WO2019104877A1 - Method, apparatus and device for connection to insurance purchase through website and medium - Google Patents

Abstract

Disclosed are a method, apparatus and device for connection to insurance purchase through a website and a storage medium. The method comprises: acquiring an insurance premium for an insurance product selected by a current user when an insurance product purchasing instruction is detected on an insurance promotion page; sending, to an insurance system, a request for calling information of a user health status information page; after an authority of calling the user health status information page is obtained, calling the user health status information page, extracting user health status information, and performing intelligent underwriting on the user according to the user health status information; extracting an insurance data filling page in the insurance system after the user passes the intelligent underwriting; and after the insurance data filled by the user is received, generating an insurance order according to the insurance data filled by the user and the obtained insurance premium so that the user can make a payment. The present invention can simplify the process for a user to purchase an insurance product, and can simplify the connection flow with a channel party and thus reduces the connection cost.

Description

 Method, device, device and medium for purchasing insurance through website

This application is submitted to the Chinese Patent Office on November 30, 2017, and the application number is 201711247437.5

The title of the invention is the priority of the Chinese patent application entitled "Method, Apparatus, Apparatus, and Medium for Buying Insurance through the Website", the entire contents of which are incorporated herein by reference.

Technical field

The present invention relates to the field of website docking, and in particular, to a method, device, device and computer readable storage medium for purchasing insurance through a website.

Background technique

At present, with the development of society and the improvement of people's safety awareness, people gradually realize the importance of insurance, and more and more people have joined the ranks of purchasing insurance.

At present, when customers purchase insurance products online, the information about the health status filled out by the user is very simple. Under normal circumstances, the user's health status can only be filled in a healthy state, and the actual health status of the customer cannot be fully understood.

When the insurance products are promoted through the channel, some channels have no charging plan. When the user sees the promotion of the promoted insurance products in the channel, if the user needs to purchase at this time, and the channel has no charging plan, the user can only jump through the page. The transfer mode jumps to the docking insurance system, and then the purchase is made in the insurance system, and the purchase in the insurance system is not convenient for the channel side to collect the sales data; or the ESG platform is connected with the insurance system, but through the ESG platform and the insurance system. The process of docking is complicated, and the authentication is inconvenient, and an additional docking payment platform is required or charged by other methods. The scene is varied and the docking is complicated.

Summary of the invention

The main object of the present invention is to provide a method, a device, a device and a computer readable storage medium for purchasing insurance through a website, aiming at solving the problem of jumping to the docked insurance system through the page jump mode, and not facilitating the channel side statistics. Sales data; the technical process of connecting the insurance system through the ESG platform is complicated and the authentication is inconvenient.

To achieve the above object, the present invention provides a method for purchasing insurance through a website docking, the method comprising:

When the purchase insurance product instruction is detected on the insurance promotion page, the premium of the insurance product selected by the current user is obtained;

Sending information requesting to retrieve the user's health status information page to the insurance system;

After obtaining the permission to retrieve the user health information page, the user health information page in the insurance system is retrieved, the user's health status information is extracted from the user health status information page, and the user is authenticated according to the user's health status information. Carry out smart underwriting;

After the user passes the smart underwriting, the insurance data filling page in the insurance system is extracted;

After receiving the insurance data filled in by the user, the insurance order is generated according to the insurance data filled in by the user and the obtained premium, so that the user can make the payment.

Optionally, the step of obtaining the premium of the insurance product selected by the current user includes:

Obtaining the premium of the insurance product clicked by the current user from the insurance system through the interface;

Or obtain the calculation rule of the premium from the insurance system through the interface, and calculate the premium of the insurance product that the current user clicks according to the obtained calculation rule.

Optionally, after receiving the insurance data filled in by the user, the step of generating the insurance order according to the insurance data filled in by the user and the obtained premium, so that the user performs the payment includes:

After receiving the insurance data filled in by the user, the corresponding insurance order is generated according to the insurance data filled in by the user, the obtained premium and the charging plan of the current insurance promotion page;

Or, take out the insurance order provided by the insurance system so that the user can make the payment.

Optionally, after the step of generating the insurance order according to the insurance data filled in by the user and the obtained premium, the method further includes:

The receiving insurance system changes the status of the order through the data feedback feedback, and performs sales data statistics according to the specific status of the order.

Optionally, the step of obtaining the premium of the insurance product that the current user clicks and displaying the obtained premium includes:

Obtain the premium of the insurance product that the current user clicks through the interface, and display the obtained premium on the insurance promotion page;

Or, according to the purchase insurance product instruction, the page jumps, the docking jumps to the insurance system, controls the insurance system to obtain the premium of the insurance product clicked by the current user, and displays the obtained premium.

Optionally, after the step of displaying the obtained premium, the method further includes:

The insurance system is controlled according to the purchase insurance product instruction to extract the health status information filled in by the user, and the user is intelligently underwritten according to the health status information of the user.

Optionally, after the step of performing smart underwriting on the user according to the user's health status information, the method further includes:

After the user passes the smart underwriting, the insurance system is controlled to jump to the insurance purchase page;

After receiving the insurance data filled in by the user, the insurance data filled in by the user and the obtained premium are sent to the insurance system for the insurance system to generate the insurance order.

In addition, in order to achieve the above object, the present invention also provides an apparatus for purchasing insurance through a website docking, the apparatus comprising:

The obtaining module is configured to obtain the premium of the insurance product selected by the current user when the insurance product promotion order is detected on the insurance promotion page;

a sending module, configured to send information requesting to retrieve a user health information page to the insurance system;

An extraction module, configured to retrieve a user health status information page in the insurance system after obtaining the permission to retrieve the user health status information page, and extract the user's health status information in the user health status information page, and according to the user's Health status information is intelligently underwritten by the user;

After the user passes the smart underwriting, the insurance data filling page in the insurance system is extracted;

The insurance order module is generated. After receiving the insurance data filled in by the user, the insurance order is generated according to the insurance data filled in by the user and the obtained premium, so that the user can make the payment.

In addition, in order to achieve the above object, the present invention further provides an apparatus for purchasing insurance through a website docking, and the apparatus for purchasing insurance through a website docking includes a procedure for purchasing insurance through a website docking, and the program for purchasing insurance through the website docking is The step of implementing the method of purchasing insurance through the website as described above when executing the device for purchasing insurance through the website.

In addition, in order to achieve the above object, the present invention further provides a computer readable storage medium, where the program for purchasing insurance through a website is stored, and the program for purchasing insurance through a website is executed by a processor. The steps of the method of purchasing insurance through the website docking as described above are implemented.

The method, the device, the device and the computer readable storage medium for purchasing insurance through the website through the website, when detecting the purchase insurance product instruction on the insurance promotion page, obtaining the premium of the insurance product selected by the current user, specifically through the HTTP interface Obtaining; then sending the information requesting to retrieve the user's health information page to the insurance system, in order to obtain the right to retrieve the user's health status information page, and after obtaining the permission to retrieve the user's health status information page, the insurance system is called. The user health status information page extracts the user's health status information in the user health status information page, where the user health status information page is a plurality of pages, each page has a detailed health status question and a user questioning the user The answer is to obtain the user's specific health status information, and then intelligently underwrite the user according to the user's health status information; after the user passes the intelligent underwriting, the insurance data filling page in the insurance system is extracted; when the user receives the filling After insuring the data, according to the use The insurance data and the obtained premiums generated by the user generate an insurance order for the user to make the payment, and the user can purchase the insurance through the insurance order, does not need to enter the insurance system to make the purchase, and obtains the premium and other information through HTTP. The interface or H5 interface is used for acquisition. The docking process is simple and the cost is low, which simplifies the process of docking and reduces the cost of docking.

DRAWINGS

1 is a schematic flow chart of a first embodiment of a method for purchasing insurance through a website docking;

2 is a schematic flowchart of a fourth embodiment of a method for purchasing insurance through a website; FIG. 3 is a schematic flowchart of a sixth embodiment of a method for purchasing insurance through a website;

4 is a schematic flow chart of a seventh embodiment of a method for purchasing insurance through a website docking;

FIG. 5 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present invention.

The implementation, functional features, and advantages of the present invention will be further described in conjunction with the embodiments.

Detailed ways

It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

The main solution of the embodiment of the present invention is: when the insurance promotion page is detected, the premium of the insurance product selected by the current user is obtained, which can be obtained through an HTTP interface; and then the request is retrieved from the user's health status information. The information of the page is sent to the insurance system, so as to obtain the right to retrieve the information page of the user's health status, and after obtaining the permission to retrieve the information page of the user's health status, the user health information page in the insurance system is retrieved, and the user is healthy. The health information information of the user is extracted from the status information page, where the user health information information page is a plurality of pages, each page has a detailed health status question and a user's answer to the user, thereby obtaining specific health status information of the user. Then, according to the user's health status information, the user is intelligently underwritten; after the user passes the intelligent underwriting, the insurance data filling page in the insurance system is extracted; after receiving the insurance data filled in by the user, according to the insurance data and the user filling in the insurance data The premium generated to generate an insurance order In order for the user to make a payment, the user can purchase the insurance through the insurance order, and does not need to enter the insurance system to purchase, and the information such as obtaining the premium is obtained through the HTTP interface or the H5 interface, and the docking process is simple and the cost is low. This simplifies the docking process and reduces the cost of docking.

The embodiment of the present invention considers that, at present, when a customer purchases an insurance product online, the information about the health status filled out by the user is very simple. Under normal circumstances, the health status of the user can only be filled in a good state of health, and the true health of the customer cannot be fully understood. status.

When the insurance products are promoted through the channel, some channels have no charging plan. When the user sees the promotion of the promoted insurance products in the channel, if the user needs to purchase at this time, and the channel has no charging plan, the user can only jump through the page. The transfer mode jumps to the docking insurance system, and then the purchase is made in the insurance system, and the purchase in the insurance system is not convenient for the channel side to collect the sales data; or the ESG platform is connected with the insurance system, but through the ESG platform and the insurance system. The process of docking is complicated, and the authentication is inconvenient, and an additional docking payment platform is required or charged by other methods. The scene is varied and the docking is complicated.

To this end, the embodiment of the present invention provides a method for purchasing insurance through a website docking. When the insurance promotion page detects an insurance product purchase instruction, the premium of the insurance product selected by the current user is obtained, which can be obtained through an HTTP interface; Sending information requesting to retrieve the user's health status information page to the insurance system, in order to obtain the right to retrieve the user's health status information page, and after obtaining the permission to retrieve the user's health status information page, retrieve the user's health status in the insurance system. The information page extracts the user's health status information in the user health status information page, where the user health status information page is a plurality of pages, each page has a detailed health status question and a user's answer to the user question, thereby Obtain the user's specific health status information, and then intelligently underwrite the user according to the user's health status information; after the user passes the intelligent underwriting, the insurance data filling page in the insurance system is extracted; after receiving the insurance data filled in by the user, According to the insurance data filled out by the user and The obtained premium generates an insurance order for the user to make a payment, and the user can purchase the insurance through the insurance order, does not need to enter the insurance system to purchase, and obtains the information such as the premium through the HTTP interface or the H5 interface. The docking process is simple and the cost is low, which simplifies the docking process and reduces the docking cost.

The present invention provides a method of purchasing insurance through a website docking.

Referring to FIG. 1, FIG. 1 is a schematic flowchart diagram of a first embodiment of a method for purchasing insurance through a website docking.

In this embodiment, the method includes:

Step S10: When detecting an insurance product purchase instruction on the insurance promotion page, obtaining a premium of the insurance product selected by the current user;

In this embodiment, in order to improve the promotion degree and promotion degree of insurance, the insurance promotion is carried out on the webpage through cooperation with the channel side, and the user can obtain the detailed content of the insurance through the promoted insurance information, thereby purchasing, specifically The user can click the insurance for promotion in the promotion page of the channel side, thereby triggering the purchase of the insurance product instruction, and then analyzing the insurance clicked by the user, thereby obtaining the specific type of insurance currently selected by the user, and then obtaining the insurance. The specific type is sent to the insurance system through the interface, and the interface may be an HTTP interface, so that the insurance system can query the specific premium of the insurance. In the specific implementation process, after obtaining the specific type of insurance, the interface may also acquire the security. The information of the insurance premium calculation rule is sent to the insurance system, and then receives the premium calculation rule sent by the insurance system, and then calculates the premium according to the premium calculation rule, and then displays the obtained or calculated premium on the display interface for the user to Know the specific premium .

Step S20, sending information requesting to retrieve the user health status information page to the insurance system;

After obtaining the premium corresponding to the insurance selected by the user, it is necessary to further obtain the specific health status of the user in the insurance system. In order to ensure the security of the user data in the insurance system, it is necessary to obtain the permission of the insurance system before the retrieval, so First, the information requesting to retrieve the user's health status information page needs to be sent to the insurance system, so that the insurance system verifies the identity of the channel party that sent the request, and after the verification is passed, the channel that sends the request is sent to retrieve the user's health status information. The permissions of the page.

In step S30, after obtaining the permission to retrieve the user health status information page, the user health status information page in the insurance system is retrieved, and the user's health status information is extracted from the user health status information page, and according to the user's health status. Information is intelligently underwritten by users;

After obtaining the premium corresponding to the insurance selected by the user, the user needs to obtain the specific health status of the user in the insurance system. Therefore, the user health information page needs to be retrieved, wherein the user health information page can also be a third-party user. The health status survey question and answer page is not limited to the user health status survey question and answer page of the insurance system. When the user health status information page is the user health status survey question and answer page of the insurance system, the page for obtaining the user health status information is obtained. After the permission, the call can be retrieved in the insurance system. The specific form of the user health status survey question and answer page is that the page has specific user health question questions, such as asking the user whether there is a certain disease, the user needs to be based on the actual situation. If the user chooses to answer yes or no, then after the user answers, according to the user's answer, continue to extract the next user health status survey question and answer page, continue to ask the user's health status, until the user answers all relevant questions, the user answers Finish all relevant After the question, the intelligent underwriting is performed according to the user's answer, that is, the user's specific answer is analyzed and summarized, thereby obtaining the user's detailed health status information; then the user can be audited according to the user's health status information to determine whether the user has the Eligibility to purchase current insurance does not require manual involvement in underwriting.

Step S40, after the user passes the smart underwriting, the insurance data filling page in the insurance system is extracted;

If the user passes the intelligent underwriting, that is, the user has the qualification to purchase the current insurance, the insured data filling page in the insurance system is extracted through the interface, and the specific information can be extracted through the HTTP interface, so that the user can fill in the insurance data, for example, the insured person, Specific information such as the name, gender, age, occupation, address, telephone number of the insurer and the beneficiary.

Step S50, after receiving the insurance data filled in by the user, generating an insurance order according to the insurance data filled in by the user and the obtained premium, so that the user can make a payment.

After receiving the specific information such as the name, gender, age, occupation, address, telephone number, etc. of the insured, the insured and the beneficiary, the user generates an insurance order according to the specific data of the insurance and the obtained premium, so that the user can Make a payment. Specifically, according to the charging plan of the channel side, the insured order is generated by combining the insured specific data filled in by the user and the obtained premium, and then the purchase is made through the purchase page of the current channel, and the purchase page of the insurance system may also be extracted. Purchase the insurance system's purchase page.

The method for purchasing insurance through the website docking in the embodiment, when detecting the purchase insurance product instruction on the insurance promotion page, obtaining the premium of the insurance product selected by the current user, specifically obtaining the content through the HTTP interface; then, the request is retrieved from the user. The information of the health status information page is sent to the insurance system, so as to obtain the authority to retrieve the user health status information page, and after obtaining the authority to retrieve the user health status information page, the user health status information page in the insurance system is retrieved. The user health status information page extracts the user's health status information, where the user health status information page is a plurality of pages, each page has a detailed health status question and a user's answer to the user, thereby obtaining the user's specific health. The status information is then intelligently underwritten according to the user's health status information; after the user passes the intelligent underwriting, the insurance data filling page in the insurance system is extracted; after receiving the insurance data filled in by the user, the insurance is filled according to the user. Data and premiums obtained The insured order is generated so that the user can make a payment, and the user can purchase the insurance through the insured order, and does not need to enter the insurance system to purchase, and the information such as obtaining the premium is obtained through the HTTP interface or the H5 interface, and the docking process is simple. The cost is low, which simplifies the process of docking and reduces the cost of docking.

Further, the first embodiment of the method for purchasing insurance through the website based on the present invention provides a second embodiment of the method for purchasing insurance through the website.

In this embodiment, the step S10 includes:

Obtaining the premium of the insurance product clicked by the current user from the insurance system through the interface;

Or obtain the calculation rule of the premium from the insurance system through the interface, and calculate the premium of the insurance product that the current user clicks according to the obtained calculation rule.

In this embodiment, the method for obtaining the premium may be: directly sending the insurance type and the information for obtaining the insurance premium to the insurance system, obtaining the insurance premium through the insurance system, or obtaining the insurance type and the insurance. The information of the insurance premium calculation rule is sent to the insurance system, and then receives the premium calculation rule fed back by the insurance system, and then the premium is calculated by the premium calculation rule to obtain the premium. Specifically, the insurance system can be connected via an HTTP interface to send information to the insurance system.

Further, the first embodiment of the method for purchasing insurance through the website based on the present invention provides a third embodiment of the method for purchasing insurance through the website.

In this embodiment, the step S40 includes:

After receiving the insurance data filled in by the user, the corresponding insurance order is generated according to the insurance data filled in by the user, the obtained premium and the charging plan of the current insurance promotion page;

Or, take out the insurance order provided by the insurance system so that the user can make the payment.

In this embodiment, after the insurance order receives the insurance data filled in by the user, the channel party can generate a corresponding insurance order according to the insurance data filled in by the user, the obtained premium and the charging plan of the current insurance promotion page. The user can make a payment in the generated insurance order to complete the insurance purchase, or send the insurance data filled by the received user to the insurance system, so that the insurance system generates the corresponding order, and then the generated order is fed back to the interface through the interface. The channel side, so that the user pays according to the order generated by the insurance system. Specifically, when the user pays the order generated by the channel, the user firstly sends the fee paid by the user to the channel party, and then sends the fee to the insurance system. When a user makes an payment through an order generated by the insurance system, the fee paid by the user is directly sent to the insurance system.

Further, referring to FIG. 2, a first embodiment of a method for purchasing insurance through a website docking based on the present invention provides a fourth embodiment of the method for purchasing insurance through the website.

In this embodiment, the step after the step S40 further includes:

Step S60, receiving the change information of the order status of the insurance system through the data feedback feedback, and performing sales data statistics according to the specific status of the order.

In this embodiment, after the user completes the payment, the insurance system updates the order status information of the user, and then feeds back the updated information of the user order information to the channel side by means of data return, so that the channel side can directly sell the data. Make statistics and follow up on the order.

Further, the first embodiment of the method for purchasing insurance through the website based on the present invention provides a fifth embodiment of the method for purchasing insurance through the website docking.

In this embodiment, the step S10 includes:

Obtain the premium of the insurance product that the current user clicks through the interface, and display the obtained premium on the insurance promotion page;

Or, according to the purchase insurance product instruction, the page jumps, the docking jumps to the insurance system, controls the insurance system to obtain the premium of the insurance product clicked by the current user, and displays the obtained premium.

In this embodiment, the premium can be obtained by the channel, and then displayed, specifically, the insurance type and the information of obtaining the insurance premium are directly sent to the insurance system, and the insurance premium is obtained through the insurance system. Or sending the insurance type and the information of obtaining the insurance premium calculation rule to the insurance system, and then receiving the premium calculation rule fed back by the insurance system, and calculating the premium through the premium calculation rule, and then passing the insurance through the insurance promotion page. Displaying; or displaying through the insurance system page, specifically, performing a page jump according to the purchase insurance product instruction, docking to the insurance system, and then controlling the insurance system to obtain the premium of the insurance product clicked by the current user, and The obtained premiums are displayed.

Further, referring to FIG. 3, a first embodiment of a method for purchasing insurance through a website docking based on the present invention provides a sixth embodiment of the method for purchasing insurance through the website docking.

In this embodiment, the step after the step S10 further includes:

Step S70: Control the insurance system to extract the health status information filled in by the user according to the purchase insurance product instruction, and perform smart underwriting according to the user's health status information.

In this embodiment, the user can be intelligently underwritten by the channel side, or the user can be intelligently underwritten by the insurance system. Specifically, after receiving the instruction to purchase the insurance product, according to the instruction for purchasing the insurance product, the control is performed. The insurance system extracts the health status information filled in by the user, and intelligently underwrites the user according to the health status information of the user, that is, triggers the intelligent underwriting mechanism of the insurance system through the purchase of the insurance product instruction, thereby extracting the health status filled out by the user. The information is intelligently underwritten by the user, that is, the user is audited according to the health status information filled in by the user, and it is judged whether the user has the qualification to purchase the current insurance, and no manual participation is required for the underwriting.

Further, referring to FIG. 4, a first embodiment of a method for purchasing insurance through a website docking based on the present invention provides a seventh embodiment of the method for purchasing insurance through a website.

In this embodiment, the step after the step S20 further includes:

Step S80, after the user passes the smart underwriting, the insurance system is controlled to jump to the insurance purchase page;

Step S90: After receiving the insurance data filled in by the user, the insurance data filled in by the user and the obtained premium are sent to the insurance system, so that the insurance system generates the insurance order.

In this embodiment, after the user passes the smart underwriting, the insurance party can fill in the insurance data through the channel of the current channel, thereby generating an order, or filling in the insurance data through the purchase page of the insurance system, wherein The filling of the insurance data in the current channel has been introduced in the first embodiment, and will not be described here; specifically, when the insurance data is filled in through the insurance system, first, after the user passes the smart underwriting, The user feeds back the information to the insurance system through the intelligent underwriting information, thereby controlling the insurance system to jump to the insurance purchase page; so that the user fills in the insurance data in the insurance system, and then detects whether the user inputs the insurance data, when the user is detected. When inputting the insurance data, the insurance data input by the user is sorted, and then the insurance data filled in by the user and the obtained premium are sent to the insurance system, so that the insurance system generates the insurance order, and the specific implementation process may also pass The insurance system detects itself whether the user inputs the vote Data, and then generates a line directly from the insurance insurance data input by the user, and the corresponding premium. Further, after the insurance system generates the order, it can detect whether the user completes the payment in real time, and after detecting that the user completes the payment, the information that the user completes the payment is fed back to the channel side through the data return, so that the channel side can perform sales statistics, further Further, the follow-up detection of each state of the order may be further performed, for example, detecting whether the user triggers the withdrawal of the order instruction, and the corresponding information is fed back to the channel side, so that the data may be returned by the data return; the payment fails; the payment is successful; Underwriting failure; underwriting success; withdrawal; deduction; surrender and other information feedback to the channel side. At the same time, the channel side can select the state that needs data backhaul, wherein the data can be returned through the interface, and the interface of the policy inquiry, deduction, underwriting, electronic policy download, underwriting, premium trial and the like can be an HTTP interface.

The present invention further provides an apparatus for purchasing insurance through a website docking, the apparatus comprising:

The obtaining module is configured to obtain the premium of the insurance product selected by the current user when the insurance product promotion order is detected on the insurance promotion page;

a sending module, configured to send information requesting to retrieve a user health information page to the insurance system;

An extraction module, configured to retrieve a user health status information page in the insurance system after obtaining the permission to retrieve the user health status information page, and extract the user's health status information in the user health status information page, and according to the user's Health status information is intelligently underwritten by the user;

After the user passes the smart underwriting, the insurance data filling page in the insurance system is extracted;

The insurance order module is generated. After receiving the insurance data filled in by the user, the insurance order is generated according to the insurance data filled in by the user and the obtained premium, so that the user can make the payment.

The specific embodiment of the device for purchasing insurance through the website and the method for purchasing insurance through the website is basically the same as the above embodiments, and details are not described herein.

The present invention further provides an apparatus for purchasing insurance through a website docking.

Referring to FIG. 5, FIG. 5 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present invention.

As shown in FIG. 5, the device for purchasing insurance through the website may include: a processor 1001, such as a CPU, a network interface 1002, a user interface 1003, and a memory 1004. Connection communication between these components can be achieved via a communication bus. The network interface 1002 may optionally include a standard wired interface (for connecting to a wired network), a wireless interface (such as a WI-FI interface, a Bluetooth interface, an infrared interface, etc. for connecting to a wireless network). The user interface 1003 can include a display, an input unit such as a keyboard, and the optional user interface 1003 can also include a standard wired interface (eg, for connecting a wired keyboard, a wired mouse, etc.) and/or a wireless interface (eg, Used to connect a wireless keyboard, wireless mouse). The memory 1004 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage. The memory 1004 can also optionally be a storage device independent of the aforementioned processor 1001.

Optionally, the device for purchasing insurance through the website docking may further include a camera, RF (Radio) Frequency, RF) circuits, sensors, audio circuits, WiFi modules, and more.

It will be understood by those skilled in the art that the device structure for docking purchase insurance through the website does not constitute a limitation on the device for purchasing insurance through the website, and may include more or less components than the illustration, or a combination of Some parts, or different parts are arranged.

As shown in FIG. 5, a memory 1004 as a computer storage medium may include an operating system, a network communication module, a user interface module, and a program for purchasing insurance through a website docking. The operating system is a program for managing and controlling equipment hardware and software resources for purchasing insurance through a website, supporting a network communication module, a user interface module, a program for purchasing insurance through a website, and other programs or software operations; The management and control network interface 1002 is used to manage and control the user interface 1003.

In the device for purchasing insurance through the website, the network interface 1002 is mainly used for connecting to a database and performing data communication with the database; the user interface 1003 is mainly used for connecting a client (which can be understood as a client), and the client. Performing data communication, such as displaying the information to the client through the window, or receiving the operation information sent by the client; and the processor 1001 may be configured to execute the program for purchasing the insurance through the website and stored in the memory 1004, so as to implement the above-mentioned purchase through the website. Method of Insurance The steps of various embodiments.

The present invention also 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 above-described website The steps of the various embodiments of the method of purchasing insurance.

It is also to be understood that the term "comprises", "comprising", or any other variants thereof is intended to encompass a non-exclusive inclusion, such that a process, method, article, or device that comprises a And includes other elements not explicitly listed, or elements that are inherent to such a process, method, article, or device. An element that is defined by the phrase "comprising a ..." does not exclude the presence of additional equivalent elements in the process, method, item, or device that comprises the element.

Through the description of the above embodiments, those skilled in the art can clearly understand that the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better. Implementation. Based on such understanding, the technical solution of the present invention, which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM, disk, The optical disc includes a number of instructions for causing a terminal device (which may be a cell phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods of various embodiments of the present invention.

The above are only the preferred embodiments of the present invention, and are not intended to limit the scope of the invention, and the equivalent structure or equivalent process transformations made by the description of the present invention and the drawings are directly or indirectly applied to other related technical fields. The same is included in the scope of patent protection of the present invention.

Claims (20)

1.  A method for purchasing insurance through a website docking, characterized in that the method comprises the following steps:

   When the purchase insurance product instruction is detected on the insurance promotion page, the premium of the insurance product selected by the current user is obtained;

   Sending information requesting to retrieve the user's health status information page to the insurance system;

   After obtaining the permission to retrieve the user health information page, the user health information page in the insurance system is retrieved, the user's health status information is extracted from the user health status information page, and the user is authenticated according to the user's health status information. Carry out smart underwriting;

   After the user passes the smart underwriting, the insurance data filling page in the insurance system is extracted;

   After receiving the insurance data filled in by the user, the insurance order is generated according to the insurance data filled in by the user and the obtained premium, so that the user can make the payment.
2. The method for purchasing insurance by means of a website according to claim 1, wherein the step of obtaining the premium of the insurance product selected by the current user comprises:

   Obtaining the premium of the insurance product clicked by the current user from the insurance system through the interface;

   Or obtain the calculation rule of the premium from the insurance system through the interface, and calculate the premium of the insurance product that the current user clicks according to the obtained calculation rule.
3. The method for purchasing insurance through a website according to claim 1, wherein after receiving the insurance data filled in by the user, the insurance order is generated according to the insurance data filled in by the user and the obtained premium, so that the user can make a payment. The steps include:

   After receiving the insurance data filled in by the user, the corresponding insurance order is generated according to the insurance data filled in by the user, the obtained premium and the charging plan of the current insurance promotion page; Or, take out the insurance order provided by the insurance system so that the user can make the payment.
4. The method for purchasing insurance through a website according to claim 1, wherein the step of generating an insurance order based on the insurance data filled in by the user and the obtained premium includes:

   The receiving insurance system changes the status of the order through the data feedback feedback, and performs sales data statistics according to the specific status of the order.
5. The method for purchasing insurance by means of a website according to claim 1, wherein the step of obtaining the premium of the insurance product clicked by the current user and displaying the obtained premium includes:

   Obtain the premium of the insurance product that the current user clicks through the interface, and display the obtained premium on the insurance promotion page;

   Or, according to the purchase insurance product instruction, the page jumps, the docking jumps to the insurance system, controls the insurance system to obtain the premium of the insurance product clicked by the current user, and displays the obtained premium.
6. The method for purchasing insurance through a website according to claim 1, wherein the step of displaying the obtained premium includes:

   The insurance system is controlled according to the purchase insurance product instruction to extract the health status information filled in by the user, and the user is intelligently underwritten according to the health status information of the user.
7. The method for purchasing insurance by means of a website according to claim 1, wherein the step of intelligently underwriting the user according to the health status information of the user further comprises:

   After the user passes the smart underwriting, the insurance system is controlled to jump to the insurance purchase page;

   After receiving the insurance data filled in by the user, the insurance data filled in by the user and the obtained premium are sent to the insurance system for the insurance system to generate the insurance order.
8. A device for purchasing insurance through a website docking, characterized in that the device comprises:

   The obtaining module is configured to obtain the premium of the insurance product selected by the current user when the insurance product promotion order is detected on the insurance promotion page;

   a sending module, configured to send information requesting to retrieve a user health information page to the insurance system;

   An extraction module, configured to retrieve a user health status information page in the insurance system after obtaining the permission to retrieve the user health status information page, and extract the user's health status information in the user health status information page, and according to the user's Health status information is intelligently underwritten by the user;

   After the user passes the smart underwriting, the insurance data filling page in the insurance system is extracted;

   The insurance order module is generated. After receiving the insurance data filled in by the user, the insurance order is generated according to the insurance data filled in by the user and the obtained premium, so that the user can make the payment.
9. A device for purchasing insurance through a website, wherein the device for purchasing insurance through a website includes a program for purchasing insurance through a website, and the program for purchasing insurance through the website is purchased by the website to purchase insurance. The next step is implemented when the device is executed:

   When the purchase insurance product instruction is detected on the insurance promotion page, the premium of the insurance product selected by the current user is obtained;

   Sending information requesting to retrieve the user's health status information page to the insurance system;

   After obtaining the permission to retrieve the user health information page, the user health information page in the insurance system is retrieved, the user's health status information is extracted from the user health status information page, and the user is authenticated according to the user's health status information. Carry out smart underwriting;

   After the user passes the smart underwriting, the insurance data filling page in the insurance system is extracted;

   After receiving the insurance data filled in by the user, the insurance order is generated according to the insurance data filled in by the user and the obtained premium, so that the user can make the payment.
10. The device for purchasing insurance through a website docking according to claim 9, wherein the program for purchasing insurance through the website is performed by the device that purchases insurance through the website, and further implements the following steps:

    Obtaining the premium of the insurance product clicked by the current user from the insurance system through the interface;

    Or obtain the calculation rule of the premium from the insurance system through the interface, and calculate the premium of the insurance product that the current user clicks according to the obtained calculation rule.
11. The device for purchasing insurance through a website docking according to claim 9, wherein the program for purchasing insurance through the website is performed by the device that purchases insurance through the website, and further implements the following steps:

    After receiving the insurance data filled in by the user, the corresponding insurance order is generated according to the insurance data filled in by the user, the obtained premium and the charging plan of the current insurance promotion page; or the insurance order provided by the insurance system is extracted, so that the user can make the payment. .
12. The device for purchasing insurance through a website docking according to claim 9, wherein the program for purchasing insurance through the website is performed by the device that purchases insurance through the website, and further implements the following steps:

    The receiving insurance system changes the status of the order through the data feedback feedback, and performs sales data statistics according to the specific status of the order.
13. The device for purchasing insurance through a website docking according to claim 9, wherein the program for purchasing insurance through the website is performed by the device that purchases insurance through the website, and further implements the following steps:

    Obtain the premium of the insurance product that the current user clicks through the interface, and display the obtained premium on the insurance promotion page;

    Or, according to the purchase insurance product instruction, the page jumps, the docking jumps to the insurance system, controls the insurance system to obtain the premium of the insurance product clicked by the current user, and displays the obtained premium.
14. The device for purchasing insurance through a website docking according to claim 9, wherein the program for purchasing insurance through the website is performed by the device that purchases insurance through the website, and further implements the following steps:

    The insurance system is controlled according to the purchase insurance product instruction to extract the health status information filled in by the user, and the user is intelligently underwritten according to the health status information of the user.
15. The device for purchasing insurance through a website docking according to claim 9, wherein the program for purchasing insurance through the website is performed by the device that purchases insurance through the website, and further implements the following steps:

    After the user passes the smart underwriting, the insurance system is controlled to jump to the insurance purchase page;

    After receiving the insurance data filled in by the user, the insurance data filled in by the user and the obtained premium are sent to the insurance system for the insurance system to generate the insurance order.
16. A computer readable storage medium, wherein the computer readable storage medium stores a program for purchasing insurance through a website, and the program for purchasing insurance through the website is executed by the processor to implement the following steps:

    When the purchase insurance product instruction is detected on the insurance promotion page, the premium of the insurance product selected by the current user is obtained;

    Sending information requesting to retrieve the user's health status information page to the insurance system;

    After obtaining the permission to retrieve the user health information page, the user health information page in the insurance system is retrieved, the user's health status information is extracted from the user health status information page, and the user is authenticated according to the user's health status information. Carry out smart underwriting;

    After the user passes the smart underwriting, the insurance data filling page in the insurance system is extracted;

    After receiving the insurance data filled in by the user, the insurance order is generated according to the insurance data filled in by the user and the obtained premium, so that the user can make the payment.
17. The computer readable storage medium according to claim 16, wherein when said program for purchasing insurance through a website is executed by a processor, the following steps are further implemented:

    Obtaining the premium of the insurance product clicked by the current user from the insurance system through the interface;

    Or obtain the calculation rule of the premium from the insurance system through the interface, and calculate the premium of the insurance product that the current user clicks according to the obtained calculation rule.
18. The computer readable storage medium according to claim 16, wherein when said program for purchasing insurance through a website is executed by a processor, the following steps are further implemented:

    After receiving the insurance data filled in by the user, the corresponding insurance order is generated according to the insurance data filled in by the user, the obtained premium and the charging plan of the current insurance promotion page;

    Or, take out the insurance order provided by the insurance system so that the user can make the payment.
19. The computer readable storage medium according to claim 16, wherein when said program for purchasing insurance through a website is executed by a processor, the following steps are further implemented:

    The receiving insurance system changes the status of the order through the data feedback feedback, and performs sales data statistics according to the specific status of the order.
20. The computer readable storage medium according to claim 16, wherein when said program for purchasing insurance through a website is executed by a processor, the following steps are further implemented:

    Obtain the premium of the insurance product that the current user clicks through the interface, and display the obtained premium on the insurance promotion page;

    Or, according to the purchase insurance product instruction, the page jumps, the docking jumps to the insurance system, controls the insurance system to obtain the premium of the insurance product clicked by the current user, and displays the obtained premium.