WO2019037454A1 - 保费缴纳方法、装置、设备及可读存储介质 - Google Patents

保费缴纳方法、装置、设备及可读存储介质 Download PDF

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Publication number
WO2019037454A1
WO2019037454A1 PCT/CN2018/083889 CN2018083889W WO2019037454A1 WO 2019037454 A1 WO2019037454 A1 WO 2019037454A1 CN 2018083889 W CN2018083889 W CN 2018083889W WO 2019037454 A1 WO2019037454 A1 WO 2019037454A1
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WIPO (PCT)
Prior art keywords
premium
user
payment
policy
account
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PCT/CN2018/083889
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English (en)
French (fr)
Inventor
徐广�
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平安科技（深圳）有限公司
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Publication of WO2019037454A1 publication Critical patent/WO2019037454A1/zh

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0208—Trade or exchange of goods or services in exchange for incentives or rewards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0217—Discounts or incentives, e.g. coupons or rebates involving input on products or services in exchange for incentives or rewards
    • G06Q30/0218—Discounts or incentives, e.g. coupons or rebates involving input on products or services in exchange for incentives or rewards based on score

Definitions

  • the present application relates to the field of payment premium technology, and in particular, to a premium payment method, apparatus, device, and computer readable storage medium.
  • the user after the user purchases the insurance, when the user needs to continue to pay the premium, the user generally can only pay the premium through the counter of the insurance company, or pay the premium by bank transfer, whether through the insurance company's counter or The bank transfer method requires the user to pay the fee in person. When there are more on-site personnel, the user still needs to wait in line. It takes a lot of time and the efficiency of paying the premium is not high, resulting in the user's experience. good.
  • the main purpose of the present application is to provide a premium payment method, device, device and computer readable storage medium, which aims to solve the technical problem of requiring more time and low efficiency in paying premiums.
  • the present application provides a premium payment method, the method comprising:
  • the application APP obtains the policy for which the premium is to be paid, and the type of insurance included in the policy;
  • the premium to be paid corresponding to the policy account is extracted, and the extracted premium to be paid is displayed on the display interface to remind the user to pay;
  • the corresponding premium is deducted according to the confirmation payment instruction, and a payment notice is generated.
  • the step that the application APP obtains the policy that needs to pay the premium, and the type of the insurance included in the policy further includes:
  • the re-evaluation reminder information and the materials required for reassessment will be sent to the customer, and the premiums payable and the time payable for the policy will be obtained based on the re-evaluated insurance type;
  • the steps of obtaining the premiums payable and the time payable for each policy according to the type of insurance included in the policy, and storing the premiums payable and the time payable for each policy are performed.
  • the step of deducting the corresponding premium according to the confirmation payment instruction, and generating the payment notice includes:
  • the payment method is pushed to the user;
  • the balance of the obtained user account is equal to or greater than the premium to be paid, the corresponding premium is deducted, and a payment notice is generated.
  • the premium corresponding to the policy account is extracted, and the extracted premium to be displayed is displayed on the display interface to remind the user to perform
  • the steps to be paid include:
  • the received policy account is an account that pays a premium on a monthly or quarterly basis
  • the corresponding wealth management product is pushed to the user according to the number of times the account needs to pay the premium within a preset time
  • the corresponding amount is deducted from the amount returned by the wealth management product according to the confirmation payment instruction.
  • the step of deducting the corresponding premium according to the confirmation payment instruction and generating the payment notice further includes:
  • the user pays the corresponding premium aging assessment score according to the time limit for the user to pay the premium;
  • the user After the user's evaluation score reaches the preset amount, the user is given the right to exchange gifts, and the information obtained by the user for the gift right is sent to the user.
  • the method further includes:
  • the evaluation score is used as a basis for the user loan amount, wherein the higher the evaluation score, the higher the user loan amount.
  • the present application further provides a premium payment device, the device comprising:
  • the APP obtains the insurance policy that needs to pay the premium, and the type of insurance included in the policy; obtains the premiums payable and the time payable for each policy according to the type of insurance included in the policy, and saves the premiums and the time payable for each policy;
  • the first extracting module is configured to: when receiving the policy account input by the user or arrive at the payable time, extract the premium to be paid corresponding to the policy account, and display the extracted premium to be displayed on the display interface to remind the user Pay
  • the generating module is configured to, when receiving the confirmation payment instruction, deduct the corresponding premium according to the confirmation payment instruction, and generate a payment notice.
  • the present application further provides a premium payment device, the premium payment device including a processor and a memory, wherein the memory stores a premium payment program; the processor is configured to execute the premium payment program, To achieve the following steps:
  • the application APP obtains the policy for which the premium is to be paid, and the type of insurance included in the policy;
  • the premium to be paid corresponding to the policy account is extracted, and the extracted premium to be paid is displayed on the display interface to remind the user to pay;
  • the corresponding premium is deducted according to the confirmation payment instruction, and a payment notice is generated.
  • the processor is further configured to execute the premium payment procedure to implement the following steps:
  • the payment method is pushed to the user;
  • the balance of the obtained user account is equal to or greater than the premium to be paid, the corresponding premium is deducted, and a payment notice is generated.
  • the APP obtains the policy for which the premium is to be paid, and the type of insurance included in the policy. According to the type of insurance included in the policy, the premiums and fees payable for each policy can be obtained, and then the premiums and time payable for each policy are paid.
  • the saving is performed; when the policy account input by the user is received or the time for paying the payment is received, the premium to be paid corresponding to the policy account can be extracted from the saved premium to be paid, and then the extracted premium to be paid is displayed on the display interface.
  • the user can click the confirmation button in the display interface to trigger the confirmation payment instruction, and when receiving the confirmation payment instruction, deduct the corresponding premium according to the confirmation payment instruction, and generate a payment notice, then the The APP completes the payment of the premium, and does not require the user to personally go to the counter of the insurance company or transfer to the bank, shortening the time for paying the premium, thereby improving the efficiency of paying the premium, improving the user experience, and increasing the channel for paying the premium.
  • FIG. 1 is a schematic flow chart of a first embodiment of a premium payment method of the present application
  • FIG. 2 is a schematic diagram of a refinement process of a step of deducting a corresponding premium according to a confirmation payment instruction and generating a payment notice when receiving the confirmation payment instruction in the second embodiment of the premium payment method of the present application;
  • FIG. 3 is a schematic flow chart of a third embodiment of a premium payment method according to the present application.
  • FIG. 4 is a schematic flow chart of a fourth embodiment of a premium payment method of the present application.
  • FIG. 5 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present application.
  • the embodiment of the present application considers that, in the prior art, after the user purchases the insurance, when the user needs to continue to pay the premium, the user generally can only pay the premium through the counter of the insurance company, or pay the premium by way of bank transfer, regardless of The insurance premium is paid by the insurance company's counter or bank transfer.
  • the user needs to pay the fee in person. When there are more on-site personnel, the user still needs to wait in line, it takes more time, and the efficiency of paying the premium is not High, resulting in poor user experience.
  • the embodiment of the present application provides a premium payment method, apparatus, device, and computer readable storage medium, through an application program.
  • the APP obtains the policy for which the premium is to be paid, and the type of insurance included in the policy.
  • the premiums and fees payable for each policy can be obtained, and then the premiums and time payable for each policy are paid.
  • the saving is performed; when the policy account input by the user is received or the time for paying the payment is received, the premium to be paid corresponding to the policy account can be extracted from the saved premium to be paid, and then the extracted premium to be paid is displayed on the display interface.
  • the user can click the confirmation button in the display interface to trigger the confirmation payment instruction, and when receiving the confirmation payment instruction, deduct the corresponding premium according to the confirmation payment instruction, and generate a payment notice, then the The APP completes the payment of the premium, and does not require the user to personally go to the counter of the insurance company or transfer to the bank, shortening the time for paying the premium, thereby improving the efficiency of paying the premium, improving the user experience, and increasing the channel for paying the premium.
  • FIG. 1 is a schematic flowchart of a first embodiment of a premium payment method according to the present application.
  • the method includes:
  • Step S10 the application APP acquires a policy for which the premium is to be paid, and the type of insurance included in the policy;
  • the user needs to install an APP related to the insurance system in the mobile terminal in advance, such as a wallet, a technological money, etc., in the mobile terminal installation and After the insurance system-related APP, the APP can send the information of the policy that needs to pay the premium to the insurance system.
  • the insurance system After receiving the acquisition information sent by the APP, the insurance system sends all the policies in the system that need to pay the premium to the APP, and the APP is After obtaining the policy that needs to pay the premium, after obtaining the policy that needs to pay the premium, the APP also needs to analyze each policy and analyze the types of insurance included in each policy, so as to calculate the fees payable for each policy.
  • Step S20 obtaining the premiums to be paid and the time of payable according to the type of insurance included in the policy, and preserving the premiums payable and the time payable for each policy;
  • the premium payable for each policy After obtaining the type of insurance included in the policy, you can calculate the premium payable for each policy based on the type of insurance included in the policy. For example, if the type of insurance purchased by the user is monthly premium, the total user's fee payable is divided by the total amount. In the number of months, you can get the monthly payable fee, and then get the due time according to the time when the user purchases the insurance. Then, the premiums payable and the time payable for each policy are saved, so that when the subsequent users pay through the APP, the corresponding premiums to be paid are quickly extracted.
  • Step S30 when receiving the policy account input by the user or reaching the payable time, extracting the premium to be paid corresponding to the policy account, and displaying the extracted premium to be displayed on the display interface to remind the user to pay;
  • the insurance premium corresponding to the policy account may be extracted, and the extracted premium to be paid is displayed on the display interface to remind the user to pay, specifically During the implementation process, the premium to be paid corresponding to the policy account may be extracted within a preset time from the payable time, and the extracted premium to be paid is displayed on the display interface to remind the user to pay the premium in advance.
  • the user-selectable payment method can be further displayed on the display interface for the user to select.
  • step S40 when the confirmation payment instruction is received, the corresponding premium is deducted according to the confirmation payment instruction, and a payment notice is generated.
  • the corresponding premium is deducted according to the confirmation payment instruction, and then the information about the payment method selected by the user, that is, the transfer success information is sent to the corresponding insurance management system, and the corresponding insurance management system performs the security verification. After the safety verification is passed, a payment notice is generated. Further, after the user completes the payment of the premium, the user can further push the wealth management product and the shopping push to the user, so that the user can learn more information and make the user's life richer.
  • the premium payment method proposed in this embodiment through the application program
  • the APP obtains the policy for which the premium is to be paid, and the type of insurance included in the policy. According to the type of insurance included in the policy, the premiums and fees payable for each policy can be obtained, and then the premiums and time payable for each policy are paid.
  • the saving is performed; when the policy account input by the user is received or the time for paying the payment is received, the premium to be paid corresponding to the policy account can be extracted from the saved premium to be paid, and then the extracted premium to be paid is displayed on the display interface.
  • the user can click the confirmation button in the display interface to trigger the confirmation payment instruction, and when receiving the confirmation payment instruction, deduct the corresponding premium according to the confirmation payment instruction, and generate a payment notice, then the The APP completes the payment of the premium, and does not require the user to personally go to the counter of the insurance company or transfer to the bank, shortening the time for paying the premium, thereby improving the efficiency of paying the premium, improving the user experience, and increasing the channel for paying the premium.
  • the second embodiment of the premium payment method of the present application is proposed based on the first embodiment of the premium payment method of the present application.
  • step after the step S10 further includes:
  • the re-evaluation reminder information and the materials required for reassessment will be sent to the customer, and the premiums payable and the time payable for the policy will be obtained based on the re-evaluated insurance type;
  • the steps of obtaining the premiums payable and the time payable for each policy according to the type of insurance included in the policy, and storing the premiums payable and the time payable for each policy are performed.
  • the evaluation condition corresponding to the insurance type may be first extracted, and then determined according to the evaluation condition. Whether the type of insurance needs to be re-evaluated, and if it needs to be re-evaluated, the re-evaluation reminder information and the materials needed for re-evaluation are sent to the customer, and after the customer submits the materials required for re-evaluation, the current insurance type user The fees to be paid are assessed, and the premiums and fees payable for the policy are obtained based on the type of insurance after reassessment; if no reassessment is required, the premiums and fees payable for each policy are obtained according to the type of insurance included in the policy. Time is available, and then the premiums and time payable for each policy are saved.
  • a third embodiment of the premium payment method of the present application is proposed based on the first embodiment of the premium payment method of the present application.
  • step S40 includes:
  • Step S41 when receiving the confirmation payment instruction, pushing the payment method to the user;
  • Step S42 obtaining a corresponding user account according to the payment method selected by the user;
  • Step S43 determining whether the balance of the obtained user account is equal to or greater than the premium payable
  • Step S44 If the balance of the obtained user account is equal to or greater than the premium to be paid, the corresponding premium is deducted, and a payment notice is generated.
  • the user can pay premiums in a variety of ways. Specifically, when receiving the confirmation payment instruction, the payment method is pushed to the user; for example, Alipay, WeChat, Miles points, APP balance, etc., after the user clicks the corresponding payment method, the corresponding payment method is obtained according to the payment method selected by the user. The user account is then judged whether the balance of the obtained user account is equal to or greater than the premium to be paid. For example, if the user selects the Miles points as the payment method, the corresponding account of the Wanlitong account is extracted, and then the balance of the user's Wanlitong account is determined. Whether it is equal to or greater than the premium payable,
  • the balance of the user's Miles account is equal to or greater than the premium payable, the corresponding premium is deducted and a payment notice is generated; if the balance of the user's Miles account is less than the premium payable, the user is reminded to change the payment method.
  • the premium payment method proposed in this embodiment when receiving the confirmation payment instruction, pushes the payment method to the user, so that the user can pay the premium in a plurality of ways, and increases the channel for the user to pay the premium; and obtains the payment method according to the user's selected payment method.
  • Corresponding user account determining whether the acquired user account balance is equal to or greater than the premium payable; if the acquired user account balance is equal to or greater than the premium payable, the corresponding premium is deducted, and a payment notice is generated.
  • a third embodiment of the premium payment method of the present application is proposed based on the first embodiment of the premium payment method of the present application.
  • step after the step S30 further includes:
  • Step S50 determining whether the received policy account is an account that pays premiums on a monthly or quarterly basis
  • Step S60 If the received policy account is an account that pays a premium on a monthly or quarterly basis, the corresponding wealth management product is pushed to the user according to the number of times the account needs to pay the premium within a preset time;
  • Step S70 when receiving the confirmation payment instruction, deducting the corresponding amount from the amount returned by the wealth management product according to the confirmation payment instruction.
  • the corresponding wealth management product may be further pushed to the user according to the type of insurance purchased by the user. Specifically, first, it is determined whether the received policy account is an account that pays premiums on a monthly or quarterly basis; if the received policy account is an account that pays premiums on a monthly or quarterly basis, The number of times the premium is required to be paid within the set time is to push the corresponding wealth management product to the user; when receiving the confirmation payment instruction, the premium payment is completed by deducting the corresponding amount from the amount returned by the wealth management product according to the confirmation payment instruction.
  • the corresponding wealth management product is pushed to the user according to the number of times the account needs to pay the premium within a preset time, wherein the preset time is required for the user to purchase insurance.
  • the remaining time for paying premiums is assumed to be 5 months for the user to pay insurance premiums.
  • the insurance purchased by the user is paid monthly, the number of times the user needs to pay the premium within 5 months is 5 times.
  • the user pushes the payment period to 5 months, or more than 5 months, and the monthly return amount is equal to or greater than the wealth management product that the user should pay the premium.
  • the deduction can be made by the amount returned, and it is not necessary to select the payment method each time the premium is paid, and enter the payment password to pay the premium.
  • the premium payment method proposed in this embodiment determines whether the received policy account is an account that pays premiums on a monthly or quarterly basis; if the received policy account is an account that pays premiums on a monthly or quarterly basis, And according to the number of times the account needs to pay the premium within the preset time, the corresponding wealth management product is pushed to the user; when receiving the confirmation payment instruction, the corresponding amount is deducted from the amount returned by the wealth management product according to the confirmation payment instruction.
  • you do not need to pay the premium every time you pay the premium enter the payment password to pay the premium, reduce the user's payment of premiums, improve the efficiency of paying premiums, and improve the user experience.
  • a fifth embodiment of the premium payment method of the present application is proposed based on the first embodiment of the premium payment method of the present application.
  • step after the step S40 further includes:
  • Step S80 the time for the user to pay the premium is counted, and the time limit for the user to pay the premium is analyzed according to the time when the user pays the premium;
  • Step S90 the user pays the corresponding premium time-age evaluation score according to the time limit for the user to pay the premium;
  • Step S100 After the user's evaluation score reaches the preset amount, the user is given the right to exchange gifts, and the information obtained by the user for the gift right is sent to the user.
  • the time for the user to pay the premium may be further counted, and the time limit for the user to pay the premium is analyzed according to the time when the user pays the premium, that is, whether the user completes the premium payment within the prescribed time, and statistics The number of days prior to the payment of premiums within the specified time. Then, according to the time limit for the user to pay the premium, the user pays the corresponding premium aging evaluation score, wherein the more the number of advance days the user completes the premium payment within the prescribed time, the higher the evaluation score.
  • the user's information in the payment APP may be further counted, and the user's corresponding payment aging aging score is given according to the information supplemented by the user, and the premium aging evaluation score is paid, wherein the more information the user supplements, the more The higher the time limit for paying the premium, or the time and frequency of the user's use of the payment APP, and then the user pays the corresponding premium aging score according to the time and frequency of the user's use of the payment APP.
  • the higher the time and frequency of the user using the payment APP The higher the time limit for paying the premium paid; the time when the user pays the premium, the information of the user in the payment APP, the time and frequency of the user using the payment APP, and the corresponding weight is added, and then the user's premium is calculated according to the weight.
  • the aging evaluation score for example, the weight added to the time when the user pays the premium is 0.4, the weight added by the user in the payment APP is 0.2, and the weight added by the user when using the payment APP is 0.4, and then Each condition is multiplied by the corresponding weight, and then the products are added. Aging pay premiums available user evaluation score. It can be understood that the method for calculating the user's payment of the premium aging evaluation score is not limited to the above enumerated methods, and is not limited herein.
  • the user can redeem the gift.
  • the user first needs to give the user the right to exchange the gift, and the user obtains the information for the gift permission to be sent to the user, so that the user can know that he can redeem the gift. .
  • step after the step S90 further includes:
  • the evaluation score is used as a basis for the user loan amount, wherein the higher the evaluation score, the higher the user loan amount.
  • the evaluation score may be used as the basis for the user loan amount. Specifically, when receiving the loan request of the user, first extracting the evaluation score of the user's premium payment aging, and then using the extracted evaluation score as the basis of the user loan amount, wherein the higher the evaluation score, the credit representing the user The better, the higher the user's loan amount.
  • the premium payment method proposed in this embodiment collects the time limit for the user to pay the premium according to the time when the user pays the premium, and analyzes the time limit for the user to pay the premium according to the time when the user pays the premium; and then gives the user the corresponding premium aging time evaluation score according to the time limit for the user to pay the premium; After the evaluation score reaches the preset amount, the user is given the right to exchange gifts, and the user obtains the information for exchanging the gift right to the user, thereby increasing the enthusiasm of the user to pay the premium through the APP, and increasing the user's stickiness to the app.
  • the embodiment of the present application further provides a premium payment device, where the device includes:
  • the APP obtains the insurance policy that needs to pay the premium, and the type of insurance included in the policy; obtains the premiums payable and the time payable for each policy according to the type of insurance included in the policy, and saves the premiums and the time payable for each policy;
  • the first extracting module is configured to: when receiving the policy account input by the user or arrive at the payable time, extract the premium to be paid corresponding to the policy account, and display the extracted premium to be displayed on the display interface to remind the user Pay
  • the generating module is configured to, when receiving the confirmation payment instruction, deduct the corresponding premium according to the confirmation payment instruction, and generate a payment notice.
  • the specific embodiment of the premium payment device of the present application is substantially the same as the embodiment of the above-mentioned premium payment method, and details are not described herein.
  • the embodiment of the present application further provides a premium payment device.
  • the premium payment device may include a processor 1001, such as a CPU, a network interface 1002, a user interface 1003, and a memory 1004. Connection communication between these components can be achieved via a communication bus.
  • the network interface 1002 may optionally include a standard wired interface (for connecting to a wired network), a wireless interface (such as a WI-FI interface, a Bluetooth interface, an infrared interface, etc. for connecting to a wireless network).
  • the user interface 1003 can include a display, an input unit such as a keyboard, and the optional user interface 1003 can also include a standard wired interface (eg, for connecting a wired keyboard, a wired mouse, etc.) and/or a wireless interface (eg, Used to connect a wireless keyboard, wireless mouse).
  • the memory 1004 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage.
  • the memory 1004 can also optionally be a storage device independent of the aforementioned processor 1001. It will be understood by those skilled in the art that the premium payment device structure shown in FIG. 5 does not constitute a limitation on the premium payment device, and may include more or less components than the illustration, or combine some components, or different components. Arrangement.
  • an operating system and a premium payment device program may be included in the memory 1002 as a computer storage medium.
  • the operating system is a program that manages and deposits the hardware and software resources of the device, and supports the operation of the premium payment device program and other software or programs.
  • the processor 1001 can be used to execute the premium payment program stored in the memory 1002 to implement the steps of the premium payment method described above.
  • the specific embodiment of the premium payment device of the present application is substantially the same as the embodiment of the above-mentioned premium payment method, and is not described herein.
  • the present application provides a computer readable storage medium storing one or more programs, the one or more programs being executable by one or more processors to implement the premium payment method described above Each step.
  • the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better.
  • Implementation Based on such understanding, the technical solution of the present application, which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM, disk,
  • the optical disc includes a number of instructions for causing a terminal device (which may be a cell phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods of various embodiments of the present application.

Abstract

本申请公开了一种保费缴纳方法，所述方法包括：应用程序 APP获取需要缴纳保费的保单，及保单中包含的保险种类；根据保单中包含的保险种类获取各个保单的应缴保费及应缴费时间，并将各个保单的应缴保费及应缴费时间进行保存；在接收到用户输入的保单账号或到达应缴费时间时，提取所述保单账号对应的应缴保费，并将提取到的应缴保费在显示界面进行显示，以提醒用户进行缴纳；当接收到确认缴费指令时，根据确认缴费指令扣除对应的保费，并生成缴费通知单。本申请还公开了一种保费缴纳装置、设备及计算机可读存储介质。本申请能够增加用户缴纳保费的渠道，增强客户的用户体验，提高用户缴纳保费的效率。

Description

保费缴纳方法、装置、设备及可读存储介质
本申请要求于2017年8月24日提交中国专利局、申请号为201710738770.X、发明名称为“保费缴纳方法、保费缴纳设备及计算机可读存储介质”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
本申请涉及缴纳保费技术领域，尤其涉及一种保费缴纳方法、装置、设备及计算机可读存储介质。
背景技术
随着科技的发展和社会的进步，人们的保险意识有了一定的提高，随之而来的是保单数量的增长。
现有技术中，在用户购买保险之后，后期用户需要继续缴纳保费时，用户一般只能通过保险公司的柜台进行缴纳保费，或者通过银行转账的方式进行缴纳保费，不管是通过保险公司的柜台或者银行转账的方式进行缴纳保费，都需要用户亲自到现场进行缴纳费用，当现场人员较多时，用户还需要排队等候，需要花费的时间较多，并且缴纳保费的效率不高，导致用户的体验不佳。
申请内容
本申请的主要目的在于提出一种保费缴纳方法、装置、设备及计算机可读存储介质，旨在解决缴纳保费需要花费的时间较多，效率低的技术问题。
为实现上述目的，本申请提供一种保费缴纳方法，所述方法包括：
应用程序 APP获取需要缴纳保费的保单，及保单中包含的保险种类；
根据保单中包含的保险种类获取各个保单的应缴保费及应缴费时间，并将各个保单的应缴保费及应缴费时间进行保存；
在接收到用户输入的保单账号或到达应缴费时间时，提取所述保单账号对应的应缴保费，并将提取到的应缴保费在显示界面进行显示，以提醒用户进行缴纳；
当接收到确认缴费指令时，根据确认缴费指令扣除对应的保费，并生成缴费通知单。
可选地，所述应用程序 APP获取需要缴纳保费的保单，及保单中包含的保险种类的步骤之后还包括：
根据所述保险种类提取对应的评估条件；
根据所述评估条件判断所述保险种类是否需要重新评估；
若需要重新评估，则将重新评估的提醒信息及进行重新评估所需的材料发送给客户，并根据重新评估后的保险种类获取保单的应缴保费及应缴费时间；
若不需要重新评估，则执行所述根据保单中包含的保险种类获取各个保单的应缴保费及应缴费时间，并将各个保单的应缴保费及应缴费时间进行保存的步骤。
可选地，所述当接收到确认缴费指令时，根据确认缴费指令扣除对应的保费，并生成缴费通知单的步骤包括：
当接收到确认缴费指令时，将缴费方式向用户推送；
根据用户选择的缴费方式获取对应的用户账号；
判断获取到的用户账号的余额是否等于或大于应缴保费；
若所述获取到的用户账号的余额等于或大于应缴保费，则扣除对应的保费，并生成缴费通知单。
可选地，所述在接收到用户输入的保单账号或到达应缴费时间时，提取所述保单账号对应的应缴保费，并将提取到的应缴保费在显示界面进行显示，以提醒用户进行缴纳的步骤之后包括：
判断接收到的保单账号是否为按月或按季度进行缴纳保费的账号；
若所述接收到的保单账号为按月或按季度进行缴纳保费的账号，则根据所述账号在预设时间内需要缴纳保费的次数向用户推送对应的理财产品；
当接收到确认缴费指令时，根据确认缴费指令在所述理财产品返回的金额中扣除对应的金额。
可选地，所述当接收到确认缴费指令时，根据确认缴费指令扣除对应的保费，并生成缴费通知单的步骤之后还包括：
统计用户缴纳保费的时间，根据用户缴纳保费的时间分析用户缴纳保费的时效；
根据用户缴纳保费的时效给予用户对应的缴纳保费时效评估分数；
当用户的评估分数达到预设额度后，给予用户换取礼品的权限，并将用户获得换取礼品权限的信息发送至用户。
可选地，所述根据用户缴纳保费的时效给予用户对应的缴纳保费时效评估分数的步骤之后还包括：
当接收到用户的贷款请求时，将所述评估分数作为用户贷款额度的依据，其中，所述评估分数越高，用户贷款额度越高。
此外，为实现上述目的，本申请还提供一种保费缴纳装置，所述装置包括：
获取模块，用于应用程序 APP获取需要缴纳保费的保单，及保单中包含的保险种类；根据保单中包含的保险种类获取各个保单的应缴保费及应缴费时间，并将各个保单的应缴保费及应缴费时间进行保存；
第一提取模块，用于在接收到用户输入的保单账号或到达应缴费时间时，提取所述保单账号对应的应缴保费，并将提取到的应缴保费在显示界面进行显示，以提醒用户进行缴纳；
生成模块，用于当接收到确认缴费指令时，根据确认缴费指令扣除对应的保费，并生成缴费通知单。
此外，为实现上述目的，本申请还提供一种保费缴纳设备，所述保费缴纳设备包括处理器及存储器，所述存储器中存储有保费缴纳程序；所述处理器用于执行所述保费缴纳程序，以实现以下步骤：
应用程序 APP获取需要缴纳保费的保单，及保单中包含的保险种类；
根据保单中包含的保险种类获取各个保单的应缴保费及应缴费时间，并将各个保单的应缴保费及应缴费时间进行保存；
在接收到用户输入的保单账号或到达应缴费时间时，提取所述保单账号对应的应缴保费，并将提取到的应缴保费在显示界面进行显示，以提醒用户进行缴纳；
当接收到确认缴费指令时，根据确认缴费指令扣除对应的保费，并生成缴费通知单。
可选地，所述处理器还用于执行所述保费缴纳程序，以实现以下步骤：
当接收到确认缴费指令时，将缴费方式向用户推送；
根据用户选择的缴费方式获取对应的用户账号；
判断获取到的用户账号的余额是否等于或大于应缴保费；
若所述获取到的用户账号的余额等于或大于应缴保费，则扣除对应的保费，并生成缴费通知单。
本申请提出的保费缴纳方法、装置、设备及计算机可读存储介质，通过应用程序 APP获取需要缴纳保费的保单，及保单中包含的保险种类，根据保单中包含的保险种类即可获得各个保单的应缴保费及应缴费时间，然后并将各个保单的应缴保费及应缴费时间进行保存；在接收到用户输入的保单账号或到达应缴费时间时，即可从保存的应缴保费中提取所述保单账号对应的应缴保费，然后将提取到的应缴保费在显示界面进行显示，以提醒用户进行缴纳；用户可点击显示界面中的确认按钮，以触发确认缴费指令，在接收到确认缴费指令时，根据确认缴费指令扣除对应的保费，并生成缴费通知单，即可通过APP完成保费的缴纳，不需要用户亲自到保险公司的柜台或到银行进行转账，缩短了缴纳保费的时间，从而提高了缴纳保费的效率，提高了用户体验，同时增加了缴纳保费的渠道。
附图说明
图1为本申请保费缴纳方法第一实施例的流程示意图；
图2为本申请保费缴纳方法第二实施例中当接收到确认缴费指令时，根据确认缴费指令扣除对应的保费，并生成缴费通知单的步骤的细化流程示意图；
图3为本申请保费缴纳方法第三实施例的流程示意图；
图4为本申请保费缴纳方法第四实施例的流程示意图；
图5是本申请实施例方案涉及的硬件运行环境的设备结构示意图。
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。
本申请实施例考虑到，现有技术中，在用户购买保险之后，后期用户需要继续缴纳保费时，用户一般只能通过保险公司的柜台进行缴纳保费，或者通过银行转账的方式进行缴纳保费，不管是通过保险公司的柜台或者银行转账的方式进行缴纳保费，都需要用户亲自到现场进行缴纳费用，当现场人员较多时，用户还需要排队等候，需要花费的时间较多，并且缴纳保费的效率不高，导致用户的体验不佳。为此，本申请实施例提出一种保费缴纳方法、装置、设备及计算机可读存储介质，通过应用程序 APP获取需要缴纳保费的保单，及保单中包含的保险种类，根据保单中包含的保险种类即可获得各个保单的应缴保费及应缴费时间，然后并将各个保单的应缴保费及应缴费时间进行保存；在接收到用户输入的保单账号或到达应缴费时间时，即可从保存的应缴保费中提取所述保单账号对应的应缴保费，然后将提取到的应缴保费在显示界面进行显示，以提醒用户进行缴纳；用户可点击显示界面中的确认按钮，以触发确认缴费指令，在接收到确认缴费指令时，根据确认缴费指令扣除对应的保费，并生成缴费通知单，即可通过APP完成保费的缴纳，不需要用户亲自到保险公司的柜台或到银行进行转账，缩短了缴纳保费的时间，从而提高了缴纳保费的效率，提高了用户体验，同时增加了缴纳保费的渠道。
参照图1，图1为本申请保费缴纳方法第一实施例的流程示意图。
在本实施例中，该方法包括：
步骤S10， 应用程序 APP获取需要缴纳保费的保单，及保单中包含的保险种类；
在本实施例中，为保证本实施例能够正常实施，在实施本实施例之前，用户需要预先在移动终端中安装与保险系统相关的APP，比如壹钱包、旺财等，在移动终端安装与保险系统相关的APP之后，APP可将获取需要缴纳保费的保单的信息发送至保险系统，保险系统在接收到APP发送的获取信息之后，将系统中所有需要保费缴纳的保单发送至APP，APP即可获得需要缴纳保费的保单，在获得需要缴纳保费的保单之后，APP还需要对各个保单进行分析，分析各个保单包含的保险种类，以便后续计算各个保单的应缴费用。
步骤S20，根据保单中包含的保险种类获取各个保单的应缴保费及应缴费时间，并将各个保单的应缴保费及应缴费时间进行保存；
在获得保单包含的保险类型之后，即可根据保单中包含的保险种类计算各个保单的应缴保费，比如若用户购买的保险类型为按月缴纳保费，则将用户总的应缴纳费用除以总月数，即可获得每月应缴费用，然后根据用户购买保险的时间获取应缴费时间。然后将各个保单的应缴保费及应缴费时间进行保存，以便后续用户通过APP进行缴费时，快速提取对应的应缴保费。
步骤S30，在接收到用户输入的保单账号或到达应缴费时间时，提取所述保单账号对应的应缴保费，并将提取到的应缴保费在显示界面进行显示，以提醒用户进行缴纳；
在APP接收到用户输入的保单账号或到达应缴费时间时，即可提取所述保单账号对应的应缴保费，并将提取到的应缴保费在显示界面进行显示，以提醒用户进行缴纳，具体实施过程中，还可以在距离应缴费时间预设时间内，提取所述保单账号对应的应缴保费，并将提取到的应缴保费在显示界面进行显示，以提前提醒用户进行缴纳保费。同时在将应缴保费在显示界面进行显示之后，可以进一步将用户可选的缴费方式在显示界面进行显示，以供用户选择。
步骤S40，当接收到确认缴费指令时，根据确认缴费指令扣除对应的保费，并生成缴费通知单。
当接收到确认缴费指令时，根据确认缴费指令扣除对应的保费，然后将用户选择的缴费方式即转账成功的信息发送至相应的保险管理系统，由所述相应的保险管理系统进行安全核验，在安全核验通过之后，生成缴费通知单。进一步地，在用户完成保费缴纳之后，可以进一步向用户推送理财产品及购物推送，便于用户获知更多的信息，使用户的生活更丰富。
本实施例提出的保费缴纳方法，通过应用程序 APP获取需要缴纳保费的保单，及保单中包含的保险种类，根据保单中包含的保险种类即可获得各个保单的应缴保费及应缴费时间，然后并将各个保单的应缴保费及应缴费时间进行保存；在接收到用户输入的保单账号或到达应缴费时间时，即可从保存的应缴保费中提取所述保单账号对应的应缴保费，然后将提取到的应缴保费在显示界面进行显示，以提醒用户进行缴纳；用户可点击显示界面中的确认按钮，以触发确认缴费指令，在接收到确认缴费指令时，根据确认缴费指令扣除对应的保费，并生成缴费通知单，即可通过APP完成保费的缴纳，不需要用户亲自到保险公司的柜台或到银行进行转账，缩短了缴纳保费的时间，从而提高了缴纳保费的效率，提高了用户体验，同时增加了缴纳保费的渠道。
进一步地，基于本申请保费缴纳方法第一实施例提出本申请保费缴纳方法第二实施例。
在本实施例中，所述步骤S10之后的步骤还包括：
根据所述保险种类提取对应的评估条件；
根据所述评估条件判断所述保险种类是否需要重新评估；
若需要重新评估，则将重新评估的提醒信息及进行重新评估所需的材料发送给客户，并根据重新评估后的保险种类获取保单的应缴保费及应缴费时间；
若不需要重新评估，则执行所述根据保单中包含的保险种类获取各个保单的应缴保费及应缴费时间，并将各个保单的应缴保费及应缴费时间进行保存的步骤。
在本实施例中，在获取保单中包含的保险种类之后，可以进一步判断所述保险种类是否需要重新评估，具体地，可以首先提取所述保险种类对应的评估条件，然后根据所述评估条件判断所述保险种类是否需要重新评估，若需要重新评估，则将重新评估的提醒信息及进行重新评估所需的材料发送给客户，在客户提交重新评估所需的材料之后，对当前保险类型用户所需缴纳的费用进行评估，再根据重新评估后的保险种类获取保单的应缴保费及应缴费时间；若不需要重新评估，则根据保单中包含的保险种类获取各个保单的应缴保费及应缴费时间即可，然后将各个保单的应缴保费及应缴费时间进行保存。
进一步地，参照图2，基于本申请保费缴纳方法第一实施例提出本申请保费缴纳方法第三实施例。
在本实施例中，所述步骤S40包括：
步骤S41，当接收到确认缴费指令时，将缴费方式向用户推送；
步骤S42，根据用户选择的缴费方式获取对应的用户账号；
步骤S43，判断获取到的用户账号的余额是否等于或大于应缴保费；
步骤S44，若所述获取到的用户账号的余额等于或大于应缴保费，则扣除对应的保费，并生成缴费通知单。
在本实施例中，用户可以通过多种方式进行缴纳保费。具体地，当接收到确认缴费指令时，将缴费方式向用户推送；比如，支付宝、微信、万里通积分、APP余额等，在用户点击对应的缴费方式之后，根据用户选择的缴费方式获取对应的用户账号，然后判断获取到的用户账号的余额是否等于或大于应缴保费，比如，若用户选择万里通积分作为缴费方式，则提取用户对应的万里通账号，然后判断用户的万里通账号的余额是否等于或大于应缴保费，
若用户的万里通账号的余额等于或大于应缴保费，则扣除对应的保费，并生成缴费通知单；若用户的万里通账号的余额小于应缴保费，则提醒用户更换缴费方式。
本实施例提出的保费缴纳方法，当接收到确认缴费指令时，将缴费方式向用户推送，以便用户可以通过多种方式进行缴纳保费，增加了用户缴纳保费的渠道；根据用户选择的缴费方式获取对应的用户账号；判断获取到的用户账号的余额是否等于或大于应缴保费；若所述获取到的用户账号的余额等于或大于应缴保费，则扣除对应的保费，并生成缴费通知单。
进一步地，参照图3，基于本申请保费缴纳方法第一实施例提出本申请保费缴纳方法第三实施例。
在本实施例中，所述步骤S30之后的步骤还包括：
步骤S50，判断接收到的保单账号是否为按月或按季度进行缴纳保费的账号；
步骤S60，若所述接收到的保单账号为按月或按季度进行缴纳保费的账号，则根据所述账号在预设时间内需要缴纳保费的次数向用户推送对应的理财产品；
步骤S70，当接收到确认缴费指令时，根据确认缴费指令在所述理财产品返回的金额中扣除对应的金额。
在本实施例中，在接收到用户输入的保单账号之后或到达应缴费时间时，可以进一步根据用户购买的保险类型向用户推送相应的理财产品。具体地，首先判断接收到的保单账号是否为按月或按季度进行缴纳保费的账号；若所述接收到的保单账号为按月或按季度进行缴纳保费的账号，则根据所述账号在预设时间内需要缴纳保费的次数向用户推送对应的理财产品；当接收到确认缴费指令时，根据确认缴费指令在所述理财产品返回的金额中扣除对应的金额即可完成保费缴纳。比如，若接收到的保单账号为按月进行缴纳保费的账号，则根据账号在预设时间内需要缴纳保费的次数向用户推送对应的理财产品，其中，所述预设时间为用户购买保险需要进行缴纳保费的剩余时间，假设用户购买保险需要进行缴纳保费的剩余时间为5个月，用户购买的保险为按月进行缴纳，则用户在5个月内需要缴纳保费的次数则为5次，则向用户推送周期为5个月，或大于5个月，每个月返还金额等于或大于用户应缴保费的理财产品，在用户需要进行缴纳保费时，并且用户购买对应的理财产品之后，直接通过返还的金额进行扣除即可，不需要在每次进行缴纳保费时，选择缴纳方式，输入支付密码进行缴纳保费。
本实施例提出的保费缴纳方法，通过判断接收到的保单账号是否为按月或按季度进行缴纳保费的账号；若所述接收到的保单账号为按月或按季度进行缴纳保费的账号，则根据所述账号在预设时间内需要缴纳保费的次数向用户推送对应的理财产品；当接收到确认缴费指令时，根据确认缴费指令在所述理财产品返回的金额中扣除对应的金额即可完成保费缴纳，不需要在每次进行缴纳保费时，选择缴纳方式，输入支付密码进行缴纳保费，减少了用户缴纳保费的步骤，提高缴纳保费的效率，提高了用户体验。
进一步地，参照图4，基于本申请保费缴纳方法第一实施例提出本申请保费缴纳方法第五实施例。
在本实施例中，所述步骤S40之后的步骤还包括：
步骤S80，统计用户缴纳保费的时间，根据用户缴纳保费的时间分析用户缴纳保费的时效；
步骤S90，根据用户缴纳保费的时效给予用户对应的缴纳保费时效评估分数；
步骤S100，当用户的评估分数达到预设额度后，给予用户换取礼品的权限，并将用户获得换取礼品权限的信息发送至用户。
在本实施例中，在生成缴费通知单之后，可以进一步统计用户缴纳保费的时间，根据用户缴纳保费的时间分析用户缴纳保费的时效，即统计用户是否在规定的时间内完成保费缴纳，以及统计在规定的时间内完成保费缴纳的提前天数。然后根据用户缴纳保费的时效给予用户对应的缴纳保费时效评估分数，其中，用户在规定的时间内完成保费缴纳的提前天数越多，评估分数越高。进一步地，生成缴费通知单之后，可以进一步统计用户在缴费APP中的信息，根据用户补充的信息给予用户对应的缴纳保费时效分数，缴纳保费时效评估分数，其中，用户补充的信息越多，给予的缴纳保费时效分数越高；或者统计用户使用缴费APP的时间及频率，然后根据用户使用缴费APP的时间及频率给予用户对应的缴纳保费时效分数，其中，用户使用缴费APP的时间及频率越高，给予的缴纳保费时效分数越高；也可以在用户缴纳保费的时间、用户在缴费APP中的信息、用户使用缴费APP的时间及频率添加对应的权值，然后根据权值计算用户的缴纳保费时效评估分数，比如，将用户缴纳保费的时间添加的权值为0.4，用户在缴费APP中的信息添加的权值为0.2、用户使用缴费APP的时间及频率添加的权值为0.4，然后将各个条件依次与对应的权值相乘，再将乘积相加，即可获得用户的缴纳保费时效评估分数。可以理解的是，计算用户的缴纳保费时效评估分数的方法并不局限与上述列举的方法，在此不做限定。
当用户的评估分数达到预设额度后，用户可以进行礼品的兑换，此时首先需要给予用户换取礼品的权限，并将用户获得换取礼品权限的信息发送至用户，以便用户获知自己可以进行礼品兑换。
进一步地，所述步骤S90之后的步骤还包括：
当接收到用户的贷款请求时，将所述评估分数作为用户贷款额度的依据，其中，所述评估分数越高，用户贷款额度越高。
在获得用户缴纳保费时效评估分数之后，可以将所述评估分数作为用户贷款额度的依据。具体地，当接收到用户的贷款请求时，首先提取用户的缴纳保费时效的评估分数，然后将提取到的评估分数作为用户贷款额度的依据，其中，所述评估分数越高，代表用户的信用越好，用户可贷款额度就越高。
本实施例提出的保费缴纳方法，通过统计用户缴纳保费的时间，根据用户缴纳保费的时间分析用户缴纳保费的时效；再根据用户缴纳保费的时效给予用户对应的缴纳保费时效评估分数；当用户的评估分数达到预设额度后，给予用户换取礼品的权限，并将用户获得换取礼品权限的信息发送至用户，从而提高用户通过APP缴纳保费的积极性，增加用户对app的黏性。
本申请实施例进一步提供一种保费缴纳装置，所述装置包括：
获取模块，用于应用程序 APP获取需要缴纳保费的保单，及保单中包含的保险种类；根据保单中包含的保险种类获取各个保单的应缴保费及应缴费时间，并将各个保单的应缴保费及应缴费时间进行保存；
第一提取模块，用于在接收到用户输入的保单账号或到达应缴费时间时，提取所述保单账号对应的应缴保费，并将提取到的应缴保费在显示界面进行显示，以提醒用户进行缴纳；
生成模块，用于当接收到确认缴费指令时，根据确认缴费指令扣除对应的保费，并生成缴费通知单。
本申请保费缴纳装置的具体实施例与上述保费缴纳方法各实施例基本相同，在此不作赘述。
本申请实施例进一步提供一种保费缴纳设备。
如图5所示，保费缴纳设备可以包括：处理器1001，例如CPU，网络接口1002，用户接口1003，存储器1004。这些组件之间的连接通信可以通过通信总线实现。网络接口1002可选的可以包括标准的有线接口（用于连接有线网络）、无线接口（如WI-FI接口、蓝牙接口、红外线接口等，用于连接无线网络）。用户接口1003可以包括显示屏（Display）、输入单元比如键盘（Keyboard），可选用户接口1003还可以包括标准的有线接口（例如用于连接有线键盘、有线鼠标等）和/或无线接口（例如用于连接无线键盘、无线鼠标）。存储器1004可以是高速RAM存储器，也可以是稳定的存储器（non-volatile memory），例如磁盘存储器。存储器1004可选的还可以是独立于前述处理器1001的存储装置。本领域技术人员可以理解，图5中示出的保费缴纳设备结构并不构成对保费缴纳设备的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。
如图5所示，作为一种计算机存储介质的存储器1002中可以包括操作系统以及保费缴纳设备程序。其中，操作系统是管理和保费缴纳设备的硬件与软件资源的程序，支持保费缴纳设备程序及其他软件或程序的运行。在图5所示的保费缴纳设备中，处理器1001可以用于执行存储器1002中存储的保费缴纳程序，以实现上述保费缴纳方法的各步骤。
本申请保费缴纳设备的具体实施例与上述保费缴纳方法各实施例基本相同，在此不作赘述。
本申请提供了一种计算机可读存储介质，所述计算机可读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，以实现上述保费缴纳方法的各步骤。
本申请计算机可读存储介质的具体实施例与上述保费缴纳方法各实施例基本相同，在此不作赘述。
还需要说明的是，在本文中，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者装置不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者装置所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、物品或者装置中还存在另外的相同要素。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质（如ROM/RAM、磁碟、光盘）中，包括若干指令用以使得一台终端设备（可以是手机，计算机，服务器，空调器，或者网络设备等）执行本申请各个实施例的方法。
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. 一种保费缴纳方法，其特征在于，所述方法包括以下步骤：
    应用程序 APP获取需要缴纳保费的保单，及保单中包含的保险种类；
    根据保单中包含的保险种类获取各个保单的应缴保费及应缴费时间，并将各个保单的应缴保费及应缴费时间进行保存；
    在接收到用户输入的保单账号或到达应缴费时间时，提取所述保单账号对应的应缴保费，并将提取到的应缴保费在显示界面进行显示，以提醒用户进行缴纳；
    当接收到确认缴费指令时，根据确认缴费指令扣除对应的保费，并生成缴费通知单。
  2. 如权利要求1所述的保费缴纳方法，其特征在于，所述应用程序 APP获取需要缴纳保费的保单，及保单中包含的保险种类的步骤之后还包括：
    根据所述保险种类提取对应的评估条件；
    根据所述评估条件判断所述保险种类是否需要重新评估；
    若需要重新评估，则将重新评估的提醒信息及进行重新评估所需的材料发送给客户，并根据重新评估后的保险种类获取保单的应缴保费及应缴费时间；
    若不需要重新评估，则执行所述根据保单中包含的保险种类获取各个保单的应缴保费及应缴费时间，并将各个保单的应缴保费及应缴费时间进行保存的步骤。
  3. 如权利要求1所述的保费缴纳方法，其特征在于，所述当接收到确认缴费指令时，根据确认缴费指令扣除对应的保费，并生成缴费通知单的步骤包括：
    当接收到确认缴费指令时，将缴费方式向用户推送；
    根据用户选择的缴费方式获取对应的用户账号；
    判断获取到的用户账号的余额是否等于或大于应缴保费；
    若所述获取到的用户账号的余额等于或大于应缴保费，则扣除对应的保费，并生成缴费通知单。
  4. 如权利要求1所述的保费缴纳方法，其特征在于，所述在接收到用户输入的保单账号或到达应缴费时间时，提取所述保单账号对应的应缴保费，并将提取到的应缴保费在显示界面进行显示，以提醒用户进行缴纳的步骤之后包括：
    判断接收到的保单账号是否为按月或按季度进行缴纳保费的账号；
    若所述接收到的保单账号为按月或按季度进行缴纳保费的账号，则根据所述账号在预设时间内需要缴纳保费的次数向用户推送对应的理财产品；
    当接收到确认缴费指令时，根据确认缴费指令在所述理财产品返回的金额中扣除对应的金额。
  5. 如权利要求1所述的保费缴纳方法，其特征在于，所述当接收到确认缴费指令时，根据确认缴费指令扣除对应的保费，并生成缴费通知单的步骤之后还包括：
    统计用户缴纳保费的时间，根据用户缴纳保费的时间分析用户缴纳保费的时效；
    根据用户缴纳保费的时效给予用户对应的缴纳保费时效评估分数；
    当用户的评估分数达到预设额度后，给予用户换取礼品的权限，并将用户获得换取礼品权限的信息发送至用户。
  6. 如权利要求5所述的保费缴纳方法，其特征在于，所述根据用户缴纳保费的时效给予用户对应的缴纳保费时效评估分数的步骤之后还包括：
    当接收到用户的贷款请求时，将所述评估分数作为用户贷款额度的依据，其中，所述评估分数越高，用户贷款额度越高。
  7. 一种保费缴纳设备，其特征在于，所述保费缴纳设备包括处理器及存储器，所述存储器中存储有保费缴纳程序；所述处理器用于执行所述保费缴纳程序，以实现以下步骤：
    应用程序 APP获取需要缴纳保费的保单，及保单中包含的保险种类；
    根据保单中包含的保险种类获取各个保单的应缴保费及应缴费时间，并将各个保单的应缴保费及应缴费时间进行保存；
    在接收到用户输入的保单账号或到达应缴费时间时，提取所述保单账号对应的应缴保费，并将提取到的应缴保费在显示界面进行显示，以提醒用户进行缴纳；
    当接收到确认缴费指令时，根据确认缴费指令扣除对应的保费，并生成缴费通知单。
  8. 如权利要求7所述的保费缴纳设备，其特征在于，所述处理器还用于执行所述保费缴纳程序，以实现以下步骤：
    当接收到确认缴费指令时，将缴费方式向用户推送；
    根据用户选择的缴费方式获取对应的用户账号；
    判断获取到的用户账号的余额是否等于或大于应缴保费；
    若所述获取到的用户账号的余额等于或大于应缴保费，则扣除对应的保费，并生成缴费通知单。
  9. 如权利要求7所述的保费缴纳设备，其特征在于，所述处理器还用于执行所述保费缴纳程序，以实现以下步骤：
    判断接收到的保单账号是否为按月或按季度进行缴纳保费的账号；
    若所述接收到的保单账号为按月或按季度进行缴纳保费的账号，则根据所述账号在预设时间内需要缴纳保费的次数向用户推送对应的理财产品；
    当接收到确认缴费指令时，根据确认缴费指令在所述理财产品返回的金额中扣除对应的金额。
  10. 如权利要求7所述的保费缴纳设备，其特征在于，所述处理器还用于执行所述保费缴纳程序，以实现以下步骤：
    判断接收到的保单账号是否为按月或按季度进行缴纳保费的账号；
    若所述接收到的保单账号为按月或按季度进行缴纳保费的账号，则根据所述账号在预设时间内需要缴纳保费的次数向用户推送对应的理财产品；
    当接收到确认缴费指令时，根据确认缴费指令在所述理财产品返回的金额中扣除对应的金额。
  11. 如权利要求7所述的保费缴纳设备，其特征在于，所述处理器还用于执行所述保费缴纳程序，以实现以下步骤：
    统计用户缴纳保费的时间，根据用户缴纳保费的时间分析用户缴纳保费的时效；
    根据用户缴纳保费的时效给予用户对应的缴纳保费时效评估分数；
    当用户的评估分数达到预设额度后，给予用户换取礼品的权限，并将用户获得换取礼品权限的信息发送至用户。
  12. 如权利要求7所述的保费缴纳设备，其特征在于，所述处理器还用于执行所述保费缴纳程序，以实现以下步骤：
    当接收到用户的贷款请求时，将所述评估分数作为用户贷款额度的依据，其中，所述评估分数越高，用户贷款额度越高。
  13. 一种保费缴纳装置，其特征在于，所述装置包括：
    获取模块，用于应用程序 APP获取需要缴纳保费的保单，及保单中包含的保险种类；根据保单中包含的保险种类获取各个保单的应缴保费及应缴费时间，并将各个保单的应缴保费及应缴费时间进行保存；
    第一提取模块，用于在接收到用户输入的保单账号或到达应缴费时间时，提取所述保单账号对应的应缴保费，并将提取到的应缴保费在显示界面进行显示，以提醒用户进行缴纳；
    生成模块，用于当接收到确认缴费指令时，根据确认缴费指令扣除对应的保费，并生成缴费通知单。
  14. 如权利要求13所述的保费缴纳装置，其特征在于，所述装置还包括：
    第二提取模块，根据所述保险种类提取对应的评估条件；
    第一判断模块，用于根据所述评估条件判断所述保险种类是否需要重新评估；若需要重新评估，则将重新评估的提醒信息及进行重新评估所需的材料发送给客户，并根据重新评估后的保险种类获取保单的应缴保费及应缴费时间；若不需要重新评估，则执行所述根据保单中包含的保险种类获取各个保单的应缴保费及应缴费时间，并将各个保单的应缴保费及应缴费时间进行保存的步骤。
  15. 如权利要求13所述的保费缴纳装置，其特征在于，所述生成模块包括：
    推送单元，用于当接收到确认缴费指令时，将缴费方式向用户推送；
    获取单元，用于根据用户选择的缴费方式获取对应的用户账号；
    判断单元，用于判断获取到的用户账号的余额是否等于或大于应缴保费；若所述获取到的用户账号的余额等于或大于应缴保费，则扣除对应的保费，并生成缴费通知单。
  16. 如权利要求13所述的保费缴纳装置，其特征在于，所述装置还包括：
    第二判断模块，用于判断接收到的保单账号是否为按月或按季度进行缴纳保费的账号；若所述接收到的保单账号为按月或按季度进行缴纳保费的账号，则根据所述账号在预设时间内需要缴纳保费的次数向用户推送对应的理财产品；
    扣除模块，用于当接收到确认缴费指令时，根据确认缴费指令在所述理财产品返回的金额中扣除对应的金额。
  17. 如权利要求13所述的保费缴纳装置，其特征在于，所述装置还包括：
    统计模块，用于统计用户缴纳保费的时间，根据用户缴纳保费的时间分析用户缴纳保费的时效；
    给予评估分数模块，用于根据用户缴纳保费的时效给予用户对应的缴纳保费时效评估分数；当用户的评估分数达到预设额度后，给予用户换取礼品的权限，并将用户获得换取礼品权限的信息发送至用户。
  18. 如权利要求13所述的保费缴纳装置，其特征在于，所述装置还包括：
    选取评估分数模块，用于当接收到用户的贷款请求时，将所述评估分数作为用户贷款额度的依据，其中，所述评估分数越高，用户贷款额度越高。
  19. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有保费缴纳程序，所述保费缴纳程序被处理器执行时实现如下步骤：
    应用程序 APP获取需要缴纳保费的保单，及保单中包含的保险种类；
    根据保单中包含的保险种类获取各个保单的应缴保费及应缴费时间，并将各个保单的应缴保费及应缴费时间进行保存；
    在接收到用户输入的保单账号或到达应缴费时间时，提取所述保单账号对应的应缴保费，并将提取到的应缴保费在显示界面进行显示，以提醒用户进行缴纳；
    当接收到确认缴费指令时，根据确认缴费指令扣除对应的保费，并生成缴费通知单。
  20. 如权利要求19所述的计算机可读存储介质，其特征在于，所述一个或者多个程序可被一个或者多个处理器执行，还实现以下步骤：
    根据所述保险种类提取对应的评估条件；
    根据所述评估条件判断所述保险种类是否需要重新评估；
    若需要重新评估，则将重新评估的提醒信息及进行重新评估所需的材料发送给客户，并根据重新评估后的保险种类获取保单的应缴保费及应缴费时间；
    若不需要重新评估，则执行所述根据保单中包含的保险种类获取各个保单的应缴保费及应缴费时间，并将各个保单的应缴保费及应缴费时间进行保存的步骤。
PCT/CN2018/083889 2017-08-24 2018-04-20 保费缴纳方法、装置、设备及可读存储介质 WO2019037454A1 (zh)

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