WO2019019796A1

WO2019019796A1 - New insurance policy checkup method, server, and storage medium

Info

Publication number: WO2019019796A1
Application number: PCT/CN2018/089129
Authority: WO
Inventors: 张政
Original assignee: 平安科技（深圳）有限公司
Priority date: 2017-07-25
Filing date: 2018-05-31
Publication date: 2019-01-31
Also published as: CN107871199A; CN107871199B

Abstract

The present application proposes a new insurance policy checkup method, the method comprising: configuring insurance policy categories according to insurance policy sending modes, and configuring, in respective categories of insurance policies, a first proportion of insurance policies to perform manual checkups and a second proportion of insurance policies to perform intelligent telephone checkups; reading new insurance policies dealt within a preset time from the core service system; determining the categories of the insurance policies; calculating, in respective categories of new insurance policies, a first number of insurance policies which require manual checkups and a second number of insurance policies which require intelligent telephone checkups; reading, from respective categories of new insurance policies, the first number of insurance policies and allocating same to a first system, and reading a second number of insurance policies and allocating same to a second system; performing manual checkups concerning the first number of new insurance policies in the first system, and performing intelligent telephone checkups concerning the second number of new insurance policies in the second system. The present application also proposes a server and a computer-readable storage medium. The present invention performs allocation and management on a new insurance policy checkup service of an insurance institution, improving the checkup timeliness of new insurance policies.

Description

New contract policy return method, server and storage medium

This application is based on the priority of the Chinese Patent Application entitled "New Contract Policy Return Method, Device and Storage Medium" filed on July 25, 2017, with the application number CN201710614494.6 submitted on July 25, 2017. The content is incorporated herein by reference.

Technical field

The present application relates to the field of policy return visits, and in particular, to a new contract policy return method, a server, and a computer readable storage medium.

Background technique

There are two types of insurance policies: renewal insurance policy and new contract insurance policy. The renewal insurance policy refers to the insurance contract signed by the insurance company after the expiration of the policy signed by the customer. The new contract insurance policy refers to the insurance contract signed by the customer with the insurance company for the first time. .

At the request of the China Insurance Regulatory Commission, the insurance company shall provide a return visit service to the newly insured person who has a new insurance coverage of one-year long-term insurance and one-year fee-compensated personal medical insurance. The insurance company inquires about the important contents related to the insurance contract to ensure that the customer fully understands the relevant content of the purchased product and fully protects the customer's rights and interests.

At present, the new contract policies are returned by means of manual return visits. However, with the increase of business volume, the labor cost is getting higher and higher, and the timeliness of manual return visits can no longer meet the business requirements. Therefore, there is a need to provide a new method for returning a new contract policy.

Summary of the invention

The present application provides a new contract policy return method, device and computer readable storage medium, the main purpose of which is to allocate and manage the return service of the new contract policy of the insurance institution, and improve the time limit of return visit of the new contract policy.

To achieve the above objective, the first aspect of the present application provides a new contract policy return method, the method comprising:

Setting steps: setting the policy category according to the delivery method, setting the first proportion of the policy in each type of policy for manual return visit, and the second proportion of the policy for intelligent voice return visit;

Policy reading step: reading a new contract policy that is executed within a preset time from the core business system;

The class judging step: judging the category to which the policy belongs according to the delivery form of the new contract policy;

Policy calculation step: calculating the first quantity of the policy that needs to be manually returned in each new contract policy according to the preset first ratio and the second ratio, and the second quantity of the policy requiring intelligent voice returning;

Policy allocation step: reading the first quantity of policies from the various new contract policies and assigning them to the first system, and reading the second number of policies to the second system; and

The return visit execution step: performing a manual return visit to the first number of new contract policies in the first system, and performing a smart voice return visit on the second number of new contract policies in the second system.

The second aspect of the present application also provides a server, the server comprising: a memory, a processor, and a new contract policy returning system stored on the memory and operable on the processor, the new contract policy returning system is The processor implements the following steps when executed:

The third aspect of the present application further provides a computer readable storage medium, where the new contract policy return visit system is stored, and when the new contract policy return visit system is executed by the processor, the new contract policy can be implemented Any step of the return method.

The new contract policy return method and device and the computer readable storage medium proposed by the application, the method distributes and manages the return service of the insurance institution's new contract policy according to certain rules, and adopts a combination of manual return visit and intelligent voice return visit. The way to return to the new contract policy, improve the time limit for the return of the new contract policy.

DRAWINGS

1 is an application environment diagram of a preferred embodiment of a new contract policy return visit system of the present application;

2 is a schematic diagram of an operating environment of a new contract policy return visit system of the present application;

3 is a functional block diagram of a preferred embodiment of a new contract policy return visit system of the present application;

4 is a flow chart of a preferred embodiment of a new contract policy return method of the present application.

The implementation, functional features and advantages of the present application will be further described with reference to the accompanying drawings.

Detailed ways

In order to make the technical problems, technical solutions and beneficial effects to be solved by the present application clearer and clearer, 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.

As shown in FIG. 1, it is an application environment diagram of a preferred embodiment of the new contract policy returning system 10 of the present application.

FIG. 1 includes a plurality of associated systems within an enterprise, such as a core business system A, a first system B, and a second system C, and the plurality of associated systems communicate through the network 420. In this embodiment, the first system B may be a sales system of a financial service institution, such as an internal sales system of a securities company, and the second system C may be an intelligent voice system, which can be automatically dialed. A policy return visit system 10 is established for a customer, such as a smart phone system of a securities company.

When a new contractual insurance policy for the financial service institution needs to be returned, the customer may manually return the new contract policy from the customer information recorded in the sales system, or read the customer information through the smart voice. And intelligent voice return visit template and automatic dialing, intelligent voice return visit to some new contract policies.

Each of the associated systems is configured on at least one

server

1, 2, 3, and the at least one

server

1, 2, 3 connects the

memories

11, 21, 31 and the plurality of clients through the

networks

120, 220, 320. 130, 230, 330. The

memory

11, 21, 31 stores information such as business related information of the financial service institution.

For example, the core service system A is configured on at least one server 1, and the at least one server 1 is connected to the memory 11 and the plurality of clients 130 via the network 120. The memory 11 stores information of all customers of the financial service institution, such as customer identity information, account information, specific information for purchasing the financial service institution products (such as insurance products), and all information related to the business of the financial service institution.

The first system B (such as a sales system) is configured on at least one server 2, and the at least one server 2 connects the memory 21 and the plurality of clients 230 through the network 220. The memory 21 stores information of all customers generated by the financial service institution through the sales, such as all customer identity information, account information, and specific information for purchasing the financial service institution products in the sales system.

The second system C (such as an intelligent voice system) is configured on at least one server 3, and the at least one server 3 is connected to the memory 31 and the plurality of clients 330 through the network 230. The memory 31 stores smart voice return visit templates and the like corresponding to different types of policies.

The network 420 is an intranet (intranet). The

networks

120, 220, and 320 are external networks of the enterprise.

Clients

130, 230, 330 can be desktop computers, notebooks, tablets, mobile phones, or other terminal devices that can communicate with servers over an intranet.

In this embodiment, the new contract policy returning system 10 of the present application is applied to a server of a certain system in a plurality of related systems under a financial service institution, such as the server 1 of the core business system A and the server 2 of the first system B, Or the server 3 of the second system C.

As shown in FIG. 2, it is a schematic diagram of the operating environment of the new contract policy returning system 10 of the present application.

In the present embodiment, the new contract policy return visit system 10 is applied to the server 1 of the core business system A. The server 1 includes, but is not limited to, a memory 11, a processor 12, and a display 13. The server 1 is communicatively coupled to a database 140.

The database 140 stores information such as an intelligent voice return visit template corresponding to different categories of new contract policies.

The memory 11 may include at least one type of storage medium including a flash memory, a hard disk, a multimedia card, a card type memory (for example, SD or DX memory, etc.), a random access memory (RAM), a 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 server 1, such as the hard disk of the server 1, in some embodiments. The memory 11 may also be an external storage device of the server 1 in other embodiments, such as a plug-in hard disk equipped on the server 1, a smart memory card (SMC), and a secure digital (Secure Digital, SD) ) cards, flash cards, etc. In this embodiment, the memory 11 can be used not only for storing application software installed on the server 1 and various types of data, such as the program of the new contract policy return visit system 10, but also for temporarily storing the output or The data to be output.

The processor 12 can be a central processing unit (CPU), a microprocessor or other data processing chip for reading and running the stored new contract policy return system 10 from the memory 11. Program to implement any of the steps in the new contract policy return method described below.

The display 13 can also be referred to as a display screen or a display unit. The display 13 can 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. The display 13 is used to display information processed in the server 1 and a user interface for displaying visualizations.

Preferably, the server 1 may further include a user interface, and the user interface may include an input unit such as a keyboard and a mouse. Optionally, the user interface may also include a standard wired interface and a wireless interface.

2 shows only server 1 with components 11-13 and new contract policy return visit system 10, but it should be understood that not all illustrated components may be implemented, and more or fewer components may be implemented instead.

In other embodiments, the new contract policy return visit system provided by the present application can also be applied to servers of some other business systems under the associated system.

The server 1 of the present embodiment allocates and manages the return service of the new contract policy of the insurance institution by setting up a new contract policy returning system 10 on the server 1, and adopts a combination of manual return visit and intelligent voice return visit to the new contract. The policy will be returned to the visit to improve the time limit for returning the new contract policy.

As shown in FIG. 3, it is a functional block diagram of a preferred embodiment of the new contract policy return visit system 10 of the present application.

In this embodiment, the new contract policy returning system 10 can be divided into a setting module 101, a policy reading module 102, a category determining module 103, a policy calculating module 104, a policy assigning module 105, and a return visit executing module 106. When the processor executes the computer program instructions of each module, any of the steps of the application upgrade method described above can be implemented based on the operations and functions that can be implemented by the various computer program instructions. The following description will specifically describe the operations and functions implemented by the setting module 101, the policy reading module 102, the category determining module 103, the policy calculating module 104, the policy assigning module 105, and the return visit executing module 106.

The setting module 101 is configured to set a policy category according to the delivery mode, and set a first proportion of the policy in each type of policy to perform a manual return visit, and a second proportion of the policy to perform a smart voice return visit. Taking a financial service organization as an example, the delivery method of the policy of the institution is divided into "salesman to send a single door", "customer store self-collection", "fast delivery order", etc., so the setting module 101 will be a new contract policy. It is divided into three categories: “salesman to send the door to the door”, “customer store self-acquisition” and “fast delivery order”. At the same time, the first proportion (10%) is set in the new contract policy of the “salesman to send the door to the door” category. The return visit method of the policy is the manual return mode, and the return mode of the second proportion (90%) of the policy is the smart voice return mode. Similarly, in the new contract policy of the “customer store self-acquisition” category, the return method of the first proportion (5%) of the policy is set to the manual return mode, and the return mode of the second proportion (95%) of the policy is set to smart. Voice return mode. In the new contract policy of the “Express Delivery Order” category, the return method of the first ratio (15%) of the policy is set to the manual return mode, and the return mode of the second proportion (85%) of the policy is the smart voice return mode.

Specifically, the setting module 101 is further configured to set a corresponding smart voice return visit template for each category of the policy, and save to the database. For example, for different policy categories, the setting module 101 is further configured to separately set different smart voice return visit templates, and save the smart voice return visit template to a database, so that the smart voice system calls and performs a return visit action.

For the new contract policy of the “salesman to send the door to the door” category, the smart voice return visit includes: “Is the insured person xx”, “the insured is xx, the age xx, the address is xx, the above information is wrong”, “ Have you read the terms of the policy carefully and fully understand the insurance product?" "Do you know the age of the insurance product, the amount of payment, the length of protection, the hesitation period, the loss of surrender in the middle", "Your salesperson Whether the timeliness of the delivery of the door is satisfactory, "whether the delivery of the door is disturbing you", "what opinions or suggestions you have for the work of the company", etc.

For the new contract policy of the “customer store self-acquisition” category, the smart voice return visit includes: “Is the insured person xx”, “insured person xx, age xx, address xx, whether the above information is incorrect” or “you Have you read the terms of the policy carefully and fully understand the insurance product?" "Do you know the age of the insurance product, the amount of payment, the length of protection, the hesitation period, the loss of insurance in the middle of the journey", "Your reception of the store" Whether the service is satisfactory or not, "What opinions or suggestions do you have for the work of the company?"

For the new contract policy of the "Express Delivery Order" category, the content of the smart voice return visit includes: "Is the insured person xx", "The insured is xx, the age is xx, the address is xx, the above information is incorrect", "Do you Have carefully read the terms of the policy, fully understand this insurance product", "Do you know the insurance product payment period, payment amount, security period, hesitation period, midway surrender loss", "you are on the express delivery order Whether the timeliness is satisfactory, "whether you are satisfied with the service of the courier", "what opinions or suggestions you have for the work of the company", etc.

The policy reading module 102 is configured to read, from the core business system A, a new contract policy that is sold within a preset time. For example, when a preset time (eg, zero every day) is reached, the policy reading module 102 reads a new transaction within a preset time range (0:00-24:00 of the previous day) from the core business system A of the institution. Contract insurance policy. For example, on June 1, 2017, from 0:00 to 24:00, the agency's core business system A sold a total of 300 new contract policies, then, by 0:00 on June 1, 2017, The policy reading module 102 reads the 300 new contract policies from the core business system A.

The category determining module 103 is configured to determine, according to the delivery mode of the new contract policy, the category to which the policy belongs. From the above 300 new contract policies, the category judging module 103 judges the category to which the policy belongs according to the billing method of the policy. For example, in 300 new contract policies, the category judging module 103 judges that 95 new contract policies belong to the “salesman delivery list” category according to the policy delivery form, and 85 new contract policies belong to the “customer stores”. The self-following category, the remaining 120 new contract policies belong to the "Express Delivery Order" category.

The policy calculation module 104 is configured to calculate, according to the preset first ratio and the second ratio, a first quantity of the policy that needs to be manually returned in each new type of contract policy, and a second quantity of the policy that needs to be returned by the smart voice. Taking the above 300 new contract policies as an example, 95 policies belonging to the category of “salesman to send a door to door”, the policy calculation module 104 calculates the first of the new contract policies to be manually returned according to the first ratio (10%). The number (9.5 copies), the policy calculation module 104 calculates a second number (85.5 copies) of the new contract policy for the smart voice return visit based on the second ratio (90%). Among the 85 policies belonging to the category of "customer store self-acquisition", the policy calculation module 104 calculates the first quantity (4.25 copies) of the new contract policy to be manually returned according to the first ratio (5%), the policy calculation module 104 calculates a second number (80.75 copies) of the new contract policy requiring intelligent voice return visit according to the second ratio (95%). In 120 policies belonging to the "Express Delivery Order" category, the policy calculation module 104 calculates a first quantity (18 copies) of the new contract policy to be manually returned according to the first ratio (15%), the policy calculation module 104. According to the second ratio (85%), the second number (102 copies) of the new contract policy requiring intelligent voice return is calculated.

Specifically, when the first quantity or/and the second quantity includes both an integer and a decimal point, the first number of digits is entered into one, and the second quantity is taken as an integer, and the decimal point part is discarded. Then, in the 95 categories of the “sellers to send the door to the door” category, the final first quantity is 10, the second quantity is 85; 85 are in the “customer store self-acquisition” category of the policy, the final first quantity 5, the second quantity is 80; 120 of the policies belonging to the "Express Delivery Order" category, the final first quantity is 18, and the second quantity is 120.

The policy distribution module 105 is configured to read a first quantity of policies from the various new contract policies and assign them to the first system B, and read a second quantity of policies to the second system C. The first system B may be a power selling system of the mechanism, and the second system C may be an intelligent voice system. Taking the above 300 new contract policies as an example, the policy assigning module 105 reads 10 copies and 5s from the policies of the “salesman to the door” category, the “customer store self-acquisition” category, and the “fast delivery order” category. And 18 new contract policies are assigned to the sales system for manual return visits, and 85 copies are read from the “sellers to the door” category, the “customer store pickup” category, and the “fast delivery order” category. 80, 120 new contract policies are assigned to the intelligent voice system for intelligent voice return.

In this embodiment, the policy assignment module 105 can randomly read a certain number of new contract policies from different types of policies and assign them to the first system B and the second system C for return visit. The policy assignment module 105 can also read a certain number of new contract policies from different types of policies according to other rules (such as sequential reading) to the first system B and the second system C for return visit. For example, the above-mentioned 85 policies belonging to the category of “customer store self-acquisition”, the policies of this category are corresponding to

serial numbers

1, 2, 3, ..., 85, and the policy allocation module 105 can be from 85. The new contract policy randomly reads the 3rd, 17th, 25th, 52nd, and 69th policies to be distributed to the sales system for manual return visit. In addition to these 5, the other 80 policies are assigned to the intelligent voice system for intelligent voice return. . In other embodiments, the policy assignment module 105 can sequentially read the policies of No. 1, No. 2, No. 3, No. 4, and No. 5 from the 85 new contract policies to the sales system for manual return visit, No. 6 - Policy No. 85 is assigned to the intelligent voice system for intelligent voice return.

The return visit execution module 106 is configured to perform a manual return visit to the first number of new contract policies in the first system B and a smart voice return visit to the second number of new contract policies in the second system C.

Specifically, the return visit execution module 106 is further configured to control the second system to retrieve a corresponding smart voice return visit template from the database, and perform a smart voice return visit to the second quantity of the new contract policy.

After the policy assignment module 105 assigns the above 85 new contract policies belonging to the "customer store self-collection" category to the first system B and the second system C, the return visit execution module 106 notifies the staff of the The five new contract policies distributed by the sales system are manually returned, and the intelligent voice system is controlled to read the personal information in the policy and automatically dial, and the voice returning template corresponding to the “customer store self-collection” category is invoked, according to the template content. Conduct intelligent voice return visits to the 80 new contract policies that were allocated.

Further, the return visit execution module 106 is further configured to receive and save the result of the new contract policy return visit, and mark and remark the new contract policy.

For the new contract policy that requires intelligent voice return visit, if the return visit is successfully completed and there is no objection in the process, the smart voice return visit is successful; if the customer is not contacted, or the customer has objection during the return visit (the policy information is incorrect, Or think that the insurance product is not suitable, etc.), this smart voice return visit failed, and the new contract policy is transferred to the sales system for manual return visit. The return visit execution module 106 receives and saves the content of the return visit (recording, etc.) and the return visit result sent by the intelligent voice system (the return visit success/return visit failure has been transferred to the sales system), and the new contract policy is performed. Mark (returned/returned) and remarks (not contacted with the customer, or the policy information is incorrect, or the item is not known, etc.).

For a new contract policy that requires manual return visit, if the return visit is successfully completed and there is no objection in the process, the manual return visit is successful; if the customer is not contacted, the return visit fails, waiting for the next manual return visit; if the return visit is in the process There is objection (the policy information is incorrect, or the insurance product is not suitable, etc.). After communicating with the customer, the content of the policy is revised and explained. After the customer has no objection, the return visit is successful; if the problem cannot be solved, the customer applies for full refund. Bao, hand over the new contract policy to the corresponding business personnel for operation. The return visit execution module 106 receives and saves the content of the manual return visit (recording, etc.) and the return visit result sent by the electric sales system (the return visit success/return visit failure and the return visit/return visit failed and has been handed over), and this The new contract policy is marked (returned/returned) and remarks (not contacted with the customer, or the policy information is incorrect, or the item is not understood, or the application is fully surrendered, etc.).

The new contract policy returning system 10 of the present embodiment distributes and manages the return service of the insurance institution's new contract policy according to certain rules, and uses the combination of manual return visit and intelligent voice return visit to return the new contract policy. To improve the time limit for the return visit of the new contract policy; at the same time, record the return visit of the new contract policy to facilitate the management of the subsequent return service of the new contract policy.

As shown in FIG. 4, it is a flow chart of a preferred embodiment of the new contract policy return method of the present application.

In this embodiment, the new contract policy return method includes: step S10, step S20, step S30, step S40, step S50, and step S60.

In step S10, the policy category is set according to the delivery mode, and the first proportion of the policy is set in each type of policy to perform manual return visit, and the second proportion of the policy is used for intelligent voice return visit. Taking a financial service institution as an example, the policy of the institution's policy is divided into "salesman to send a single door", "customer store self-acquisition", "fast delivery order", etc., so the new contract policy is divided into "salesman" The three types of “send single door”, “customer store self-acquisition” and “fast delivery order”, at the same time, set the first proportion (10%) of the policy return visit in the new contract policy of the “salesman to send the door to the door” category. The mode is manual return mode, and the return mode of the second proportion (90%) of the policy is set to the smart voice return mode. Similarly, in the new contract policy of the “customer store self-acquisition” category, the return method of the first proportion (5%) of the policy is set to the manual return mode, and the return mode of the second proportion (95%) of the policy is set to smart. Voice return mode. In the new contract policy of the “Express Delivery Order” category, the return method of the first ratio (15%) of the policy is set to the manual return mode, and the return mode of the second proportion (85%) of the policy is the smart voice return mode.

Specifically, the step S10 further includes: setting a corresponding smart voice return visit template for each category of the policy, and saving to the database. For example, different smart voice return visit templates are set for different policy categories, and the smart voice return visit template is saved in the database, so that the intelligent voice system can call and perform the return visit action.

Step S20: Read a new contract policy that is executed within a preset time from the core business system A. For example, when a preset time (eg, zero every day) is reached, a new contract policy in the core business system A of the institution that is sold within a preset time range (0:00-24:00 the previous day) is read. For example, on June 1, 2017, from 0:00 to 24:00, the agency's core business system A sold a total of 300 new contract policies, then, by 0:00 on June 1, 2017, from The above 300 new contract policies are read out in the core business system A.

Step S30, determining the category to which the policy belongs according to the delivery mode of the new contract policy. For example, in 300 new contract policies, according to the policy delivery method, it is judged that 95 new contract policies belong to the category of “salesman delivery orders”, and 85 new contract policies belong to the category of “customer stores”. The next 120 new contract policies are in the "Express Delivery Order" category.

Step S40: Calculate, according to the preset first ratio and the second ratio, a first quantity of the policy that needs to be manually returned in each new type of contract policy, and a second quantity of the policy that needs to be returned by the smart voice. Taking the above 300 new contract policies as an example, 95 of the policies belonging to the category of “salesman to send the door to the door” calculate the first quantity (9.5 copies) of the new contract policy that needs to be manually returned according to the first ratio (10%). The second number (85.5 copies) of the new contract policy requiring intelligent voice return is calculated according to the second ratio (90%). 85 of the policies in the “customer store self-acquisition” category, based on the first ratio (5%), calculate the first quantity (4.25 copies) of the new contract policy that needs to be manually returned, and calculate the intelligence according to the second ratio (95%). The second number (80.75 copies) of the new contract policy for voice return visits. Among the 120 policies that belong to the “Express Delivery Order” category, 4 calculate the first quantity (18 copies) of the new contract policy that needs to be manually returned according to the first ratio (15%), and calculate the intelligence according to the second ratio (85%). The second number (102 copies) of the new contract policy for voice return visits.

Specifically, when the first quantity or/and the second quantity contains both an integer and a decimal point, the first number of digits is entered into one, and the second quantity is taken as an integer, and the decimal point part is discarded. Then, in the 95 categories of the “sellers to send the door to the door” category, the final first quantity is 10, the second quantity is 85; 85 are in the “customer store self-acquisition” category of the policy, the final first quantity 5, the second quantity is 80; 120 of the policies belonging to the "Express Delivery Order" category, the final first quantity is 18, and the second quantity is 120.

In step S50, the first quantity of policies are read from the various new contract policies and assigned to the first system B, and the second number of policies are read and assigned to the second system C. The first system B may be a power selling system of the mechanism, and the second system C may be an intelligent voice system. Taking the above 300 new contract policies as an example, 10, 5, and 18 new contracts are read from the policies of the “salesman to the door” category, the “customer store pickup” category, and the “fast delivery order” category. The policy is assigned to the sales system for manual return visits, and 85, 80, and 120 copies are read from the policies of the “salesman to the door” category, the “customer store pickup” category, and the “fast delivery order” category. The new contract policy is assigned to the intelligent voice system for intelligent voice return.

In this embodiment, a certain number of new contract policies can be randomly read from different types of policies and assigned to the first system B and the second system C for return visit, or other policies can be pressed from different types of policies. Rules (such as sequential reading) read a certain number of new contract policies assigned to the first system B and the second system C for a return visit. For example, the above 85 policies belonging to the “customer store self-acquisition” category, the policies of this category are corresponding to

serial numbers

1, 2, 3, ..., 85, which can be randomly read from 85 new contract policies. The policies of No. 3, No. 17, No. 25, No. 52, and No. 69 were assigned to the sales system for manual return visit. In addition to these five other 80 policies were assigned to the intelligent voice system for intelligent voice return. In other embodiments, the policies of No. 1, No. 2, No. 3, No. 4, and No. 5 can be sequentially read from the 85 new contract policies for manual return visit, and the No. 6-85 policies are assigned to the smart. The voice system performs intelligent voice return visits.

Further, the method further includes:

In step S60, a manual return visit is performed on the first number of new contract policies in the first system B, and a smart voice return visit is performed on the second number of new contract policies in the second system C.

Specifically, the step S60 further includes:

And controlling the second system to retrieve a corresponding smart voice return visit template from the database, and perform intelligent voice return visit to the second quantity of the new contract policy.

When the above-mentioned 85 new contract policies belonging to the "customer store self-collection" category are assigned to the first system B and the second system C, the staff member is notified to perform 5 new contract policies distributed to the sales system. Manually returning the visit, and controlling the intelligent voice system to read the personal information in the policy and automatically dialing, calling the voice return visit template corresponding to the "customer store pick-up" category, and performing intelligent voice on the 80 new contract policies distributed according to the template content. Return visit.

Further, the step S60 further includes: receiving and saving the return visit result of the new contract policy, and marking and remarking the new contract policy.

For the new contract policy that requires intelligent voice return visit, if the return visit is successfully completed and there is no objection in the process, the smart voice return visit is successful; if the customer is not contacted, or the customer has objection during the return visit (the policy information is incorrect, Or think that the insurance product is not suitable, etc.), this smart voice return visit failed, and the new contract policy is transferred to the sales system for manual return visit. The system receives and saves the content of the return visit (recording, etc.) sent by the intelligent voice system and the result of the return visit (the return visit success/return visit failed and has been transferred to the sales system), and marks the new contract policy (returned/ Revisited) and remarks (not contacted with the customer, or the policy information is incorrect, or do not understand a clause).

For a new contract policy that requires manual return visit, if the return visit is successfully completed and there is no objection in the process, the manual return visit is successful; if the customer is not contacted, the return visit fails, waiting for the next manual return visit; if the return visit is in the process There is objection (the policy information is incorrect, or the insurance product is not suitable, etc.). After communicating with the customer, the content of the policy is revised and explained. After the customer has no objection, the return visit is successful; if the problem cannot be solved, the customer applies for full refund. Bao, hand over the new contract policy to the corresponding business personnel for operation. The system receives and saves the content of the manual return visit (recording, etc.) and the return visit result (the return visit success/return visit failure and the return visit/return visit failed and has been handed over) from the sales system, and marks the new contract policy. (returned/returned) and remarks (not contacted with the customer, or the policy information is incorrect, or do not understand a clause, or apply for full surrender, etc.).

The new contract policy returning method of the present embodiment distributes and manages the return service of the insurance institution's new contract policy according to certain rules, and uses the combination of manual return visit and intelligent voice return visit to return the new contract policy and improve The time limit for the return of the new contract policy; at the same time, the return visit of the new contract policy is recorded to facilitate the management of the subsequent return service of the new contract policy.

In addition, the embodiment of the present application further provides a computer readable storage medium, where the new contract policy returning system 10 is stored, and when the new contract policy returning system 10 is executed by the processor, the foregoing Any step of the new contract policy return method.

It is to be understood that the term "comprises", "comprising", or any other variants thereof, is intended to encompass a non-exclusive inclusion, such that a process, apparatus, article, or method that comprises a series of elements includes those elements. It also includes other elements not explicitly listed, or elements that are inherent to such a process, device, item, or method. An element that is defined by the phrase "comprising a ..." does not exclude the presence of additional equivalent elements in the process, the device, the item, or the method that comprises the element.

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 as described above). , a disk, an optical disk, including a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the methods described in the 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

A new contract policy return method, characterized in that the method comprises:

Setting steps: setting the policy category according to the delivery method, setting the first proportion of the policy in each type of policy for manual return visit, and the second proportion of the policy for intelligent voice return visit;

Policy reading step: reading a new contract policy that is executed within a preset time from the core business system;

The class judging step: judging the category to which the policy belongs according to the delivery form of the new contract policy;

Policy calculation step: calculating the first quantity of the policy that needs to be manually returned in each new contract policy according to the preset first ratio and the second ratio, and the second quantity of the policy requiring intelligent voice returning;

Policy allocation step: reading the first quantity of policies from the various new contract policies and assigning them to the first system, and reading the second number of policies to the second system; and

The return visit execution step: performing a manual return visit to the first number of new contract policies in the first system, and performing a smart voice return visit on the second number of new contract policies in the second system.
The method for returning a new contract policy according to claim 1, wherein the setting step further comprises:

Set the appropriate smart voice return visit template for each category of policy and save it to the database.
The method for returning a new contract policy according to claim 1, wherein the step of performing the return visit further comprises:

And controlling the second system to retrieve a corresponding smart voice return visit template from the database, and perform intelligent voice return visit to the second quantity of the new contract policy.
The method for returning a new contract policy according to claim 3, wherein the step of performing the return visit further comprises:

Receive and save the results of the new contract policy return visit and mark and remark the new contract policy.
The new contract policy return method according to claim 1, wherein when the first quantity or/and the second quantity includes both an integer and a decimal point, the first number of digits is incremented by one, and the decimal point is rounded off. In part, the second number takes an integer and rounds off the decimal point.
A server, comprising: a memory, a processor, and a new contract policy return visit system stored on the memory and operable on the processor, the new contract policy return visit system being processed The following steps are implemented when the device is executed:

Setting steps: setting the policy category according to the delivery method, setting the first proportion of the policy in each type of policy for manual return visit, and the second proportion of the policy for intelligent voice return visit;

Policy reading step: reading a new contract policy that is executed within a preset time from the core business system;

The class judging step: judging the category to which the policy belongs according to the delivery form of the new contract policy;

Policy calculation step: calculating the first quantity of the policy that needs to be manually returned in each new contract policy according to the preset first ratio and the second ratio, and the second quantity of the policy requiring intelligent voice returning;

Policy allocation step: reading the first quantity of policies from the various new contract policies and assigning them to the first system, and reading the second number of policies to the second system; and

The return visit execution step: performing a manual return visit to the first number of new contract policies in the first system, and performing a smart voice return visit on the second number of new contract policies in the second system.
The server according to claim 6, wherein said setting step further comprises:

Set the appropriate smart voice return visit template for each category of policy and save it to the database.
The server according to claim 6, wherein the step of performing the return visit further comprises:

And controlling the second system to retrieve a corresponding smart voice return visit template from the database, and perform intelligent voice return visit to the second quantity of the new contract policy.
The server according to claim 8, wherein the step of performing the return visit further comprises:

Receive and save the results of the new contract policy return visit and mark and remark the new contract policy.
The server according to claim 6, wherein when said first quantity or/and second quantity includes both an integer and a decimal point, the first number of single digits is incremented by one, the decimal point portion is discarded, and the second The number is taken as an integer and the decimal point is discarded.
A computer readable storage medium, characterized in that the computer readable storage medium stores a new contract policy return visit system, and the new contract policy return visit system is executed by the processor to implement the following steps:

Setting steps: setting the policy category according to the delivery method, setting the first proportion of the policy in each type of policy for manual return visit, and the second proportion of the policy for intelligent voice return visit;

Policy reading step: reading a new contract policy that is executed within a preset time from the core business system;

The class judging step: judging the category to which the policy belongs according to the delivery form of the new contract policy;

Policy calculation step: calculating the first quantity of the policy that needs to be manually returned in each new contract policy according to the preset first ratio and the second ratio, and the second quantity of the policy requiring intelligent voice returning;

Policy allocation step: reading the first quantity of policies from the various new contract policies and assigning them to the first system, and reading the second number of policies to the second system; and

The return visit execution step: performing a manual return visit to the first number of new contract policies in the first system, and performing a smart voice return visit on the second number of new contract policies in the second system.
The computer readable storage medium of claim 11, wherein the setting step further comprises:

Set the appropriate smart voice return visit template for each category of policy and save it to the database.
The computer readable storage medium of claim 11, wherein the return visit execution step further comprises:

And controlling the second system to retrieve a corresponding smart voice return visit template from the database, and perform intelligent voice return visit to the second quantity of the new contract policy.
The computer readable storage medium of claim 13, wherein the return visit execution step further comprises:

Receive and save the results of the new contract policy return visit and mark and remark the new contract policy.
The computer readable storage medium of claim 11, wherein when the first quantity or/and the second quantity includes both an integer and a decimal point, the first number of digits is incremented by one, rounding off the decimal point In part, the second number takes an integer and rounds off the decimal point.
A new contract policy return visit system characterized in that the system comprises:

The setting module is configured to set the policy category according to the delivery mode, set the first proportion of the policy in each type of policy to perform manual return visit, and the second proportion of the policy to perform intelligent voice return visit;

a policy reading module, configured to read a new contract policy that is executed within a preset time period from the core business system;

a category judging module, configured to determine, according to the billing manner of the new contract policy, a category to which the policy belongs;

The policy calculation module is configured to calculate, according to the preset first ratio and the second ratio, a first quantity of the policy that needs to be manually returned in each new type of contract policy, and a second quantity of the policy that needs to be returned by the smart voice;

a policy allocation module for reading a first quantity of policies from the various new contract policies and assigning them to the first system, and reading the second number of policies to the second system; and

The returning execution module is configured to perform a manual return visit to the first number of new contract policies in the first system and a smart voice return visit to the second number of new contract policies in the second system.
The new contract policy returning system according to claim 16, wherein the "setting the policy category according to the delivery mode, setting the first proportion of the policy in each type of policy for manual return visit, and the second proportion of the policy for intelligence The steps of voice return visit also include:

Set the appropriate smart voice return visit template for each category of policy and save it to the database.
The new contract policy return visit system of claim 16 wherein said "manually returning a first number of new contract policies in said first system to a second number of new ones in said second system The steps of the contract policy for intelligent voice return visit include:

And controlling the second system to retrieve a corresponding smart voice return visit template from the database, and perform intelligent voice return visit to the second quantity of the new contract policy.
A new contract policy return visit system according to claim 18, wherein said "manually returning a first number of new contract policies in said first system to a second number of new ones in said second system The steps of the contract policy for intelligent voice return visit include:

Receive and save the results of the new contract policy return visit, and mark and remark the new contract policy
The new contract policy returning system according to claim 16, wherein when the first quantity or/and the second quantity includes both an integer and a decimal point, the first number of digits is incremented by one, and the decimal point is rounded off. In part, the second number takes an integer and rounds off the decimal point.