符为DD，如果该电子保单的操作流程集为{AA、BB、DD}，表示该电子保单已缴费并且核保通过还进行了理赔。
S103、根据该初始状态所在的状态总集以及该操作流程集中的每个操作流程映射在该状态总集中的状态，获取映射的状态子集。
根据本实施例的一个示例，该状态总集中存储有一个电子保单所有可能历经的所有状态，包括但不限于为电子保单、不为电子保单、已缴费、未交费、核保已通过、核保未通过、已理赔、未理赔等等。根据本实施例的另一示例，针对每种状态预设有表示对应状态的状态码，该状态总集中存储有该 状态码；该方法还包括以下步骤a和步骤b：
a、根据该初始状态的状态码所在的状态总集以及该操作流程集中的每个操作流程映射在该状态总集中的状态码，获取映射的状态码的状态子集。
b、显示获取的该状态子集中的状态码所表示的状态。
根据本实施例的一个使用场景，与上述状态总集中包括“为电子保单、不为电子保单、已缴费、未交费、核保已通过、核保未通过、已理赔、未理赔”，该状态总集中依次预设的状态码分别为{01、02、03、04、05、06、07、08}，例如该电子保单的初始状态为电子保单，与该为电子保单对应预设的状态码为01，该电子保单所对应预存的操作流程集为{AA、BB、DD}，根据预设的映射关系AA-03、BB-05、DD-07，获得该电子保单映射后的状态子集为{03、05、07}，再依据预设的状态码所表示的状态，可知该电子保单所对应的状态初始状态为电子保单，映射后的状态为“已缴费、核保已通过、已理赔”。
S104、显示该电子保单的初始状态及获取到的状态子集。
续上述步骤S103中的使用场景，该步骤S104的使用场景为将该初始状态“电子保单”以及映射后的状态子集“已缴费、核保已通过、已理赔”显示。
为了保护投保人的隐私，根据本申请的一个实施例，在该步骤S104的步骤之前，还包括验证具有查看该保单状态的用户身份，具体地包括以下步骤：
1、查询预存的与该保单号绑定的密码和/或用户的身份信息；
2、接收输入的密码和/或用户的身份信息；
3、当预存的与该保单号绑定的验证方式包括密码时，将接收的密码与预存的密码进行比对，若比对结果相同时，判断验证成功；当预存的与该保单号绑定的验证方式包括用户的身份信息时，将接收的用户的身份信息与预存的用户的身份信息进行匹配，当匹配成功时，判断验证成功；
4、当上述密码和/或用户的身份信息验证成功时，判断该用户具有查看该保单号所对应的保单状态的权限，然后显示该电子保单的初始状态及获取 到的状态子集。
根据本实施例的一个示例，当仅预存有密码时，验证用户输入的密码，若用户输入的密码正确即可验证成功，当仅预存有用户的身份信息时，验证用户输入的身份信息，若用户输入的身份信息匹配即验证成功，当预存有上述两种验证方式时，需要同时验证用户输入的密码和用户的身份信息，当用户输入的密码正确且用户输入的身份信息与预存的用户的身份信息匹配时，判断验证成功。
其中，上述的和/或关系可以理解为：当预存的与该保单号绑定有密码同时还绑定有用户的身份信息时，后面步骤2和步骤4中的和/或可以同时为“和”和可以同时为“或”，当同时为“或”时，若步骤2中接收的是用户输入的密码，则步骤3中通过将接收的密码与预存的密码进行比对即可判断是否验证成功，步骤4中的“当上述密码和/或用户的身份信息验证成功时，判断该用户具有查看该保单号所对应的保单状态的权限”为“当上述密码验证成功时，判断该用户具有查看该保单号所对应的保单状态的权限”；若步骤2中接收的是用户的身份信息，则步骤3中通过将接收的用户的身份信息与预存的用户的身份信息进行比对即可判断是否验证成功，步骤4中的“当上述密码和/或用户的身份信息验证成功时”为“当上述用户的身份信息验证成功时”；当理解为“和”时，表示需要同时进行密码验证和用户的身份信息验证，上述步骤2和步骤4中的“和/或”都应理解为“和”。
根据本实施例的一个示例，上述预存的密码及用户的身份信息可以存储在本端，也可以存储在服务器，当预存的密码及用户的身份信息存储在服务器时，上述接收输入的密码和/或用户的身份信息的步骤之后，还包括：
将接收的密码和/或用户的身份信息发送给服务器。
根据本实施例的一个示例，上述步骤S102、S103以及上述步骤3由服务器执行，上述步骤4还包括：
当上述密码和/或用户的身份信息在服务器端验证成功时，判断该用户具有查看该保单号所对应的保单的状态，服务器将电子保单的初始状态及获取 到的状态子集发送给本端用户终端；
用户终端显示接收的该电子保单的初始状态及获取到的状态子集。
根据本实施例的另一示例，上述密码的形式包括但不限于纯数字、纯字母、字母的大小写的组合、数字与字母的大小写的组合等等。上述用户的身份信息包括但不限于用户的指纹、唇纹、虹膜、面部特征等等。
本实施例根据用户输入的保单号查询该保单的初始状态，再依据存储的该保单的操作流程集，将在状态总集中查询的属于该保单的状态子集显示，使得用户可以根据电子保单的保单号即可查询该电子保单的初始状态、中间状态以及最新状态，使得用户可以实时了解电子保单的状态。
图2为根据本申请的另一实施例的电子保单的状态查询方法的流程图，如图2所示的电子保单的状态查询方法，该方法在包括上述步骤在包括上述步骤S101、S102和S103的基础上还包括步骤：
S201、获取预存的该电子保单的初始状态的创建时间及预存的该操作流程所创建的时间。
上述步骤S104的步骤具体为步骤S202：
S202、将该操作流程所创建的时间及该操作流程映射在该状态总集中的状态对应显示，将该初始状态的创建时间及该初始状态对应显示。
根据本实施例的一个示例，在上述步骤S104或S202的步骤之前，该方法还包括：
判断操作流程集中是否包括退回；
当操作流程集不包括退回时，根据操作流程集中的每个操作流程映射在状态总集中的状态，获取映射的状态子集。
续上述步骤S103中的使用场景，根据本实施例的一个使用场景例如，当用户在系统中录入该电子保单时，系统将录入的时间(例如2017/5/10)作为该电子保单的初始状态的创建时间并将录入的时间与该初始状态对应保存，保存的形式例如“S0：2017/5/10”，其中，S0表示初始状态，当用户录入已缴费信息时，系统将录入的时间(例如2017/5/12)或者用户输入的时间(例 如2017/5/11)作为已缴费的时间，根据本实施例的一个示例，当有接收到用户输入的缴费时间时，将输入的缴费时间作为实际缴费的时间，保存的形式例如“AA：2017/5/11”，核保通过的录入时间为2017/5/16，录单员输入的核保通过的时间为2017/5/15，系统将录单员输入的核保通过的时间作为核保通过的时间并存储，保存的形式例如“BB：2017/5/15”，同理，系统将录单员输入的理赔时间作为存储的理赔时间，该理赔时间例如2017/5/31，保存的形式例如“DD：2017/5/31”，基于此场景，可以得出预存的该电子保单的初始状态的创建时间为{(01：2017/5/10)}及各个操作流程所创建的时间为{(AA：2017/5/11)、(BB：2017/5/15)、(DD：2017/5/31)}，依据操作流程集{AA、BB、DD}中的每个操作流程映射在该状态总集中的映射关系获取到状态子集为{(03：2017/5/11)、(05：2017/5/15)、(07：2017/5/31)}，根据本实施例的一个示例，上述步骤S202的显示方式为：
电子保单：2017/5/10；
已缴费：2017/5/11；
核保通过：2017/5/15；
已理赔：2017/5/31。
本实施例将用户保单状态的生成时间获取并显示，使得用户可以进一步了解电子保单的状态情况，提高用户体验。
图3为根据本申请的再一实施例的电子保单的状态查询方法的流程图，如图3所示的电子保单的状态查询方法，该方法在包括上述步骤S101和S102的基础上，上述步骤S103进一步为步骤S301，上述步骤S104进一步为步骤S302。
S301、根据该初始状态的状态码所在的状态总集以及该操作流程集中的每个操作流程映射在该状态总集中的状态码，获取映射的状态码的状态子集。
根据本实施例的一个示例，上述,状态总集例如状态总集包括两个，分别为电子保单的状态总集M：{01、02、03、04、05、06、07、08}和非电子保单的状态总集N：{21、22、23、24、25}，若接收的保单号所对应的保单的 初始状态为01，由于01在状态总集M中，则可选定M作为该接收的保单号所对应的状态总集。若操作流程集为{AA、BB、DD}，其中AA、BB、DD分别表示不同的操作流程，且预设的操作流程集与状态总集M中各个状态的映射关系为AA-03、BB-05、DD-07，则映射的状态总集M中的状态子集为{03、05、07}。
S302、显示该初始状态及获取的该状态子集中的状态码所表示的状态。
根据本实施例的一个使用场景，根据上述状态码所表示的状态：03表示已缴费、05表示核保已通过、07表示已理赔，将“电子保单、已缴费、核保已通过、已理赔”这些状态显示。
根据本实施例的一个示例，该步骤S101和S302可以由用户终端执行，该步骤S102和步骤S301可以由用户终端执行也可以由服务器执行，当步骤S102和步骤S301由服务器执行时，在上述步骤S101的步骤之后还包括：将接收的保单号发送至服务器。
在该步骤S302的步骤之前还包括步骤：将该查询该保单号所对应的电子保单的初始状态以及获取的状态码所对应的状态发送至用户终端。
上述步骤S302进一步为：通过用户终端的显示屏幕显示该初始状态及获取的该状态子集中的状态码所表示的状态。
本实施例提供了一种用户终端或者服务器通过状态码实现存储该电子保单的状态查询方法中所涉及的初始状态、状态总集、状态子集及操作流程集的方法，使得系统可以很方便的进行状态及流程操作的存储。
图4为根据本申请的一个实施例的电子保单的状态查询装置的示范性结构框图，下面结合图4来详细描述根据本实施例的一个示例的电子保单的状态查询装置，如图4所示，该电子保单的状态查询装置10包括：保单号接收模块11，用于接收输入的保单号；查询模块12，用于当该保单号为有效保单号时，查询该保单号所对应的电子保单的初始状态和操作流程集；状态获取模块13，用于根据该初始状态所在的状态总集以及该操作流程集中的每个操作流程映射在该状态总集中的状态，获取映射的状态子集；状态显示模块14， 用于显示该电子保单的初始状态及获取到的状态子集。
为了保护投保人的隐私，根据本申请的一个实施例，该电子保单的状态查询装置10还包括：查询单元，用于查询预存的与该保单号绑定的密码和/或用户的身份信息；接收单元，用于接收输入的密码和/或用户的身份信息；验证单元，用于当预存的与该保单号绑定的验证方式包括密码时，将接收的密码与预存的密码进行比对，若比对结果相同时，判断验证成功；当预存的与该保单号绑定的验证方式包括用户的身份信息时，将接收的用户的身份信息与预存的用户的身份信息进行匹配，当匹配成功时，判断验证成功。
上述状态显示模块14还用于当上述密码和/或用户的身份信息验证成功时，判断该用户具有查看该保单号所对应的保单的状态，然后显示该电子保单的初始状态及获取到的状态子集。
其中，上述的和/或关系可以理解为：当预存的与该保单号绑定有密码同时还绑定有用户的身份信息时，后面步骤2和步骤4中的和/或可以同时为“和”和可以同时为“或”，当同时为“或”时，若步骤2中接收的是用户输入的密码，则步骤3中通过将接收的密码与预存的密码进行比对即可判断是否验证成功，步骤4中的“当上述密码和/或用户的身份信息验证成功时”为“当上述密码和验证成功时”；若步骤2中接收的是用户的身份信息，则步骤3中通过将接收的用户的身份信息与预存的用户的身份信息进行比对即可判断是否验证成功，步骤4中的“当上述密码和/或用户的身份信息验证成功时”为“当上述用户的身份信息验证成功时”；当理解为“和”时，表示需要同时进行密码验证和用户的身份信息验证，上述步骤2和步骤4中的“和/或”都应理解为“和”。
根据本实施例的一个示例，当上述查询模块和状态获取模块被包括在服务器端时，该电子保单的状态查询装置10还包括：包含在本端的发送单元，用于将接收的密码和/或用户的身份信息发送给服务器。包含在本端的状态子集接收单元，用于当上述密码和/或用户的身份信息在服务器端验证成功时，判断该用户具有查看该保单号所对应的保单的状态，服务器将电子保单的初 始状态及获取到的状态子集发送给本端用户终端；包含在本端的保单号发送单元，用于将接收的保单号发送至服务器。包含在本端的状态码接收单元，用于将该查询该保单号所对应的电子保单的初始状态以及获取的状态码所对应的状态发送至用户终端。
图5为根据本申请的另一实施例的电子保单的状态查询装置的示范性结构框图，根据本申请的一个实施例如图5所示，该电子保单的状态查询装置在包括上述保单号接收模块11、查询模块12、状态获取模块13及状态显示模块14的基础上，针对上述操作流程集中的操作流程存储有每个该操作流程所创建的时间，该电子保单的状态查询装置10还包括：时间获取模块15，用于获取预存的该电子保单的初始状态的创建时间及预存的该操作流程所创建的时间；该状态显示模块14还用于将该操作流程所创建的时间及该操作流程映射在该状态总集中的状态对应显示，将该初始状态的创建时间及该初始状态对应显示。
根据本实施例的另一示例，该电子保单的状态查询装置10还包括：扫描模块，用于扫描携带有保单号信息的条形码或二维码；该保单号接收模块还用于将识别的该条形码或二维码中的保单号作为输入的保单号。
进一步地，该电子保单的状态查询装置10还包括：判断模块，用于判断操作流程集中是否包括退回；上述状态获取模块13还用于当操作流程集不包括退回时，根据操作流程集中的每个操作流程映射在状态总集中的状态，获取映射的状态子集。
进一步地，上述状态获取模块13包括状态码获取单元，用于根据该初始状态的状态码所在的状态总集以及该操作流程集中的每个操作流程映射在该状态总集中的状态码，获取映射的状态码的状态子集；上述状态显示模块14还用于显示获取的该状态子集中的状态码所表示的状态。
根据本实施例的一个使用场景例如表示交费这一操作流程的字符为AA，表示进行核保通过的操作流程的字符为BB，表示，表示退回的操作流程的字符为CC，是否理赔的操作流程对应的字符为DD，如果该电子保单的操作流 程集为{AA、BB、DD}，表示该电子保单已缴费并且核保通过还进行了理赔。与上述状态总集中包括“为电子保单、不为电子保单、已缴费、未交费、核保已通过、核保未通过、已理赔、未理赔”，该状态总集中依次预设的状态码分别为{01、02、03、04、05、06、07、08}，例如该电子保单的初始状态为电子保单，与该为电子保单对应预设的状态码为01，该电子保单所对应预存的操作流程集为{AA、BB、DD}，根据预设的映射关系AA-03、BB-05、DD-07，获得该电子保单映射后的状态子集为{03、05、07}，再依据预设的状态码所表示的状态，可知该电子保单所对应的状态初始状态为电子保单，映射后的状态为“已缴费、核保已通过、已理赔”。该状态显示模块用于将该初始状态“电子保单”以及映射后的状态子集“已缴费、核保已通过、已理赔”显示。
当用户在系统中录入该电子保单时，系统将录入的时间(例如2017/5/10)作为该电子保单的初始状态的创建时间并将录入的时间与该初始状态对应保存，保存的形式例如“S0：2017/5/10”，其中，S0表示初始状态，当用户录入已缴费信息时，输入的缴费时间例如为2017/5/11，操作流程的创建时间与的操作流程对应的保存形式例如“AA：2017/5/11”，核保通过的录入时间为2017/5/16，录单员输入的核保通过的时间为2017/5/15，系统将录单员输入的核保通过的时间作为核保通过的时间并存储，保存的形式例如“BB：2017/5/15”，同理，系统将录单员输入的理赔时间作为存储的理赔时间，该理赔时间例如2017/5/31，保存的形式例如“DD：2017/5/31”，基于此场景，可以得出预存的该电子保单的初始状态的创建时间为{(01：2017/5/10)}及各个操作流程所创建的时间为{(AA：2017/5/11)、(BB：2017/5/15)、(DD：2017/5/31)}，依据操作流程集{AA、BB、DD}中的每个操作流程映射在该状态总集中的映射关系获取到状态子集为{(03：2017/5/11)、(05：2017/5/15)、(07：2017/5/31)}，根据本实施例的一个示例，通过上述时间获取模块15获取每个操作流程所创建的时间及初始状态的创建时间，上述状态显示模块14的显示方式例如：
电子保单：2017/5/10；
已缴费：2017/5/11；
核保通过：2017/5/15；
已理赔：2017/5/31。
关于电子保单的状态查询装置的具体限定可以参见上文中对于电子保单的状态查询方法的限定，在此不再赘述。上述电子保单的状态查询装置中的各个模块可全部或部分通过软件、硬件及其组合来实现。上述各模块可以硬件形式内嵌于或独立于用户终端中的处理器中，也可以以软件形式存储于用户终端中的存储器中，以便于处理器调用执行以上各个模块对应的操作。
图6为根据本申请的一个实施例的用户终端的示范性结构框图，如图6所示的用户终端，该用户终端包括通过系统总线连接的处理器、非易失性存储介质、内存储器、显示屏和输入装置。其中，该用户终端的非易失性存储介质可存储操作系统和计算机可读指令，该计算机可读指令被执行时，可使得处理器执行本申请各实施例的一种电子保单的状态查询方法，该方法的具体实现过程可参考图1至图3中各实施例的具体内容，在此不再赘述。该用户终端的处理器用于提供计算和控制能力，支撑整个用户终端的运行。用户终端的显示屏用于进行显示，该用户终端的输入装置用于接收用户输入的与被保人标识相关联的预设属性的参数值等参数。本领域技术人员可以理解，图6中示出的结构，仅仅是与本申请方案相关的部分结构的框图，并不构成对本申请方案所应用于其上的用户终端的限定，具体的用户终端可以包括比图中所示更多或更少的部件，或者组合某些部件，或者具有不同的部件布置。
在一个实施例中，提供了一种用户终端，包括存储器和一个或多个处理器，该存储器中存储有计算机可读指令，该计算机可读指令被处理器执行时，使得一个或多个处理器执行上述电子保单的状态查询方法的步骤。
在一个实施例中，提供了一个或多个存储有计算机可读指令的非易失性可读存储介质，该计算机可读指令被一个或多个处理器执行时，使得一个或多个处理器执行上述电子保单的状态查询方法的步骤。
根据本实施例的一个示例，该存储介质包括但不限于磁碟、U盘、光盘、 只读存储记忆体(Read-Only Memory，ROM)或随机存储记忆体(Random Access Memory，RAM)等等。
本实施例根据用户输入的保单号查询该保单的初始状态，再依据存储的该保单的操作流程集及该操作流程的创建时间，将在状态总集中查询的属于该保单的状态子集及对应的操作流程的时间显示，使得用户可以根据电子保单的保单号即可查询该电子保单的初始状态、中间状态以及最新状态，使得用户可以实时了解电子保单的状态，同时还可以了解各个状态建立的时间，提高用户体验。
以上所述实施例的各技术特征可以进行任意的组合，为使描述简洁，未对上述实施例中的各个技术特征所有可能的组合都进行描述，然而，只要这些技术特征的组合不存在矛盾，都应当认为是本说明书记载的范围。
以上所述实施例仅表达了本申请的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对申请专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本申请构思的前提下，还可以做出若干变形和改进，这些都属于本申请的保护范围。因此，本申请专利的保护范围应以所附权利要求为准。

Claims (20)

  1. 一种电子保单的状态查询方法，包括：
    接收输入的保单号；
    当所述保单号为有效保单号时，查询所述保单号所对应的电子保单的初始状态和操作流程集；
    根据所述初始状态所在的状态总集以及所述操作流程集中的每个操作流程映射在所述状态总集中的状态，获取映射的状态子集；及
    显示所述电子保单的初始状态及获取到的状态子集。
  2. 根据权利要求1所述的方法，其特征在于，所述方法还包括：
    获取预存的所述电子保单的初始状态的创建时间及预存的所述操作流程所创建的时间；及
    将所述操作流程所创建的时间及所述操作流程映射在所述状态总集中的状态对应显示，将所述初始状态的创建时间及所述初始状态对应显示。
  3. 根据权利要求1所述的方法，其特征在于，所述接收输入的保单号的步骤包括：
    扫描携带有保单号信息的条形码或二维码；
    将识别的所述条形码或二维码中的保单号作为输入的保单号。
  4. 根据权利要求1所述的方法，其特征在于，所述方法还包括：
    判断所述操作流程集中是否包括退回；及
    当所述操作流程集不包括退回时，根据所述操作流程集中的每个操作流程映射在所述状态总集中的状态，获取映射的状态子集。
  5. 根据权利要求1所述的方法，其特征在于，针对每种状态预设有表示对应状态的状态码，所述状态总集中存储有所述状态码；所述方法还包括：
    根据所述初始状态的状态码所在的状态总集以及所述操作流程集中的每个操作流程映射在所述状态总集中的状态码，获取映射的状态码的状态子集；及
    显示获取的所述状态子集中的状态码所表示的状态。
  6. 一种电子保单的状态查询装置，其特征在于，所述装置包括：
    保单号接收模块，用于接收输入的保单号；
    查询模块，用于当所述保单号为有效保单号时，查询所述保单号所对应的电子保单的初始状态和操作流程集；
    状态获取模块，用于根据所述初始状态所在的状态总集以及所述操作流程集中的每个操作流程映射在所述状态总集中的状态，获取映射的状态子集；及
    状态显示模块，用于显示所述电子保单的初始状态及获取到的状态子集。
  7. 根据权利要求6所述的装置，其特征在于，所述装置还包括：
    时间获取模块，用于获取预存的所述电子保单的初始状态的创建时间及预存的所述操作流程所创建的时间；及
    所述状态显示模块还用于将所述操作流程所创建的时间及所述操作流程映射在所述状态总集中的状态对应显示，将所述初始状态的创建时间及所述初始状态对应显示。
  8. 根据权利要求6所述的装置，其特征在于，所述装置还包括：
    扫描模块，用于扫描携带有保单号信息的条形码或二维码；及
    所述保单号接收模块还用于将识别的所述条形码或二维码中的保单号作为输入的保单号。
  9. 根据权利要求6所述的装置，其特征在于，所述装置还包括：
    判断模块，用于判断所述操作流程集中是否包括退回；及
    所述状态获取模块还用于当所述操作流程集不包括退回时，根据所述操作流程集中的每个操作流程映射在所述状态总集中的状态，获取映射的状态子集。
  10. 根据权利要求6所述的装置，其特征在于，所述状态获取模块包括：
    状态码获取单元，用于根据所述初始状态的状态码所在的状态总集以及所述操作流程集中的每个操作流程映射在所述状态总集中的状态码，获取映射的状态码的状态子集；及
    所述状态显示模块还用于显示获取的所述状态子集中的状态码所表示的状态。
  11. 一种用户终端，包括存储器和一个或多个处理器，所述存储器中存储有计算机可读指令，所述计算机可读指令被所述处理器执行时，使得所述一个或多个处理器执行以下步骤：
    接收输入的保单号；
    当所述保单号为有效保单号时，查询所述保单号所对应的电子保单的初始状态和操作流程集；
    根据所述初始状态所在的状态总集以及所述操作流程集中的每个操作流程映射在所述状态总集中的状态，获取映射的状态子集；及
    显示所述电子保单的初始状态及获取到的状态子集。
  12. 根据权利要求11所述的用户终端，其特征在于，所述处理器还执行以下步骤：
    获取预存的所述电子保单的初始状态的创建时间及预存的所述操作流程所创建的时间；及
    将所述操作流程所创建的时间及所述操作流程映射在所述状态总集中的状态对应显示，将所述初始状态的创建时间及所述初始状态对应显示。
  13. 根据权利要求11所述的用户终端，其特征在于，所述处理器所执行的接收输入的保单号的步骤包括：
    扫描携带有保单号信息的条形码或二维码；
    将识别的所述条形码或二维码中的保单号作为输入的保单号。
  14. 根据权利要求11所述的用户终端，其特征在于，所述处理器还执行以下步骤：
    判断所述操作流程集中是否包括退回；及
    当所述操作流程集不包括退回时，根据所述操作流程集中的每个操作流程映射在所述状态总集中的状态，获取映射的状态子集。
  15. 根据权利要求11所述的用户终端，其特征在于，针对每种状态预设 有表示对应状态的状态码，所述状态总集中存储有所述状态码；所述处理器还执行以下步骤：
    根据所述初始状态的状态码所在的状态总集以及所述操作流程集中的每个操作流程映射在所述状态总集中的状态码，获取映射的状态码的状态子集；及
    显示获取的所述状态子集中的状态码所表示的状态。
  16. 一个或多个存储有计算机可读指令的非易失性可读存储介质，所述计算机可读指令被一个或多个处理器执行时，使得所述一个或多个处理器执行以下步骤：
    接收输入的保单号；
    当所述保单号为有效保单号时，查询所述保单号所对应的电子保单的初始状态和操作流程集；
    根据所述初始状态所在的状态总集以及所述操作流程集中的每个操作流程映射在所述状态总集中的状态，获取映射的状态子集；及
    显示所述电子保单的初始状态及获取到的状态子集。
  17. 根据权利要求16所述的存储介质，其特征在于，所述处理器还执行以下步骤：
    获取预存的所述电子保单的初始状态的创建时间及预存的所述操作流程所创建的时间；及
    将所述操作流程所创建的时间及所述操作流程映射在所述状态总集中的状态对应显示，将所述初始状态的创建时间及所述初始状态对应显示。
  18. 根据权利要求16所述的存储介质，其特征在于，所述处理器所执行的接收输入的保单号的步骤包括：
    扫描携带有保单号信息的条形码或二维码；
    将识别的所述条形码或二维码中的保单号作为输入的保单号。
  19. 根据权利要求16所述的存储介质，其特征在于，所述处理器还执行以下步骤：
    判断所述操作流程集中是否包括退回；及
    当所述操作流程集不包括退回时，根据所述操作流程集中的每个操作流程映射在所述状态总集中的状态，获取映射的状态子集。
  20. 根据权利要求16所述的存储介质，其特征在于，针对每种状态预设有表示对应状态的状态码，所述状态总集中存储有所述状态码；所述处理器还执行以下步骤：
    根据所述初始状态的状态码所在的状态总集以及所述操作流程集中的每个操作流程映射在所述状态总集中的状态码，获取映射的状态码的状态子集；及
    显示获取的所述状态子集中的状态码所表示的状态。
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