WO2019051943A1 - Method, apparatus, and device for generating credit message, and computer readable storage medium - Google Patents

Abstract

Embodiments of the present application provide a method, apparatus, and device for generating a credit message, and a computer readable storage medium. The method comprises: acquiring policy information of an insurance product; processing the policy information according to preset processing rules of the policy information to obtain a string cluster corresponding to the policy information; and processing the string cluster separately according to preset format requirements of each segment body of a credit message to generate corresponding credit message segment bodies, and combining all the credit message segment bodies to form the credit message. According to the method of the embodiments of the present application, as long as the policy information of the insurance product is acquired, the device can automatically generate the credit message meeting the preset format requirements according to the policy information without manually combining the policy information into the credit message in a preset format, thereby greatly improving the work efficiency and reducing the error rate.

Description

 Method, device, device and computer readable storage medium for generating credit information

This application claims the priority of the Chinese Patent Application filed on September 18, 2017, the Chinese Patent Office, the application number is 201710841909.3, and the invention is entitled "Method, device, device and computer readable storage medium for generating a credit information message". The entire contents of this application are incorporated herein by reference.

Technical field

The present application relates to the field of information processing technologies, and in particular, to a method, an apparatus, a device, and a computer readable storage medium for generating a credit information message.

Background technique

In the course of underwriting, credit insurance and other insurance products need to upload the insurance policy information to the People's Bank Credit Information System. The data format uploaded to the PBC's credit information system is uniformly required, but our policy information does not meet the PBOC. The data format of the credit information system, so the data format of the policy information needs to be converted into a format that meets the requirements. The existing method generally first manually finds the policy information, and then manually splicing the policy information into the credit line of the People's Bank of China. The formatted data of the system is stored in a file and finally uploaded to the People's Bank of China Credit Information System.

The process of manually splicing the data in the policy information into the data that meets the format requirements is huge, requires a large number of operators, has a long work cycle, and has low work efficiency. The professional requirements of the operators are relatively high, and the operators need to Familiar with the message format requirements of the PBC system; in addition, manual operations will have errors, especially the risk of misoperation after long-term operation increases.

Summary of the invention

The embodiment of the present application provides a method, an apparatus, a device, and a computer readable storage medium for generating a credit information, which can significantly improve work efficiency and reduce error rate.

In a first aspect, the embodiment of the present application provides a method for generating a credit information packet, where the method includes:

Obtain policy information for the insurance contract;

And processing the policy information according to the preset processing rule of the policy information, to obtain a string cluster corresponding to the policy information;

The string clusters are processed according to the preset format of each segment of the credit information packet, and the corresponding credit message segment body is generated, and all the credit information segment segments are combined to form a credit information packet.

In a second aspect, the embodiment of the present application further provides an apparatus for generating a credit information packet, where the apparatus includes a unit for performing the foregoing method for generating a credit information message.

In a third aspect, the embodiment of the present application further provides a device for generating a credit information packet, where the device includes a memory, and a processor connected to the memory;

The memory is configured to store program data that implements a method for generating a credit information message;

The processor is configured to execute program data stored in the memory to perform the method as described in the first aspect above.

In a fourth aspect, an embodiment of the present application provides a computer readable storage medium, where the one or more program data is stored, and the one or more program data may be processed by one or more processes. The apparatus is executed to implement the method described in the first aspect above.

The embodiment of the present application provides a method, an apparatus, a device, and a computer readable storage medium for generating a credit information, the method comprising: obtaining policy information of an insurance product; and the policy according to a preset processing rule of the policy information The information is processed to obtain a string cluster corresponding to the policy information; the string cluster is processed according to a preset format requirement of each segment of the credit message, and a corresponding credit segment body is generated, and all the signs are generated. The combination of the message segment forms a credit message. With the method of the embodiment of the present application, the device only needs to obtain the policy information of the insurance product, and after processing the policy information, the device can automatically generate the credit information packet that meets the requirements of the preset format, and no longer needs to manually splicing the policy information into The pre-set format of the credit report greatly improves work efficiency and reduces the error rate.

DRAWINGS

In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings used in the description of the embodiments will be briefly described below. It is obvious that the drawings in the following description are some embodiments of the present application. For the ordinary technicians, other drawings can be obtained based on these drawings without paying creative labor.

1 is a schematic flowchart of a method for generating a credit information packet according to an embodiment of the present application;

2 is a schematic diagram of a sub-flow of a method for generating a credit information packet according to an embodiment of the present application;

3 is a schematic diagram of another sub-flow of a method for generating a credit information packet according to an embodiment of the present application;

4 is a schematic diagram of another sub-flow of a method for generating a credit information packet according to an embodiment of the present application;

FIG. 5 is a schematic diagram of another sub-flow of a method for generating a credit information packet according to an embodiment of the present application;

FIG. 6 is a schematic diagram of another sub-flow of a method for generating a credit information message according to an embodiment of the present application;

FIG. 7 is a schematic diagram of another sub-flow of a method for generating a credit information message according to an embodiment of the present application;

FIG. 8 is a schematic flowchart of a method for generating a credit information packet according to another embodiment of the present application;

FIG. 9 is a schematic block diagram showing a unit structure of an apparatus for generating a credit information message according to an embodiment of the present application;

FIG. 10 is a schematic block diagram showing the structure of an apparatus for generating a credit information message according to an embodiment of the present application;

11 is a schematic block diagram showing another subunit structure of an apparatus for generating a credit information packet according to an embodiment of the present application;

FIG. 12 is a schematic block diagram showing another subunit structure of an apparatus for generating a credit information message according to an embodiment of the present application;

FIG. 13 is a schematic block diagram showing another subunit structure of an apparatus for generating a credit information message according to an embodiment of the present application;

FIG. 14 is a schematic block diagram showing another subunit structure of an apparatus for generating a credit information message according to an embodiment of the present application;

15 is a schematic block diagram showing another subunit structure of an apparatus for generating a credit information packet according to an embodiment of the present application;

FIG. 16 is a schematic block diagram of an apparatus for generating a credit information message according to an embodiment of the present application.

Detailed ways

The technical solutions in the embodiments of the present application are clearly and completely described in the following with reference to the drawings in the embodiments of the present application. It is obvious that the described embodiments are a part of the embodiments of the present application, and not all of the embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments of the present application without departing from the inventive scope are the scope of the present application.

It will be understood that the terms "comprise" and "the" when used in the specification and the appended claims "Comprising" indicates the existence of the described features, integers, steps, operations, elements and/or components, but does not exclude the presence of one or more other features, integers, steps, operations, elements, components and/or combinations thereof Add to.

It should also be understood that the term "and / is used in the specification and the appended claims of this application. Or "" refers to any combination of one or more of the associated listed items and all possible combinations, and includes such combinations.

It should also be understood that although the terms first, second, etc. may be used herein to describe various elements, these elements should not be limited to these terms, and these terms are only used to distinguish the elements from one another. For example, the first character string may be referred to as a second character string without departing from the scope of the present application, and similarly, the second character string may be referred to as a first character string.

FIG. 1 is a schematic flowchart of a method for generating a credit information packet according to an embodiment of the present disclosure. The method can be run on terminals such as smart phones (such as Android phones, IOS phones, etc.), tablets, laptops, and smart devices. As shown in FIG. 1, the steps of the method include S101~S103.

S101. Obtain policy information of an insurance contract.

Among them, the policy information of a policy generally includes the organization code of the insurance company, the name of the guarantor, the type of the guarantor's certificate, the guarantor's ID number, the policy number, the insurance contract number, the type of insurance business, the insurance method, the insurance amount, and the insurance start. Date, insurance expiration date, deposit margin ratio, counter-guarantee method, agreed re-guarantee compensation ratio, rate, annualized rate, effective status of insurance contract, date of cancellation of compensation liability, balance of in-service balance and date of balance change, etc. These policy information is important information involved in the insurance contract and is indispensable in the insurance underwriting process.

For example, the policy information is first stored in an excel form. The insurance system uses the docking interface to extract the policy information from the excel form, and saves the policy information as a CSV file. When the operator needs to generate the corresponding policy, When the message is collected, the device in the CSV format can be imported into the device capable of generating the credit information through a page window, and the device can obtain the policy information of the insurance contract.

S102: Process the policy information according to a preset processing rule of the policy information, to obtain a string cluster corresponding to the policy information.

The preset processing rule refers to processing the policy information in combination with the policy format and the string format of the credit information. The purpose of processing the policy information according to the preset processing rule of the policy information is to make the format of the policy information contained in the finally obtained string cluster conform to the format requirement of the credit information.

The string cluster includes a first string, a third string, a fourth string, a fifth string, a sixth string, a seventh string, and an eighth string. The first character string and the third character string can be identified by the insurance company's institution code, the fourth character string can be identified by the guarantor name, and the fifth character string can be identified by the guarantor's document type and the guarantor's document number, The six-character string can be identified as the type of insurance business, insurance method, insurance amount, insurance start date, insurance expiration date, deposit margin ratio, counter-guarantee method, agreed re-guarantee compensation ratio, rate and annualized rate, etc. The seventh character string can be identified as the valid status of the insurance contract, the release responsibility release date, the insured balance and the balance change date, etc., and the eighth character string can be identified as the number of policies corresponding to the policy information. information. In addition to the respective character strings formed by the above policy information, the other policy information itself as a character string and the first character string, the third character string, the fourth character string, the fifth character string, the sixth character string, the seventh character string, and The eighth string forms a cluster of strings.

S103: Process the string cluster according to a preset format requirement of each segment of the credit information packet, generate a corresponding credit report segment body, and combine all the credit information segment segments to form a credit information packet.

The preset format requirements include the arrangement of the string and the string corresponding to the segment content.

The credit message segment body includes a message header, a base segment, an insurance contract segment, an actual compensation responsibility information segment, and a message tail.

Further, as shown in FIG. 2, the step S102 includes sub-steps S1021a-S1022a.

S1021a: Obtain a packet header identification number and a packet format version number.

S1022a, combining the packet header identification number, the message format version number, and the insurance company's organization code to form the first character string.

The policy information to be included in the header is the insurance company's organization code. In the process of processing the insurance company's organization code, the policy information needs to be processed according to the requirements of the message header, and finally it is recognized. The first character string of the policy information is formed by combining the message header identification number, the message format version number, and the organization code in sequence.

The identifier of the packet header is a letter, and the length of the packet is 1 digit, for example, A; the length of the packet format version is 3 digits, and the default value is 1.0 in the embodiment of the present application.

In the first string, the word length of the organization code is the preset number of bits. If the number of bits of the organization code in the original policy information is not enough, then four spaces are added directly after the organization code, and the organization code described in the full text is The number of bits is 14, and the actual number of bits in the organization code is not enough to add spaces to the length of 14 bits. Specifically, in the embodiment of the present application, in order to comply with the format requirements of the People's Bank of China credit information system, the preset number of bits is 14 bits.

Further, as shown in FIG. 3, the step S103 includes sub-steps S1031a-S1034a for generating a message header.

S1031a obtains the packet type of the packet to be generated, and obtains the code corresponding to the packet type.

The packet type includes the insurance service information normal message, the insurance service information identification change message, and the insurance service information deletion message. The insurance service information normal message corresponds to the code 81, and the insurance service information identification change message corresponds to the code 82. The code corresponding to the insurance service information deletion message is 83.

In the embodiment of the present application, the policy is generally a non-modified non-changing policy, and the message type corresponds to the insurance service information. Normal message.

S1032a, obtains the current time as the packet generation time.

The length of the packet generation time is 14 bits, including the packet generation date and the specific time when the packet is generated. The packet generation date is the year, month, and day information. The specific time of the packet generation is the hour, minute, and second information, such as YYYYMMDDHHMMSS and YYYY. Year, MM stands for month, DD stands for specific day, HH stands for a few hours, MM stands for a few minutes, and SS stands for a few seconds.

S1033a: Combine the code generation time with a code corresponding to the message type to form a second character string.

S1034a: The first character string and the second character string are sequentially arranged to form the message header.

The header of the message mainly includes the first character string and the second character string, which reflect the organization code of the insurance company.

Further, as shown in FIG. 4, the step S102 includes sub-steps S1021b-S1022b.

S1021b: Obtain a base segment identification number, a message number of a required message, and a code that can identify a service information record category, obtain a type of the guarantor according to the guarantor name, acquire a code corresponding to the type of the guarantor, and the code The code corresponding to the type of the certificate holder.

The service information record category includes an insurance service information record, the corresponding code is 61, the base segment identification number has a word length of 1, and is represented by a letter, for example, B, the message number has a word length of 4, and the type of the guarantor is Including organizations and natural persons, the corresponding codes are 1 and 2, the guarantor's name is 80 characters long, and the number of digits is not enough to add spaces after the name to 80, 0-ID;

The types of documents of the guarantor include residence book, passport, military officer's card, soldier's card, Hong Kong and Macao residents' travel to and from the Mainland, Taiwan compatriots' transit to the Mainland, temporary ID card, foreigner's residence permit, police officer's card, Hong Kong identity card, Macao identity card, Taiwan identity Certificates, other documents, organization code certificates, loan cards, agency credit codes, etc., corresponding codes are 1, 2, 3, 4, 5, 6, 7, 8, 9, A, B, C, X, a , c and d, when the sponsor is a business or other organization, the insured's document type is preferred c, followed by d and a.

In the specific implementation process, the insured's ID number is required to be 18 digits. In the original policy information, the actual word length of the insurer's ID number is less than 18, and the last reserved space is filled with 18 digits.

S1022b, the message number, the code that can identify the service information record category, the base segment identification number, and the insurance company's organization code are sequentially combined to form the third character string, and the type of the guaranteed person is The corresponding code is combined with the sponsored name to form the fourth character string, and the code corresponding to the sponsored document type is combined with the sponsored document number to form the fifth character string.

Further, the step S103 further includes a sub-step S1031b for generating a base segment.

S1031b. The third character string, the policy number, the insurance contract number, the fourth character string, the fifth character string, and the message generation date are sequentially arranged to form the basic segment.

Specifically, the word number of the policy number is 60 digits, and the word length of the insurance contract number is 60 digits.

Therefore, the basic paragraph includes basic policy information such as the name of the guarantor, the type of guarantor's certificate, the guarantor's ID number, the policy number, and the insurance contract number.

Further, in order to comply with the format requirements of the People's Bank of China credit information system, a space length of 30 spaces is reserved between the message header and the base segment.

Further, as shown in FIG. 5, step S102 further includes sub-steps S1021c-S1022c.

S1021c obtains a code corresponding to the type of the insurance service, a code corresponding to the insurance method, a code corresponding to the counter-guarantee method, and an identification number of the insurance contract segment.

In the embodiment of the present application, the insurance business type is a personal consumption credit insurance type, and the corresponding code is 31, and the insurance method includes two methods of guarantee and credit, and the corresponding codes are 1 and 2 respectively, and the counter guarantee method includes a natural person credit guarantee, Third-party enterprise credit guarantee, movable property pledge guarantee, deposit certificate pledge guarantee, intellectual property pledge guarantee, accounts receivable pledge guarantee, other pledge guarantee, real estate mortgage guarantee, other mortgage guarantee, multiple forms combination guarantee and non-reverse guarantee method, respectively The corresponding codes are 0,1,2,3,4,5,6,7,8,9 and x, wherein the multiple forms combination guarantee refers to two or more kinds of counter guarantees other than the no-guarantee method. a combination of ways.

In the specific implementation process, the type of insurance business is fixed to the type of personal consumption credit insurance, and the counter-guarantee method is selected as the natural person credit guarantee.

The insurance contract segment identification number is a letter with a word length of 1, such as D.

S1022c, the insurance contract segment identification number, the code corresponding to the insurance business type, the code corresponding to the insurance method, the insurance amount, the insurance start date, the insurance expiration date, the deposit margin ratio, the code corresponding to the counter-guarantee method, and the agreement The re-guarantee compensation ratio, the rate, and the annualized rate are sequentially combined to form the sixth character string.

In the sixth string, the word length of the insurance amount is 20 digits. If the word size of the insurance amount in the original policy information is less than 20 digits, add 0 to the word length in the amount of the amount, the insurance start date and the insurance expiration date. It takes 6 characters, including year, month and day information. The deposit margin ratio accounts for 3 digits. The agreed re-guarantee compensation ratio accounts for 3 digits, and the rate and annualized rate account for 3 digits.

The sixth string is the insurance contract segment. In order to comply with the format requirements of the People's Bank of China Credit Information System, 60 spaces are reserved between the insurance contract segment and the base segment.

Further, as shown in FIG. 6, step S102 further includes sub-steps S1021d-S1022d.

S1021d, obtaining the code corresponding to the actual compensation responsibility information segment identification number and the insurance contract effective state.

The actual compensation liability information segment identification number is a letter, the word length is 1, for example, H, the insurance contract valid state is divided into valid and invalid, and the corresponding codes are 1 and 2.

S1022d: The seventh string is formed by sequentially combining the actual compensation responsibility information segment identification number, the code corresponding to the insurance contract effective state, the compensation responsibility release date, the insured balance, and the balance change date.

In the seventh string, the date of request for the release of the responsibility and the date of the change of the balance account for 6 characters, including the date of the year, the date of the balance, the length of the word for the balance is 20, and the actual length of the word is not enough. Add 0 to make up the word length before.

The seventh character string is the actual compensation responsibility information segment, and 60 spaces are reserved between the actual compensation responsibility information segment and the insurance contract segment.

Further, as shown in FIG. 7, step S102 includes sub-steps S1021e-S1022e:

S1021e: Obtain a policy quantity and a message tail identification number included in the policy information, where the word length of the policy number is a preset number of bits.

S1022e: Combine the message tail identification number with the policy number to form the eighth character string.

The identifier of the end of the message is a letter with a length of 1, such as Z.

Step S103 includes: using the eighth character string as the end of the message. For example, if the preset number of digits is 10 digits and the number of policies is 26, the end of the message is Z0000000026.

The basic segment, the insurance contract segment and the actual compensation liability information segment are arranged in sequence as the message body of the credit information message, and the packet header, the message body and the message tail form an overall credit information message.

In particular, if the number of policies is greater than or equal to two, the base segment, the insurance contract segment, and the actual compensation liability information segment corresponding to each policy are sequentially arranged as a whole to form a message body.

It should be noted that the processing of each policy information in step S102 does not distinguish the specific sequence, and the different policy information is described in different sub-steps only to explain the processing procedure of each policy information more clearly.

In the method for generating a credit information provided by the embodiment of the present application, the operator only needs to upload the policy information to the device, and the device automatically generates a file that finally meets the requirements, thereby reducing the operation cost, and the operator does not need to manually splicing the policy information into the credit information. The message reduces the probability of error.

FIG. 8 is a schematic flowchart of a method for generating a credit information packet according to another embodiment of the present application, where the method includes steps S201-S205.

S201. Obtain a serial number provided by the user.

The user enters a serial number in the CSV format file containing the policy information in the page window, and the serial number is used to name the credit information message.

S202. Obtain policy information of the insurance contract.

S203. Process the policy information according to a preset processing rule of the policy information, to obtain a string cluster corresponding to the policy information.

S204: Process the string cluster according to a preset format requirement of each segment of the credit information packet, generate a corresponding credit report segment body, and combine all the credit information segment segments to form a credit information packet.

The steps S202-S203 are completely consistent with the steps S101-S103S of the foregoing embodiment. For the specific process, refer to the foregoing embodiment.

S205. Generate a file name according to the serial number as the credit information packet, and output the credit information packet.

In order to comply with the format requirements of the People's Bank of China Credit Information System, the length of the file name is set to 26, the first representative of the credit information system type, 1 the personal credit information system, 2 the corporate credit information system, and the 2-3th representative office. Type, in the embodiment of the present application is mainly to send data to the People's Bank Credit Information System, fixedly set to the data reporting organization, the code is 10, the 3-17th is the insurance company's organization code, the 18th-19th indicator message The type, 16 represents the insurance service information modification message, 15 represents the insurance service information normal message, 14 represents the insurance service information deletion message, and the credit information message generated by the embodiment of the present application is the insurance business information normal message, the 20th place Indicates the batch data type, 1 means that the data is normal, 0 means that the data is abnormal, and the 21st to 24th is the serial number provided by the user. The serial number that the user can input is 0000-9999, but the serial number entered in the same day cannot be repeated. The 25th position is the feedback, and the fixed value is 0, which means that the message is reported to the People's Bank of China, and the 26th position is fixed at 0.

After the formation of the credit information message, according to the specific situation, corresponding to each digit of the required file name, a specific file name is named, and the credit information message is output, and the credit information message is txt. The document, the credit report message is finally uploaded to the People's Bank Credit Information System by the user according to actual needs.

In the method for generating a credit information provided by the embodiment of the present application, the operator only needs to upload the policy information and the named serial number to the device, and the device automatically generates a file that meets the requirements and performs the credit information according to the format requirement. Naming, reducing operating costs.

FIG. 9 is a schematic block diagram of an apparatus for generating a credit information according to an embodiment of the present application. The apparatus includes an acquisition unit 101, a processing unit 102, a generation unit 103, a naming unit 104, and an output unit 105.

The obtaining unit 101 is configured to acquire the serial number provided by the user and the policy information of the insurance contract.

The policy information of an insurance policy includes the insurance company's organization code, the name of the guarantor, the type of guarantor's certificate, the guarantor's ID number, the policy number, the insurance contract number, the type of insurance business, the insurance method, the insurance amount, and the insurance start date. Insurance expiration date, deposit deposit ratio, counter-guarantee method, agreed re-guarantee compensation ratio, rate, annualized rate, effective status of insurance contract, date of repayment of liability, balance of in-service balance and date of balance change, etc. Policy information is important information involved in an insurance contract and is indispensable in the insurance underwriting process.

In the embodiment of the present application, the policy information is first stored in an excel form, and the insurance system uses the docking interface to extract the policy information from the excel form, and saves the policy information as a CSV format file when the operator needs When the credit information corresponding to the policy is generated, the file and the serial number in the CSV format are imported into the device capable of generating the credit information through a page window, and the device can obtain the policy information of the insurance contract and the serial number.

The processing unit 102 is configured to process the policy information according to a preset processing rule of the policy information, to obtain a cluster of strings corresponding to the policy information.

The string cluster includes a first string, a third string, a fourth string, a fifth string, a sixth string, a seventh string, and an eighth string. The first character string and the third character string can be identified by the insurance company's institution code, the fourth character string can be identified by the guarantor name, and the fifth character string can be identified by the guarantor's document type and the guarantor's document number, The six-character string can be identified as the type of insurance business, insurance method, insurance amount, insurance start date, insurance expiration date, deposit margin ratio, counter-guarantee method, agreed re-guarantee compensation ratio, rate and annualized rate, etc. The seventh character string can be identified as the valid status of the insurance contract, the release responsibility release date, the insured balance and the balance change date, etc., and the eighth character string can be identified as the number of policies corresponding to the policy information. information.

The generating unit 103 is configured to process the cluster of the character string according to the preset format requirement of each segment of the credit information packet, generate a corresponding credit report segment body, and combine all the credit information segment segments to form a sign. Letter message.

The naming unit 104 is configured to generate a file name according to the serial number as the credit information message. In order to comply with the format requirements of the People's Bank of China Credit Information System, the length of the file name is set to 26, the first representative of the credit information system type, 1 the personal credit information system, 2 the corporate credit information system, and the 2-3th representative office. Type, in the embodiment of the present application is mainly to send data to the People's Bank Credit Information System, fixedly set to the data reporting organization, the code is 10, the 3-17th is the insurance company's organization code, the 18th-19th indicator message The type, 16 represents the insurance service information modification message, 15 represents the insurance service information normal message, 14 represents the insurance service information deletion message, and the credit information message generated by the embodiment of the present application is the insurance business information normal message, the 20th place Indicates the batch data type, 1 means that the data is normal, 0 means that the data is abnormal, and the 21st to 24th is the serial number provided by the user. The serial number that the user can input is 0000-9999, but the serial number entered in the same day cannot be repeated. The 25th position is the feedback, and the fixed value is 0, which means that the message is reported to the People's Bank of China, and the 26th position is fixed at 0.

The output unit 105 is configured to output the credit information message.

In order to obtain the credit information packet that meets the format requirements, the policy information needs to be processed first. In the embodiment of the present application, as shown in FIG. 10, the processing unit 102 includes:

The first obtaining sub-unit 1021a is configured to obtain a packet header identification number and a packet format version number.

The first forming subunit 1022a is configured to combine the packet header identification number, the message format version number, and the insurance company's organization code to form a first character string.

The policy information to be included in the header is the insurance company's organization code. In the process of processing the insurance company's organization code, the policy information needs to be processed according to the requirements of the message header, and finally it is recognized. The first character string of the policy information is formed by combining the message header identification number, the message format version number, and the organization code in sequence.

As shown in FIG. 11, the generating unit 103 includes:

The second obtaining sub-unit 1031a is configured to obtain a packet type of the packet to be generated, obtain a code corresponding to the packet type, and obtain a current time as the packet generation time. The packet type includes the insurance service information normal message, the insurance service information identification change message, and the insurance service information deletion message. The insurance service information normal message corresponds to the code 81, and the insurance service information identification change message corresponds to the code 82. The code corresponding to the insurance service information deletion message is 83.

The second forming subunit 1032a is configured to combine the code generation time and the code corresponding to the message type to form a second character string. The packet generation time is 14 bits, including the packet generation date and the packet generation time. The packet generation date is the year, month, and day information, and the packet generation time is the hour, minute, and second information.

The third forming subunit 1033a is configured to sequentially arrange the first character string and the second character string to form the message header. The header of the message mainly includes the first character string and the second character string, which reflect the organization code of the insurance company.

The second obtaining sub-unit 1031a, the second forming sub-unit 1032a, and the third forming sub-unit 1033a are used to generate a packet header of the credit information.

In the embodiment of the present application, as shown in FIG. 12, the processing unit 102 further includes:

The third obtaining sub-unit 1021b is configured to obtain a base segment identification number, a packet number of the required packet, and a code that can identify the service information record category, obtain the type of the guaranteed person according to the name of the sponsor, and obtain the guaranteed person. The code corresponding to the type and the code corresponding to the type of the guarantor's certificate. The service information record category includes an insurance service information record, the corresponding code is 61, the base segment identification number has a word length of 1, and is represented by a letter, for example, B, the message number has a word length of 4, and the type of the guarantor is Including organizations and natural persons, the corresponding codes are 1 and 2, the guarantor's name is 80 characters long, and the number of digits is not enough to add a space after the name to 80, 0-ID card; the guarantor's ID type includes the household registration book , Passport, Military Officer Card, Soldier Card, Hong Kong and Macao Residents' Passes to and from the Mainland, Taiwan Compatriots to and from the Mainland, Temporary Identity Card, Foreigner Residence Permit, Police Officer Card, Hong Kong Identity Card, Macao Identity Card, Taiwan Identity Card, Other Documents, Organization Code certificate, loan card, agency credit code, etc., corresponding codes are 1, 2, 3, 4, 5, 6, 7, 8, 9, A, B, C, X, a, c, and d, when When the guarantor is a business or other organization, the type of the insured's certificate is preferred c, followed by d and a.

In the specific implementation process, the insured's ID number is required to be 18 digits. In the original policy information, the actual word length of the insurer's ID number is less than 18, and the last reserved space is filled with 18 digits.

a fourth forming subunit 1022b, configured to sequentially combine the message number, the code that can identify the service information record category, the base segment identification number, and the insurance company's organization code to form a third character string. The code corresponding to the type of the guarantor is combined with the guarantor name to form a fourth character string, and the code corresponding to the guarantor certificate type is combined with the guarantor certificate number to form a fifth character string.

Further, the generating unit 103 further includes a fifth forming subunit, where the fifth forming subunit is configured to use the third character string, the policy number, the insurance contract number, the fourth character string, the fifth character string, and the message The generation date is arranged in order to form the base segment.

In the embodiment of the present application, the word length of the policy number is 60, and the word length of the insurance contract number is 60. Therefore, the basic section includes the name of the guarantor, the type of the guarantor's certificate, the guarantor's ID number, the policy number, and the insurance. Basic policy information such as contract number.

In order to comply with the format requirements of the People's Bank of China's credit information system, a space length of 30 spaces is reserved between the message header and the base segment.

As shown in FIG. 13, the processing unit 102 further includes:

The fourth obtaining sub-unit 1021c is configured to obtain a code corresponding to the insurance service type, a code corresponding to the insurance mode, and a code corresponding to the counter-guarantee mode, and obtain an insurance contract segment identification number. Among them, the insurance business type is personal consumption credit insurance type, the corresponding code is 31, the insurance method includes guarantee and credit two ways, the corresponding codes are 1 and 2 respectively, and the counter-guarantee methods include natural person credit guarantee and third-party enterprise credit guarantee. , movable property pledge guarantee, deposit certificate pledge guarantee, intellectual property pledge guarantee, account receivable pledge guarantee, other pledge guarantee, real estate mortgage guarantee, other mortgage guarantee, multiple forms combination guarantee and no counter guarantee method, respectively, the corresponding code is 0 , 1, 2, 3, 4, 5, 6, 7, 8, 9 and x, wherein the combination of multiple forms of guarantee refers to a combination of two or more types of counter-guarantee methods other than the no-guarantee method. In some embodiments, the insurance business type is fixed to the personal consumption credit insurance type, and the counter guarantee method is selected as the natural person credit guarantee. The insurance contract segment identification number is a letter with a word length of 1, such as D.

The sixth forming subunit 1022c is configured to use the insurance contract segment identification number, the code corresponding to the insurance service type, the code corresponding to the insurance method, the insurance amount, the insurance start date, the insurance expiration date, the deposit margin ratio, and the reverse The code corresponding to the guarantee method, the agreed re-guarantee compensation ratio, the rate and the annualized rate are combined in order to form a sixth string. Among them, in the sixth string, the word length of the insurance amount is 20 digits. If the word size of the insurance amount in the original policy information is less than 20 digits, add 0 to the word length in the amount of the amount, and the insurance start date and insurance expires. The date is 6 characters long, including the year, month and day information. The deposit margin ratio accounts for 3 digits. The agreed re-guarantee compensation ratio accounts for 3 digits, and the rate and annualized rate are 3 digits.

The generating unit 103 is further configured to use the sixth character string as the insurance contract segment. In order to comply with the format requirements of the People's Bank of China Credit Information System, 60 spaces are reserved between the insurance contract segment and the base segment.

As shown in FIG. 14, the processing unit 102 further includes:

The fifth obtaining sub-unit 1021d is configured to obtain a code corresponding to the actual compensation responsibility information segment identification number and the insurance contract effective state. The actual compensation responsibility information segment identification number is a letter, the word length is 1, for example, H, the insurance contract valid state is divided into valid and invalid, and the corresponding codes are 1 and 2.

The seventh forming subunit 1022d is configured to combine the actual compensation responsibility information segment identification number, the code corresponding to the effective status of the insurance contract, the release responsibility release date, the balance on the balance of the insurance, and the balance change date. string. Among them, in the seventh string, the date for requesting the release of the responsibility and the date of the change of the balance account for 6 characters, including the date of the year, the date of the balance, the requirement for the length of the balance is 20, and the actual length of the word is insufficient. The number before the increase of 0 complements the word length.

The generating unit 103 is further configured to use the seventh character string as the actual compensation responsibility information segment. Among them, 60 spaces are reserved between the actual compensation responsibility information section and the insurance contract section.

In the embodiment of the present application, as shown in FIG. 15, the processing unit 102 further includes:

The sixth obtaining sub-unit 1021e is configured to acquire the number of policies and the end of the message included in the policy information, where the word length of the policy number is a preset number of bits. In some embodiments, the preset number of bits is 10 bits, the message tail identification number is a letter, and the word length is 1, such as Z.

The eighth forming subunit 1022e is configured to combine the message tail identification number and the policy number to form the eighth character string.

The generating unit 103 is further configured to: use the eighth character string as the message tail. For example, if the number of policies is 26, the end of the message is Z0000000026.

The basic segment, the insurance contract segment and the actual compensation liability information segment are arranged in sequence as the message body of the credit information message, and the packet header, the message body and the message tail form an overall credit information message.

In particular, if the number of policies is greater than or equal to two, the base segment, the insurance contract segment, and the actual compensation liability information segment corresponding to each policy are sequentially arranged as a whole to form a message body.

The above apparatus for generating a credit message can be implemented in the form of a computer program which can be run on a computer device as shown in FIG.

FIG. 16 is a schematic block diagram of an apparatus for generating a credit information packet according to an embodiment of the present disclosure. The device may be a terminal or a server, wherein the terminal may be a communication-enabled electronic device such as a smart phone, a tablet computer, a notebook computer, a desktop computer, a personal digital assistant, and a wearable device. The server can be a standalone server or a server cluster consisting of multiple servers.

The device is a computer device 200 comprising a processor 202 connected by a system bus 201, a non-volatile storage medium 203, an internal memory 204, and a network interface 205. The non-volatile storage medium 203 of the computer device 200 can store an operating system 2031 and a computer program 2032. When the computer program 2032 is executed, the processor 202 can be caused to perform a method of generating a credit message. The processor 202 of the computer device 200 is used to provide computing and control capabilities to support the operation of the entire computer device 200. The internal memory 204 provides an environment for the operation of the computer program 2032 in the non-volatile storage medium 203, which when executed by the processor 202, may cause the processor 202 to perform a method of generating a credit message. The network interface 205 of the computer device 200 is used to perform network communications, such as sending assigned tasks and the like. It will be understood by those skilled in the art that the structure shown in FIG. 16 is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation of the computer device to which the solution of the present application is applied. The specific computer device may It includes more or fewer components than those shown in the figures, or some components are combined, or have different component arrangements.

The processor 202 is configured to run the computer program 2032 in the non-volatile storage medium 203 to perform the following operations:

Obtaining policy information of the insurance contract; processing the policy information according to the preset processing rule of the policy information, and obtaining a string cluster corresponding to the policy information; respectively, according to a preset format of each segment of the credit information packet The cluster of the string is processed to generate a corresponding packet segment, and all the segments of the packet are combined to form a packet.

The processor 202 also performs the following operations:

Obtaining the serial number provided by the user; obtaining the policy information of the insurance contract; processing the policy information according to the preset processing rule of the policy information, and obtaining a cluster of strings corresponding to the policy information; The preset format of the segment body is required to process the string cluster, generate a corresponding credit message segment body, and combine all the credit message segment segments to form a credit information packet; according to the serial number, the credit information is The message generates a file name and outputs the credit information message.

The policy information includes the organization code of the insurance company, the name of the guarantor, the type of the guarantor's certificate, the guarantor's ID number, the policy number, the insurance contract number, the type of insurance business, the insurance method, the insurance amount, the insurance start date, and the insurance expiration. Date, deposit deposit ratio, counter-guarantee method, agreed re-guarantee compensation ratio, rate, annualized rate, effective status of insurance contract, date of repayment of liability, date of insured balance and date of balance change, etc. It includes the message header, the base segment, the insurance contract segment, the actual compensation responsibility information segment and the end of the message.

The processor 202 also performs the following operations:

Obtaining a packet header identification number and a packet format version number; combining the packet header identification number, the packet format version number, and the organization code to form a first character string; obtaining a packet type of the required packet to be generated, and obtaining a report The text type obtains the corresponding code; the message generation time is obtained in the message generation process; the message generation time is combined with the code to form a second character string; and the first character string and the second character string are pressed The message headers are formed in a sequential order.

The processor 202 also performs the following operations:

Obtaining a base segment identification number, a message number of a required message to be generated, and a code capable of identifying a service information record category, obtaining a type of the guarantor according to the guarantor name, obtaining a code corresponding to the type of the guarantor, and the guarantor a code corresponding to the document type; combining the message number, the code capable of identifying the service information record category, the base segment identification number, and the insurance company's organization code to form a third character string, and the guarantor Combining the code corresponding to the type of the guarantor to form a fourth character string, combining the code corresponding to the guarantor certificate type with the guarantor certificate number to form a fifth character string; The policy number, the insurance contract number, the fourth character string, the fifth character string, and the message generation date are arranged in order to form the base segment.

The processor 202 also performs the following operations:

Obtaining the code corresponding to the type of insurance business, the code corresponding to the insurance method, and the code corresponding to the counter-guarantee method, and obtaining the identification number of the insurance contract segment; and obtaining the code corresponding to the insurance contract segment identification number, the insurance service type, and the insurance method The code, the insurance amount, the insurance start date, the insurance expiration date, the deposit margin ratio, the code corresponding to the counter-guarantee method, the agreed re-guarantee compensation ratio, the rate and the annualized rate are sequentially combined to form a sixth string. The sixth character string is used as the insurance contract segment.

The processor 202 also performs the following operations:

Obtain the code corresponding to the actual compensation liability information segment identification number and the effective status of the insurance contract; the actual compensation liability information segment identification number, the code corresponding to the effective status of the insurance contract, the release date of the compensation obligation, the insured balance, and the balance change The date is a combination of the seventh character string formed in order, and the seventh character string is used as the actual compensation responsibility information segment.

The processor 202 also performs the following operations:

Obtaining the number of policies included in the policy information and the identifier number of the message end, the word length of the policy number is a preset number of bits; combining the message tail identification number with the policy number to form the message tail.

It can be understood by those skilled in the art that the embodiment of the device for generating a credit message shown in FIG. 16 does not constitute a limitation on the specific configuration of the device for generating the credit message. In other embodiments, the credit message is generated. The device may include more or fewer components than those illustrated, or some components may be combined, or different component arrangements. For example, in some embodiments, the device for generating the credit message may include only the memory and the processor. In such an embodiment, the structure and function of the memory and the processor are consistent with the embodiment shown in FIG. Let me repeat.

The application further 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 following steps:

Obtaining policy information of the insurance contract; processing the policy information according to the preset processing rule of the policy information, and obtaining a string cluster corresponding to the policy information; respectively, according to a preset format of each segment of the credit information packet The cluster of the string is processed to generate a corresponding packet segment, and all the segments of the packet are combined to form a packet.

In this embodiment, the following steps are also implemented:

Obtaining the serial number provided by the user; obtaining the policy information of the insurance contract; processing the policy information according to the preset processing rule of the policy information, and obtaining a cluster of strings corresponding to the policy information; The preset format of the segment body is required to process the string cluster, generate a corresponding credit message segment body, and combine all the credit message segment segments to form a credit information packet; according to the serial number, the credit information is The message generates a file name and outputs the credit information message.

The policy information includes the organization code of the insurance company, the name of the guarantor, the type of the guarantor's certificate, the guarantor's ID number, the policy number, the insurance contract number, the type of insurance business, the insurance method, the insurance amount, the insurance start date, and the insurance expiration. Date, deposit deposit ratio, counter-guarantee method, agreed re-guarantee compensation ratio, rate, annualized rate, effective status of insurance contract, date of repayment of liability, date of insured balance and date of balance change, etc. It includes the message header, the base segment, the insurance contract segment, the actual compensation responsibility information segment and the end of the message.

In this embodiment, the steps include:

Obtaining a packet header identification number and a packet format version number; combining the packet header identification number, the packet format version number, and the organization code to form a first character string; obtaining a packet type of the required packet to be generated, and obtaining a report The text type obtains the corresponding code; the message generation time is obtained in the message generation process; the message generation time is combined with the code to form a second character string; and the first character string and the second character string are pressed The message headers are formed in a sequential order.

In this embodiment, the steps include:

Obtaining a base segment identification number, a message number of a required message to be generated, and a code capable of identifying a service information record category, obtaining a type of the guarantor according to the guarantor name, obtaining a code corresponding to the type of the guarantor, and the guarantor a code corresponding to the document type; combining the message number, the code capable of identifying the service information record category, the base segment identification number, and the insurance company's organization code to form a third character string, and the guarantor Combining the code corresponding to the type of the guarantor to form a fourth character string, combining the code corresponding to the guarantor certificate type with the guarantor certificate number to form a fifth character string; The policy number, the insurance contract number, the fourth character string, the fifth character string, and the message generation date are arranged in order to form the base segment.

In this embodiment, the steps include:

Obtaining the code corresponding to the type of insurance business, the code corresponding to the insurance method, and the code corresponding to the counter-guarantee method, and obtaining the identification number of the insurance contract segment; and obtaining the code corresponding to the insurance contract segment identification number, the insurance service type, and the insurance method The code, the insurance amount, the insurance start date, the insurance expiration date, the deposit margin ratio, the code corresponding to the counter-guarantee method, the agreed re-guarantee compensation ratio, the rate and the annualized rate are sequentially combined to form a sixth string. The sixth character string is used as the insurance contract segment.

In this embodiment, the steps include:

Obtain the code corresponding to the actual compensation liability information segment identification number and the effective status of the insurance contract; the actual compensation liability information segment identification number, the code corresponding to the effective status of the insurance contract, the release date of the compensation obligation, the insured balance, and the balance change The date is a combination of the seventh character string formed in order, and the seventh character string is used as the actual compensation responsibility information segment.

In this embodiment, the steps include:

Obtaining the number of policies included in the policy information and the identifier number of the message end, the word length of the policy number is a preset number of bits; combining the message tail identification number with the policy number to form the message tail.

The computer readable storage medium may be an internal storage unit of the aforementioned device, such as a hard disk or memory of the device. The computer readable storage medium may also be an external storage device of the device, such as a plug-in hard disk equipped on the device, and a smart memory card (Smart Media Card, SMC), Secure Digital (SD) card, flash card (Flash) Card) and so on. Further, the computer readable storage medium may also include both an internal storage unit of the device and an external storage device. The computer readable storage medium is for storing the computer program and other programs and data required by the device.

A person skilled in the art can clearly understand that for the convenience and brevity of the description, the specific working process of the device, the device and the unit described above can refer to the corresponding process in the foregoing method embodiment, and details are not described herein again. Those of ordinary skill in the art will appreciate that the elements and algorithm steps of the various examples described in connection with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of both, for clarity of hardware and software. Interchangeability, the composition and steps of the various examples have been generally described in terms of function in the above description. Whether these functions are implemented in hardware or software depends on the specific application and design constraints of the solution. A person skilled in the art can use different methods to implement the described functions for each particular application, but such implementation should not be considered to be beyond the scope of the present application.

In the several embodiments provided by the present application, it should be understood that the disclosed apparatus, apparatus, and method may be implemented in other manners. For example, the device embodiments described above are merely illustrative. For example, the division of the unit is only a logical function division. In actual implementation, there may be another division manner, for example, multiple units or components may be combined or Can be integrated into another system, or some features can be ignored or not executed. In addition, the mutual coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection through some interface, device or unit, or an electrical, mechanical or other form of connection.

The units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, may be located in one place, or may be distributed to multiple network units. Some or all of the units may be selected according to actual needs to achieve the objectives of the embodiments of the present application.

In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above integrated unit can be implemented in the form of hardware or in the form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a standalone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be in essence or part of the contribution to the prior art, or all or part of the technical solution may be embodied in the form of a software product stored in a storage medium. Including several instructions to make a computer device (may be a personal computer, server, or network device, etc.) Perform all or part of the steps of the method described in various embodiments of the present application. The foregoing storage medium includes: a USB flash drive, a mobile hard disk, and a read only memory. (ROM, Read-Only Memory), disk or optical disc, etc. Various media that can store program code.

The foregoing is only a specific embodiment of the present application, but the scope of protection of the present application is not limited thereto, and any equivalents can be easily conceived by those skilled in the art within the technical scope disclosed in the present application. Modifications or substitutions are intended to be included within the scope of the present application. Therefore, the scope of protection of this application should be determined by the scope of protection of the claims.

Claims (20)

1.  A method for generating a credit information packet, comprising:

   Obtain policy information for the insurance contract;

   And processing the policy information according to the preset processing rule of the policy information, to obtain a string cluster corresponding to the policy information;

   The string clusters are processed according to the preset format of each segment of the credit information packet, and the corresponding credit message segment body is generated, and all the credit information segment segments are combined to form a credit information packet.
2. The method according to claim 1, wherein the policy information comprises an organization code of an insurance company, the credit message segment body comprises a message header, and the string cluster comprises a first character string;

   The policy information is processed according to the preset processing rule of the policy information, and the string cluster corresponding to the policy information is obtained, including:

   Obtaining the packet header identification number and the packet format version number;

   Combining the packet header identification number, the message format version number, and the insurance company's organization code to form the first character string;

   And processing the string cluster according to the preset format requirement of each segment of the packet, and generating a corresponding packet segment, including:

   Obtain the packet type of the packet to be generated, and obtain the code corresponding to the packet type.

   Obtain the current time as the packet generation time;

   Combining the message generation time with a code corresponding to the message type to form a second character string;

   The first character string and the second character string are sequentially arranged to form the message header.
3. The method according to claim 2, wherein the policy information further includes a name of the sponsor, a type of the certificate of the sponsor, a certificate number of the sponsor, a policy number, and an insurance contract number, wherein the message generation time includes message generation. a date, the credit segment body includes a base segment, and the string cluster includes a third string, a fourth string, and a fifth string;

   The policy information is processed according to the preset processing rule of the policy information, and the string cluster corresponding to the policy information is obtained, including:

   Obtaining a base segment identification number, a message number of the required message to be generated, and a code capable of identifying a service information record category, where the service information record category includes an insurance service information record, and obtaining the type of the guaranteed person according to the name of the sponsor, obtaining the a code corresponding to the type of the sponsor and a code corresponding to the type of the certificate of the sponsor;

   And combining the message number, the code capable of identifying the service information record category, the base segment identification number, and the insurance company's organization code to form the third character string, and corresponding to the type of the guaranteed person. The code is combined with the sponsored name to form the fourth character string, and the code corresponding to the sponsored document type is combined with the sponsored document number to form the fifth character string;

   And processing the string cluster according to the preset format requirement of each segment of the packet, and generating a corresponding packet segment, including:

   The third character string, the policy number, the insurance contract number, the fourth character string, the fifth character string, and the message generation date are sequentially arranged to form the base segment.
4. The method according to claim 1, wherein the policy information includes an insurance service type, an insurance method, an insurance amount, an insurance start date, an insurance expiration date, a deposit margin ratio, a counter guarantee method, and an agreement re-guarantee. a compensation ratio, a rate, and an annualized rate, wherein the credit segment includes an insurance contract segment, and the string cluster includes a sixth character string;

   The policy information is processed according to the preset processing rule of the policy information, and the string cluster corresponding to the policy information is obtained, including:

   Obtain the code corresponding to the type of insurance business, the code corresponding to the insurance method, the code corresponding to the counter-guarantee method, and obtain the identification number of the insurance contract segment;

   The insurance contract section identification number, the code corresponding to the insurance business type, the code corresponding to the insurance method, the insurance amount, the insurance start date, the insurance expiration date, the deposit margin ratio, the code corresponding to the counter-guarantee method, and the re-guarantee The compensation ratio, the rate, and the annualized rate are sequentially combined to form the sixth character string;

   And processing the string cluster according to the preset format requirement of each segment of the packet, and generating a corresponding packet segment, including:

   The sixth character string is used as the insurance contract segment.
5. The method according to claim 1, wherein said policy information includes an effective status of the insurance contract, a date of payment of the compensation responsibility, a balance of the insured balance and a date of the balance change, and the credit information segment includes actual compensation. a string of responsibility information, the string cluster comprising a seventh string;

   The policy information is processed according to the preset processing rule of the policy information, and the string cluster corresponding to the policy information is obtained, including:

   Obtaining the code corresponding to the identification number of the actual compensation responsibility information section and the effective status of the insurance contract;

   Forming, according to the actual compensation liability information segment identification number, the code corresponding to the effective status of the insurance contract, the cancellation responsibility release date, the insured balance, and the balance change date, to form the seventh character string;

   And processing the string cluster according to the preset format requirement of each segment of the packet, and generating a corresponding packet segment, including:

   The seventh character string is used as the actual compensation responsibility information segment.
6. The method according to claim 1, wherein the credit segment body comprises a message tail, and the string cluster comprises an eighth character string;

   The policy information is processed according to the preset processing rule of the policy information, and the string cluster corresponding to the policy information is obtained, including:

   Obtaining the number of policies included in the policy information and the identification number of the end of the message, where the word length of the policy number is a preset number of digits;

   Combining the message tail identification number with the policy number to form the eighth character string;

   And processing the string cluster according to the preset format requirement of each segment of the packet, and generating a corresponding packet segment, including:

   The eighth character string is used as the end of the message.
7. The method of claim 1 further comprising:

   Obtain the serial number provided by the user;

   After the all the information packet segments are combined to form a credit information packet, the method further includes:

   Generating a file name according to the serial number as the credit information packet, and outputting the credit information packet.
8. An apparatus for generating a credit information packet, comprising:

   An acquisition unit for obtaining policy information of an insurance contract;

   a processing unit, configured to process the policy information according to a preset processing rule of the policy information, to obtain a string cluster corresponding to the policy information;

   a generating unit, configured to process the string cluster according to a preset format requirement of each segment of the credit information packet, generate a corresponding credit information segment body, and combine all the credit information segment segments to form a credit report Text.
9. The apparatus according to claim 8, wherein the policy information comprises an organization code of an insurance company, the credit message segment body comprises a message header, and the string cluster comprises a first character string;

   The processing unit includes:

   a first acquiring subunit, configured to obtain a packet header identification number and a packet format version number;

   a first forming subunit, configured to combine the packet header identification number, the message format version number, and the insurance company's organization code to form the first character string;

   The generating unit includes:

   a second acquiring sub-unit, configured to obtain a packet type of the packet to be generated, obtain a code corresponding to the packet type, and obtain a current time as a packet generation time;

   a second forming subunit, configured to combine the code generation time and the code corresponding to the message type to form a second character string;

   And a third forming subunit, configured to sequentially arrange the first character string and the second character string to form the message header.
10. The apparatus according to claim 9, wherein said policy information further comprises a name of the sponsor, a type of the certificate of the sponsor, a certificate number of the sponsor, a policy number, and an insurance contract number, wherein the message generation time includes message generation a date, the credit segment body includes a base segment, and the string cluster includes a third string, a fourth string, and a fifth string;

    The processing unit includes:

    a third obtaining subunit, configured to obtain a base segment identification number, a message number of the required packet to be generated, and a code that can identify a service information record category, where the service information record category includes an insurance service information record, and is obtained according to the name of the sponsored person. a type of the sponsor, a code corresponding to the type of the sponsor, and a code corresponding to the type of the certificate of the sponsor;

    a fourth forming subunit, configured to sequentially combine the message number, the code that can identify the service information record category, the base segment identification number, and the insurance company's organization code to form the third string, The code corresponding to the type of the guarantor is combined with the guarantor name to form the fourth character string, and the code corresponding to the guarantor certificate type is combined with the guarantor certificate number to form the fifth character string;

    The generating unit includes:

    And a fifth forming subunit, configured to sequentially form the third character string, the policy number, the insurance contract number, the fourth character string, the fifth character string, and the message generation date to form the basic segment.
11. The device according to claim 8, wherein the policy information includes an insurance service type, an insurance method, an insurance amount, an insurance start date, an insurance expiration date, a deposit margin ratio, a counter guarantee method, and an agreement re-guarantee. a compensation ratio, a rate, and an annualized rate, wherein the credit segment includes an insurance contract segment, and the string cluster includes a sixth character string;

    The processing unit includes:

    a fourth obtaining subunit, configured to obtain a code corresponding to the insurance service type, a code corresponding to the insurance method, and a code corresponding to the counter guarantee method, and obtain an insurance contract segment identification number;

    a sixth forming subunit, configured to use the insurance contract segment identification number, a code corresponding to the insurance service type, a code corresponding to the insurance method, an insurance amount, an insurance start date, an insurance expiration date, a deposit margin ratio, and a counter guarantee The code corresponding to the mode, the agreed re-guarantee compensation ratio, the rate, and the annualized rate are sequentially combined to form the sixth character string;

    The generating unit is configured to:

    The sixth character string is used as the insurance contract segment.
12. The apparatus according to claim 8, wherein said policy information includes an effective status of the insurance contract, a date of payment of the compensation responsibility, a balance of the insured balance and a date of the balance change, and the credit information segment includes the actual compensation a string of responsibility information, the string cluster comprising a seventh string;

    The processing unit includes:

    a fifth obtaining subunit, configured to obtain an actual compensation responsibility information segment identification number and a code corresponding to an effective state of the insurance contract;

    a seventh forming subunit, configured to form the seventh character by sequentially combining the actual compensation responsibility information segment identification number, the code corresponding to the effective status of the insurance contract, the cancellation responsibility release date, the insured balance, and the balance change date string;

    The generating unit is configured to:

    The seventh character string is used as the actual compensation responsibility information segment.
13. The apparatus according to claim 8, wherein the credit segment body comprises a message tail, and the string cluster comprises an eighth character string;

    The processing unit includes:

    a sixth obtaining subunit, configured to obtain the number of the policy included in the policy information and the identifier of the end of the message, where the word length of the policy number is a preset number of digits;

    An eighth forming subunit, configured to combine the message tail identification number and the policy number to form the eighth character string;

    The generating unit is configured to:

    The eighth character string is used as the end of the message.
14. The device according to claim 8, wherein the obtaining unit is further configured to: obtain a serial number provided by a user;

    The device also includes:

    a naming unit, configured to generate a file name according to the serial number as the credit information packet;

    And an output unit, configured to output the credit information packet.
15. A device for generating a credit message, wherein the device comprises a memory, and a processor connected to the memory;

    The memory is configured to store program data for generating a credit information message;

    The processor is configured to run program data stored in the memory to perform:

    Obtain policy information for the insurance contract;

    And processing the policy information according to the preset processing rule of the policy information, to obtain a string cluster corresponding to the policy information;

    The string clusters are processed according to the preset format of each segment of the credit information packet, and the corresponding credit message segment body is generated, and all the credit information segment segments are combined to form a credit information packet.
16. The device according to claim 15, wherein the policy information comprises an organization code of an insurance company, the credit message segment body comprises a message header, and the string cluster comprises a first character string;

    The policy information is processed by executing the preset processing rule according to the policy information, and the string cluster corresponding to the policy information is obtained, and the specific execution is:

    Obtaining the packet header identification number and the packet format version number;

    Combining the packet header identification number, the message format version number, and the insurance company's organization code to form the first character string;

    Performing the processing of the string cluster according to the preset format requirement of each segment of the credit information packet, and generating a corresponding credit information segment body, specifically performing:

    Obtain the packet type of the packet to be generated, and obtain the code corresponding to the packet type.

    Obtain the current time as the packet generation time;

    Combining the message generation time with a code corresponding to the message type to form a second character string;

    The first character string and the second character string are sequentially arranged to form the message header.
17. The device according to claim 16, wherein the policy information further includes a name of the sponsor, a type of the certificate of the sponsor, a certificate number of the sponsor, a policy number, and an insurance contract number, wherein the message generation time includes message generation. a date, the credit segment body includes a base segment, and the string cluster includes a third string, a fourth string, and a fifth string;

    The policy information is processed by executing the preset processing rule according to the policy information, and the string cluster corresponding to the policy information is obtained, and the specific execution is:

    Obtaining a base segment identification number, a message number of the required message to be generated, and a code capable of identifying a service information record category, where the service information record category includes an insurance service information record, and obtaining the type of the guaranteed person according to the name of the sponsor, obtaining the a code corresponding to the type of the sponsor and a code corresponding to the type of the certificate of the sponsor;

    And combining the message number, the code capable of identifying the service information record category, the base segment identification number, and the insurance company's organization code to form the third character string, and corresponding to the type of the guaranteed person. The code is combined with the sponsored name to form the fourth character string, and the code corresponding to the sponsored document type is combined with the sponsored document number to form the fifth character string;

    Performing the processing of the string cluster according to the preset format requirement of each segment of the credit information packet, and generating a corresponding credit information segment body, specifically performing:

    The third character string, the policy number, the insurance contract number, the fourth character string, the fifth character string, and the message generation date are sequentially arranged to form the base segment.
18. A computer readable storage medium, characterized in that the computer readable storage medium stores one or more program data, the one or more program data being executable by one or more processors to:

    Obtain policy information for the insurance contract;

    And processing the policy information according to the preset processing rule of the policy information, to obtain a string cluster corresponding to the policy information;

    The string clusters are processed according to the preset format of each segment of the credit information packet, and the corresponding credit message segment body is generated, and all the credit information segment segments are combined to form a credit information packet.
19. The computer readable storage medium of claim 18, wherein the policy information comprises an agency code of an insurance company, the credit segment body comprises a message header, and the string cluster comprises a first character string;

    The policy information is processed by the preset processing rule according to the policy information, and the string cluster corresponding to the policy information is obtained, and the specific implementation is:

    Obtaining the packet header identification number and the packet format version number;

    Combining the packet header identification number, the message format version number, and the insurance company's organization code to form the first character string;

    The string cluster is processed according to the preset format requirement of each segment of the credit message, and the corresponding credit report segment body is generated, and the specific implementation is:

    Obtain the packet type of the packet to be generated, and obtain the code corresponding to the packet type.

    Obtain the current time as the packet generation time;

    Combining the message generation time with a code corresponding to the message type to form a second character string;

    The first character string and the second character string are sequentially arranged to form the message header.
20. The computer readable storage medium according to claim 19, wherein said policy information further comprises a sponsor name, a sponsored document type, a sponsored document number, a policy number, and an insurance contract number, said message generation time The message generation date includes a basic segment, and the string cluster includes a third character string, a fourth character string, and a fifth character string;

    The policy information is processed by the preset processing rule according to the policy information, and the string cluster corresponding to the policy information is obtained, and the specific implementation is:

    Obtaining a base segment identification number, a message number of the required message to be generated, and a code capable of identifying a service information record category, where the service information record category includes an insurance service information record, and obtaining the type of the guaranteed person according to the name of the sponsor, obtaining the a code corresponding to the type of the sponsor and a code corresponding to the type of the certificate of the sponsor;

    And combining the message number, the code capable of identifying the service information record category, the base segment identification number, and the insurance company's organization code to form the third character string, and corresponding to the type of the guaranteed person. The code is combined with the sponsored name to form the fourth character string, and the code corresponding to the sponsored document type is combined with the sponsored document number to form the fifth character string;

    The string cluster is processed according to the preset format requirement of each segment of the credit message, and the corresponding credit report segment body is generated, and the specific implementation is:

    The third character string, the policy number, the insurance contract number, the fourth character string, the fifth character string, and the message generation date are sequentially arranged to form the base segment.