WO2019119636A1 - 基于保险业务的财务缴费方法、装置及设备 - Google Patents

基于保险业务的财务缴费方法、装置及设备 Download PDF

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Publication number
WO2019119636A1
WO2019119636A1 PCT/CN2018/076201 CN2018076201W WO2019119636A1 WO 2019119636 A1 WO2019119636 A1 WO 2019119636A1 CN 2018076201 W CN2018076201 W CN 2018076201W WO 2019119636 A1 WO2019119636 A1 WO 2019119636A1
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Prior art keywords
financial
information
payment
amount
insurance
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PCT/CN2018/076201
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English (en)
French (fr)
Inventor
于蕊
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Ping An Technology Shenzhen Co Ltd
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Ping An Technology Shenzhen Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q40/12—Accounting
    • G06Q40/125—Finance or payroll

Definitions

  • the present application relates to the field of insurance technology, and in particular, to a method, device and device for financial payment based on insurance business.
  • Insurance means that the insured pays the insurance premium to the insurer according to the contract.
  • the insurer shall be liable for the loss of property caused by the accident caused by the contract, or the insured shall be dead, disabled or sick. Or the commercial insurance behavior of paying the insurance liability when the conditions such as the age and time limit agreed upon in the contract are met.
  • relevant automation processing software can be developed, and the software can be used for corresponding processing, and performance testing is required after the software development.
  • the financial payment process is a necessary process step in the process of testing the above-mentioned automated processing software for each process stage, such as insurance policy underwriting, security change, insurance claims, medical services, and the like.
  • the traditional mode of completing the financial payment step requires manual completion of the payment in the financial related table according to the payment amount. This manual method will take a certain amount of time, affecting the test efficiency and waste unnecessary labor costs.
  • the present application provides a financial payment method, device and device based on insurance business, the main purpose of which is to solve the current traditional mode, which takes a certain time to complete the financial payment step, affects the testing efficiency of the automated processing software, and The problem of wasting unnecessary labor costs.
  • a financial payment method based on an insurance service comprising:
  • the financial payment process of the to-be-paid insurance business in the process stage is implemented according to the obtained insurance business information and the financial statement.
  • a financial payment device based on an insurance service comprising:
  • the obtaining unit is configured to obtain, when receiving the financial payment instruction, the policy identifier corresponding to the input toll payment insurance service;
  • a query unit configured to query, according to the policy identifier acquired by the acquiring unit, a service line where the to-be-paid insurance service is currently located, and a current process stage in the service line;
  • the obtaining unit is further configured to acquire related insurance business information according to the service line and the process stage that are queried by the query unit, and correspondingly need to insert a financial amount financial statement;
  • the payment unit is configured to implement the financial payment process of the to-be-paid insurance business in the process stage according to the insurance business information and the financial statement obtained by the obtaining unit.
  • a storage medium having stored thereon a computer program, the program being executed by a processor to implement the above-described insurance-based financial payment method.
  • a financial payment device based on an insurance service comprising a storage medium, a processor, and a computer program stored on the storage medium and operable on the processor, the processor executing the program
  • the method, device and device for financial payment based on insurance business provided by the present application are compared with the current traditional mode for completing the financial payment step, and the present application is in the process of testing the insurance processing related automatic processing software.
  • the insurance business needs financial payment in a process stage, it can obtain relevant insurance business information and corresponding financial needs to insert financial amount according to the current business line of the insurance business and the current process stage of the business line.
  • the table then automatically realizes the financial payment process of the insurance business at this stage of the process according to the obtained insurance business information and financial statement, thereby realizing the automatic financial payment of the insurance business at each stage of the process, saving the cost of the financial payment process.
  • the time has improved the efficiency of financial payment, eliminating the need to manually fill out financial related tables, saving labor costs, and improving the testing efficiency of automated processing software related to insurance business.
  • FIG. 1 is a schematic flow chart of a financial payment method based on insurance business provided by an embodiment of the present application
  • FIG. 2 is a schematic structural diagram of a financial payment device based on an insurance service provided by an embodiment of the present application
  • FIG. 3 is a schematic structural diagram of another financial payment device based on insurance business provided by an embodiment of the present application.
  • the embodiment of the present application provides a financial payment method based on an insurance service, which can improve the efficiency of the financial payment process, and can improve the testing efficiency of the automated processing software related to the insurance business.
  • the method includes:
  • the policy identification may be a policy barcode, a policy QR code, a policy name, a policy ID, etc., for distinguishing different policy data.
  • the financial payment instruction can be input by the system when the insurance business needs to pay the fee; in the test process of the insurance business related automatic processing software, the insurance business can input every time a financial stage is required for the insurance business; The actual payment of the business is actively input.
  • the system or the user may perform a one-click automatic financial payment for the toll payment insurance service by inputting the corresponding insurance policy corresponding to the insurance policy and inputting the corresponding financial payment instruction, and the embodiment of the present application is implemented.
  • the executing entity may be a device for automatic financial payment for the insurance business. After receiving the financial payment instruction, the device may query the policy identification corresponding to the input toll payment insurance service, and then perform corresponding operations based on the policy identification to complete the financial operation.
  • the payment process may specifically perform the processes described in steps 102 to 104.
  • the service line can be a contract line, a security, a claim, a medical service, etc., which can be determined according to the actual insurance business process requirements. Accordingly, the process stages included in each service line also correspond to the business requirements of the respective service lines.
  • the process stage on the contract business line may include undertaking a new order, initial review entry, scan upload, entry review, underwriting, contract insurance, etc.
  • the process stage in the preservation business line may include security acceptance, initial review entry , security processing (change or modification), maturity payment, etc.
  • the process stage of the claims business line may include claims processing, bill entry, policy check, adjustment of claims amount, claims payment, etc.
  • the real-time processing status of different insurance services in the process phase of different service lines can be recorded, that is, which process stage the insurance service is processed on; and the financial payment is required for the insurance service. From the recorded content, the service line currently in the toll payment insurance service corresponding to the entered policy identification and the current process stage on the service line can be tracked.
  • the insurance business information that needs to be queried is different. For example, if the service line that is queried is a contract business, and the current process stage on the service line is the contract insurance stage, the corresponding insurance policy information needs to be queried as the relevant insurance business information; If the line is the security business and the current process stage of the service line is the security change phase, the corresponding security project information needs to be queried as related business information; if the queried service line is the claims business, and The current process stage of the service line is the claim waiting for the compensation stage, and the corresponding claim amount information needs to be queried as the relevant business information; if the queried service line is the hospital service business, and the current service line is currently At the stage of the medical service in the hospital, the corresponding medical service cost information needs to be queried as relevant business information.
  • the financial statement may include: a financial receipt form, a temporary receipt form, a receipt form, a transfer form, a financial expense split table, and the like.
  • the embodiment of the present application automatically implements the insurance service in the process of testing the insurance service related automatic processing software in the insurance business every time a financial process is required in a process stage.
  • the automatic financial payment of the insurance business at each stage of the process can be realized, the time spent on the financial payment process is saved, the financial payment efficiency is improved, and the financial related table is not required to be manually filled, thereby saving labor costs. And can improve the testing efficiency of the insurance business related automated processing software.
  • the step 104 may specifically include: obtaining related insurance business information. Obtain the financial amount that needs to be filled in the financial statement, and the name of the fee corresponding to the financial amount; fill in the corresponding payment details in the financial statement by filling the obtained financial amount and the corresponding expense name, and record the current The payment time and the payer information of the current process stage are paid to realize the financial payment process of the to-pay insurance business at this stage of the process.
  • the financial amount to be paid by the insurance policy and the name of the fee corresponding to the financial amount are obtained from the policy information, and the financial amount and the corresponding fee name are filled in the relevant financial receipt.
  • the table simulate the case where the financial payment has been completed in the contract insurance phase of the contract business; if it is required to obtain the payment or refund from the preservation project information, and fill in the financial amount of the payment and the name of the fee corresponding to the financial amount.
  • the relevant temporary receipt form simulate the case where the financial payment has been completed during the security change phase of the security service; if the claim payment or recovery is obtained from the claim amount information, and the financial amount of the recovered payment and The name of the fee corresponding to the financial amount is filled in the relevant transfer form, simulating the case where the financial payment is completed in the claims settlement business online claim settlement phase; and the payment amount of the medical service settlement payment is obtained from the medical service fee information.
  • the name of the fee corresponding to the payment amount, and fill in the amount of the payment and the corresponding fee name In a related financial costs to split the table, the simulation of service business online medical services phase has been completed financial contributions in the hospital.
  • the step of obtaining the financial amount to be filled in the financial statement from the obtained related insurance business information, and the fee name corresponding to the financial amount may include: detecting whether the current process stage is based on the obtained related insurance business information The financial payment process is required; if so, the amount reference standard and the corresponding cost reference name for each expense are obtained from the current payment standard of the current business line; and then the reference amount and corresponding amount of each expense obtained are referred to The cost reference name, determine the amount of the fee to be paid in connection with the insurance business information, and determine the name of the fee corresponding to the amount of the fee in combination with the fee reference name for which the fee is to be paid; if not, determine the to-be-paid fee corresponding to the policy identification Insurance business in the current process Financial contributions failure, and output appropriate message.
  • the prompt information may be for text prompt information, picture prompt information, audio prompt information, video prompt information, vibration prompt information, light prompt information, and the like.
  • the current process stage of the insurance business 1 is the process stage of the preliminary review entry of the contract business line, and the process stage does not need to make a financial payment, and the insurance business 1 can be determined to be financial in this process stage. If the payment fails, the corresponding text and voice prompt information can be output, so that the technician can understand the financial payment status of the insurance business 1 in the process stage.
  • the service payment standard obtains the reference standard and the corresponding cost reference name for each expense, such as the expert registration fee a yuan, the surgery fee b yuan, the surgical material fee c yuan, etc.; then refer to the amount of each fee for reference standards and corresponding The cost reference name determines the amount of the fee that needs to be paid in connection with the insurance business information.
  • the expert registration fee a yuan, the surgical fee b yuan, and the surgical material fee c yuan are added together to obtain the total amount of the fee to be paid;
  • the cost name of each expense is determined by the name, and the name of the fee corresponding to the amount of the fee is determined.
  • the name of the fee corresponding to the total amount of the fee is determined as the medical service fee.
  • the method may further include: according to different process stages of different service lines.
  • the content and the business scenario the statistics respectively correspond to the financial table in which the financial amount needs to be inserted; and then the table style information of the financial table obtained by the statistics is recorded; correspondingly, the step of obtaining the financial table corresponding to the financial amount to be inserted may include: the form style from the record In the information, the table style information of the financial table that needs to be inserted into the financial line corresponding to the queryed business line and process stage is obtained; finally, the financial form corresponding to the financial amount to be inserted is generated according to the obtained form style information.
  • the financial table that meets the requirements of the service line content and the business scenario that meets the query and is suitable for the relevant insurance service information can be accurately obtained, thereby ensuring the accuracy of the financial payment and avoiding misuse.
  • the financial statement of the business scenario needs to make financial contributions, so as to ensure the success rate of financial automation payment.
  • the corresponding form of the service line and the process stage to be inserted from the recorded form style information needs to be inserted.
  • the step of the form information information of the financial amount of the financial statement may include: detecting, in the form style information of the record, the form style information of the financial table corresponding to the current line of business and the current process stage that needs to be inserted into the financial amount; if present, Obtaining, from the recorded form style information, the form style information of the financial table that needs to be inserted into the financial amount corresponding to the current business line and the current process stage of the query; if not, obtaining and needing from the recorded form style information
  • the financial table form information of the same financial table type of the financial amount is inserted as the form style information of the financial table in which the financial amount needs to be inserted.
  • the financial table that needs to obtain the financial receipt category can be determined, and then the table style can be obtained from the record.
  • the form obtains the form style information of the financial statement that is also the financial receipt category, thereby generating a financial statement suitable for the relevant insurance business information.
  • the content to be implemented in the above steps may be a database-based data call.
  • the foregoing steps may be pre-developed at the storage process level of the database to implement the above-mentioned steps for financial automatic payment.
  • the financial payment automation system the financial payment automation system can provide the user with an input item corresponding to the policy identification of the toll payment insurance service, and the user can input the policy identification corresponding to the toll payment insurance service through the input item, thereby realizing the automation of the insurance business. Payment process.
  • the method may further include: recording the finance of different insurance businesses in the process phase of different business lines. Payment status; according to the recorded financial payment situation, if the business line or process stage of the financial payment problem is detected, the communication mode information of the relevant software maintenance module is queried; and the reason corresponding to the financial payment problem is inquired from the predetermined analysis database. Information and corresponding response information; according to the information of the communication method that is queried, the business line or process stage information of the financial payment problem will be sent, together with the existing financial payment problem, the reason information and the corresponding response information sent to the information Software maintenance module.
  • the predetermined analysis database stores the reason information corresponding to different financial payment problems and the corresponding response mode information, and the information may be summarized by the technical personnel according to the maintenance experience of the financial payment automation system in different abnormal situations, and may also be The device side is cumulatively obtained by means of machine learning;
  • the software maintenance module can be a unit module for maintaining the financial payment automation system according to the abnormal condition existing in the financial payment automation system, and the specific processing process can refer to the processing method in the prior art, This is not repeated here;
  • the communication method information can include the email address of the software maintenance module (Electronic) MAIL, E-mail) address, IP address, phone number, account number of instant messaging tool, etc.
  • the corresponding suspected reason and the corresponding solution may be queried from the predetermined analysis database, and then the information obtained by the query is pushed in real time.
  • the software maintenance module is processed to timely maintain the financial payment automation system with abnormal conditions, and find that the business line or process stage with financial payment problems is corrected to ensure the automatic operation of the financial payment.
  • the embodiment of the present application provides a financial payment device based on an insurance service.
  • the device includes: an obtaining unit 21, an inquiry unit 22, and a payment unit. twenty three.
  • the obtaining unit 21 may be configured to: when receiving the financial payment instruction, obtain the policy identifier corresponding to the input toll payment insurance service, and the obtaining unit 21 is the main function module for obtaining the corresponding policy identification of the toll payment insurance service in the device, and then triggering the query.
  • Unit 22 performs work;
  • the query unit 22 may be configured to query, according to the policy identifier acquired by the obtaining unit 21, the service line where the to-be-paid insurance service is currently located, and the current process stage of the service line, the query unit 22 is Query the main functional modules of the service line and process stage in the device;
  • the obtaining unit 21 may be further configured to obtain related insurance business information according to the service line and the process stage that are queried by the query unit 22, and a financial table that needs to insert a financial amount, and the obtaining unit 21 is also The device obtains relevant insurance business information that meets the requirements of the service line and the business scenario, and correspondingly needs to insert the financial function financial statement into the main function module. After obtaining the information, the payment unit 23 is triggered to work, and finally the financial automation payment is realized;
  • the payment unit 23 can be configured to implement the financial payment process of the to-be-paid insurance service in the process stage according to the insurance service information and the financial statement acquired by the obtaining unit 21.
  • the payment unit 23 may be specifically configured to obtain, from the insurance service information, a financial amount that needs to be filled in the financial statement, and a fee name corresponding to the financial amount; The financial amount and the fee name are filled in the corresponding payment detail position in the financial statement, and the payment time and the payer information in the process stage are recorded for payment, and the to-be-paid insurance business is implemented in the process.
  • the financial payment process of the stage may be specifically configured to obtain, from the insurance service information, a financial amount that needs to be filled in the financial statement, and a fee name corresponding to the financial amount;
  • the financial amount and the fee name are filled in the corresponding payment detail position in the financial statement, and the payment time and the payer information in the process stage are recorded for payment, and the to-be-paid insurance business is implemented in the process.
  • the financial payment process of the stage may be specifically configured to obtain, from the insurance service information, a financial amount that needs to be filled in the financial statement, and a fee name corresponding to the financial amount;
  • the payment unit 23 may be further configured to detect, according to the insurance service information, whether a financial payment process is required in the process stage; if yes, obtain a payment standard from the process stage of the service line.
  • the amount of the item fee refers to the standard and the corresponding fee reference name; with reference to the obtained amount reference standard for each item and the corresponding fee reference name, the amount of the fee to be paid related to the insurance business information is determined and combined Determining, by reference to the name, a fee name corresponding to the fee amount; if not, determining that the financial contribution of the to-pay insurance service corresponding to the policy identification in the process stage fails, and outputting The corresponding prompt information.
  • the device further includes: a recording unit 24 and a sending unit 25;
  • the recording unit 24 can be used to record the financial payment status of different insurance businesses in the process stages of different business lines;
  • the query unit 22 may be further configured to: according to the recorded financial payment situation, if the service line or process stage in which the financial payment problem exists is detected, query the communication mode information of the related software maintenance module; and query from the predetermined analysis database
  • the reason information corresponding to the financial payment problem and the corresponding response mode information the predetermined analysis database stores different cause information and corresponding coping style information corresponding to the financial payment problem;
  • the sending unit 25 may be configured to send, according to the communication mode information, the service line or process stage information that has a financial payment problem, together with the financial payment problem, the queried reason information, and the corresponding response mode information.
  • Software maintenance module may be configured to send, according to the communication mode information, the service line or process stage information that has a financial payment problem, together with the financial payment problem, the queried reason information, and the corresponding response mode information.
  • the device further includes: a statistical unit 26;
  • the statistic unit 26 can be configured to calculate a financial table corresponding to the financial amount to be inserted according to the content and the business scenario of different process stages of different service lines;
  • the recording unit 24 can also be configured to record statistically obtained table style information of the financial table
  • the obtaining unit 21 is configured to obtain, from the recorded form style information, form style information of the financial table that needs to be inserted into the financial amount corresponding to the queryed business line and the process stage; and then according to the obtained form style The information is generated in a financial table that requires the insertion of a financial amount.
  • the obtaining unit 21 may be specifically configured to detect whether the form style information of the record exists and is queried.
  • the service line and the process stage correspond to form style information of a financial table that needs to be inserted into a financial amount; if present, the form style information existing from the recorded form style information; if not, the recorded form
  • the table style information is obtained by the same financial table form information as the financial table category in which the financial amount needs to be inserted, as the form style information of the financial table in which the financial amount needs to be inserted.
  • the embodiment of the present application further provides a storage medium, where the computer program is stored, and when the program is executed by the processor, the insurance-based service shown in FIG. 1 is implemented. Financial payment method.
  • the embodiment of the present application further provides a physical device based on financial payment of an insurance service, the entity
  • the device includes a storage medium and a processor; the storage medium is for storing a computer program; and the processor is configured to execute the computer program to implement the insurance business-based financial payment method as shown in FIG. 1 above.
  • the insurance business in the test process of the automated processing software related to the insurance business, the insurance business can automatically realize the financial payment process of the insurance business at this stage of the process when it needs financial payment in one process stage, and then can Realize the automatic financial payment of insurance business at each stage of the process, save the time spent on the financial payment process, improve the efficiency of financial payment, eliminate the need to manually fill out financial related tables, save labor costs, and improve the automation of insurance business Software testing efficiency.
  • the present application can be implemented by hardware, or by software plus a necessary general hardware platform.
  • the technical solution of the present application may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (which may be a CD-ROM, a USB flash drive, a mobile hard disk, etc.), including several The instructions are for causing a computer device (which may be a personal computer, server, or network device, etc.) to perform the methods described in various implementation scenarios of the present application.
  • modules in the apparatus in the implementation scenario may be distributed in the apparatus for implementing the scenario according to the implementation scenario description, or may be correspondingly changed in one or more devices different from the implementation scenario.
  • the modules of the above implementation scenarios may be combined into one module, or may be further split into multiple sub-modules.

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Abstract

本申请公开了一种基于保险业务的财务缴费方法、装置及设备，涉及保险技术领域，可以提高财务缴费流程的效率，可以提高保险业务相关自动化处理软件的测试效率。所述方法包括：当接收到财务缴费指令时，获取输入的待缴费保险业务对应的保单标识；根据所述保单标识，查询所述待缴费保险业务当前所在的业务线，以及在所述业务线上当前所处的流程阶段；参照查询到的所述业务线和所述流程阶段，获取相关的保险业务信息，以及相应需要插入财务金额的财务表；根据获取到的所述保险业务信息和所述财务表，实现所述待缴费保险业务在所述流程阶段的财务缴费流程。本申请适用于保险业务的财务缴费。

Description

基于保险业务的财务缴费方法、装置及设备
本申请要求与2017年12月21日提交中国专利局、申请号为201711415211.1、发明名称为“基于保险业务的财务缴费方法、装置及设备”的中国专利申请的优先权，其全部内容通过引用结合在申请中。
技术领域
　　　本申请涉及保险技术领域，特别是涉及一种基于保险业务的财务缴费方法、装置及设备。
背景技术
　　　随着社会的发展，保险的重要性越来越明显。保险是指投保人根据合同约定，向保险人支付保险费，保险人对于合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金责任，或者被保险人死亡、伤残、疾病或者达到合同约定的年龄、期限等条件时承担给付保险金责任的商业保险行为。为了加快对保险业务各个流程阶段的处理进度，可以开发相关的自动化处理软件，利用该软件进行相应的处理，在软件开发后需要对其进行性能测试。
　　　目前，在对上述自动化处理软件进行测试每个流程阶段的处理性能时，如保险保单承保、保全变更、保险理赔、医疗服务等过程中，财务缴费流程是一个必要的流程步骤。然而，传统模式完成财务缴费步骤需要人工按照缴费金额填写财务相关的表中实现缴费，这种人工方式会耗费一定的时间，影响了测试效率，并且会浪费不必要的人力成本。
发明内容
　　　有鉴于此，本申请提供了一种基于保险业务的财务缴费方法、装置及设备，主要目的在于解决目前传统模式完成财务缴费步骤会耗费一定的时间，影响了自动化处理软件的测试效率，并且会浪费不必要的人力成本的问题。
　　　依据本申请一个方面，提供了一种基于保险业务的财务缴费方法，该方法包括：
　　　当接收到财务缴费指令时，获取输入的待缴费保险业务对应的保单标识；
　　　根据所述保单标识，查询所述待缴费保险业务当前所在的业务线，以及在所述业务线上当前所处的流程阶段；
　　　参照查询到的所述业务线和所述流程阶段，获取相关的保险业务信息，以及相应需要插入财务金额的财务表；
　　　根据获取到的所述保险业务信息和所述财务表，实现所述待缴费保险业务在所述流程阶段的财务缴费流程。
　　　依据本申请另一个方面，提供了一种基于保险业务的财务缴费装置，该装置包括：
　　　获取单元，用于当接收到财务缴费指令时，获取输入的待缴费保险业务对应的保单标识；
　　　查询单元，用于根据所述获取单元获取的保单标识，查询所述待缴费保险业务当前所在的业务线，以及在所述业务线上当前所处的流程阶段；
　　　所述获取单元，还用于依照所述查询单元查询到的所述业务线和所述流程阶段，获取相关的保险业务信息，以及相应需要插入财务金额的财务表；
　　　缴费单元，用于根据所述获取单元获取到的所述保险业务信息和所述财务表，实现所述待缴费保险业务在所述流程阶段的财务缴费流程。
　　　依据本申请又一个方面，提供了一种存储介质，其上存储有计算机程序，所述程序被处理器执行时实现上述基于保险业务的财务缴费方法。
　　　依据本申请再一个方面，提供了一种基于保险业务的财务缴费设备，包括存储介质、处理器及存储在存储介质上并可在处理器上运行的计算机程序，所述处理器执行所述程序时实现上述基于保险业务的财务缴费方法。
　　　借由上述技术方案，本申请提供的一种基于保险业务的财务缴费方法、装置及设备，与目前传统模式完成财务缴费步骤方式相比，本申请在进行保险业务相关自动化处理软件的测试过程中，保险业务每在一个流程阶段需要财务缴费时，可以根据该保险业务当前所在的业务线以及在该业务线上当前所处的流程阶段，获取相关的保险业务信息和相应需要插入财务金额的财务表，然后根据获取到的保险业务信息和财务表，自动实现该保险业务在此流程阶段的财务缴费流程，进而可以实现保险业务在每个流程阶段的自动财务缴费，节省了财务缴费流程所耗费的时间，提高了财务缴费效率，无需人工填写财务相关的表，节约了人力成本，并且可以提高保险业务相关自动化处理软件的测试效率。
　　　上述说明仅是本申请技术方案的概述，为了能够更清楚了解本申请的技术手段，而可依照说明书的内容予以实施，并且为了让本申请的上述和其它目的、特征和优点能够更明显易懂，以下特举本申请的具体实施方式。
附图说明
　　　通过阅读下文优选实施方式的详细描述，各种其他的优点和益处对于本领域普通技术人员将变得清楚明了。附图仅用于示出优选实施方式的目的，而并不认为是对本申请的限制。而且在整个附图中，用相同的参考符号表示相同的部件。在附图中：
　　　图1示出了本申请实施例提供的一种基于保险业务的财务缴费方法流程示意图；
　　　图2示出了本申请实施例提供的一种基于保险业务的财务缴费装置的结构示意图；
　　　图3示出了本申请实施例提供的另一种基于保险业务的财务缴费装置的结构示意图。
具体实施方式
　　　下面将参照附图更详细地描述本公开的示例性实施例。虽然附图中显示了本公开的示例性实施例，然而应当理解，可以以各种形式实现本公开而不应被这里阐述的实施例所限制。相反，提供这些实施例是为了能够更透彻地理解本公开，并且能够将本公开的范围完整的传达给本领域的技术人员。
　　　本申请实施例提供了一种基于保险业务的财务缴费方法，可以提高财务缴费流程的效率，可以提高保险业务相关自动化处理软件的测试效率，如图1所示，该方法包括：
　　　101、当接收到财务缴费指令时，获取输入的待缴费保险业务对应的保单标识。
　　　其中，保单标识可以为保单条形码、保单二维码、保单名称、保单ID等，用于区别不同的保单数据。财务缴费指令可以由系统监测出保险业务需要缴费时输入；还可以在进行保险业务相关自动化处理软件的测试过程中，保险业务每在一个流程阶段需要财务缴费时进行输入；也可以由用户根据保险业务的缴费实际情况主动输入等。
　　　在本申请实施例中，系统或用户可以通过输入待缴费保险业务对应保单标识，并输入相应财务缴费指令的方式，实现对该待缴费保险业务进行一键自动财务缴费，而对于本申请实施例的执行主体可以为用于保险业务进行自动财务缴费的装置，该装置在接收到财务缴费指令后，可以查询输入的待缴费保险业务对应的保单标识，然后基于该保单标识执行相应操作，完成财务缴费过程，具体可以执行步骤102至104所述的过程。
　　　102、根据获取到的保单标识，查询待缴费保险业务当前所在的业务线，以及在业务线上当前所处的流程阶段。
　　　其中，业务线可以为契约，保全，理赔，医疗服务等业务线，具体可以根据实际保险业务流程需求而定，相应的，每条业务线上包含的流程阶段也跟各自对应业务线的业务需求而定；例如，在契约业务线上的流程阶段可以包括承接新单、初审录入、扫描上传、录入复核、核保、契约投保等；在保全业务线上的流程阶段可以包括保全受理、初审录入、保全处理（变更或修改）、满期给付等；在理赔业务线上的流程阶段可以包括理赔受理、账单录入、保单核对、理算理赔金额、理赔支付等。
　　　在本申请的实施例中，可以记录在不同业务线上流程阶段的不同保险业务的实时处理状态，即保险业务都在哪个业务线上的哪个流程阶段进行处理；在需要对保险业务进行财务缴费时，可以从记录的这些内容中，追踪与输入的保单标识相应的待缴费保险业务当前所在的业务线，以及在该业务线上当前所处的流程阶段。
　　　103、参照查询到的业务线和流程阶段，获取相关的保险业务信息，以及相应需要插入财务金额的财务表。
　　　其中，对于每条业务线、每个流程阶段，需要查询的保险业务信息不同。例如，若查询到的业务线为契约业务、且在该业务线上当前所处的流程阶段为契约投保阶段，则需要查询相应的投保单信息，作为相关的保险业务信息；若查询到的业务线为保全业务、且在该业务线上当前所处的流程阶段为保全变更阶段，则需要查询相应的保全项目信息，作为相关的业务信息；若查询到的业务线为理赔业务、且在该业务线上当前所处的流程阶段为理赔等待核赔阶段，则需要查询相应的理赔金额信息，作为相关的业务信息；若查询到的业务线为医院服务业务、且在该业务线上当前所处的流程阶段为在医院进行医疗服务阶段，则需要查询相应的医疗服务费用信息，作为相关的业务信息。
　　　根据查询到的当前业务线，及当前流程阶段相应的业务场景，确定需要插入财务金额数据的财务表。例如，财务表可以包括：财务收据表、暂收表、实收表、转账表、财务费用拆分表等。
　　　104、根据获取到的保险业务信息和财务表，实现待缴费保险业务在当前所处流程阶段的财务缴费流程。
　　　对于本申请实施例，根据获取到的保险业务信息和财务表，模拟该待缴费保险业务在当前所处流程阶段的财务缴费过程，进而实现该保险业务在当前所处流程阶段的财务缴费流程，与目前传统模式完成财务缴费步骤方式相比，本申请实施例在进行保险业务相关自动化处理软件的测试过程中，保险业务每在一个流程阶段需要财务缴费时，可以自动实现该保险业务在此流程阶段的财务缴费流程，进而可以实现保险业务在每个流程阶段的自动财务缴费，节省了财务缴费流程所耗费的时间，提高了财务缴费效率，无需人工填写财务相关的表，节约了人力成本，并且可以提高保险业务相关自动化处理软件的测试效率。
　　　进一步的，作为上述实施例具体实施方式的细化和扩展，为了说明步骤104的具体实施过程，在本申请的一个可选实施例中，步骤104具体可以包括：从获取到的相关保险业务信息中获取需要在财务表中填写的财务金额，和与该财务金额对应的费用名称；通过将获取到的财务金额和相应的费用名称填写在该财务表中的对应缴费明细位置处，并记录当前缴费时间和当前流程阶段的缴费人信息进行缴费，实现待缴费保险业务在此流程阶段的财务缴费流程。
　　　例如，基于上述步骤103中的实例，从投保单信息中获取投保单保障需要缴纳的财务金额和与该财务金额对应的费用名称，并将该财务金额和相应的费用名称填写在相关的财务收据表中，模拟在契约业务线上契约投保阶段已完成财务缴费的情况；再如从保全项目信息中获取需要缴费还是退费，并将缴费的财务金额和与该财务金额对应的费用名称填写在相关的暂收表中，模拟在保全业务线上保全变更阶段已完成财务缴费的情况；再如从理赔金额信息中获取理赔应付款或追讨款，并将追讨款的财务金额和与该财务金额对应的费用名称填写在相关的转账表中，模拟在理赔业务线上理赔等待核赔阶段已完成财务缴费的情况；再如从医疗服务费用信息中获取医疗服务结算款的缴费金额和与该缴费金额对应的费用名称，并将该缴费金额和相应的费用名称填写在相关的财务费用拆分表中，模拟在医院服务业务线上医疗服务阶段已完成财务缴费的情况。
　　　为了准确获取得到需要在财务表中填写的财务金额，和与该财务金额对应的费用名称，减少无必要的财务缴费处理，加快保险业务相关自动化处理软件的测试效率，在本可选实施例中，从获取到的相关保险业务信息中获取需要在财务表中填写的财务金额，和与该财务金额对应的费用名称的步骤可以包括：根据获取到的相关保险业务信息，检测在当前流程阶段是否需要进行财务缴费流程；若是，则从当前业务线上当前流程阶段的缴费标准中获取每项费用的金额参考标准和相应的费用参考名称；然后参照获取到的每项费用的金额参考标准和相应的费用参考名称，确定与保险业务信息相关的需要缴纳的费用金额，并结合需要缴纳费用的费用参考名称，确定与该费用金额对应的费用名称；若否，则确定与保单标识对应的待缴费保险业务在当前流程阶段的财务缴费失败，并输出相应的提示信息。
　　　其中，提示信息可以为了文字提示信息、图片提示信息、音频提示信息、视频提示信息、振动提示信息、灯光提示信息等。例如，根据获取到的相关保险业务信息，确定保险业务1当前所处的流程阶段是契约业务线上初审录入的流程阶段，该流程阶段无需进行财务缴费，可以确定保险业务1在此流程阶段财务缴费失败，可以输出相应的文字和语音提示信息，以便技术人员可以了解保险业务1在流程阶段的财务缴费状况。
　　　再例如，根据获取到的相关保险业务信息，确定保险业务2当前所处的流程阶段是医院服务业务线上的医疗服务阶段，该流程阶段需要缴纳医疗服务费用，即需要进行财务缴费，从医疗服务缴费标准中获取每项费用的金额参考标准和相应的费用参考名称，如专家挂号费a元、手术费b元、手术材料费c元等；然后参照每项费用的金额参考标准和相应的费用参考名称，确定与保险业务信息相关的需要缴纳的费用金额，如将专家挂号费a元、手术费b元、手术材料费c元等进行相加得到需要缴纳的费用总金额；结合需要缴纳每项费用的费用参考名称，确定与该费用金额对应的费用名称，如结合专家挂号费、手术费、手术材料费等医疗服务名称，确定与费用总金额对应的费用名称为医疗服务费。
　　　进一步的，为了便于根据获取到的相关保险业务信息，获取得到合适的财务表，在本申请的一个可选实施例中，在步骤103之前，还可以包括：根据不同业务线的不同流程阶段的内容和业务场景，统计分别对应需要插入财务金额的财务表；然后记录统计得到的财务表的表格样式信息；相应的，获取相应需要插入财务金额的财务表的步骤可以包括：从记录的表格样式信息中获取与查询到的业务线和流程阶段对应需要插入财务金额的财务表的表格样式信息；最后根据获取到的表格样式信息生成相应需要插入财务金额的财务表。
　　　对于本实施例，通过上述方式可以准确获取得到符合查询到的业务线内容和业务场景需求的、且与相关保险业务信息适合的财务表，进而可以保证财务缴费的准确性，避免错用不符合业务场景需求的财务表进行财务缴费，从而可以保证财务自动化缴费的成功率。
　　　对于一些没有统计到的表格样式信息情况，为了也能准确获取得到适合的财务表，在本可选实施例中，从记录的表格样式信息中获取与查询到的业务线和流程阶段对应需要插入财务金额的财务表的表格样式信息的步骤可以包括：检测记录的表格样式信息中是否存在与查询到的当前业务线和当前流程阶段对应需要插入财务金额的财务表的表格样式信息；若存在，则从记录的表格样式信息中获取存在的与查询到的当前业务线和当前流程阶段对应需要插入财务金额的财务表的表格样式信息；若不存在，则从记录的表格样式信息中获取与需要插入财务金额的财务表类别相同的财务表表格样式信息，作为需要插入财务金额的财务表的表格样式信息。
　　　例如，记录的表格样式信息中不存在符合查到的当前业务线内容和业务场景需求的财务表，但是根据此业务场景需求可以确定需要获取财务收据类别的财务表，那么可以从记录的表格样式信息中获取同为财务收据类别的财务表的表格样式信息，以此生成与相关保险业务信息适合的财务表。
　　　上述各步骤所要实现的内容可以为基于数据库的数据调用，为了实现上述各步骤的具体实施过程，在本实施例中，可以在数据库的存储过程层面上预先开发可以实现上述各步骤进行财务自动缴费的财务缴费自动化系统，该财务缴费自动化系统可以向用户提供待缴费保险业务对应保单标识的可输入项，用户可以通过该输入项输入待缴费保险业务对应的保单标识，进而实现该保险业务的自动化缴费流程。
　　　进一步的，为了提醒技术人员对上述财务缴费自动化系统出现异常状况时及时进行维护处理，在本申请的一个可选实施例中，还可以包括：记录不同保险业务在不同业务线上流程阶段的财务缴费情况；根据记录的财务缴费情况，若检测出存在财务缴费问题的业务线或流程阶段，则查询相关软件维护模块的通信方式信息；及从预定分析数据库中查询与该财务缴费问题对应的原因信息和相应的应对方式信息；根据查询到的通信方式信息，将出现财务缴费问题的业务线或流程阶段信息，连同存在的财务缴费问题、查询到的其原因信息和相应的应对方式信息发送给软件维护模块。
　　　其中，预定分析数据库中保存有不同的财务缴费问题分别对应的原因信息和相应的应对方式信息，这些信息可以由技术人员根据财务缴费自动化系统出现不同异常状况时的维护经验总结得到，还可以由装置侧通过机器学习的方式累计得到；软件维护模块可以为根据财务缴费自动化系统存在的异常状况，对财务缴费自动化系统进行维护的单元模块，具体处理过程可以参见现有技术中的处理方式，在此不再赘述；通信方式信息可以包含软件维护模块的电子邮箱（Electronic MAIL，E-mail）地址、IP地址、电话号码、即时通信工具的账号等。
　　　在本实施例中，在确定财务缴费自动化系统在执行自动化财务缴费时存在异常状况之后，可以从预定分析数据库中查询对应的疑似原因以及相应解决措施，然后将这些查询到的信息一并实时推送给软件维护模块进行处理，以便及时对存在异常状况的财务缴费自动化系统进行维护处理，发现存在财务缴费问题的业务线或流程阶段进行更正，保证财务缴费自动化良好运转。
　　　进一步的，作为图1所述方法的具体实现，本申请实施例提供了一种基于保险业务的财务缴费装置，如图2所示，所述装置包括：获取单元21、查询单元22、缴费单元23。
　　　获取单元21，可以用于当接收到财务缴费指令时，获取输入的待缴费保险业务对应的保单标识，获取单元21为本装置中获取待缴费保险业务对应保单标识的主要功能模块，然后触发查询单元22进行工作；
　　　查询单元22，可以用于根据所述获取单元21获取的保单标识，查询所述待缴费保险业务当前所在的业务线，以及在所述业务线上当前所处的流程阶段，查询单元22为本装置中查询业务线及流程阶段的主要功能模块；
　　　所述获取单元21，还可以用于依照所述查询单元22查询到的所述业务线和所述流程阶段，获取相关的保险业务信息，以及相应需要插入财务金额的财务表，获取单元21也是本装置中获取符合业务线和业务场景需求的相关保险业务信息、相应需要插入财务金额财务表的主要功能模块，在获取得到这些信息后，触发缴费单元23进行工作，最终实现财务自动化缴费；
　　　缴费单元23，可以用于根据所述获取单元21获取到的所述保险业务信息和所述财务表，实现所述待缴费保险业务在所述流程阶段的财务缴费流程。
　　　在具体的应用场景中，所述缴费单元23，具体可以用于从所述保险业务信息中获取需要在所述财务表中填写的财务金额，和与所述财务金额对应的费用名称；通过将所述财务金额和所述费用名称填写在所述财务表中的对应缴费明细位置处，并记录缴费时间和所述流程阶段的缴费人信息进行缴费，实现所述待缴费保险业务在所述流程阶段的财务缴费流程。
　　　在具体的应用场景中，为了准确获取得到需要在财务表中填写的财务金额，和与该财务金额对应的费用名称，减少无必要的财务缴费处理，加快保险业务相关自动化处理软件的测试效率，所述缴费单元23，具体还可以用于根据所述保险业务信息，检测在所述流程阶段是否需要进行财务缴费流程；若是，则从所述业务线上所述流程阶段的缴费标准中获取每项费用的金额参考标准和相应的费用参考名称；参照获取到的所述每项费用的金额参考标准和相应的费用参考名称，确定与所述保险业务信息相关的需要缴纳的费用金额，并结合需要缴纳费用的费用参考名称，确定与所述费用金额的对应的费用名称；若否，则确定与所述保单标识对应的所述待缴费保险业务在所述流程阶段的财务缴费失败，并输出相应的提示信息。
　　　在具体的应用场景中，为了提醒技术人员对上述财务缴费自动化系统出现异常状况时及时进行维护处理，如图3所示，所述装置还包括：记录单元24、发送单元25；
　　　记录单元24，可以用于记录不同保险业务在不同业务线上流程阶段的财务缴费情况；
　　　查询单元22，还可以用于根据记录的所述财务缴费情况，若检测出存在财务缴费问题的业务线或流程阶段，则查询相关软件维护模块的通信方式信息；及从预定分析数据库中查询与所述财务缴费问题对应的原因信息和相应的应对方式信息，所述预定分析数据库中保存有不同的财务缴费问题分别对应的原因信息和相应的应对方式信息；
　　　发送单元25，可以用于根据所述通信方式信息，将出现财务缴费问题的业务线或流程阶段信息，连同所述财务缴费问题、查询到的所述原因信息和相应的应对方式信息发送给所述软件维护模块。
　　　在具体的应用场景中，为了便于根据获取到的相关保险业务信息，获取得到合适的财务表，如图3所示，所述装置还包括：统计单元26；
　　　统计单元26，可以用于根据不同业务线的不同流程阶段的内容和业务场景，统计分别对应需要插入财务金额的财务表；
　　　记录单元24，还可以用于记录统计得到的所述财务表的表格样式信息；
　　　获取单元21，具体用于从记录的表格样式信息中获取与查询到的所述业务线和所述流程阶段对应需要插入财务金额的财务表的表格样式信息；然后根据获取到的所述表格样式信息生成相应需要插入财务金额的财务表。
　　　在具体的应用场景中，对于一些没有统计到的表格样式信息情况，为了也能准确获取得到适合的财务表，获取单元21，具体可以用于检测记录的表格样式信息中是否存在与查询到的所述业务线和所述流程阶段对应需要插入财务金额的财务表的表格样式信息；若存在，则从记录的表格样式信息中获取存在的所述表格样式信息；若不存在，则从记录的表格样式信息中获取与所述需要插入财务金额的财务表类别相同的财务表表格样式信息，作为所述需要插入财务金额的财务表的表格样式信息。
　　　需要说明的是，本申请实施例提供的一种基于保险业务的财务缴费装置所涉及各功能单元的其他相应描述，可以参考图1中的对应描述，在此不再赘述。
　　　基于上述如图1所示方法，相应的，本申请实施例还提供了一种存储介质，其上存储有计算机程序，该程序被处理器执行时实现上述如图1所示的基于保险业务的财务缴费方法。
　　　基于上述如图1所示方法和如图2和如图3所示虚拟装置的实施例，为了实现上述目的，本申请实施例还提供了一种基于保险业务的财务缴费的实体设备，该实体设备包括存储介质和处理器；存储介质，用于存储计算机程序；所述处理器，用于执行所述计算机程序以实现上述如图1所示的基于保险业务的财务缴费方法。
　　　通过应用本申请的技术方案，在进行保险业务相关自动化处理软件的测试过程中，保险业务每在一个流程阶段需要财务缴费时，可以自动实现该保险业务在此流程阶段的财务缴费流程，进而可以实现保险业务在每个流程阶段的自动财务缴费，节省了财务缴费流程所耗费的时间，提高了财务缴费效率，无需人工填写财务相关的表，节约了人力成本，并且可以提高保险业务相关自动化处理软件的测试效率。
　　　通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到本申请可以通过硬件实现，也可以借助软件加必要的通用硬件平台的方式来实现。基于这样的理解，本申请的技术方案可以以软件产品的形式体现出来，该软件产品可以存储在一个非易失性存储介质（可以是CD-ROM，U盘，移动硬盘等）中，包括若干指令用以使得一台计算机设备（可以是个人计算机，服务器，或者网络设备等）执行本申请各个实施场景所述的方法。
本领域技术人员可以理解附图只是一个优选实施场景的示意图，附图中的模块或流程并不一定是实施本申请所必须的。
本领域技术人员可以理解实施场景中的装置中的模块可以按照实施场景描述进行分布于实施场景的装置中，也可以进行相应变化位于不同于本实施场景的一个或多个装置中。上述实施场景的模块可以合并为一个模块，也可以进一步拆分成多个子模块。
　　　上述本申请序号仅仅为了描述，不代表实施场景的优劣。
　　　以上公开的仅为本申请的几个具体实施场景，但是，本申请并非局限于此，任何本领域的技术人员能思之的变化都应落入本申请的保护范围。

Claims (24)

  1. 一种基于保险业务的财务缴费方法，其特征在于，包括：
    　　　当接收到财务缴费指令时，获取输入的待缴费保险业务对应的保单标识；
    　　　根据所述保单标识，查询所述待缴费保险业务当前所在的业务线，以及在所述业务线上当前所处的流程阶段；
    　　　参照查询到的所述业务线和所述流程阶段，获取相关的保险业务信息，以及相应需要插入财务金额的财务表；
    　　　根据获取到的所述保险业务信息和所述财务表，实现所述待缴费保险业务在所述流程阶段的财务缴费流程。　　　
  2. 根据权利要求1所述的方法，其特征在于，所述根据获取到的所述保险业务信息和所述财务表，实现所述待缴费保险业务在所述流程阶段的财务缴费流程，包括：
    　　　从所述保险业务信息中获取需要在所述财务表中填写的财务金额，和与所述财务金额对应的费用名称；
    　　　通过将所述财务金额和所述费用名称填写在所述财务表中的对应缴费明细位置处，并记录缴费时间和所述流程阶段的缴费人信息进行缴费，实现所述待缴费保险业务在所述流程阶段的财务缴费流程。　　　
  3. 根据权利要求2所述的方法，其特征在于，从所述保险业务信息中获取需要在所述财务表中填写的财务金额，和与所述财务金额对应的费用名称，包括：
    　　　根据所述保险业务信息，检测在所述流程阶段是否需要进行财务缴费流程；
    　　　若是，则从所述业务线上所述流程阶段的缴费标准中获取每项费用的金额参考标准和相应的费用参考名称；
    　　　参照获取到的所述每项费用的金额参考标准和相应的费用参考名称，确定与所述保险业务信息相关的需要缴纳的费用金额，并结合需要缴纳费用的费用参考名称，确定与所述费用金额对应的费用名称；
    　　　若否，则确定与所述保单标识对应的所述待缴费保险业务在所述流程阶段的财务缴费失败，并输出相应的提示信息。　　　
  4. 根据权利要求1所述的方法，其特征在于，所述方法还包括：
    　　　记录不同保险业务在不同业务线上流程阶段的财务缴费情况；
    　　　根据记录的所述财务缴费情况，若检测出存在财务缴费问题的业务线或流程阶段，则查询相关软件维护模块的通信方式信息；及
    　　　从预定分析数据库中查询与所述财务缴费问题对应的原因信息和相应的应对方式信息，所述预定分析数据库中保存有不同的财务缴费问题分别对应的原因信息和相应的应对方式信息；
    　　　根据所述通信方式信息，将出现财务缴费问题的业务线或流程阶段信息，连同所述财务缴费问题、查询到的所述原因信息和相应的应对方式信息发送给所述软件维护模块。　　　
  5. 根据权利要求1所述的方法，其特征在于，所述参照查询到的所述业务线和所述流程阶段，获取相关的保险业务信息，以及相应需要插入财务金额的财务表之前，所述方法还包括：
    　　　根据不同业务线的不同流程阶段的内容和业务场景，统计分别对应需要插入财务金额的财务表；
    　　　记录统计得到的所述财务表的表格样式信息；
    　　　获取相应需要插入财务金额的财务表，包括：
    　　　从记录的表格样式信息中获取与查询到的所述业务线和所述流程阶段对应需要插入财务金额的财务表的表格样式信息；
    　　　根据获取到的所述表格样式信息生成相应需要插入财务金额的财务表。　　　
  6. 根据权利要求5所述的方法，其特征在于，所述从记录的表格样式信息中获取与查询到的所述业务线和所述流程阶段对应需要插入财务金额的财务表的表格样式信息，包括：
    　　　检测记录的表格样式信息中是否存在与查询到的所述业务线和所述流程阶段对应需要插入财务金额的财务表的表格样式信息；
    　　　若存在，则从记录的表格样式信息中获取存在的所述表格样式信息；
    　　　若不存在，则从记录的表格样式信息中获取与所述需要插入财务金额的财务表类别相同的财务表表格样式信息，作为所述需要插入财务金额的财务表的表格样式信息。　　　
  7. 一种基于保险业务的财务缴费装置，其特征在于，包括：
    　　　获取单元，用于当接收到财务缴费指令时，获取输入的待缴费保险业务对应的保单标识；
    　　　查询单元，用于根据所述获取单元获取的保单标识，查询所述待缴费保险业务当前所在的业务线，以及在所述业务线上当前所处的流程阶段；
    　　　所述获取单元，还用于依照所述查询单元查询到的所述业务线和所述流程阶段，获取相关的保险业务信息，以及相应需要插入财务金额的财务表；
    　　　缴费单元，用于根据所述获取单元获取到的所述保险业务信息和所述财务表，实现所述待缴费保险业务在所述流程阶段的财务缴费流程。　　　
  8. 根据权利要求7所述的装置，其特征在于，
    　　　所述缴费单元，具体用于从所述保险业务信息中获取需要在所述财务表中填写的财务金额，和与所述财务金额对应的费用名称；通过将所述财务金额和所述费用名称填写在所述财务表中的对应缴费明细位置处，并记录缴费时间和所述流程阶段的缴费人信息进行缴费，实现所述待缴费保险业务在所述流程阶段的财务缴费流程。　　　
  9. 根据权利要求8所述的装置，其特征在于，
    　　　所述缴费单元，具体还用于根据所述保险业务信息，检测在所述流程阶段是否需要进行财务缴费流程；若是，则从所述业务线上所述流程阶段的缴费标准中获取每项费用的金额参考标准和相应的费用参考名称；参照获取到的所述每项费用的金额参考标准和相应的费用参考名称，确定与所述保险业务信息相关的需要缴纳的费用金额，并结合需要缴纳费用的费用参考名称，确定与所述费用金额对应的费用名称；若否，则确定与所述保单标识对应的所述待缴费保险业务在所述流程阶段的财务缴费失败，并输出相应的提示信息。　　　
  10. 根据权利要求7所述的装置，其特征在于，所述装置还包括：记录单元和发送单元；
    　　　所述记录单元，用于记录不同保险业务在不同业务线上流程阶段的财务缴费情况；
    　　　所述查询单元，用于根据记录的所述财务缴费情况，若检测出存在财务缴费问题的业务线或流程阶段，则查询相关软件维护模块的通信方式信息；及从预定分析数据库中查询与所述财务缴费问题对应的原因信息和相应的应对方式信息，所述预定分析数据库中保存有不同的财务缴费问题分别对应的原因信息和相应的应对方式信息；
    　　　所述发送单元，用于根据所述通信方式信息，将出现财务缴费问题的业务线或流程阶段信息，连同所述财务缴费问题、查询到的所述原因信息和相应的应对方式信息发送给所述软件维护模块。　　　
  11. 根据权利要求7所述的装置，其特征在于，所述装置还包括：统计单元和记录单元；
    　　　所述统计单元，用于根据不同业务线的不同流程阶段的内容和业务场景，统计分别对应需要插入财务金额的财务表；
    　　　所述记录单元，用于记录统计得到的所述财务表的表格样式信息；
    　　　所述获取单元，具体用于从记录的表格样式信息中获取与查询到的所述业务线和所述流程阶段对应需要插入财务金额的财务表的表格样式信息；根据获取到的所述表格样式信息生成相应需要插入财务金额的财务表。　　　
  12. 根据权利要求11所述的装置，其特征在于，
    　　　所述获取单元，具体还用于检测记录的表格样式信息中是否存在与查询到的所述业务线和所述流程阶段对应需要插入财务金额的财务表的表格样式信息；若存在，则从记录的表格样式信息中获取存在的所述表格样式信息；若不存在，则从记录的表格样式信息中获取与所述需要插入财务金额的财务表类别相同的财务表表格样式信息，作为所述需要插入财务金额的财务表的表格样式信息。　　　
  13. 一种存储介质，其上存储有计算机程序，其特征在于，所述程序被处理器执行时实现基于保险业务的财务缴费方法，包括：
    　　　当接收到财务缴费指令时，获取输入的待缴费保险业务对应的保单标识；
    　　　根据所述保单标识，查询所述待缴费保险业务当前所在的业务线，以及在所述业务线上当前所处的流程阶段；
    　　　参照查询到的所述业务线和所述流程阶段，获取相关的保险业务信息，以及相应需要插入财务金额的财务表；
    　　　根据获取到的所述保险业务信息和所述财务表，实现所述待缴费保险业务在所述流程阶段的财务缴费流程。　　　
  14. 根据权利要求13所述的存储介质，其特征在于，所述程序被处理器执行时实现根据获取到的所述保险业务信息和所述财务表，实现所述待缴费保险业务在所述流程阶段的财务缴费流程，包括：
    　　　从所述保险业务信息中获取需要在所述财务表中填写的财务金额，和与所述财务金额对应的费用名称；通过将所述财务金额和所述费用名称填写在所述财务表中的对应缴费明细位置处，并记录缴费时间和所述流程阶段的缴费人信息进行缴费，实现所述待缴费保险业务在所述流程阶段的财务缴费流程。　　　
  15. 根据权利要求14所述的存储介质，其特征在于，所述程序被处理器执行时实现从所述保险业务信息中获取需要在所述财务表中填写的财务金额，和与所述财务金额对应的费用名称，包括：
    　　　根据所述保险业务信息，检测在所述流程阶段是否需要进行财务缴费流程；
    　　　若是，则从所述业务线上所述流程阶段的缴费标准中获取每项费用的金额参考标准和相应的费用参考名称；参照获取到的所述每项费用的金额参考标准和相应的费用参考名称，确定与所述保险业务信息相关的需要缴纳的费用金额，并结合需要缴纳费用的费用参考名称，确定与所述费用金额对应的费用名称；
    　　　若否，则确定与所述保单标识对应的所述待缴费保险业务在所述流程阶段的财务缴费失败，并输出相应的提示信息。　　　
  16. 根据权利要求13所述的存储介质，其特征在于，所述程序被处理器执行时实现所述方法还包括：
    　　　记录不同保险业务在不同业务线上流程阶段的财务缴费情况；
    　　　根据记录的所述财务缴费情况，若检测出存在财务缴费问题的业务线或流程阶段，则查询相关软件维护模块的通信方式信息；及从预定分析数据库中查询与所述财务缴费问题对应的原因信息和相应的应对方式信息，所述预定分析数据库中保存有不同的财务缴费问题分别对应的原因信息和相应的应对方式信息；
    　　　根据所述通信方式信息，将出现财务缴费问题的业务线或流程阶段信息，连同所述财务缴费问题、查询到的所述原因信息和相应的应对方式信息发送给所述软件维护模块。　　　
  17. 根据权利要求13所述的存储介质，其特征在于，所述程序被处理器执行时实现所述参照查询到的所述业务线和所述流程阶段，获取相关的保险业务信息，以及相应需要插入财务金额的财务表之前，还包括：
    　　　根据不同业务线的不同流程阶段的内容和业务场景，统计分别对应需要插入财务金额的财务表；
    　　　记录统计得到的所述财务表的表格样式信息；
    　　　获取相应需要插入财务金额的财务表，包括：
    　　　从记录的表格样式信息中获取与查询到的所述业务线和所述流程阶段对应需要插入财务金额的财务表的表格样式信息；
    　　　根据获取到的所述表格样式信息生成相应需要插入财务金额的财务表。　　　
  18. 根据权利要求17所述的存储介质，其特征在于，所述程序被处理器执行时实现所述从记录的表格样式信息中获取与查询到的所述业务线和所述流程阶段对应需要插入财务金额的财务表的表格样式信息，包括：
    　　　检测记录的表格样式信息中是否存在与查询到的所述业务线和所述流程阶段对应需要插入财务金额的财务表的表格样式信息；
    　　　若存在，则从记录的表格样式信息中获取存在的所述表格样式信息；
    　　　若不存在，则从记录的表格样式信息中获取与所述需要插入财务金额的财务表类别相同的财务表表格样式信息，作为所述需要插入财务金额的财务表的表格样式信息。　　　
  19. 一种基于保险业务的财务缴费设备，包括存储介质、处理器及存储在存储介质上并可在处理器上运行的计算机程序，其特征在于，所述处理器执行所述程序时实现基于保险业务的财务缴费方法，包括：当接收到财务缴费指令时，获取输入的待缴费保险业务对应的保单标识；
    　　　根据所述保单标识，查询所述待缴费保险业务当前所在的业务线，以及在所述业务线上当前所处的流程阶段；
    　　　参照查询到的所述业务线和所述流程阶段，获取相关的保险业务信息，以及相应需要插入财务金额的财务表；
    　　　根据获取到的所述保险业务信息和所述财务表，实现所述待缴费保险业务在所述流程阶段的财务缴费流程。　　　
  20. 根据权利要求19所述的设备，其特征在于，所述处理器执行所述程序时实现根据获取到的所述保险业务信息和所述财务表，实现所述待缴费保险业务在所述流程阶段的财务缴费流程，包括：
    　　　从所述保险业务信息中获取需要在所述财务表中填写的财务金额，和与所述财务金额对应的费用名称；通过将所述财务金额和所述费用名称填写在所述财务表中的对应缴费明细位置处，并记录缴费时间和所述流程阶段的缴费人信息进行缴费，实现所述待缴费保险业务在所述流程阶段的财务缴费流程。　　　
  21. 根据权利要求20所述的设备，其特征在于，所述处理器执行所述程序时实现从所述保险业务信息中获取需要在所述财务表中填写的财务金额，和与所述财务金额对应的费用名称，包括：
    　　　根据所述保险业务信息，检测在所述流程阶段是否需要进行财务缴费流程；
    　　　若是，则从所述业务线上所述流程阶段的缴费标准中获取每项费用的金额参考标准和相应的费用参考名称；参照获取到的所述每项费用的金额参考标准和相应的费用参考名称，确定与所述保险业务信息相关的需要缴纳的费用金额，并结合需要缴纳费用的费用参考名称，确定与所述费用金额对应的费用名称；
    　　　若否，则确定与所述保单标识对应的所述待缴费保险业务在所述流程阶段的财务缴费失败，并输出相应的提示信息。　　　
  22. 根据权利要求19所述的设备，其特征在于，所述处理器执行所述程序时实现所述方法还包括：
    　　　记录不同保险业务在不同业务线上流程阶段的财务缴费情况；
    　　　根据记录的所述财务缴费情况，若检测出存在财务缴费问题的业务线或流程阶段，则查询相关软件维护模块的通信方式信息；及从预定分析数据库中查询与所述财务缴费问题对应的原因信息和相应的应对方式信息，所述预定分析数据库中保存有不同的财务缴费问题分别对应的原因信息和相应的应对方式信息；
    　　　根据所述通信方式信息，将出现财务缴费问题的业务线或流程阶段信息，连同所述财务缴费问题、查询到的所述原因信息和相应的应对方式信息发送给所述软件维护模块。　　　
  23. 根据权利要求19所述的设备，其特征在于，所述处理器执行所述程序时实现所述参照查询到的所述业务线和所述流程阶段，获取相关的保险业务信息，以及相应需要插入财务金额的财务表之前，还包括：
    　　　根据不同业务线的不同流程阶段的内容和业务场景，统计分别对应需要插入财务金额的财务表；
    　　　记录统计得到的所述财务表的表格样式信息；
    　　　获取相应需要插入财务金额的财务表，包括：
    　　　从记录的表格样式信息中获取与查询到的所述业务线和所述流程阶段对应需要插入财务金额的财务表的表格样式信息；
    　　　根据获取到的所述表格样式信息生成相应需要插入财务金额的财务表。　　　
  24. 根据权利要求23所述的设备，其特征在于，所述处理器执行所述程序时实现所述从记录的表格样式信息中获取与查询到的所述业务线和所述流程阶段对应需要插入财务金额的财务表的表格样式信息，包括：
    　　　检测记录的表格样式信息中是否存在与查询到的所述业务线和所述流程阶段对应需要插入财务金额的财务表的表格样式信息；
    　　　若存在，则从记录的表格样式信息中获取存在的所述表格样式信息；
    　　　若不存在，则从记录的表格样式信息中获取与所述需要插入财务金额的财务表类别相同的财务表表格样式信息，作为所述需要插入财务金额的财务表的表格样式信息。
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