WO2019052113A1 - 投保费用支付方法、装置、终端设备及介质 - Google Patents

投保费用支付方法、装置、终端设备及介质 Download PDF

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Publication number
WO2019052113A1
WO2019052113A1 PCT/CN2018/074881 CN2018074881W WO2019052113A1 WO 2019052113 A1 WO2019052113 A1 WO 2019052113A1 CN 2018074881 W CN2018074881 W CN 2018074881W WO 2019052113 A1 WO2019052113 A1 WO 2019052113A1
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WO
WIPO (PCT)
Prior art keywords
credit card
target
preset
target user
insurance
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Application number
PCT/CN2018/074881
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English (en)
French (fr)
Inventor
李毅
Original Assignee
平安科技（深圳）有限公司
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Publication of WO2019052113A1 publication Critical patent/WO2019052113A1/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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks

Definitions

  • the present application belongs to the technical field of financial transactions, and particularly relates to a method, device, terminal device and medium for payment of insurance premiums.
  • the embodiment of the present application provides a method, an apparatus, a terminal device, and a medium for paying an insurance premium, so as to solve the problem that the prior art needs to pay the insurance premium in one time and cannot meet the demand of the existing insurance business.
  • a first aspect of the embodiments of the present application provides a method for payment of an insurance premium, comprising:
  • IVR Interactive
  • the target credit card is used to pay the insured fee in installments.
  • a second aspect of the embodiments of the present application provides an insurance premium payment apparatus, including:
  • the insurance premium determining unit is configured to receive an insurance instruction sent by the target user, and determine an insurance premium of the target user according to the insurance instruction;
  • a first prompt sending unit configured to send, to the target user, a first prompt for performing credit card installment payment, where the first prompt carries the insurance premium;
  • a first request sending unit configured to send a credit card number obtaining request to the target user by using an IVR voice prompting method, if receiving the information returned by the target user to perform credit card instalment payment;
  • a credit card number receiving unit configured to receive a target credit card number returned by the target user according to the credit card number obtaining request
  • the staging payment unit is configured to: if the target credit card meets the preset credit card installment payment requirement according to the target credit card number, use the target credit card to pay the insured fee in installments.
  • a third aspect of the embodiments of the present application provides an insurance premium payment terminal device including a memory, a processor, and computer readable instructions stored in the memory and operable on the processor, the processor The following steps are implemented when the computer readable instructions are executed:
  • the credit card number acquisition request is sent to the target user by using an IVR voice prompt mode
  • the target credit card is used to pay the insured fee in installments.
  • a fourth aspect of the embodiments of the present application provides a computer readable storage medium storing computer readable instructions that, when executed by at least one processor, implement the following steps:
  • the credit card number acquisition request is sent to the target user by using an IVR voice prompt mode
  • the target credit card is used to pay the insured fee in installments.
  • the insured instruction sent by the target user is received, and the insured fee of the target user is determined according to the insured instruction; and then the first prompt of whether the credit card instalment payment is performed is sent to the target user, and the confirmation returned by the target user is received.
  • the credit card installment payment information is sent to the target user by using the IVR voice prompting method; the receiving target user is based on the returned target credit card number; if the target credit card number is determined according to the target credit card number, the predetermined credit card installment payment request is met, and the use is performed.
  • the target credit card pays the above-mentioned insurance premiums in installments, reduces the financial burden on users, facilitates users to purchase insurance, reduces cash transactions, improves the security of financial product transactions, and enhances the sales of insurance products and the credit card transaction volume of credit card issuers, solving the prior art.
  • a one-time payment of insurance costs is required to meet the needs of existing insurance business needs.
  • FIG. 1 is a schematic flow chart of a method for paying an insurance premium according to an embodiment of the present application
  • FIG. 2 is a schematic flow chart of a method for paying an insurance premium according to another embodiment of the present application.
  • FIG. 3 is a schematic flowchart of a method for paying an insurance premium according to still another embodiment of the present application.
  • FIG. 4 is a schematic flow chart of a method for paying an insurance premium according to another embodiment of the present application.
  • FIG. 5 is a schematic flowchart of a method for paying an insurance premium according to another embodiment of the present application.
  • FIG. 6 is a schematic block diagram of an insurance premium payment procedure provided by an embodiment of the present application.
  • FIG. 7 is a schematic block diagram of an insurance premium payment terminal device according to an embodiment of the present application.
  • FIG. 1 is a schematic flowchart of a method for paying an insurance premium according to an embodiment of the present application.
  • an angle trigger of a terminal is used as an example.
  • the terminal may be a smart phone or a tablet.
  • Mobile terminals such as computers.
  • S101 Receive an insurance instruction sent by the target user, and determine an insurance premium of the target user according to the insurance instruction.
  • the target user is any one of the insured persons
  • the insurance instruction may carry the insurance type, the insurance period, and the like, wherein the insurance type may include auto insurance, life insurance, health insurance, child insurance, pension insurance, accident insurance, and the like.
  • determining, according to the insurance instruction, the insured cost of the target user may include: determining an insured cost of the target user according to the type of insurance and the period of insured.
  • the insurance premium refers to the fee that the target user needs to deliver to the insurer when insured.
  • the method may further include: determining, according to the pre-stored user information, whether the target user is a renewed customer or a new insured customer; and if determining that the target user is a renewed customer, according to the target user
  • the insurance record and the insurance instruction determine the insurance cost of the target user; if it is determined that the target user is a new insurance customer, the insurance information of the target user is recorded, and the insurance premium of the target user is determined according to the insurance instruction.
  • S102 Send a first prompt to the target user whether to perform credit card installment payment, and the first prompt carries the insurance premium.
  • the method before sending the first prompt to the target user whether to perform the credit card installment payment, the method further includes: determining whether the insurance premium reaches the minimum premium payment of the preset installment payment, and determining that the insurance premium reaches the preset installment payment The minimum insurance premium sends a first prompt to the target user whether to make a credit card installment payment. Otherwise, the cash payment process is initiated.
  • the method before sending the credit card number acquisition request to the target user, the method further includes: sending a customer data acquisition request to the target user, and receiving the customer information returned by the target user, where the customer data may include the target user name, the ID card number, The mobile phone number, email address, unit address, home address, mobile phone, etc., send the customer data to the target customer for confirmation, and after the target customer confirms that the customer information is correct, the customer information is saved, so that the target user can be subsequently renewed.
  • the method may further include: sending a prompt to the target user whether a credit card is available, and if receiving the information returned by the target user confirming that the available credit card is available, The target user sends a credit card number acquisition request. Otherwise, the target user is sent a prompt for whether to apply for a credit card. If the information of the credit card confirmed by the target user is received, the credit card is processed for the target user.
  • the method for sending a credit card number acquisition request to the target user by using the IVR voice prompting method may be: prompting the target user to input a credit card number by using an IVR voice mode.
  • S104 Receive a target credit card number returned by the target user according to the credit card number acquisition request.
  • the target user may further include: sending the target credit card number to the target customer for confirmation, and after the target customer confirms that the target credit card number is correct, performing step S105; otherwise, receiving the target user. Resend the target credit card number.
  • the preset credit card installment payment request may be set according to actual conditions. For example, it may be verified whether the target credit card corresponding to the target credit card number is a credit card preset to support credit card installment payment, and if the verification is preset, the credit card installment payment may be supported. Credit card, using the target credit card to pay the insured fee in installments, otherwise, sending a prompt to the target user whether to apply for a credit card, and receiving the credit card information returned by the target user, processing the credit card for the target user, using the processed credit card The insured expenses are paid in installments. Specifically, if it is determined that the target credit card does not meet the preset credit card installment payment requirement according to the target credit card number, the credit card installment payment failure information may be sent to the target user, and the information may carry the preset credit card installment payment request.
  • FIG. 2 is a schematic flowchart of a method for paying an insurance premium according to another embodiment of the present application.
  • the difference from the embodiment corresponding to FIG. 1 is that if the target credit card is determined to satisfy the preset credit card installment payment request according to the target credit card number, the instalment payment by the target credit card may be included in S205.
  • S201 ⁇ S204 are the same as S101 ⁇ S104 in the previous embodiment.
  • S205 may include S2051 ⁇ S2055:
  • the method before querying the quota of the target credit card and the usage record according to the target credit card number, the method further includes: determining whether the target credit card corresponding to the target credit card number is a credit card preset to support credit card installment payment, and determining that the target credit card is a preset A credit card that can support credit card installment payment, and query the credit card number and usage record of the target credit card according to the target credit card number; otherwise, send a prompt to the target user whether to apply for a credit card, and if receiving the confirmation information of the credit card returned by the target user, The target user handles the credit card.
  • S2052 Determine whether the credit amount of the target credit card reaches a preset credit card installment payment amount.
  • the preset credit card installment payment amount may be set according to actual conditions, for example, setting a preset credit card installment payment amount as a credit card installment payment minimum amount, and determining whether the target credit card credit amount reaches the credit card installment payment minimum amount.
  • S2053 Determine whether the number of times of overdue repayment time in the repayment time is lower than a preset time, and the overpayment time is a repayment time exceeding a preset repayment time.
  • the preset number of times can be set as needed, for example, 5 times or 10 times, and the like.
  • the overdue repayment time in the repayment time may be one or more times, and the total number of overdue repayment times in the repayment time is obtained, and the total number of times is compared with the preset number of times.
  • S2054 Determine whether a time interval between the overdue repayment time and the preset repayment time in the repayment time is lower than a preset time interval. Specifically, if the repayment time is only once in the repayment time, it is determined whether the time interval between the overdue repayment time and the preset repayment time is lower than the preset time interval, and if the repayment time is exceeded in the repayment time Secondly, each time the overpayment time is compared with the preset repayment time, and whether the time interval between all the overdue repayment time and the preset repayment time is lower than the preset time interval.
  • the repayment time is overdue
  • the time interval between the payment time and the preset repayment time is greater than or equal to the preset time interval, and it is determined that the target credit card does not meet the preset credit card installment payment requirement, and the cash payment process is started.
  • FIG. 3 is a schematic flowchart of a method for paying an insurance premium according to still another embodiment of the present application.
  • the difference between the above embodiments in this embodiment is S305 ⁇ S307, where S301 ⁇ S304 are the same as S101 ⁇ S104 in the previous embodiment.
  • S305 Send a preset credit card installment payment method to the target user.
  • a plurality of credit card installment payment methods may be preset according to actual conditions, and each credit card installment payment method includes an installment period and an installment amount, for example, the first credit card installment payment method, the installment period n1, the installment amount m1, and the second In the credit card installment payment method, the number of installments is n2, and the installment amount is m2.
  • step S306 Receive a payment method selection instruction sent by the target user, and determine a target credit card installment payment method according to the payment method selection instruction.
  • the payment method selection instruction may carry a credit card installment payment method, determine a target credit card installment payment method according to the payment method selection instruction, and send the target credit card installment payment method to the target user for confirmation, and receive the return of the target user.
  • step S307 is performed; otherwise, returning to step S305, the preset credit card installment payment method is re-sent to the target user.
  • S307 Pay the insured fee by using the target credit card in an instalment according to the target credit card installment payment method.
  • it may be determined whether the target credit card satisfies the requirement of the target credit card installment payment method, and may determine whether the target credit card amount reaches the installment amount in the target credit card installment payment method, and if the determination is reached, the target credit card is used.
  • the above-mentioned insurance premium is paid in installments, otherwise, the process returns to step S305 to resend the preset credit card installment payment method to the target user.
  • FIG. 4 is a schematic flowchart of a method for paying an insurance premium according to another embodiment of the present application.
  • the difference between the above embodiments in this embodiment is S403 ⁇ S407, where S401 ⁇ S402 are the same as S101 ⁇ S102 in the previous embodiment.
  • S403 If receiving the information returned by the target user to perform credit card installment payment, send a second prompt to the target user whether to apply for a credit card.
  • the target user may first send a prompt indicating whether an available credit card is available, and if receiving the information of the credit card that is not available from the target user, send a credit card to the target user. The second tip.
  • S404 If receiving the information of the confirmation credit card returned by the target user, determining whether the insurance premium reaches the preset insurance premium, and determining whether the target user's insurance life reaches the preset insurance coverage period. Specifically, after receiving the information of the confirmed credit card returned by the target user, the user may first determine whether the target user is a renewal customer or a new insurance customer according to the pre-stored user information; if the target user is determined to be a renewal customer, the insurance cost is determined.
  • the preset insurance premium is reached and whether the insurance coverage period reaches the preset insurance coverage period, it is also possible to determine whether to renew the insurance within the preset renewal period; if it is determined that the target user is a new insurance customer, it is determined whether the insurance premium has reached the preset insurance policy. The fee is determined whether the insured period has reached the preset insured period and the user information is recorded.
  • the processing information returned by the target user may include information such as a name, an ID number, a telephone, and the like.
  • the method may include: sending the processing information to the target user for confirmation, and after the target user confirming the information is correct, executing step S407; otherwise, receiving the processing information returned by the target user.
  • S407 Perform a credit card according to the processing information, use the processed credit card as a new target credit card, and perform the step of using the target credit card to pay the insured fee in installments.
  • FIG. 5 is a schematic flowchart of a method for paying an insurance premium according to another embodiment of the present application.
  • the difference between the above embodiments in this embodiment is S505 ⁇ S507, wherein S501 ⁇ S504 are the same as S101 ⁇ S104 in the previous embodiment.
  • S505 Receive a payment mode setting request sent by the target user, where the payment mode setting request carries the number of instalments to be set and the instalment amount to be set.
  • the target user sets the payment method as needed, and can set the number of installments and the amount of the installment.
  • S506 Review the number of instalment periods to be set according to the preset instalment period range, and review the instalment amount to be set according to the preset instalment amount range.
  • the upper and lower limits of the number of stages can be set in advance, and according to the upper and lower limits, whether the number of the instalment periods to be set meets the requirements is met.
  • the upper and lower limits of the instalment amount can be set in advance, and whether the instalment amount to be set is checked according to the upper and lower limits Meet the requirements.
  • the target credit card is used to pay the insured according to the number of the instalment period to be set and the instalment amount to be set. cost.
  • the payment method sets the failure information to the target user, and the failure information may carry the preset instalment period range and the preset. The range of the installment amount returns to step S505 to re-receive the payment mode setting request sent by the target user.
  • FIG. 6 is a schematic diagram showing the operating environment of the insurance premium payment program provided by the embodiment of the present application.
  • the insurance premium payment program 600 is installed and operated in the terminal device 60.
  • the terminal device 60 can be a mobile terminal, a palmtop computer, a server, or the like.
  • the terminal device 60 can include, but is not limited to, a memory 601, a processor 602, and a display 603.
  • the memory 601 may be an internal storage unit of the terminal device 60, such as a hard disk or memory of the terminal device 60, in some embodiments.
  • the memory 601 may also be an external storage device of the terminal device 60 in other embodiments, such as a plug-in hard disk equipped on the terminal device 60, a smart memory card (SMC), and a secure digital device. (Secure Digital, SD) card, flash card, etc.
  • SMC smart memory card
  • SD Secure Digital
  • flash card etc.
  • the memory 601 may also include both an internal storage unit of the terminal device 60 and an external storage device.
  • the memory 601 is configured to store application software and various types of data installed in the terminal device 60, such as program codes of the insurance premium payment program 600.
  • the memory 601 can also be used to temporarily store data that has been output or is about to be output.
  • the processor 602 can be a central processor (Central) in some embodiments A processing unit (CPU), a microprocessor or other data processing chip for running program code or processing data stored in the memory 601, such as executing the insurance premium payment program 600 and the like.
  • Central central processor
  • CPU central processing unit
  • microprocessor microprocessor or other data processing chip for running program code or processing data stored in the memory 601, such as executing the insurance premium payment program 600 and the like.
  • the display 603 may be an LED display, a liquid crystal display, a touch liquid crystal display, and an OLED (Organic) in some embodiments. Light-Emitting Diode, organic light-emitting diodes, etc.
  • the display 603 is used to display information processed in the terminal device 60 and a user interface for displaying visualizations, such as an application menu interface, an application icon interface, and the like.
  • the components 601-603 of the terminal device 60 communicate with one another via a system bus.
  • FIG. 7 is a functional block diagram of the insurance premium payment program 600 provided by the embodiment of the present application.
  • the insurance premium payment program 600 may be divided into an insurance premium determination unit 701, a first prompt transmission unit 702, a first request transmission unit 703, a credit card number receiving unit 704, and an installment payment unit 705.
  • a module referred to in this application refers to a series of computer readable instruction instruction segments capable of performing a specific function, and is more suitable than the program to describe the execution process of the insurance premium payment program 600 in the terminal device 60.
  • the insurance premium determining unit 701 is configured to receive an insurance instruction sent by the target user, and determine an insurance premium of the target user according to the insurance instruction.
  • the first prompt sending unit 702 is configured to send, to the target user, a first prompt for performing credit card installment payment, and the first prompt carries the insurance premium.
  • the first request sending unit 703 is configured to send a credit card number acquisition request to the target user by using an IVR voice prompting method, if receiving the information returned by the target user to perform credit card installment payment.
  • the credit card number receiving unit 704 is configured to receive a target credit card number returned by the target user according to the credit card number obtaining request.
  • the installment payment unit 705 is configured to: if the target credit card meets the preset credit card installment payment requirement according to the target credit card number, use the target credit card to pay the insurance premium in installments.
  • the manner in which the installment payment unit 705 determines that the target credit card satisfies the preset credit card installment payment request according to the target credit card number comprises: querying the quota and usage record of the target credit card according to the target credit card number, where the usage record includes Repayment time; determining whether the credit amount of the target credit card reaches a preset credit card installment payment amount; determining whether the number of overdue repayment times in the repayment time is lower than a preset number, and the overpayment repayment time is greater than a preset Repayment time of the repayment time; determining whether the time interval between the overdue repayment time and the preset repayment time in the repayment time is lower than a preset time interval; if it is determined that the target credit card amount reaches the preset credit card The amount of the payment by the installment, the number of times of the overdue repayment time in the repayment time is lower than the preset number of times, and the time interval between the repayment time and the preset repayment time in the repayment time is lower than the preset time interval And determining
  • the insurance premium payment program 600 may also be divided into a split payment method sending unit 706 and an installment payment method determining unit 707.
  • the installment payment method sending unit 706 is configured to send a preset credit card installment payment method to the target user.
  • the installment payment method determining unit 707 is configured to receive a payment mode selection instruction sent by the target user, and determine a target credit card installment payment method according to the payment mode selection instruction.
  • the installment payment unit 705 is configured to use the target credit card to pay the insurance premium in installments according to the target credit card installment payment method.
  • the insurance premium payment program 600 may also be divided into a second prompt sending unit 708, an information review unit 709, a second request sending unit 710, and a processing information receiving unit 711.
  • the second prompt sending unit 708 is configured to send, to the target user, a second prompt for whether to apply for a credit card.
  • the information review unit 709 is configured to determine whether the insurance premium reaches the preset insurance premium if the information of the confirmed credit card returned by the target user is received, and determine whether the target user's insurance life reaches the preset insurance life. .
  • the second request sending unit 710 is configured to send a credit card processing information acquisition request to the target user if it is determined that the insurance premium reaches a preset insurance premium, and the target user's insurance life reaches the preset insurance life.
  • the processing information receiving unit 711 is configured to receive processing information returned by the target user according to the credit card processing information acquisition request.
  • the staging payment unit 705 is configured to process the credit card according to the processing information, use the processed credit card as a new target credit card, and perform the step of paying the insured fee by using the target credit card in installments.
  • the insurance premium payment program 600 may also be divided into a payment method setting unit 712 and a payment method review unit 713.
  • the payment method setting unit 712 is configured to receive a payment mode setting request sent by the target user, where the payment mode setting request carries the number of instalments to be set and the instalment amount to be set.
  • the payment method review unit 713 is configured to review the number of instalments to be set according to the preset instalment period range, and review the instalment amount to be set according to the preset instalment amount range.
  • the staging payment unit 705 is configured to: if the number of the instalment period to be set is passed, and the auditing of the instalment amount to be set is passed, according to the number of the instalment period to be set and the instalment amount to be set, The target credit card pays the insured fee in installments.
  • the integrated modules/units if implemented in the form of software functional units and sold or used as separate products, may be stored in a computer readable storage medium. Based on such understanding, the present application implements all or part of the processes in the foregoing embodiments, and may also be implemented by computer readable instructions, which may be stored in a computer readable storage medium.
  • the computer readable instructions when executed by a processor, may implement the steps of the various method embodiments described above.

Abstract

本申请适用于金融交易技术领域，提供了投保费用支付方法、装置、终端设备及介质。该投保费用支付方法包括：接收目标用户发送的投保指令，根据投保指令确定目标用户的投保费用；向目标用户发送一个是否进行信用卡分期支付的第一提示；若接收到目标用户返回的确认进行信用卡分期支付的信息，则采用IVR语音提示方式向目标用户发送信用卡号获取请求；接收目标用户根据信用卡号获取请求返回的目标信用卡号；若根据目标信用卡号判定目标信用卡满足预设信用卡分期支付要求，则利用目标信用卡分期支付投保费用，减轻用户财务负担，方便用户购买保险，减少现金交易，提高金融产品交易的安全性，提升保险产品的销售和信用卡发卡机构的信用卡交易量水平。

Description

投保费用支付方法、装置、终端设备及介质
本申请申明享有2017年9月14日递交的申请号为201710827034.1、名称为“投保费用支付方法及终端设备”中国专利申请的优先权，该中国专利申请的整体内容以参考的方式结合在本申请中。
技术领域
本申请属于金融交易技术领域，尤其涉及投保费用支付方法、装置、终端设备及介质。
 背景技术
随着人们生活水平的不断提高，人们对自己生活品质以及安全健康问题更加注重，越来越多的人开始购买保险，保险已经成为人们生活中不可或缺的一部分。
保险产品交易方式和结算方式大多数情况是面对面交易，以现金、支票、银行卡等方式一次性支付投保费用。随着人们保险需求的扩大，保险消费支出在生活总支出中的占比越来越大，一次性支付投保费用越来越困难，无法满足现有保险业务需求。
 技术问题
有鉴于此，本申请实施例提供了投保费用支付方法、装置、终端设备及介质，以解决现有技术中需要一次性支付投保费用，无法满足现有保险业务需求的问题。
 技术解决方案
本申请实施例的第一方面提供了一种投保费用支付方法，包括：
接收目标用户发送的投保指令，根据所述投保指令确定所述目标用户的投保费用；
向所述目标用户发送一个是否进行信用卡分期支付的第一提示，所述第一提示携带所述投保费用；
若接收到所述目标用户返回的确认进行信用卡分期支付的信息，则采用IVR（Interactive Voice Response，互动式语音应答）语音提示方式向所述目标用户发送信用卡号获取请求；
接收所述目标用户根据所述信用卡号获取请求返回的目标信用卡号；
若根据所述目标信用卡号判定目标信用卡满足预设信用卡分期支付要求，则利用所述目标信用卡分期支付所述投保费用。
本申请实施例的第二方面提供了一种投保费用支付装置，包括：
投保费用确定单元，用于接收目标用户发送的投保指令，根据所述投保指令确定所述目标用户的投保费用；
第一提示发送单元，用于向所述目标用户发送一个是否进行信用卡分期支付的第一提示，所述第一提示携带所述投保费用；
第一请求发送单元，用于若接收到所述目标用户返回的确认进行信用卡分期支付的信息，则采用IVR语音提示方式向所述目标用户发送信用卡号获取请求；
信用卡号接收单元，用于接收所述目标用户根据所述信用卡号获取请求返回的目标信用卡号；
分期支付单元，用于若根据所述目标信用卡号判定目标信用卡满足预设信用卡分期支付要求，则利用所述目标信用卡分期支付所述投保费用。
本申请实施例的第三方面，提供了一种投保费用支付终端设备，包括存储器、处理器以及存储在所述存储器中并可在所述处理器上运行的计算机可读指令，所述处理器执行所述计算机可读指令时实现如下步骤：
接收目标用户发送的投保指令，根据所述投保指令确定所述目标用户的投保费用；
向所述目标用户发送一个是否进行信用卡分期支付的第一提示，所述第一提示携带所述投保费用；
若接收到所述目标用户返回的确认进行信用卡分期支付的信息，则采用IVR语音提示方式向所述目标用户发送信用卡号获取请求；
接收所述目标用户根据所述信用卡号获取请求返回的目标信用卡号；
若根据所述目标信用卡号判定目标信用卡满足预设信用卡分期支付要求，则利用所述目标信用卡分期支付所述投保费用。
本申请实施例的第四方面，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计算机可读指令，所述计算机可读指令被至少一个处理器执行时实现如下步骤：
接收目标用户发送的投保指令，根据所述投保指令确定所述目标用户的投保费用；
向所述目标用户发送一个是否进行信用卡分期支付的第一提示，所述第一提示携带所述投保费用；
若接收到所述目标用户返回的确认进行信用卡分期支付的信息，则采用IVR语音提示方式向所述目标用户发送信用卡号获取请求；
接收所述目标用户根据所述信用卡号获取请求返回的目标信用卡号；
若根据所述目标信用卡号判定目标信用卡满足预设信用卡分期支付要求，则利用所述目标信用卡分期支付所述投保费用。
 有益效果
本申请实施例，通过接收目标用户发送的投保指令，根据该投保指令确定目标用户的投保费用；然后向目标用户发送一个是否进行信用卡分期支付的第一提示，若接收到目标用户返回的确认进行信用卡分期支付的信息，则采用IVR语音提示方式向目标用户发送信用卡号获取请求；接收目标用户根据返回的目标信用卡号；若根据该目标信用卡号判定目标信用卡满足预设信用卡分期支付要求，则利用目标信用卡分期支付上述投保费用，减轻用户财务负担，方便用户购买保险，减少现金交易，提高金融产品交易的安全性，提升保险产品的销售和信用卡发卡机构的信用卡交易量水平，解决现有技术中需要一次性支付投保费用，无法满足现有保险业务需求的问题。
 附图说明
图 1是本申请实施例提供的一种投保费用支付方法的示意流程图；
图2是本申请另一实施例提供的一种投保费用支付方法的示意流程图；
图3是本申请再一实施例提供的一种投保费用支付方法的示意流程图；
图4是本申请又一实施例提供的一种投保费用支付方法的示意流程图；
图5是本申请又一实施例提供的一种投保费用支付方法的示意流程图；
图6是本申请实施例提供的一种投保费用支付程序的示意性框图；
图7是本申请实施例提供的一种投保费用支付终端设备的示意性框图。
 本发明的实施方式
为了说明本申请所述的技术方案，下面通过具体实施例来进行说明。
参见图1，图1是本申请实施例提供的一种投保费用支付方法的示意流程图，在该实施例中，是以终端的角度触发为例进行说明，这里，终端可以为智能手机、平板电脑等移动终端。
S101：接收目标用户发送的投保指令，根据所述投保指令确定所述目标用户的投保费用。
这里，目标用户为进行投保的任意一个用户，投保指令可以携带投保类型、投保年限等，其中投保类型可以包括车险、人寿保险、健康保险，少儿保险，养老保险，意外保险等。具体地，根据所述投保指令确定所述目标用户的投保费用可以包括：根据投保类型和投保年限，确定目标用户的投保费用。投保费用指目标用户投保时需要向保险人交付的费用。
在根据所述投保指令确定所述目标用户的投保费用之前，还可以包括：根据预存的用户信息判断目标用户是续保客户还是新投保客户；若判定目标用户是续保客户，则根据目标用户的投保记录和所述投保指令，确定目标用户的投保费用；若判定目标用户是新投保客户，则记录目标用户的投保信息，根据所述投保指令确定目标用户的投保费用。
S102：向所述目标用户发送一个是否进行信用卡分期支付的第一提示，所述第一提示携带所述投保费用。这里，向所述目标用户发送一个是否进行信用卡分期支付的第一提示之前，还可以包括：判断所述投保费是否达到预设分期支付的最低投保费，若判定投保费达到预设分期支付的最低投保费，则向目标用户发送一个是否进行信用卡分期支付的第一提示，否则，启动现金支付流程。
S103：若接收到所述目标用户返回的确认进行信用卡分期支付的信息，则采用IVR语音提示方式向所述目标用户发送信用卡号获取请求。
具体地，在向所述目标用户发送信用卡号获取请求之前，还可以包括：向目标用户发送客户资料获取请求，接收目标用户返回的客户资料，该客户资料可以包括目标用户姓名、身份证号码、手机号、邮箱、单位地址、家庭地址、移动电话等，将该客户资料发送给目标客户进行确认，在目标客户确认该客户资料正确后，保存该客户资料，方便目标用户后续续保。
这里，在向所述目标用户发送信用卡号获取请求之前，还可以包括：向目标用户发送一个是否已有可用的信用卡的提示，若接收到目标用户返回的确认已有可用的信用卡的信息，向目标用户发送信用卡号获取请求，否则，向目标用户发送一个是否办理信用卡的提示，若接收到目标用户返回的确认办理信用卡的信息，为目标用户办理信用卡。采用IVR语音提示方式向所述目标用户发送信用卡号获取请求的方式可以为：采用IVR语音方式提示目标用户输入信用卡号。
S104：接收所述目标用户根据所述信用卡号获取请求返回的目标信用卡号。
具体地，在接收目标用户根据返回的目标信用卡号后，还可以包括：将目标信用卡号发送给目标客户进行确认，在目标客户确认该目标信用卡号正确后，执行步骤S105，否则，接收目标用户重新发送的目标信用卡号。
S105：若根据所述目标信用卡号判定目标信用卡满足预设信用卡分期支付要求，则利用所述目标信用卡分期支付所述投保费用。
这里，预设信用卡分期支付要求可以根据实际情况设置，例如，可以验证所述目标信用卡号对应的目标信用卡是否为预设可支持信用卡分期支付的信用卡，若验证是预设可支持信用卡分期支付的信用卡，利用所述目标信用卡分期支付所述投保费用，否则，向目标用户发送一个是否办理信用卡的提示，若接收到目标用户返回的确认办理信用卡的信息，为目标用户办理信用卡，利用办理的信用卡分期支付所述投保费用。具体的，若根据所述目标信用卡号判定目标信用卡不满足预设信用卡分期支付要求，可以向目标用户发送信用卡分期支付失败信息，该信息可以携带预设信用卡分期支付要求。
请参阅图2，图2是本申请另一实施例提供的一种投保费用支付方法的示意流程图。与图1对应的实施例的区别在于：若根据所述目标信用卡号判定目标信用卡满足预设信用卡分期支付要求，则利用所述目标信用卡分期支付所述投保费用可以包括S205。其中S201~S204与上一实施例中的S101~S104相同。具体地，S205可以包括S2051~S2055：
S2051：根据所述目标信用卡号查询所述目标信用卡的额度和使用记录，所述使用记录包括还款时间。这里，在根据目标信用卡号查询目标信用卡的额度和使用记录之前，还可以包括：判断所述目标信用卡号对应的目标信用卡是否为预设可支持信用卡分期支付的信用卡，若判定目标信用卡为预设可支持信用卡分期支付的信用卡，根据目标信用卡号查询所述目标信用卡的额度和使用记录，否则，向目标用户发送一个是否办理信用卡的提示，若接收到目标用户返回的确认办理信用卡的信息，为目标用户办理信用卡。
S2052：判断所述目标信用卡的额度是否达到预设信用卡分期支付金额。具体地，预设信用卡分期支付金额可以根据实际情况设置，例如设置预设信用卡分期支付金额为信用卡分期支付最低金额，判断目标信用卡的额度是否达到信用卡分期支付最低金额。
S2053：判断所述还款时间中超期还款时间的次数是否低于预设次数，所述超期还款时间为超过预设还款时间的还款时间。这里，预设次数可以根据需要设置，例如5次或10次等。还款时间中超期还款时间可以有一次或多次，获取还款时间中超期还款时间的总次数，将该总次数与预设次数进行比较。
S2054：判断所述还款时间中超期还款时间与所述预设还款时间的时间间隔是否低于预设时间间隔。具体地，若还款时间中超期还款时间只有一次，则判断该超期还款时间与预设还款时间的时间间隔是否低于预设时间间隔，若还款时间中超期还款时间有多次，则分别将每次超期还款时间与预设还款时间进行比较，判断所有超期还款时间与预设还款时间的时间间隔是否都低于预设时间间隔。
S2055：若判定所述目标信用卡的额度达到预设信用卡分期支付金额，所述还款时间中超期还款时间的次数低于预设次数，且所述还款时间中超期还款时间与所述预设还款时间的时间间隔低于预设时间间隔，判定所述目标信用卡满足预设信用卡分期支付要求，利用所述目标信用卡分期支付所述投保费用。这里，若判定所述目标信用卡的额度未达到预设信用卡分期支付金额，或者，所述还款时间中超期还款时间的次数大于或等于预设次数，或者，所述还款时间中超期还款时间与所述预设还款时间的时间间隔大于或等于预设时间间隔，判定目标信用卡不满足预设信用卡分期支付要求，启动现金支付流程。
请参阅图3，图3是本申请再一实施例提供的一种投保费用支付方法的示意流程图。本实施例上述实施例的区别在于S305~S307，其中S301~S304与上一实施例中S101~S104相同。
S305：将预设的信用卡分期支付方式发送至所述目标用户。这里，可以根据实际情况预设多种信用卡分期支付方式，每种信用卡分期支付方式中均包括分期期数和分期金额，例如第一信用卡分期支付方式中分期期数n1，分期金额m1，第二信用卡分期支付方式中分期期数n2，分期金额m2等。
S306：接收所述目标用户发送的支付方式选取指令，根据所述支付方式选取指令确定目标信用卡分期支付方式。具体地，上述支付方式选取指令可以携带一种信用卡分期支付方式，根据该支付方式选取指令确定目标信用卡分期支付方式，将目标信用卡分期支付方式发送至目标用户进行确认，在接收到目标用户返回的确认没有问题的信息后，执行步骤S307，否则，返回步骤S305重新将预设的信用卡分期支付方式发送至目标用户。
S307：根据所述目标信用卡分期支付方式，利用所述目标信用卡分期支付所述投保费用。这里，在确定目标信用卡分期支付方式后，可以判断目标信用卡是否满足目标信用卡分期支付方式的要求，可以判断目标信用卡的额度是否达到目标信用卡分期支付方式中的分期金额，若判定达到，利用目标信用卡分期支付上述投保费用，否则，返回步骤S305重新将预设的信用卡分期支付方式发送至目标用户。
请参阅图4，图4是本申请又一实施例提供的一种投保费用支付方法的示意流程图。本实施例上述实施例的区别在于S403~S407，其中S401~S402与上一实施例中S101~S102相同。
S403：若接收到所述目标用户返回的确认进行信用卡分期支付的信息，则向所述目标用户发送一个是否办理信用卡的第二提示。这里，在目标用户确认进行信用卡分期支付后，可以先向目标用户发送一个是否已有可用的信用卡的提示，若接收到目标用户返回的没有可用的信用卡的信息，向目标用户发送一个是否办理信用卡的第二提示。
S404：若接收到所述目标用户返回的确认办理信用卡的信息，则判断所述投保费用是否达到预设投保费用，且判断所述目标用户的投保年限是否达到预设投保年限。具体地，在接收到目标用户返回的确认办理信用卡的信息后，可以先根据预存的用户信息判断目标用户是续保客户还是新投保客户；若判定目标用户是续保客户，则除了判断投保费用是否达到预设投保费用，判断投保年限是否达到预设投保年限外，还可以判断是否在预设续保时间内续保；若判定目标用户是新投保客户，则判断投保费用是否达到预设投保费用，判断投保年限是否达到预设投保年限，并记录该用户信息。
S405：若判定所述投保费用达到预设投保费用，且所述目标用户的投保年限达到预设投保年限，向所述目标用户发送信用卡办理信息获取请求。这里，若判定所述投保费用未达到预设投保费用，或者，所述目标用户的投保年限未达到预设投保年限，向目标用户发送信用卡办理失败信息，启动现金支付流程。
S406：接收所述目标用户根据所述信用卡办理信息获取请求返回的办理信息。具体地，目标用户返回的办理信息可以包括姓名、身份证号、电话等信息。在接收目标用户返回的办理信息后，可以包括：将该办理信息发送至目标用户进行确认，在目标用户确认信息正确后，执行步骤S407，否则，重新接收目标用户返回的办理信息。
S407：根据所述办理信息办理信用卡，将办理的信用卡作为新的目标信用卡，执行利用所述目标信用卡分期支付所述投保费用的步骤。
请参阅图5，图5是本申请又一实施例提供的一种投保费用支付方法的示意流程图。本实施例上述实施例的区别在于S505~S507，其中S501~S504与上一实施例中S101~S104相同。
S505：接收所述目标用户发送的支付方式设置请求，所述支付方式设置请求携带待设置分期期数和待设置分期金额。这里，目标用户根据需要设置支付方式，可以设置分期期数和分期金额等。
S506：根据预设分期期数范围审核所述待设置分期期数，根据预设分期金额范围审核所述待设置分期金额。具体地，可以预先设置分期期数上下限，根据该上下限审核上述待设置分期期数是否符合要求，同理，也可以预先设置分期金额上下限，根据该上下限审核上述待设置分期金额是否符合要求。
S507：若审核所述待设置分期期数通过，且审核所述待设置分期金额通过，则根据所述待设置分期期数和所述待设置分期金额，利用所述目标信用卡分期支付所述投保费用。这里，若审核所述待设置分期期数不通过，或者，审核所述待设置分期金额不通过，发送支付方式设置失败信息至目标用户，该失败信息可以携带预设分期期数范围和预设分期金额范围，返回步骤S505重新接收目标用户发送的支付方式设置请求。
对应于上文实施例所述的投保费用支付方法，图6示出了本申请实施例提供的投保费用支付程序的运行环境示意图。在本实施例中，所述的投保费用支付程序600安装并运行于终端设备60中。该终端设备60可以是移动终端、掌上电脑、服务器等。该终端设备60可包括，但不仅限于，存储器601、处理器602及显示器603。
所述存储器601在一些实施例中可以是所述终端设备60的内部存储单元，例如该终端设备60的硬盘或内存。所述存储器601在另一些实施例中也可以是所述终端设备60的外部存储设备，例如所述终端设备60上配备的插接式硬盘，智能存储卡（Smart Media Card，SMC），安全数字（Secure Digital，SD）卡，闪存卡（Flash Card）等。进一步地，所述存储器601还可以既包括所述终端设备60的内部存储单元也包括外部存储设备。所述存储器601用于存储安装于所述终端设备60的应用软件及各类数据，例如所述投保费用支付程序600的程序代码等。所述存储器601还可以用于暂时地存储已经输出或者将要输出的数据。
所述处理器602在一些实施例中可以是一中央处理器（Central Processing Unit，CPU），微处理器或其他数据处理芯片，用于运行所述存储器601中存储的程序代码或处理数据，例如执行所述投保费用支付程序600等。
所述显示器603在一些实施例中可以是LED显示器、液晶显示器、触控式液晶显示器以及OLED（Organic Light-Emitting Diode，有机发光二极管）触摸器等。所述显示器603用于显示在所述终端设备60中处理的信息以及用于显示可视化的用户界面，例如应用菜单界面、应用图标界面等。所述终端设备60的部件601-603通过系统总线相互通信。
请参阅图7，是本申请实施例提供的投保费用支付程序600的功能模块图。在本实施例中，所述的投保费用支付程序600可以被分割成投保费用确定单元701、第一提示发送单元702、第一请求发送单元703、信用卡号接收单元704及分期支付单元705。本申请所称的模块是指能够完成特定功能的一系列计算机可读指令指令段，比程序更适合于描述所述投保费用支付程序600在所述终端设备60中的执行过程。
其中，投保费用确定单元701，用于接收目标用户发送的投保指令，根据所述投保指令确定所述目标用户的投保费用。第一提示发送单元702，用于向所述目标用户发送一个是否进行信用卡分期支付的第一提示，所述第一提示携带所述投保费用。第一请求发送单元703，用于若接收到所述目标用户返回的确认进行信用卡分期支付的信息，则采用IVR语音提示方式向所述目标用户发送信用卡号获取请求。信用卡号接收单元704，用于接收所述目标用户根据所述信用卡号获取请求返回的目标信用卡号。分期支付单元705，用于若根据所述目标信用卡号判定目标信用卡满足预设信用卡分期支付要求，则利用所述目标信用卡分期支付所述投保费用。
可选的，分期支付单元705根据所述目标信用卡号判定目标信用卡满足预设信用卡分期支付要求的方式包括：根据所述目标信用卡号查询所述目标信用卡的额度和使用记录，所述使用记录包括还款时间；判断所述目标信用卡的额度是否达到预设信用卡分期支付金额；判断所述还款时间中超期还款时间的次数是否低于预设次数，所述超期还款时间为超过预设还款时间的还款时间；判断所述还款时间中超期还款时间与所述预设还款时间的时间间隔是否低于预设时间间隔；若判定所述目标信用卡的额度达到预设信用卡分期支付金额，所述还款时间中超期还款时间的次数低于预设次数，且所述还款时间中超期还款时间与所述预设还款时间的时间间隔低于预设时间间隔，判定所述目标信用卡满足预设信用卡分期支付要求。
可选的，所述的投保费用支付程序600还可以被分割成分期支付方式发送单元706和分期支付方式确定单元707。其中，分期支付方式发送单元706，用于将预设的信用卡分期支付方式发送至所述目标用户。分期支付方式确定单元707，用于接收所述目标用户发送的支付方式选取指令，根据所述支付方式选取指令确定目标信用卡分期支付方式。所述分期支付单元705，用于根据所述目标信用卡分期支付方式，利用所述目标信用卡分期支付投保费用。
可选的，所述的投保费用支付程序600还可以被分割成第二提示发送单元708、信息审核单元709、第二请求发送单元710和办理信息接收单元711。其中，第二提示发送单元708，用于向所述目标用户发送一个是否办理信用卡的第二提示。信息审核单元709，用于若接收到所述目标用户返回的确认办理信用卡的信息，则判断所述投保费用是否达到预设投保费用，且判断所述目标用户的投保年限是否达到预设投保年限。第二请求发送单元710，用于若判定所述投保费用达到预设投保费用，且所述目标用户的投保年限达到预设投保年限，向所述目标用户发送信用卡办理信息获取请求。办理信息接收单元711，用于接收所述目标用户根据所述信用卡办理信息获取请求返回的办理信息。所述分期支付单元705，用于根据所述办理信息办理信用卡，将办理的信用卡作为新的目标信用卡，执行利用所述目标信用卡分期支付所述投保费用的步骤。
可选的，所述的投保费用支付程序600还可以被分割成支付方式设置单元712和支付方式审核单元713。其中，支付方式设置单元712，用于接收所述目标用户发送的支付方式设置请求，所述支付方式设置请求携带待设置分期期数和待设置分期金额。支付方式审核单元713，用于根据预设分期期数范围审核所述待设置分期期数，根据预设分期金额范围审核所述待设置分期金额。所述分期支付单元705，用于若审核所述待设置分期期数通过，且审核所述待设置分期金额通过，则根据所述待设置分期期数和所述待设置分期金额，利用所述目标信用卡分期支付所述投保费用。
所述集成的模块/单元如果以软件功能单元的形式实现并作为独立的产品销售或使用时，可以存储在一个计算机可读取存储介质中。基于这样的理解，本申请实现上述实施例方法中的全部或部分流程，也可以通过计算机可读指令来指令相关的硬件来完成，所述的计算机可读指令可存储于一计算机可读存储介质中，该计算机可读指令在被处理器执行时，可实现上述各个方法实施例的步骤。

Claims (20)

  1. 一种投保费用支付方法，其特征在于，包括：
    接收目标用户发送的投保指令，根据所述投保指令确定所述目标用户的投保费用；
    向所述目标用户发送一个是否进行信用卡分期支付的第一提示，所述第一提示携带所述投保费用；
    若接收到所述目标用户返回的确认进行信用卡分期支付的信息，则采用IVR语音提示方式向所述目标用户发送信用卡号获取请求；
    接收所述目标用户根据所述信用卡号获取请求返回的目标信用卡号；
    若根据所述目标信用卡号判定目标信用卡满足预设信用卡分期支付要求，则利用所述目标信用卡分期支付所述投保费用。
  2. 如权利要求1所述的投保费用支付方法，其特征在于，根据所述目标信用卡号判定目标信用卡满足预设信用卡分期支付要求的方式包括：
    根据所述目标信用卡号查询所述目标信用卡的额度和使用记录，所述使用记录包括还款时间；
    判断所述目标信用卡的额度是否达到预设信用卡分期支付金额；
    判断所述还款时间中超期还款时间的次数是否低于预设次数，所述超期还款时间为超过预设还款时间的还款时间；
    判断所述还款时间中超期还款时间与所述预设还款时间的时间间隔是否低于预设时间间隔；
    若判定所述目标信用卡的额度达到预设信用卡分期支付金额，所述还款时间中超期还款时间的次数低于预设次数，且所述还款时间中超期还款时间与所述预设还款时间的时间间隔低于预设时间间隔，判定所述目标信用卡满足预设信用卡分期支付要求。
  3. 如权利要求1所述的投保费用支付方法，其特征在于，还包括：
    将预设的信用卡分期支付方式发送至所述目标用户；
    接收所述目标用户发送的支付方式选取指令，根据所述支付方式选取指令确定目标信用卡分期支付方式；
    利用所述目标信用卡分期支付所述投保费用包括：
    根据所述目标信用卡分期支付方式，利用所述目标信用卡分期支付所述投保费用。
  4. 如权利要求1所述的投保费用支付方法，其特征在于，还包括：
    向所述目标用户发送一个是否办理信用卡的第二提示；
    若接收到所述目标用户返回的确认办理信用卡的信息，则判断所述投保费用是否达到预设投保费用，且判断所述目标用户的投保年限是否达到预设投保年限；
    若判定所述投保费用达到预设投保费用，且所述目标用户的投保年限达到预设投保年限，向所述目标用户发送信用卡办理信息获取请求；
    接收所述目标用户根据所述信用卡办理信息获取请求返回的办理信息；
    根据所述办理信息办理信用卡，将办理的信用卡作为新的目标信用卡，执行利用所述目标信用卡分期支付所述投保费用的步骤。
  5. 如权利要求1所述的投保费用支付方法，其特征在于，还包括：
    接收所述目标用户发送的支付方式设置请求，所述支付方式设置请求携带待设置分期期数和待设置分期金额；
    根据预设分期期数范围审核所述待设置分期期数，根据预设分期金额范围审核所述待设置分期金额；
    利用所述目标信用卡分期支付所述投保费用包括：
    若审核所述待设置分期期数通过，且审核所述待设置分期金额通过，则根据所述待设置分期期数和所述待设置分期金额，利用所述目标信用卡分期支付所述投保费用。
  6. 一种投保费用支付装置，其特征在于，包括：
    投保费用确定单元，用于接收目标用户发送的投保指令，根据所述投保指令确定所述目标用户的投保费用；
    第一提示发送单元，用于向所述目标用户发送一个是否进行信用卡分期支付的第一提示，所述第一提示携带所述投保费用；
    第一请求发送单元，用于若接收到所述目标用户返回的确认进行信用卡分期支付的信息，则采用IVR语音提示方式向所述目标用户发送信用卡号获取请求；
    信用卡号接收单元，用于接收所述目标用户根据所述信用卡号获取请求返回的目标信用卡号；
    分期支付单元，用于若根据所述目标信用卡号判定目标信用卡满足预设信用卡分期支付要求，则利用所述目标信用卡分期支付所述投保费用。
  7. 根据权利要求6所述的投保费用支付装置，其特征在于，所述分期支付单元根据所述目标信用卡号判定目标信用卡满足预设信用卡分期支付要求的方式包括：
    根据所述目标信用卡号查询所述目标信用卡的额度和使用记录，所述使用记录包括还款时间；
    判断所述目标信用卡的额度是否达到预设信用卡分期支付金额；
    判断所述还款时间中超期还款时间的次数是否低于预设次数，所述超期还款时间为超过预设还款时间的还款时间；
    判断所述还款时间中超期还款时间与所述预设还款时间的时间间隔是否低于预设时间间隔；
    若判定所述目标信用卡的额度达到预设信用卡分期支付金额，所述还款时间中超期还款时间的次数低于预设次数，且所述还款时间中超期还款时间与所述预设还款时间的时间间隔低于预设时间间隔，判定所述目标信用卡满足预设信用卡分期支付要求。
  8. 根据权利要求6所述的投保费用支付装置，其特征在于，还包括：
    分期支付方式发送单元，用于将预设的信用卡分期支付方式发送至所述目标用户；
    分期支付方式确定单元，用于接收所述目标用户发送的支付方式选取指令，根据所述支付方式选取指令确定目标信用卡分期支付方式；
    所述分期支付单元，用于根据所述目标信用卡分期支付方式，利用所述目标信用卡分期支付所述投保费用。
  9. 根据权利要求6所述的投保费用支付装置，其特征在于，还包括：
    第二提示发送单元，用于向所述目标用户发送一个是否办理信用卡的第二提示；
    信息审核单元，用于若接收到所述目标用户返回的确认办理信用卡的信息，则判断所述投保费用是否达到预设投保费用，且判断所述目标用户的投保年限是否达到预设投保年限；
    第二请求发送单元，用于若判定所述投保费用达到预设投保费用，且所述目标用户的投保年限达到预设投保年限，向所述目标用户发送信用卡办理信息获取请求；
    办理信息接收单元，用于接收所述目标用户根据所述信用卡办理信息获取请求返回的办理信息；
    所述分期支付单元，用于根据所述办理信息办理信用卡，将办理的信用卡作为新的目标信用卡，执行利用所述目标信用卡分期支付所述投保费用的步骤。
  10. 根据权利要求6所述的投保费用支付装置，其特征在于，还包括：
    支付方式设置单元，用于接收所述目标用户发送的支付方式设置请求，所述支付方式设置请求携带待设置分期期数和待设置分期金额；
    支付方式审核单元，用于根据预设分期期数范围审核所述待设置分期期数，根据预设分期金额范围审核所述待设置分期金额；
    所述分期支付单元，用于若审核所述待设置分期期数通过，且审核所述待设置分期金额通过，则根据所述待设置分期期数和所述待设置分期金额，利用所述目标信用卡分期支付所述投保费用。
  11. 一种投保费用支付终端设备，其特征在于，包括存储器、处理器，所述存储器上存储有可在所述处理器上运行的计算机可读指令，所述处理器执行所述计算机序时实现如下步骤：
    接收目标用户发送的投保指令，根据所述投保指令确定所述目标用户的投保费用；
    向所述目标用户发送一个是否进行信用卡分期支付的第一提示，所述第一提示携带所述投保费用；
    若接收到所述目标用户返回的确认进行信用卡分期支付的信息，则采用IVR语音提示方式向所述目标用户发送信用卡号获取请求；
    接收所述目标用户根据所述信用卡号获取请求返回的目标信用卡号；
    若根据所述目标信用卡号判定目标信用卡满足预设信用卡分期支付要求，则利用所述目标信用卡分期支付所述投保费用。
  12. 根据权利要求11所述的投保费用支付终端设备，其特征在于，根据所述目标信用卡号判定目标信用卡满足预设信用卡分期支付要求的方式包括：
    根据所述目标信用卡号查询所述目标信用卡的额度和使用记录，所述使用记录包括还款时间；
    判断所述目标信用卡的额度是否达到预设信用卡分期支付金额；
    判断所述还款时间中超期还款时间的次数是否低于预设次数，所述超期还款时间为超过预设还款时间的还款时间；
    判断所述还款时间中超期还款时间与所述预设还款时间的时间间隔是否低于预设时间间隔；
    若判定所述目标信用卡的额度达到预设信用卡分期支付金额，所述还款时间中超期还款时间的次数低于预设次数，且所述还款时间中超期还款时间与所述预设还款时间的时间间隔低于预设时间间隔，判定所述目标信用卡满足预设信用卡分期支付要求。
  13. 根据权利要求11所述的投保费用支付终端设备，其特征在于，所述处理器执行所述计算机可读指令时还实现如下步骤：
    将预设的信用卡分期支付方式发送至所述目标用户；
    接收所述目标用户发送的支付方式选取指令，根据所述支付方式选取指令确定目标信用卡分期支付方式；
    利用所述目标信用卡分期支付所述投保费用包括：
    根据所述目标信用卡分期支付方式，利用所述目标信用卡分期支付所述投保费用。
  14. 根据权利要求11所述的投保费用支付终端设备，其特征在于，所述处理器执行所述计算机可读指令时还实现如下步骤：
    向所述目标用户发送一个是否办理信用卡的第二提示；
    若接收到所述目标用户返回的确认办理信用卡的信息，则判断所述投保费用是否达到预设投保费用，且判断所述目标用户的投保年限是否达到预设投保年限；
    若判定所述投保费用达到预设投保费用，且所述目标用户的投保年限达到预设投保年限，向所述目标用户发送信用卡办理信息获取请求；
    接收所述目标用户根据所述信用卡办理信息获取请求返回的办理信息；
    根据所述办理信息办理信用卡，将办理的信用卡作为新的目标信用卡，执行利用所述目标信用卡分期支付所述投保费用的步骤。
  15. 根据权利要求11所述的投保费用支付终端设备，其特征在于，所述处理器执行所述计算机可读指令时还实现如下步骤：
    接收所述目标用户发送的支付方式设置请求，所述支付方式设置请求携带待设置分期期数和待设置分期金额；
    根据预设分期期数范围审核所述待设置分期期数，根据预设分期金额范围审核所述待设置分期金额；
    利用所述目标信用卡分期支付所述投保费用包括：
    若审核所述待设置分期期数通过，且审核所述待设置分期金额通过，则根据所述待设置分期期数和所述待设置分期金额，利用所述目标信用卡分期支付所述投保费用。
  16. 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计算机可读指令，其特征在于，所述计算机可读指令被至少一个处理器执行时实现如下步骤：
    接收目标用户发送的投保指令，根据所述投保指令确定所述目标用户的投保费用；
    向所述目标用户发送一个是否进行信用卡分期支付的第一提示，所述第一提示携带所述投保费用；
    若接收到所述目标用户返回的确认进行信用卡分期支付的信息，则采用IVR语音提示方式向所述目标用户发送信用卡号获取请求；
    接收所述目标用户根据所述信用卡号获取请求返回的目标信用卡号；
    若根据所述目标信用卡号判定目标信用卡满足预设信用卡分期支付要求，则利用所述目标信用卡分期支付所述投保费用。
  17. 根据权利要求16所述的计算机可读存储介质，其特征在于，根据所述目标信用卡号判定目标信用卡满足预设信用卡分期支付要求的方式包括：
    根据所述目标信用卡号查询所述目标信用卡的额度和使用记录，所述使用记录包括还款时间；
    判断所述目标信用卡的额度是否达到预设信用卡分期支付金额；
    判断所述还款时间中超期还款时间的次数是否低于预设次数，所述超期还款时间为超过预设还款时间的还款时间；
    判断所述还款时间中超期还款时间与所述预设还款时间的时间间隔是否低于预设时间间隔；若判定所述目标信用卡的额度达到预设信用卡分期支付金额，所述还款时间中超期还款时间的次数低于预设次数，且所述还款时间中超期还款时间与所述预设还款时间的时间间隔低于预设时间间隔，判定所述目标信用卡满足预设信用卡分期支付要求。
  18. 根据权利要求16所述的计算机可读存储介质，其特征在于，所述计算机可读指令被至少一个处理器执行时还实现如下步骤：
    将预设的信用卡分期支付方式发送至所述目标用户；
    接收所述目标用户发送的支付方式选取指令，根据所述支付方式选取指令确定目标信用卡分期支付方式；
    利用所述目标信用卡分期支付所述投保费用包括：
    根据所述目标信用卡分期支付方式，利用所述目标信用卡分期支付所述投保费用。
  19. 根据权利要求16所述的计算机可读存储介质，其特征在于，所述计算机可读指令被至少一个处理器执行时还实现如下步骤：
    向所述目标用户发送一个是否办理信用卡的第二提示；
    若接收到所述目标用户返回的确认办理信用卡的信息，则判断所述投保费用是否达到预设投保费用，且判断所述目标用户的投保年限是否达到预设投保年限；
    若判定所述投保费用达到预设投保费用，且所述目标用户的投保年限达到预设投保年限，向所述目标用户发送信用卡办理信息获取请求；
    接收所述目标用户根据所述信用卡办理信息获取请求返回的办理信息；
    根据所述办理信息办理信用卡，将办理的信用卡作为新的目标信用卡，执行利用所述目标信用卡分期支付所述投保费用的步骤。
  20. 根据权利要求16所述的计算机可读存储介质，其特征在于，所述计算机可读指令被至少一个处理器执行时还实现如下步骤：
    接收所述目标用户发送的支付方式设置请求，所述支付方式设置请求携带待设置分期期数和待设置分期金额；根据预设分期期数范围审核所述待设置分期期数，根据预设分期金额范围审核所述待设置分期金额；利用所述目标信用卡分期支付所述投保费用包括：若审核所述待设置分期期数通过，且审核所述待设置分期金额通过，则根据所述待设置分期期数和所述待设置分期金额，利用所述目标信用卡分期支付所述投保费用。
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CN104867045A (zh) * 2015-04-30 2015-08-26 陈仁滨 用户自定分期付款的交易系统及交易方法
CN106997560A (zh) * 2016-01-22 2017-08-01 平安科技（深圳）有限公司 处理信用卡投保的方法和装置

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CN101334886A (zh) * 2008-07-30 2008-12-31 李爱香 利用保险综合业务系统实现信用卡分期邮购的系统及方法
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