WO2019024530A1 - 一种投保方法、设备及存储介质 - Google Patents

一种投保方法、设备及存储介质 Download PDF

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Publication number
WO2019024530A1
WO2019024530A1 PCT/CN2018/082624 CN2018082624W WO2019024530A1 WO 2019024530 A1 WO2019024530 A1 WO 2019024530A1 CN 2018082624 W CN2018082624 W CN 2018082624W WO 2019024530 A1 WO2019024530 A1 WO 2019024530A1
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WIPO (PCT)
Prior art keywords
insurance
customer
insured
information
policy
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2018/082624
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English (en)
French (fr)
Inventor
蔡灵敏
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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Filing date
Publication date
Application filed by Ping An Technology Shenzhen Co Ltd filed Critical Ping An Technology Shenzhen Co Ltd
Publication of WO2019024530A1 publication Critical patent/WO2019024530A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

Definitions

  • the present application relates to the field of Internet insurance technology, and in particular, to an insurance application method, device, and storage medium.
  • the agent needs to confirm the insurance related regulations with the customer when submitting the delivery. This step requires 3 to 5 minutes of sitting time, and the insurance-related regulations are read to the customer on the phone, and most customers can't decide whether to apply for insurance policy on the spot during the process of communicating with the agent, which will greatly reduce the number of seats. Agent productivity. At the same time, the quality inspection department should also check the recording of this part of the seat and spend a lot of manpower.
  • the present application is directed to the above-mentioned deficiencies of the prior art.
  • the purpose of the present application is to provide an insurance application method, device, and storage medium, which are intended to solve the problem of requiring insurance for a period of time when the insurance is received by a human agent in the prior art. Read to the customer, and the recording also takes a long process to quality inspection, greatly reducing the efficiency of the problem.
  • the current insurance information of the customer fed back by the smart terminal is obtained, and the current insurance information of the customer is correspondingly Filling the pre-stored policy template to generate a policy to be stored and sent to the printer for insurance policy printing;
  • the customer initial insurance information is not insured.
  • the insured method wherein the step of acquiring the initial insured information of the customer, generating a push link including the insurance policy, and transmitting the push link to the smart terminal corresponding to the initial insurance information of the customer includes:
  • Obtain initial customer insurance information including at least the name of the insured, the insured contact number, and the type of insurance;
  • the insured method wherein when the insurance policy has agreed to the instruction within the preset effective payment time threshold and the insured payment instruction corresponding to the push link is detected, obtaining the current customer feedback by the smart terminal Invoicing information, the step of filling the customer's current insurance information into the pre-stored policy template generation insurance policy and storing it to the printer for the insurance policy printing includes:
  • the customer When it is detected within the preset effective payment time threshold that the insurance policy has agreed to the instruction and the insured payment instruction corresponding to the push link is detected, the customer is prompted to initially insure the information, and the initial insurance is received by the customer.
  • the current insurance information of the customer composed of information and supplementary insurance information;
  • the insured method wherein when the insurance policy has agreed to the instruction within the preset effective payment time threshold, or the insured payment instruction corresponding to the push link is not detected, the customer is prompted to initially insure the information In the steps that are not insured, it also includes:
  • the cancellation prompts the customer that the initial insurance information is not insured, and continues the effective payment time threshold.
  • the prompt information indicating that the customer's initial insurance information is not insured is displayed.
  • the insured method wherein when the insurance policy has agreed to the instruction within the preset effective payment time threshold, or the insured payment instruction corresponding to the push link is not detected, the customer is prompted to initially insure the information In the steps that are not insured, it also includes:
  • An insurance device wherein the insurance device comprises a processor, a memory and a communication bus;
  • the communication bus is used to implement connection communication between a processor and a memory
  • the processor is configured to execute an insurance program stored in the memory to implement the following steps:
  • the current insurance information of the customer fed back by the smart terminal is obtained, and the current insurance information of the customer is correspondingly Filling the pre-stored policy template to generate a policy to be stored and sent to the printer for insurance policy printing;
  • the customer initial insurance information is not insured.
  • the insured device wherein the step of acquiring the initial insured information of the customer, generating a push link including the insurance policy, and transmitting the push link to the smart terminal corresponding to the initial insured information of the customer includes:
  • Obtain initial customer insurance information including at least the name of the insured, the insured contact number, and the type of insurance;
  • the insured device wherein when the insurance policy has agreed to the instruction within the preset effective payment time threshold and the insured payment instruction corresponding to the push link is detected, obtaining the current customer feedback by the smart terminal Invoicing information, the step of filling the customer's current insurance information into the pre-stored policy template generation insurance policy and storing it to the printer for the insurance policy printing includes:
  • the customer When it is detected within the preset effective payment time threshold that the insurance policy has agreed to the instruction and the insured payment instruction corresponding to the push link is detected, the customer is prompted to initially insure the information, and the initial insurance is received by the customer.
  • the current insurance information of the customer composed of information and supplementary insurance information;
  • the insured device wherein when the insurance policy has agreed to the instruction within the preset effective payment time threshold, or the insured payment instruction corresponding to the push link is not detected, the customer is prompted to initially insure the information In the steps that are not insured, it also includes:
  • the cancellation prompts the customer that the initial insurance information is not insured, and continues the effective payment time threshold.
  • the prompt information indicating that the customer's initial insurance information is not insured is displayed.
  • a storage medium wherein the storage medium stores one or more programs, the one or more programs being executable by one or more processors to implement the steps of the method of insuring.
  • the insured method, equipment and storage medium provided by the present application, after a simple insurance communication between the customer and the agent, the agent pushes a link including the insurance policy and the confirmation operation button to the customer, so that no customer service is required.
  • the agent pushes a link including the insurance policy and the confirmation operation button to the customer, so that no customer service is required.
  • the customer only needs to open the link after checking the phone to view the insurance regulations and basic policy information, and after confirming the order, click the OK button to complete the payment to complete the insurance, and the policy will be automatically generated by the background.
  • the seat can save the notice of the insurance regulations.
  • the quality inspection is taken, this part of the electronic insurance customers is filtered out, and the quality inspection department is also relieved of a lot of work.
  • the step of creating an electronic policy by the agent is also omitted, greatly improving the efficiency of insurance.
  • step S100 is a flowchart of step S100 in the preferred embodiment of the method for insuring according to the present application
  • step S200 is a flowchart of step S200 in the preferred embodiment of the method for insuring according to the present application;
  • FIG. 4 is a schematic diagram of an operating environment of a preferred embodiment of the application for insurance according to the present application.
  • FIG. 5 is a functional block diagram of a preferred embodiment of the insurance application program according to the present application.
  • FIG. 1 is a flow chart of a preferred embodiment of the insurance application method described in the present application. As shown in FIG. 1, the insurance method includes the following steps:
  • Step S100 Acquire a customer initial insurance information, generate a push link including an insurance policy, and send the push link to the smart terminal corresponding to the customer initial insurance information.
  • the agent can establish communication with the customer, and obtain the initial insurance information of the customer during the communication process (the initial insurance information of the customer includes at least the name of the insured, and the insurance is insured. Person contact number and type of insurance type).
  • the customer's initial insurance information is obtained, it is populated into the entry interface of the policy insurance link automatic generation program, and the policy insurance link automatic generation program generates a push link including the insurance policy. Since the initial insured information of the customer includes at least the insured contact number, the push link can be sent to the smart terminal corresponding to the insured contact number. In this way, it is not necessary to read the insurance-related regulations from the seat to the insured in the process of communication, saving time.
  • Step S200 When it is detected that the insurance policy has agreed to the instruction within the preset effective payment time threshold, and the insured payment instruction corresponding to the push link is detected, the current insurance information of the customer fed back by the smart terminal is obtained, and the current customer is The insurance information is correspondingly filled to the pre-stored policy template generation insurance policy and stored, and sent to the print terminal for insurance policy printing.
  • an effective payment time threshold (for example, 30 minutes) is set in advance.
  • the background corresponding to the agent detects the insured payment instruction corresponding to the push link within the preset effective payment time threshold, it indicates that the applicant has opened the push link and after the insurance policy is read, the customer initially insures The information is supplemented with insurance information and the policy payment is completed.
  • the current insurance information of the customer fed back by the smart terminal is obtained, and the current insurance information of the customer is correspondingly filled into the policy template to generate an insurance policy for storage, and then sent to the print terminal for printing the insurance policy. Since the paper electronic insurance policy is also required to be delivered to the applicant, the current insurance information of the customer needs to be sent to the printing end, and the current insurance information of the customer is automatically printed by the printing terminal.
  • Step S300 When the insurance policy has agreed to the instruction within the preset effective payment time threshold, or the insured payment instruction corresponding to the push link is not detected, the customer is prompted that the initial insurance information is not insured.
  • the insurance policy when the insurance policy has agreed to the instruction within the preset effective payment time threshold, or the insured payment instruction corresponding to the push link is not detected, it indicates that the user does not push the push within the effective payment time threshold.
  • the link reads the insurance regulations, or does not supplement the insurance information and does not pay the policy.
  • the step S100 includes:
  • Step S101 Acquire initial customer insurance information including at least the name of the applicant, the contact number of the applicant, and the type of insurance.
  • the agent when the applicant receives the call from the agent, the agent obtains the initial insurance information of the customer including the name of the applicant, the contact number of the applicant, the type of insurance type, and the amount of the insurance, through communication with the applicant. And fill it into the entry interface of the policy insurance link automatic generation program.
  • the agent can be a manual seat or a smart voice seat. As long as the initial insurance information can be obtained, it is not limited to the above two seats.
  • Step S102 Generate a push link including an insurance policy and a confirmation virtual button, and send the push link to the smart terminal corresponding to the applicant's contact number.
  • the entry interface of the policy insurance link automatic generation program after the initial insurance information of the customer is entered, the selected insurance regulations, the types of insurance types, the link validity period, and the like are also entered into the policy insurance link automatically.
  • a push link containing the insurance policy and the confirmation order virtual button is automatically generated. The push link is automatically pushed to the corresponding smart terminal according to the insured contact number for the insured to click to view, so that the insurance regulations are not required to be read by the agent, thereby improving the efficiency.
  • the step S200 includes:
  • Step S201 When it is detected that the insurance policy has agreed to the instruction within the preset effective payment time threshold, and the insured payment instruction corresponding to the push link is detected, prompting the customer that the initial insurance information has been correspondingly insured, and receiving The customer's initial insurance information and the supplementary insurance information constitute the customer's current insurance information.
  • the background corresponding to the agent when the background corresponding to the agent detects the insured payment instruction corresponding to the push link within the effective payment time threshold, the background prompts the customer that the initial insurance information has been insured by the voice prompt or the pop-up window.
  • the initial insurance information that is, supplementary insurance information. It includes at least the amount of insurance, the number of years of insurance, etc.
  • the current insurance information of the customer is sent to the background corresponding to the agent.
  • the background prompts through the voice prompt or the pop-up window, which can effectively prompt the agent to push the link to get the payment of the policyholder in time.
  • step S202 the current insurance information of the customer is correspondingly filled into the policy template to generate an insurance policy, and the current insurance information of the customer corresponding to the insurance policy is stored in the data table.
  • the current insurance information of the customer is first filled into the policy template to generate an insurance policy, and then stored in a corresponding area in the data table. For example, if customer A returns the customer's current insurance information, customer A's current insurance information is stored in the corresponding data row of customer A information in the data table in the background. In this way, the current insurance information of the customer feedback is stored in the background in time, which avoids the loss of data in the process of multiple transmissions, and ensures data security.
  • Step S203 Send the insurance policy to the printing end to print the insurance policy.
  • the insurance policy After completing the storage of the customer's current insurance information in the background, the insurance policy needs to be sent to the printing end, and the data integrity check of the insurance policy is completed on the printing end (ie, it is checked whether the customer's current insurance information includes at least the name of the policyholder, and the insurance is insured.
  • the printing terminal After the contact number, the type of insurance, the amount of insurance, the number of years of insurance, etc., the printing terminal automatically prints the insurance policy, and the paper insurance policy is stamped and processed to the customer. In this way, the whole process of automation is insured and the efficiency of the service is improved.
  • the step S300 further includes:
  • the cancellation prompts the customer that the initial insurance information is not insured, and continues the effective payment time threshold.
  • the prompt information indicating that the customer's initial insurance information is not insured is displayed.
  • the push link corresponding to the initial insurance information of the customer when it is detected that the push link corresponding to the initial insurance information of the customer is sent to the smart terminal, and the cumulative number of transmissions corresponding to the push link is greater than or equal to 2, it indicates that the background is again or the Nth time (N ⁇ 2)
  • the push link is sent to the smart terminal to prompt the insured to place the insurance in time.
  • the front-end display of the background does not pass the uninsured list to prompt the customer that the initial insurance information is not insured, that is, the background.
  • the front-end display side only displays the initial insurance information of the customer who has not been timely fed back to the smart terminal by the background. In this way, the front-end display of the background highlights the unpaid customer information, prompting the agent to continue to contact the follow-up customer for insurance.
  • the server may correspond to the background, and the background includes the front-end display and the back-end management server.
  • the background does not detect the insurance policy has been approved within the preset effective payment time threshold.
  • the insured payment instruction corresponding to the push link is not detected, each insured person corresponding to the list of uninsured persons displayed on the display needs to automatically push the corresponding push link to the policyholder correspondingly in the background.
  • the smart terminal if a push link is pushed out in the list of uninsured persons displayed on the display, the corresponding insured person temporarily disappears from the list of insured persons, and only shows that the backend has not been timely fed back to the smart terminal.
  • the uninsured person list formed by the customer's initial insurance information that is, when the same customer is sent the push link for the second time (or the second time or more) in the background, the display is automatically canceled from the list of uninsured persons, and Transfer to the background, the maximum duration of the automatic un-insurance column is temporarily canceled and transferred to the background is valid Hours threshold value, the effective time of payment once a threshold is not detected the user to pay the insured, the applicant is not redisplayed in the list on the display.
  • the step S300 further includes:
  • the push link when the background corresponding to the agent initially acquires the initial insurance information of the client and generates a push link including the insurance policy, the push link has a link validity period (for example, two days).
  • the link validity period as long as the push link is not clicked and the payment is successful, the push link can be continuously sent from the background to the corresponding smart terminal, thereby realizing an effective reminder for the customer to insure.
  • the unsuccessfully paid push link will not be sent to the smart terminal by the background, and the background system will be automatically revoked or manually revoked. In this way, it ensures that there are not too many push links in the background, which effectively reduces the running pressure in the background.
  • the present application also provides an insurance device.
  • the insurance device includes a processor 11, a memory 12, and a communication bus;
  • the communication bus is used to implement connection communication between a processor and a memory
  • the processor is configured to execute an insurance program stored in the memory to implement the following steps:
  • the current insurance information of the customer fed back by the smart terminal is obtained, and the current insurance information of the customer is correspondingly Filling the pre-stored policy template to generate a policy to be stored and sent to the printer for insurance policy printing;
  • the customer initial insurance information is not insured.
  • the insurance application 10 is installed and operated in the electronic device 1.
  • the electronic device 1 may be a computing device such as a desktop computer, a notebook, a palmtop computer, or a server.
  • the electronic device 1 may include, but is not limited to, a memory 11, a processor 12, and a display 13.
  • Figure 4 shows only the electronic device 1 with components 11-13, but it should be understood that not all illustrated components may be implemented, and more or fewer components may be implemented instead.
  • the memory 11 may be an internal storage unit of the electronic device 1, such as a hard disk or memory of the electronic device 1, in some embodiments.
  • the memory 11 may also be an external storage device of the electronic device 1 in other embodiments, such as a plug-in hard disk equipped on the electronic device 1, a smart memory card (Smart Media Card, SMC), Secure Digital (SD) card, flash card (Flash) Card) and so on.
  • the memory 11 may also include both an internal storage unit of the electronic device 1 and an external storage device.
  • the memory 11 is configured to store application software and various types of data installed in the electronic device 1, such as program codes of the insurance program 10.
  • the memory 11 can also be used to temporarily store data that has been output or is about to be output.
  • the processor 12 may be a central processing unit (Central Processing Unit) in some embodiments.
  • the display 13 may be an LED display, a liquid crystal display, a touch liquid crystal display, and an OLED (Organic) in some embodiments. Light-Emitting Diode, organic light emitting diodes), etc.
  • the display 13 is used to display information processed in the electronic device 1 and a user interface for displaying visualization, such as an application menu interface, an application icon interface, and the like.
  • the components 11-13 of the electronic device 1 communicate with one another via a system bus.
  • FIG. 5 is a functional block diagram of a preferred embodiment of the application security program 10 of the present application.
  • the insurance program 10 may be divided into one or more modules, and the one or more modules are stored in the memory 11 and are processed by one or more processors (this Embodiments are performed by the processor 12) to complete the application.
  • the insurance program 10 described above may be divided into a link push module 21, an information acquisition and transmission print module 22, and an unpaid prompt module 23.
  • a module referred to in this application refers to a series of computer program instructions that are capable of performing a particular function, and are more suitable than the program to describe the execution of the application program 10 in the electronic device 1. The following description will specifically describe the functions of the modules 21-23.
  • the link pushing module 21 is configured to acquire initial insurance information of the customer, generate a push link including the insurance policy, and send the push link to the smart terminal corresponding to the initial insurance information of the customer;
  • the information obtaining and sending and printing module 22 is configured to acquire the customer fed back by the smart terminal when detecting the insurance policy has agreed to the instruction within the preset effective payment time threshold and detecting the insured payment instruction corresponding to the push link
  • the current insurance information, the customer's current insurance information is correspondingly filled to the pre-stored policy template generation insurance policy, and then sent to the print terminal for the insurance policy printing;
  • the unpaid prompting module 23 is configured to prompt the customer to initially insure the insurance information when the insurance policy has not been detected within the preset effective payment time threshold, or the insured payment instruction corresponding to the push link is not detected. Insured.
  • the step of acquiring the initial insured information of the customer, generating a push link including the insurance policy, and transmitting the push link to the smart terminal corresponding to the initial insurance information of the customer includes:
  • Obtain initial customer insurance information including at least the name of the insured, the insured contact number, and the type of insurance;
  • a push link that includes the insurance policy and the confirmation virtual button is generated, and the push link is sent to the smart terminal corresponding to the insured person's contact number.
  • the insured device when the insurance policy has agreed to the instruction within the preset effective payment time threshold, and the insured payment instruction corresponding to the push link is detected, obtaining the feedback by the smart terminal.
  • the customer's current insurance information, the customer's current insurance information corresponding to the pre-stored policy template generation insurance policy is stored and sent to the print terminal for insurance policy printing steps include:
  • the customer When it is detected within the preset effective payment time threshold that the insurance policy has agreed to the instruction and the insured payment instruction corresponding to the push link is detected, the customer is prompted to initially insure the information, and the initial insurance is received by the customer.
  • the current insurance information of the customer composed of information and supplementary insurance information;
  • the policy is sent to the printer for the policy to be printed.
  • the printer for the policy to be printed.
  • the customer is prompted
  • the initial insurance information is not insured, it also includes:
  • the cancellation prompts the customer that the initial insurance information is not insured, and continues the effective payment time threshold.
  • the prompt information indicating that the customer's initial insurance information is not insured will be displayed for display; for specific implementation, please refer to the method. The embodiment is not described here.
  • the present application also provides a storage medium (ie, a computer readable storage medium, which may also be referred to as a memory).
  • the storage medium stores one or more programs that can be executed by one or more processors to implement the steps of the method of insuring.
  • the method, device and storage medium provided by the application provide a link including an insurance policy and an operation button for confirming an order to the customer after a simple insurance communication between the client and the agent.
  • the customer only needs to open the link after checking the phone to view the insurance regulations and basic policy information, and after confirming the order, click the OK button to complete the payment to complete the insurance, and the policy will be automatically generated by the background.
  • the seat can save the notice of the insurance regulations.
  • the quality inspection is taken, this part of the electronic insurance customers is filtered out, and the quality inspection department is also relieved of a lot of work.
  • the step of creating an electronic policy by the agent is also omitted, greatly improving the efficiency of insurance.

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Abstract

本申请提供了一种投保方法、设备及存储介质，方法包括：获取客户初始投保信息，生成包含有保险条例的推送链接，将推送链接发送至对应的智能终端；当在有效支付时间阈值内检测到与推送链接相对应的已投保支付指令时，获取反馈的客户当前投保信息，并将客户当前投保信息发送至打印端进行投保单打印；当未在有效支付时间阈值内检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息未进行投保。本申请中客户只需点开推送链接查看保险条例等信息，并在确定下单后完成支付即可由后台自动生成保单，极大提高投保效率。

Description

一种投保方法、设备及存储介质
本申请要求于2017年8月3日提交中国专利局、申请号为201710655693.1发明名称为“一种投保方法、设备及存储介质”的中国专利申请的优先权，其全部内容通过引用结合在申请中。
技术领域
本申请涉及互联网投保技术领域，尤其涉及一种投保方法、设备及存储介质。
背景技术
随着保监会条例，坐席在保单生成后，提交送单时，需要与客户确认保险相关条例。该步骤需要耗费坐席3到5分钟时间，将保险相关条例在电话中读给客户听，而且大多数客户在与坐席沟通的过程中并不能当场立马决定是否投保单，这样就会极大的降低坐席工作效率。同时，质检部门也要要抽查这部分坐席电话录音，花费大量人力。
因此，现有技术还有待于改进和发展。
上述内容仅用于辅助理解本申请的技术方案，并不代表承认上述内容是现有技术。
发明内容
本申请针对上述现有技术的不足之处，本申请的目的在于提供一种投保方法、设备及存储介质，旨在解决现有技术中通过人工坐席接收投保时，需要耗费一段时间将保险相关条例读给客户听，且录音还需耗费较长过程去质检，极大降低效率的问题。
为了达到上述目的，本申请采取了以下技术方案：
一种投保方法，其中，所述方法包括以下步骤：
获取客户初始投保信息，生成包含有保险条例的推送链接，将推送链接发送至与客户初始投保信息对应的智能终端；
当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，获取由智能终端反馈的客户当前投保信息，将客户当前投保信息对应填充至预先存储的保单模板生成投保单进行存储后并发送至打印端进行投保单打印；
当在预设的有效支付时间阈值内未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息未进行投保。
所述投保方法，其中，所述获取客户初始投保信息，生成包含有保险条例的推送链接，将推送链接发送至与客户初始投保信息对应的智能终端的步骤中包括：
获取至少包括投保人姓名、投保人联系号码及投保险种类型的客户初始投保信息；
生成包含有保险条例和确认下单虚拟按钮的推送链接，并将推送链接发送至与投保人联系号码对应的智能终端上。
所述投保方法，其中，所述当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，获取由智能终端反馈的客户当前投保信息，将客户当前投保信息对应填充至预先存储的保单模板生成投保单进行存储后并发送至打印端进行投保单打印的步骤中包括：
当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息已对应进行投保，并接收由客户初始投保信息及补充投保信息组成的客户当前投保信息；
将客户当前投保信息对应填充至所述保单模板生成投保单，并将投保单对应的客户当前投保信息存储至数据表；
将投保单发送至打印端进行投保单打印。
所述投保方法，其中，所述当在预设的有效支付时间阈值内未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息未进行投保的步骤中，还包括：
当检测到与客户初始投保信息对应的推送链接发送至智能终端、且推送链接对应的累计发送次数大于或等于2时，则取消提示客户初始投保信息未进行投保，在持续所述有效支付时间阈值的时间段内仍未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令，则将提示客户初始投保信息未进行投保的提示信息进行显示。
所述投保方法，其中，所述当在预设的有效支付时间阈值内未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息未进行投保的步骤中，还包括：
获取所述推送链接中包括的链接有效周期，并判断在链接有效周期内是否检测到与推送链接相对应的已投保支付指令，若在链接有效周期内未检测到与推送链接相对应的已投保支付指令、则撤销提示客户初始投保信息未进行投保。
一种投保设备，其中，所述投保设备包括处理器、存储器及通信总线；
所述通信总线用于实现处理器和存储器之间的连接通信；
所述处理器用于执行存储器中存储的投保程序，以实现以下步骤：
获取客户初始投保信息，生成包含有保险条例的推送链接，将推送链接发送至与客户初始投保信息对应的智能终端；
当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，获取由智能终端反馈的客户当前投保信息，将客户当前投保信息对应填充至预先存储的保单模板生成投保单进行存储后并发送至打印端进行投保单打印；
当在预设的有效支付时间阈值内未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息未进行投保。
所述投保设备，其中，所述获取客户初始投保信息，生成包含有保险条例的推送链接，将推送链接发送至与客户初始投保信息对应的智能终端的步骤包括：
获取至少包括投保人姓名、投保人联系号码及投保险种类型的客户初始投保信息；
生成包含有保险条例和确认下单虚拟按钮的推送链接，并将推送链接发送至与投保人联系号码对应的智能终端上。
所述投保设备，其中，所述当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，获取由智能终端反馈的客户当前投保信息，将客户当前投保信息对应填充至预先存储的保单模板生成投保单进行存储后并发送至打印端进行投保单打印的步骤包括：
当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息已对应进行投保，并接收由客户初始投保信息及补充投保信息组成的客户当前投保信息；
将客户当前投保信息对应填充至所述保单模板生成投保单，并将投保单对应的客户当前投保信息存储至数据表；
将投保单发送至打印端进行投保单打印。
所述投保设备，其中，所述当在预设的有效支付时间阈值内未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息未进行投保的步骤中，还包括：
当检测到与客户初始投保信息对应的推送链接发送至智能终端、且推送链接对应的累计发送次数大于或等于2时，则取消提示客户初始投保信息未进行投保，在持续所述有效支付时间阈值的时间段内仍未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令，则将提示客户初始投保信息未进行投保的提示信息进行显示。
一种存储介质，其中，所述存储介质存储有一个或者多个程序，所述一个或者多个程序可被一个或者多个处理器执行，以实现所述投保方法的步骤。
有益效果：本申请提供的投保方法、设备及存储介质，通过在客户与坐席做了简单的投保沟通后，由坐席向客户推送包含有保险条例和确认下单操作按钮的链接，这样无需坐席客服继续通过口述的方式向客户宣读保险条例。客户只需在挂断电话后点开链接查看保险条例、基本保单信息，并在确定下单后点击确定下单操作按钮完成支付即可完成投保，并由后台自动生成保单。坐席可以省掉保险条例的告知。同时，在质检抽取时，过滤掉这部分电子投保客户，也免去了质检部门大量工作。而且，由坐席创建电子保单这一步骤也省去，极大提高了投保效率。
附图说明
图1为本申请所述的投保方法较佳实施例的流程图；
图2为本申请所述的投保方法较佳实施例中步骤S100的流程图；
图3为本申请所述的投保方法较佳实施例中步骤S200的流程图；
图4为本申请所述的投保程序较佳实施例的运行环境示意图；
图5为本申请所述的投保程序较佳实施例的功能模块图；
本申请目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
本申请提供一种投保方法、设备及存储介质，为使本申请的目的、技术方案及效果更加清楚、明确，以下参照附图并举实施例对本申请进一步详细说明。应当理解，此处所描述的具体实施例仅用以解释本申请，并不用于限定本申请。
请参阅图1，是本申请所述的投保方法较佳实施例的流程图。如图1所示，所述投保方法，包括以下步骤：
步骤S100、获取客户初始投保信息，生成包含有保险条例的推送链接，将推送链接发送至与客户初始投保信息对应的智能终端。
本实施例中，坐席从后台数据库中获取了投保人联系号码（如手机号码）后，可以与其建立通讯，并在通讯过程中获取客户初始投保信息（客户初始投保信息至少包括投保人姓名、投保人联系号码及投保险种类型）。在获取了客户初始投保信息后，将其填充至保单投保链接自动生成程序的录入界面中，并由该保单投保链接自动生成程序生成包含有保险条例的推送链接。由于客户初始投保信息中至少包括投保人联系号码，故可将推送链接发送至与投保人联系号码对应的智能终端。这样，就无需在通讯的过程中将保险相关条例由坐席读给投保人听，节省了时间。
步骤S200、当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，获取由智能终端反馈的客户当前投保信息，将客户当前投保信息对应填充至预先存储的保单模板生成投保单进行存储后并发送至打印端进行投保单打印。
本实施例中，在步骤S100之前，预先设置一有效支付时间阈值（如30分钟）。当与坐席对应的后台在预设的有效支付时间阈值内检测到与推送链接相对应的已投保支付指令时，则表示投保人已点开推送链接并在阅读了保险条例后，在客户初始投保信息中补充投保信息并完成保单支付。此时获取由智能终端反馈的客户当前投保信息，将客户当前投保信息对应填充至所述保单模板生成投保单进行存储后发送至打印端进行投保单打印。由于还需将纸质的电子保单快递给投保人，故此时还需将客户当前投保信息发送至打印端，并由打印端自动将客户当前投保信息进行打印。
步骤S300、当在预设的有效支付时间阈值内未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息未进行投保。
显然，当在预设的有效支付时间阈值内未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令时，则表示用户在有效支付时间阈值内未点开推送链接进行保险条例的阅读、或没有进行投保信息的补充及或没有进行保单支付。此时需对后台的坐席提示客户初始投保信息未进行投保。这样，后台的坐席就能有效的跟踪每一保单的投保信息。
优选的，如图2所示，在所述投保方法中，所述步骤S100包括：
步骤S101、获取至少包括投保人姓名、投保人联系号码及投保险种类型的客户初始投保信息。
本实施例中，当投保人在接到坐席的电话后，坐席会通过与投保人的沟通来获取包括投保人姓名、投保人联系号码、投保险种类型、投保金额等信息的客户初始投保信息，并将其填充至保单投保链接自动生成程序的录入界面中。此时坐席可以是人工坐席，也可以是智能语音坐席，只要能实现获取客户初始投保信息即可，并不局限于上述两种坐席方式。
步骤S102、生成包含有保险条例和确认下单虚拟按钮的推送链接，并将推送链接发送至与投保人联系号码对应的智能终端上。
本实施例中，在保单投保链接自动生成程序的录入界面中，录入了客户初始投保信息后，将选定的保险条例，险种可选种类、链接有效周期等信息同时也录入到保单投保链接自动生成程序中，会自动生成包含有保险条例和确认下单虚拟按钮的推送链接。所述推送链接就会根据投保人联系号码，自动被推送至相应的智能终端上以供投保人点击查看，这样就无需通过坐席朗读保险条例，提高了效率。
优选的，如图3所示，在所述投保方法中，所述步骤S200包括：
步骤S201、当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息已对应进行投保，并接收由客户初始投保信息及补充投保信息组成的客户当前投保信息。
本实施例中，当与坐席对应的后台在有效支付时间阈值内检测到与推送链接相对应的已投保支付指令时，则后台通过语音提示或者弹窗提示客户初始投保信息已对应进行投保。显然，投保人在点开了推送链接后，在阅读了保险条例，基于客户初始投保信息补充了更多投保信息（即补充投保信息。其至少包括投保金额、投保年限等信息）得到客户当前投保信息，并在点击了界面中确认下单虚拟按钮后，会将客户当前投保信息发送至与坐席对应的后台。这样，后台通过语音提示或者弹窗提示，能有效的提示坐席推送链接是否及时得到投保人的支付。
步骤S202、将客户当前投保信息对应填充至所述保单模板生成投保单，并将投保单对应的客户当前投保信息存储至数据表。
本实施例中，当后台接收了客户当前投保信息后需先将客户当前投保信息对应填充至所述保单模板生成投保单，然后将其储存至数据表中相对应的区域。例如，有客户A反馈了客户当前投保信息，则客户A的客户当前投保信息存储在后台的数据表中含有客户A信息的相应行中。这样，在后台中及时的存储了客户反馈的客户当前投保信息，避免了数据在多次传输的过程中发生丢失，确保了数据安全。
步骤S203、将投保单发送至打印端进行投保单打印。
在后台完成了客户当前投保信息的存储后，需要将投保单发送至打印端，在打印端完成了对投保单的数据完整性校验（即检验客户当前投保信息是否至少包括投保人姓名、投保人联系号码、投保险种类型、投保金额、投保年限等信息）后，由打印端自动打印投保单，并将纸质的投保单进行盖章等处理后快递至客户。这样，实现了全程自动化的投保，提高了服务的效率。
优选的，在所述投保方法中，所述步骤S300还包括：
当检测到与客户初始投保信息对应的推送链接发送至智能终端、且推送链接对应的累计发送次数大于或等于2时，则取消提示客户初始投保信息未进行投保，在持续所述有效支付时间阈值的时间段内仍未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令，则将提示客户初始投保信息未进行投保的提示信息进行显示。
本实施例中，当检测到与客户初始投保信息对应的推送链接发送至智能终端、且推送链接对应的累计发送次数大于或等于2时，则表示后台再次或者第N次（N≥2）将推送链接发送至智能终端以提示投保人及时下单投保，每次将推送链接发送至智能终端时，后台的前端显示器就不通过未投保人列表来提示客户初始投保信息未进行投保，也就是后台的前端显示端上只显示还未由后台及时反馈至智能终端的客户初始投保信息。这样后台的前端显示端高亮提示未支付投保的客户信息，以提示坐席继续联系跟进客户投保。
更具体的，实施例中，服务器可对应后台，后台则包括前端的显示器及后端的管理服务器，当投保人未投保（即后台在预设的有效支付时间阈值内未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令）时，显示器上所显示的未投保人列表中所对应的每一投保人，都需要后台再次自动推送对应的推送链接到投保人对应的智能终端上，显示器上所显示的未投保人列表中每被推送出一条推送链接，则相应的投保人则从未投保人列表中暂时消失，只显示还未由后台及时反馈至智能终端的客户初始投保信息所组成的未投保人列表，也就是同一个客户被后台第二次（或第二次以上）发送推送链接时，则自动从未投保人列表中暂时取消由显示屏显示、并转入到后台，自动从未投保人列中暂时取消显示并转入到后台的最大持续时间为有效支付时间阈值，一旦在有效支付时间阈值内还是没有检测到用户支付以投保，则重新显示在显示器上的未投保人列表中。
优选的，在所述投保方法中，所述步骤S300中，还包括：
获取所述推送链接中包括的链接有效周期，并判断在链接有效周期内是否检测到与推送链接相对应的已投保支付指令，若在链接有效周期内未检测到与推送链接相对应的已投保支付指令、则撤销提示客户初始投保信息未进行投保。
本实施例中，与坐席对应的后台在初始获取客户初始投保信息，并生成包含有保险条例的推送链接时，这一推送链接是有链接有效周期的（例如两天）。在链接有效周期内，只要该推送链接没被点击且支付成功，则该推送链接可以不断的由后台发送至对应的智能终端，实现了对客户投保的有效提醒。但一旦超出该推送链接的链接有效周期，这一未被成功支付的推送链接就不会再由后台发送至智能终端，并有后台的系统自动撤销或者手工撤销。这样，确保了后台不会积压太多推送链接，有效的降低了后台的运行压力。同时，在质检抽取时，过滤掉这部分电子投保客户，也免去了质检部门大量工作。而且，由坐席创建电子保单这一步骤也省去，极大提高了投保效率。
基于上述投保方法，本申请还提供了一种投保设备。如图4所示，所述投保设备包括处理器11、存储器12及通信总线；
所述通信总线用于实现处理器和存储器之间的连接通信；
所述处理器用于执行存储器中存储的投保程序，以实现以下步骤：
获取客户初始投保信息，生成包含有保险条例的推送链接，将推送链接发送至与客户初始投保信息对应的智能终端；
当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，获取由智能终端反馈的客户当前投保信息，将客户当前投保信息对应填充至预先存储的保单模板生成投保单进行存储后并发送至打印端进行投保单打印；
当在预设的有效支付时间阈值内未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息未进行投保。
在本实施例中，所述的投保程序10安装并运行于电子装置1中。所述电子装置1可以是桌上型计算机、笔记本、掌上电脑及服务器等计算设备。该电子装置1可包括，但不仅限于，存储器11、处理器12及显示器13。图4仅示出了具有组件11-13的电子装置1，但是应理解的是，并不要求实施所有示出的组件，可以替代的实施更多或者更少的组件。
所述存储器11在一些实施例中可以是所述电子装置1的内部存储单元，例如该电子装置1的硬盘或内存。所述存储器11在另一些实施例中也可以是所述电子装置1的外部存储设备，例如所述电子装置1上配备的插接式硬盘，智能存储卡（Smart Media Card, SMC），安全数字（Secure Digital, SD）卡，闪存卡（Flash Card）等。进一步地，所述存储器11还可以既包括所述电子装置1的内部存储单元也包括外部存储设备。所述存储器11用于存储安装于所述电子装置1的应用软件及各类数据，例如所述投保程序10的程序代码等。所述存储器11还可以用于暂时地存储已经输出或者将要输出的数据。
所述处理器12在一些实施例中可以是一中央处理器（Central Processing Unit, CPU），微处理器或其他数据处理芯片，用于运行所述存储器11中存储的程序代码或处理数据，例如执行所述投保程序10等。
所述显示器13在一些实施例中可以是LED显示器、液晶显示器、触控式液晶显示器以及OLED（Organic Light-Emitting Diode，有机发光二极管）触摸器等。所述显示器13用于显示在所述电子装置1中处理的信息以及用于显示可视化的用户界面，例如应用菜单界面、应用图标界面等。所述电子装置1的部件11-13通过系统总线相互通信。
请参阅图5，是本申请安投保程序10较佳实施例的功能模块图。在本实施例中，所述的所述投保程序10可以被分割成一个或多个模块，所述一个或者多个模块被存储于所述存储器11中，并由一个或多个处理器（本实施例为所述处理器12）所执行，以完成本申请。例如，在图5中，所述的所述投保程序10可以被分割成链接推送模块21、信息获取及发送打印模块22及未支付提示模块23。本申请所称的模块是指能够完成特定功能的一系列计算机程序指令段，比程序更适合于描述所述投保程序10在所述电子装置1中的执行过程。以下描述将具体介绍所述模块21-23的功能。
链接推送模块21，用于获取客户初始投保信息，生成包含有保险条例的推送链接，将推送链接发送至与客户初始投保信息对应的智能终端；
信息获取及发送打印模块22，用于当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，获取由智能终端反馈的客户当前投保信息，将客户当前投保信息对应填充至预先存储的保单模板生成投保单进行存储后并发送至打印端进行投保单打印；
未支付提示模块23，用于当当在预设的有效支付时间阈值内未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息未进行投保。
优选的，在所述投保设备中，所述获取客户初始投保信息，生成包含有保险条例的推送链接，将推送链接发送至与客户初始投保信息对应的智能终端的步骤包括：
获取至少包括投保人姓名、投保人联系号码及投保险种类型的客户初始投保信息；
生成包含有保险条例和确认下单虚拟按钮的推送链接，并将推送链接发送至与投保人联系号码对应的智能终端上；具体实施请参考方法实施例，此处不再赘述。
优选的，在所述投保设备中，所述当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，获取由智能终端反馈的客户当前投保信息，将客户当前投保信息对应填充至预先存储的保单模板生成投保单进行存储后并发送至打印端进行投保单打印的步骤包括：
当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息已对应进行投保，并接收由客户初始投保信息及补充投保信息组成的客户当前投保信息；
将客户当前投保信息对应填充至所述保单模板生成投保单，并将投保单对应的客户当前投保信息存储至数据表；
将投保单发送至打印端进行投保单打印；具体实施请参考方法实施例，此处不再赘述。
优选的，在所述投保设备中，所述当在预设的有效支付时间阈值内未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息未进行投保的步骤中，还包括：
当检测到与客户初始投保信息对应的推送链接发送至智能终端、且推送链接对应的累计发送次数大于或等于2时，则取消提示客户初始投保信息未进行投保，在持续所述有效支付时间阈值的时间段内仍未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令，则将提示客户初始投保信息未进行投保的提示信息进行显示；具体实施请参考方法实施例，此处不再赘述。
基于上述投保方法，本申请还提供了一种存储介质（即计算机可读存储介质，也可称为存储器）。所述存储介质存储有一个或者多个程序，所述一个或者多个程序可被一个或者多个处理器执行，以实现所述的投保方法的步骤。
综上所述，本申请所提供的投保方法、设备及存储介质，通过在客户与坐席做了简单的投保沟通后，由坐席向客户推送包含有保险条例和确认下单操作按钮的链接，这样无需坐席客服继续通过口述的方式向客户宣读保险条例。客户只需在挂断电话后点开链接查看保险条例、基本保单信息，并在确定下单后点击确定下单操作按钮完成支付即可完成投保，并由后台自动生成保单。坐席可以省掉保险条例的告知。同时，在质检抽取时，过滤掉这部分电子投保客户，也免去了质检部门大量工作。而且，由坐席创建电子保单这一步骤也省去，极大提高了投保效率。
以上仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本申请的专利保护范围内。

Claims (20)

  1. 一种投保方法，其中，所述方法包括以下步骤：
    获取客户初始投保信息，生成包含有保险条例的推送链接，将推送链接发送至与客户初始投保信息对应的智能终端；
    当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，获取由智能终端反馈的客户当前投保信息，将客户当前投保信息对应填充至预先存储的保单模板生成投保单进行存储后并发送至打印端进行投保单打印；
    当在预设的有效支付时间阈值内未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息未进行投保。
  2. 根据权利要求1所述投保方法，其中，所述获取客户初始投保信息，生成包含有保险条例的推送链接，将推送链接发送至与客户初始投保信息对应的智能终端的步骤中包括：
    获取至少包括投保人姓名、投保人联系号码及投保险种类型的客户初始投保信息；
    生成包含有保险条例和确认下单虚拟按钮的推送链接，并将推送链接发送至与投保人联系号码对应的智能终端上。
  3. 根据权利要求1所述投保方法，其中，所述当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，获取由智能终端反馈的客户当前投保信息，将客户当前投保信息对应填充至预先存储的保单模板生成投保单进行存储后并发送至打印端进行投保单打印的步骤中包括：
    当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息已对应进行投保，并接收由客户初始投保信息及补充投保信息组成的客户当前投保信息；
    将客户当前投保信息对应填充至所述保单模板生成投保单，并将投保单对应的客户当前投保信息存储至数据表；
    将投保单发送至打印端进行投保单打印。
  4. 根据权利要求1所述投保方法，其中，所述当在预设的有效支付时间阈值内未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息未进行投保的步骤中，还包括：
    当检测到与客户初始投保信息对应的推送链接发送至智能终端、且推送链接对应的累计发送次数大于或等于2时，则取消提示客户初始投保信息未进行投保，在持续所述有效支付时间阈值的时间段内仍未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令，则将提示客户初始投保信息未进行投保的提示信息进行显示。
  5. 根据权利要求4所述投保方法，其中，所述当在预设的有效支付时间阈值内未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息未进行投保中，还包括：
    获取所述推送链接中包括的链接有效周期，并判断在链接有效周期内是否检测到与推送链接相对应的已投保支付指令，若在链接有效周期内未检测到与推送链接相对应的已投保支付指令、则撤销提示客户初始投保信息未进行投保。
  6. 一种投保设备，其中，所述投保设备包括处理器、存储器及通信总线；
    所述通信总线用于实现处理器和存储器之间的连接通信；
    所述处理器用于执行存储器中存储的投保程序，以实现以下步骤：
    获取客户初始投保信息，生成包含有保险条例的推送链接，将推送链接发送至与客户初始投保信息对应的智能终端；
    当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，获取由智能终端反馈的客户当前投保信息，将客户当前投保信息对应填充至预先存储的保单模板生成投保单进行存储后并发送至打印端进行投保单打印；
    当在预设的有效支付时间阈值内未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息未进行投保。
  7. 根据权利要求6所述投保设备，其中，所述获取客户初始投保信息，生成包含有保险条例的推送链接，将推送链接发送至与客户初始投保信息对应的智能终端的步骤包括：
    获取至少包括投保人姓名、投保人联系号码及投保险种类型的客户初始投保信息；
    生成包含有保险条例和确认下单虚拟按钮的推送链接，并将推送链接发送至与投保人联系号码对应的智能终端上。
  8. 根据权利要求6所述投保设备，其中，所述当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，获取由智能终端反馈的客户当前投保信息，将客户当前投保信息对应填充至预先存储的保单模板生成投保单进行存储后并发送至打印端进行投保单打印的步骤包括：
    当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息已对应进行投保，并接收由客户初始投保信息及补充投保信息组成的客户当前投保信息；
    将客户当前投保信息对应填充至所述保单模板生成投保单，并将投保单对应的客户当前投保信息存储至数据表；
    将投保单发送至打印端进行投保单打印。
  9. 根据权利要求6所述投保设备，其中，所述当在预设的有效支付时间阈值内未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息未进行投保的步骤中，还包括：
    当检测到与客户初始投保信息对应的推送链接发送至智能终端、且推送链接对应的累计发送次数大于或等于2时，则取消提示客户初始投保信息未进行投保，在持续所述有效支付时间阈值的时间段内仍未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令，则将提示客户初始投保信息未进行投保的提示信息进行显示。
  10. 根据权利要求9所述投保设备，其中，所述当在预设的有效支付时间阈值内未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息未进行投保中，还包括：
    获取所述推送链接中包括的链接有效周期，并判断在链接有效周期内是否检测到与推送链接相对应的已投保支付指令，若在链接有效周期内未检测到与推送链接相对应的已投保支付指令、则撤销提示客户初始投保信息未进行投保。
  11. 一种存储介质，其中，所述存储介质存储有一个或者多个程序，所述一个或者多个程序可被一个或者多个处理器执行；
    其中所述存储介质上存储有投保程序，所述投保程序被处理器执行时实现以下的步骤：
    获取客户初始投保信息，生成包含有保险条例的推送链接，将推送链接发送至与客户初始投保信息对应的智能终端；
    当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，获取由智能终端反馈的客户当前投保信息，将客户当前投保信息对应填充至预先存储的保单模板生成投保单进行存储后并发送至打印端进行投保单打印；
    当在预设的有效支付时间阈值内未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息未进行投保。
  12. 如权利要求11所述的存储介质，其中，所述投保程序被处理器执行时实现所述获取客户初始投保信息，生成包含有保险条例的推送链接，将推送链接发送至与客户初始投保信息对应的智能终端的步骤中包括：
    获取至少包括投保人姓名、投保人联系号码及投保险种类型的客户初始投保信息；
    生成包含有保险条例和确认下单虚拟按钮的推送链接，并将推送链接发送至与投保人联系号码对应的智能终端上。
  13. 如权利要求11所述的存储介质，其中，所述投保程序被处理器执行时实现所述当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，获取由智能终端反馈的客户当前投保信息，将客户当前投保信息对应填充至预先存储的保单模板生成投保单进行存储后并发送至打印端进行投保单打印的步骤中包括：
    当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息已对应进行投保，并接收由客户初始投保信息及补充投保信息组成的客户当前投保信息；
    将客户当前投保信息对应填充至所述保单模板生成投保单，并将投保单对应的客户当前投保信息存储至数据表；
    将投保单发送至打印端进行投保单打印。
  14. 如权利要求11所述的存储介质，其中，所述投保程序被处理器执行时实现所述当在预设的有效支付时间阈值内未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息未进行投保的步骤中，还包括：
    当检测到与客户初始投保信息对应的推送链接发送至智能终端、且推送链接对应的累计发送次数大于或等于2时，则取消提示客户初始投保信息未进行投保，在持续所述有效支付时间阈值的时间段内仍未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令，则将提示客户初始投保信息未进行投保的提示信息进行显示。
  15. 如权利要求14所述的存储介质，其中，所述投保程序被处理器执行时实现以所述当在预设的有效支付时间阈值内未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息未进行投保中，还包括：
    获取所述推送链接中包括的链接有效周期，并判断在链接有效周期内是否检测到与推送链接相对应的已投保支付指令，若在链接有效周期内未检测到与推送链接相对应的已投保支付指令、则撤销提示客户初始投保信息未进行投保。
  16. 一种投保装置，其中，所述投保装置包括：
    链接推送模块，设置为获取客户初始投保信息，生成包含有保险条例的推送链接，将推送链接发送至与客户初始投保信息对应的智能终端；
    信息获取及发送打印模块，设置为当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，获取由智能终端反馈的客户当前投保信息，将客户当前投保信息对应填充至预先存储的保单模板生成投保单进行存储后并发送至打印端进行投保单打印；
    未支付提示模块，设置为当在预设的有效支付时间阈值内未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息未进行投保。
  17. 如权利要求16所述的投保装置，其中，所述链接推送模块，设置为：
    获取至少包括投保人姓名、投保人联系号码及投保险种类型的客户初始投保信息；
    生成包含有保险条例和确认下单虚拟按钮的推送链接，并将推送链接发送至与投保人联系号码对应的智能终端上。
  18. 如权利要求16所述的投保装置，其中，所述信息获取及发送打印模块，设置为：
    当在预设的有效支付时间阈值内检测到保险条例已同意指令、且检测到与推送链接相对应的已投保支付指令时，则提示客户初始投保信息已对应进行投保，并接收由客户初始投保信息及补充投保信息组成的客户当前投保信息；
    将客户当前投保信息对应填充至所述保单模板生成投保单，并将投保单对应的客户当前投保信息存储至数据表；
    将投保单发送至打印端进行投保单打印。
  19. 如权利要求16所述的投保装置，其中，所述未支付提示模块，设置为：
    当检测到与客户初始投保信息对应的推送链接发送至智能终端、且推送链接对应的累计发送次数大于或等于2时，则取消提示客户初始投保信息未进行投保，在持续所述有效支付时间阈值的时间段内仍未检测到保险条例已同意指令、或未检测到与推送链接相对应的已投保支付指令，则将提示客户初始投保信息未进行投保的提示信息进行显示。
  20. 如权利要求19所述的投保装置，其中，所述未支付提示模块，还设置为：
    获取所述推送链接中包括的链接有效周期，并判断在链接有效周期内是否检测到与推送链接相对应的已投保支付指令，若在链接有效周期内未检测到与推送链接相对应的已投保支付指令、则撤销提示客户初始投保信息未进行投保。
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