WO2019024530A1

WO2019024530A1 - Insurance policy taking out method and device, and storage medium

Info

Publication number: WO2019024530A1
Application number: PCT/CN2018/082624
Authority: WO
Inventors: 蔡灵敏
Original assignee: 平安科技（深圳）有限公司
Priority date: 2017-08-03
Filing date: 2018-04-11
Publication date: 2019-02-07
Also published as: CN107527291A

Abstract

The present application provides an insurance policy taking out method and device, and a storage medium, the method comprising: acquiring initial insurance policy taking out information of a client, to generate a pushing link including insurance regulations, and sending the pushing link to a corresponding smart terminal; upon detection of an instruction indicating that an insurance policy has been taken out, which corresponds to the pushing link, within a valid payment time threshold, acquiring current insurance policy taking out information of the client that is fed back, and sending same to a printing terminal for printing the insurance policy; if no instruction indicating that an insurance policy has been taken out, which corresponds to the pushing link, is detected within the valid payment time threshold, prompting the client that the initial insurance policy has not been taken out. In the present application, the client only needs to click on the pushing link to view information such as insurance regulations, and complete the payment after determining to issue an order, and then the back end can automatically generate an insurance policy, greatly improving the efficiency of taking out an insurance policy.

Description

Insurance method, device and storage medium

This application claims the priority of the Chinese Patent Application entitled "A method of insured, equipment and storage medium" of the Chinese Patent Office, filed on Aug. 3, 2017, the entire disclosure of which is hereby incorporated by reference. .

Technical field

The present application relates to the field of Internet insurance technology, and in particular, to an insurance application method, device, and storage medium.

Background technique

With the regulations of the China Insurance Regulatory Commission, after the policy is issued, 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.

Therefore, the prior art has yet to be improved and developed.

The above content is only used to assist in understanding the technical solutions of the present application, and does not constitute an admission that the above is prior art.

Summary of the invention

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.

In order to achieve the above objectives, the present application adopts the following technical solutions:

An insurance method, wherein the method comprises the following steps:

Obtaining the initial insurance 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;

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 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;

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 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;

Generate a push link containing the insurance policy and confirm the order virtual button, and send the push link to the smart terminal corresponding to the applicant's contact number.

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:

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;

Filling the customer's current insurance information correspondingly to the policy template to generate an insurance policy, and storing the current insurance information of the customer corresponding to the insurance policy to the data table;

Send the insurance policy to the print terminal for insurance policy printing.

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:

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, the cancellation prompts the customer that the initial insurance information is not insured, and continues the effective payment time threshold. During the time period, if the insurance policy has not been detected, or the insured payment instruction corresponding to the push link is not detected, the prompt information indicating that the customer's initial insurance information is not insured is displayed.

Obtaining a link validity period included in the push link, and determining whether an insured payment instruction corresponding to the push link is detected within the link validity period, if the insured corresponding to the push link is not detected within the link validity period If the payment instruction is cancelled, the customer's initial insurance information is not insured.

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 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:

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:

Send the insurance policy to the print terminal for insurance policy printing.

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:

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.

Advantageous Effects: 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. Continue to read the insurance regulations to customers through oral presentation. 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. At the same time, when 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. Moreover, the step of creating an electronic policy by the agent is also omitted, greatly improving the efficiency of insurance.

DRAWINGS

1 is a flow chart of a preferred embodiment of the method for insuring according to the present application;

2 is a flowchart of step S100 in the preferred embodiment of the method for insuring according to the present application;

3 is a flowchart of step S200 in the preferred embodiment of the method for insuring according to the present application;

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.

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

Detailed ways

It is understood that the specific embodiments described herein are merely illustrative of the application and are not intended to be limiting.

The present application provides a method, an apparatus, and a storage medium for insuring the present invention. The objects, technical solutions, and effects of the present application will become more apparent and clear, and the present application will be further described in detail below with reference to the accompanying drawings. It is understood that the specific embodiments described herein are merely illustrative of the application and are not intended to be limiting.

Please refer to FIG. 1 , which 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.

In this embodiment, after the agent obtains the insured contact number (such as the mobile phone number) from the background database, 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). After 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.

In this embodiment, before step S100, an effective payment time threshold (for example, 30 minutes) is set in advance. When 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. At this time, 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.

Obviously, 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. At this point, it is necessary to prompt the agent in the background to indicate that the initial insurance information of the customer has not been insured. In this way, the agent in the background can effectively track the insurance information of each policy.

Preferably, as shown in FIG. 2, in the insured method, 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.

In this embodiment, 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. At this time, 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.

In this embodiment, in 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. In the build program, 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.

Preferably, as shown in FIG. 3, in the insured method, 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.

In this embodiment, 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. Obviously, after the insured has opened the push link, he has read the insurance regulations and added more insurance information based on the customer's initial insurance information (that is, supplementary insurance information. It includes at least the amount of insurance, the number of years of insurance, etc.) and is currently insured by the customer. After the information is confirmed and the order virtual button is confirmed in the interface, the current insurance information of the customer is sent to the background corresponding to the agent. In this way, 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.

In 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.

In this embodiment, after the background information of the customer is received, 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.

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. 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.

Preferably, in the insured method, the step S300 further includes:

In this embodiment, 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. When the push link is sent to the smart terminal, 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.

More specifically, in the embodiment, the server may correspond to the background, and the background includes the front-end display and the back-end management server. When the policyholder is not insured (ie, the background does not detect the insurance policy has been approved within the preset effective payment time threshold). When 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. On 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.

Preferably, in the insured method, the step S300 further includes:

In this embodiment, 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). In 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. However, once the link validity period of the push link is exceeded, 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. At the same time, when 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. Moreover, the step of creating an electronic policy by the agent is also omitted, greatly improving the efficiency of insurance.

Based on the above insurance method, the present application also provides an insurance device. As shown in FIG. 4, the insurance device includes a processor 11, a memory 12, and a communication bus;

In the present embodiment, 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. Further, 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. A CPU, microprocessor or other data processing chip for running program code or processing data stored in said memory 11, for example, executing said insurance program 10 or the like.

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.

Please refer to FIG. 5, which is a functional block diagram of a preferred embodiment of the application security program 10 of the present application. In this embodiment, 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. For example, in FIG. 5, 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.

Preferably, in the insured device, 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:

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. For details, refer to the method embodiment, and details are not described herein.

Preferably, in 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 policy is sent to the printer for the policy to be printed. For the specific implementation, refer to the method embodiment, which is not described here.

Preferably, in the insured device, 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 In the step that the initial insurance information is not insured, it also includes:

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, the cancellation prompts the customer that the initial insurance information is not insured, and continues the effective payment time threshold. During the time period, if the insurance policy has not been approved, or the insured payment instruction corresponding to the push link is not detected, 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.

Based on the above-mentioned insurance method, 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.

In summary, 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. No need to take the customer service to continue to read the insurance regulations to customers through oral presentation. 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. At the same time, when 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. Moreover, the step of creating an electronic policy by the agent is also omitted, greatly improving the efficiency of insurance.

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

An insurance method, wherein the method comprises the following steps:

Obtaining the initial insurance 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;

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 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;

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 initial insurance information is not insured.
The method according to claim 1, wherein the step of acquiring the initial insurance 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;

Generate a push link containing the insurance policy and confirm the order virtual button, and send the push link to the smart terminal corresponding to the applicant's contact number.
The method according to claim 1, wherein the acquiring by the smart terminal is detected 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 The feedback 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 the insurance policy printing step includes:

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;

Filling the customer's current insurance information correspondingly to the policy template to generate an insurance policy, and storing the current insurance information of the customer corresponding to the insurance policy to the data table;

Send the insurance policy to the print terminal for insurance policy printing.
The method according to claim 1, wherein the prompting is not detected 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 In the steps in which the customer's initial insurance information is not insured, it also includes:

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, the cancellation prompts the customer that the initial insurance information is not insured, and continues the effective payment time threshold. During the time period, if the insurance policy has not been detected, or the insured payment instruction corresponding to the push link is not detected, the prompt information indicating that the customer's initial insurance information is not insured is displayed.
The method according to claim 4, wherein the prompting is not detected 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's initial insurance information is not insured, including:

Obtaining a link validity period included in the push link, and determining whether an insured payment instruction corresponding to the push link is detected within the link validity period, if the insured corresponding to the push link is not detected within the link validity period If the payment instruction is cancelled, the customer's initial insurance information is not insured.
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:

Obtaining the initial insurance 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;

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 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;

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 initial insurance information is not insured.
The insurance device according to claim 6, wherein the step of acquiring the initial insurance 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;

Generate a push link containing the insurance policy and confirm the order virtual button, and send the push link to the smart terminal corresponding to the applicant's contact number.
The insurance device according to claim 6, wherein the acquisition by the smart terminal is performed 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 feedback 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 the insurance policy printing step:

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;

Filling the customer's current insurance information correspondingly to the policy template to generate an insurance policy, and storing the current insurance information of the customer corresponding to the insurance policy to the data table;

Send the insurance policy to the print terminal for insurance policy printing.
The insurance device according to claim 6, wherein said prompting is not detected 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 In the steps in which the customer's initial insurance information is not insured, it also includes:

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, the cancellation prompts the customer that the initial insurance information is not insured, and continues the effective payment time threshold. During the time period, if the insurance policy has not been detected, or the insured payment instruction corresponding to the push link is not detected, the prompt information indicating that the customer's initial insurance information is not insured is displayed.
The insurance device according to claim 9, wherein said prompting is not detected 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's initial insurance information is not insured, including:

Obtaining a link validity period included in the push link, and determining whether an insured payment instruction corresponding to the push link is detected within the link validity period, if the insured corresponding to the push link is not detected within the link validity period If the payment instruction is cancelled, the customer's initial insurance information is not insured.
A storage medium, wherein the storage medium stores one or more programs, and the one or more programs can be executed by one or more processors;

Wherein the storage medium stores an insurance program, and the insurance program is executed by the processor to implement the following steps:

Obtaining the initial insurance 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;

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 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;

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 initial insurance information is not insured.
The storage medium according to claim 11, wherein said insured program is executed by said processor to implement said acquiring customer initial insurance information, generating a push link including an insurance policy, and transmitting the push link to correspond to customer initial insurance information The steps of the smart terminal include:

Obtain initial customer insurance information including at least the name of the insured, the insured contact number, and the type of insurance;

Generate a push link containing the insurance policy and confirm the order virtual button, and send the push link to the smart terminal corresponding to the applicant's contact number.
The storage medium of claim 11, wherein the insured program is executed by the processor to implement the detection of an insurance policy approved instruction within a preset effective payment time threshold and detecting that the push link is corresponding When the insurance payment instruction is insured, 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 pre-stored policy template to generate the insurance policy for storage, and is sent to the printer for printing the insurance policy. :

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;

Filling the customer's current insurance information correspondingly to the policy template to generate an insurance policy, and storing the current insurance information of the customer corresponding to the insurance policy to the data table;

Send the insurance policy to the print terminal for insurance policy printing.
The storage medium according to claim 11, wherein said insured program is executed by said processor to realize that said insurance policy has not been detected within a preset effective payment time threshold, or that a push link is not detected In the corresponding step of the insured payment instruction, the step of prompting the customer that the initial insurance information is not insured further includes:

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, the cancellation prompts the customer that the initial insurance information is not insured, and continues the effective payment time threshold. During the time period, if the insurance policy has not been detected, or the insured payment instruction corresponding to the push link is not detected, the prompt information indicating that the customer's initial insurance information is not insured is displayed.
The storage medium of claim 14, wherein the insurance program is executed by the processor to implement, when the insurance policy has not been detected within the preset effective payment time threshold, or has not been detected and pushed When the corresponding insured payment instruction is linked, the customer is prompted that the initial insurance information is not insured, and includes:

Obtaining a link validity period included in the push link, and determining whether an insured payment instruction corresponding to the push link is detected within the link validity period, if the insured corresponding to the push link is not detected within the link validity period If the payment instruction is cancelled, the customer's initial insurance information is not insured.
An insurance device, wherein the insurance device comprises:

The link push module is configured to obtain the 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 acquisition and transmission printing module is configured to acquire the current customer feedback by the smart terminal 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 Insuring the information, the customer's current insurance information is correspondingly filled into the pre-stored policy template to generate the insurance policy, and then sent to the printer for the insurance policy printing;

The unpaid prompting module is configured to prompt the customer that the initial insurance information is not performed 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. Insured.
The insurance device according to claim 16, wherein the link push module is configured to:

Obtain initial customer insurance information including at least the name of the insured, the insured contact number, and the type of insurance;

Generate a push link containing the insurance policy and confirm the order virtual button, and send the push link to the smart terminal corresponding to the applicant's contact number.
The insurance device according to claim 16, wherein said information acquisition and transmission printing module is configured to:

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;

Filling the customer's current insurance information correspondingly to the policy template to generate an insurance policy, and storing the current insurance information of the customer corresponding to the insurance policy to the data table;

Send the insurance policy to the print terminal for insurance policy printing.
The insurance application device according to claim 16, wherein the unpaid prompt module is configured to:

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, the cancellation prompts the customer that the initial insurance information is not insured, and continues the effective payment time threshold. During the time period, if the insurance policy has not been detected, or the insured payment instruction corresponding to the push link is not detected, the prompt information indicating that the customer's initial insurance information is not insured is displayed.
The insurance device according to claim 19, wherein the unpaid prompt module is further configured to:

Obtaining a link validity period included in the push link, and determining whether an insured payment instruction corresponding to the push link is detected within the link validity period, if the insured corresponding to the push link is not detected within the link validity period If the payment instruction is cancelled, the customer's initial insurance information is not insured.