WO2019119642A1 - 电子装置、远程保单的出单方法及存储介质 - Google Patents

电子装置、远程保单的出单方法及存储介质 Download PDF

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Publication number
WO2019119642A1
WO2019119642A1 PCT/CN2018/077630 CN2018077630W WO2019119642A1 WO 2019119642 A1 WO2019119642 A1 WO 2019119642A1 CN 2018077630 W CN2018077630 W CN 2018077630W WO 2019119642 A1 WO2019119642 A1 WO 2019119642A1
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Prior art keywords
insurance
advance payment
institution
customer
policy
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English (en)
French (fr)
Inventor
张政
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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
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G06Q10/103—Workflow collaboration or project management

Definitions

  • the present application relates to the field of remote insurance sales, and in particular, to an electronic device, a method for issuing a remote policy, and a storage medium.
  • the insurance institution usually sets up a supervision department for the remote underwriting business.
  • the supervisory department first checks whether the insurance premium is received before the policy is issued. If you do not receive the insurance premium, you need to make a policy agreement first, and indicate the service of the delivery charge in the policy agreement.
  • the business personnel will send the policy agreement to the customer by courier, after the customer signs and confirms the insurance, After receiving the corresponding premium, the regulatory department can confirm the issuance of the policy and invoice after receiving the premium, and the business personnel need to send the policy and invoice to the customer by express delivery to complete the delivery of the policy.
  • the present application provides an electronic device, a remote policy billing method, and a storage medium, which reduces distribution costs, improves billing efficiency, and customer experience.
  • a first aspect of the present application provides an electronic device, where the electronic device includes a memory and a processor connected to the memory, where the processor is configured to execute a remote policy stored on the memory
  • the billing program when the billing program of the remote policy is executed by the processor, implements the following steps:
  • the insurance type and the insurance premium are analyzed according to a predetermined billing rule, the advance payment of the insurance premium is automatically completed, and a policy and a policy are generated. Or the payment of the insurance premium for the customer, and the completion of the advance payment for the customer Advance payment and generate policy and repayment notices;
  • the policy and the repayment notice are sent to a predetermined service terminal.
  • a second aspect of the present application provides a method for issuing a remote policy, the method comprising the following steps:
  • the insurance type and the insurance premium are analyzed according to a predetermined billing rule, the advance payment of the insurance premium is automatically completed, and a policy and a policy are generated. Or the payment of the insurance premium for the customer, and the completion of the advance payment for the customer Advance and generate policy and repayment notices.
  • a third aspect of the present application provides a computer readable storage medium storing a billing program of a remote policy, and the billing program of the remote policy may be processed by at least one The apparatus is operative to cause the at least one processor to perform the steps of the remote policy billing method as described above.
  • the present application discloses an electronic device, a remote policy billing method and a storage medium, and receives a remote control
  • the insured customer makes the order for the policy, it analyzes the customer's insurance information by using a predetermined advance payment rule, determines whether there is fraud risk for the customer to pay the insurance premium, and determines whether to pay the insurance premium for the customer.
  • the risk of fraud analyze the type of insurance and the insurance premium according to the predetermined billing rules, automatically complete the advance payment of the insurance premium, and generate a policy and repayment notice; or send the insurance premium to the higher-level institution of the insurance institution for the customer.
  • Advance review request and upon receipt of the advance order returned by the parent organization, complete the advance payment for the customer's insurance premium, and generate a policy and repayment notice; send the policy and repayment notice to a predetermined Business terminal.
  • FIG. 1 is a schematic diagram of a hardware architecture of a preferred embodiment of an electronic device proposed by the present application
  • FIG. 2 is a schematic diagram of a program module of a preferred embodiment of a billing procedure for a remote policy of the present application
  • FIG. 3 is a schematic flow chart of an implementation of a preferred embodiment of a remote policy billing procedure of the present application.
  • the electronic device 10 may include, but is not limited to, the memory 101, the processor 102, and the network interface 103 being communicably connected to each other through the communication bus 104. It should be noted that FIG. 1 only shows the electronic device 10 having the components 101-104, but it should be understood that not all illustrated components may be implemented, and more or fewer components may be implemented instead.
  • the memory 101 includes at least one type of computer readable storage medium including a flash memory, a hard disk, a multimedia card, a card type memory (eg, SD or DX memory, etc.), a random access memory (RAM), and a static Random access memory (SRAM), read only memory (ROM), electrically erasable programmable read only memory (EEPROM), programmable read only memory (PROM), magnetic memory, magnetic disk, optical disk, and the like.
  • the memory 101 can be an internal storage unit of the electronic device 10, such as a hard disk or memory of the electronic device 10.
  • the memory 101 may also be an outsourced storage device of the electronic device 10, such as a plug-in hard disk equipped on the electronic device 10, a smart memory card (SMC), and a secure digital (Secure Digital, SD) ) cards, flash cards, etc.
  • the memory 101 can also include both internal storage units of the electronic device 10 and its outsourced storage devices.
  • the memory 101 is generally used to store an operating system installed on the electronic device 10 and various types of application software, such as an order issuing program of a remote policy. Further, the memory 101 can also be used to temporarily store various types of data that have been output or are to be output.
  • Processor 102 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor, or other data processing chip in some embodiments.
  • the processor 102 is typically used to control the overall operation of the electronic device 10.
  • the processor 102 is configured to run program code or processing data stored in the memory 101, such as a billing program of a running remote policy.
  • the network interface 103 can include a wireless network interface or a wired network interface, which is typically used to establish a communication connection between the electronic device 10 and other electronic devices.
  • Communication bus 104 is used to implement a communication connection between components 101-103.
  • the device may further include a user interface
  • the user interface may include a display, an input unit such as a keyboard, and optionally, the user interface may include a standard wired interface, a wireless interface.
  • the display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, an OLED touch device, or the like.
  • the display may also be appropriately referred to as a display screen or a display unit for displaying information processed in the electronic device and a user interface for displaying visualization.
  • the ordering process of the remote policy stored in the memory 101 is executed by the processor 102 to implement the steps of the remote policy billing method of various embodiments of the present application.
  • the remote policy billing program is executed by the processor 102 to implement the following steps:
  • the customer's insurance information is analyzed using a predetermined advance payment rule to determine whether there is a fraud risk for the customer to pay the insurance premium, wherein the insurance information includes insurance Institution name, type of insurance, and insurance coverage;
  • the insurance type and the insurance premium are analyzed according to the predetermined billing rules, the advance payment of the insurance premium is automatically completed, and a policy and a repayment notice are generated; or Sending an advance payment review request for the customer's insurance premium to the higher-level institution of the insurance institution, and after receiving the advance payment instruction returned by the higher-level organization, completing the advance payment for the customer's insurance premium, and generating a policy and a repayment notice;
  • the policy and the repayment notice are sent to a predetermined service terminal.
  • the customer's insurance information is analyzed by using a predetermined advance payment rule, wherein the insurance information includes an insurance institution, and it is necessary to explain that the insurance policy is insured.
  • the organization refers to the level of the institution.
  • the insurance institutions in which large provinces or municipalities such as Shanghai and Zhejiang are located are secondary institutions, or the insurance institutions in Hangzhou, Shaoxing, and Wenzhou are tertiary institutions.
  • the policy information usually further includes first identity information, such as an identity card number, a mobile phone number, and a name, and the effective date of the policy.
  • the type of insurance is, for example, commercial insurance, traffic insurance, accident Insurance, property insurance, critical illness insurance, and wealth management.
  • the ordering instruction includes the billing date. For example, the system defaults to the current date of receiving the billing order as the billing date. After analyzing the customer's insurance information according to a predetermined advance payment rule, it is determined whether there is a risk of fraud in the advance payment of the insurance premium for the customer.
  • the predetermined advance payment rule includes: first identifier information (for example, an ID card number, a mobile phone number, a name, and the like) and each second identity identifier information in the first blacklist determined by the headquarters organization corresponding to the insurance institution. (For example, ID card number, mobile phone number, name, etc.) to match, it should be noted that if the insurance institution is the agency headquarters, the first identity information and the second in the first blacklist predetermined by the agency headquarters are determined. The identification information is matched. Further, it is necessary to say that the customers corresponding to the second identification information recorded in the first blacklist are high-risk customers, and the customers usually have unsatisfied credit information and have incurred huge amounts of debts. Or a customer who has made a financial fraud. If there is a second identification information that matches the first identification information, determining a fraud risk of the advance payment of the insurance premium for the customer;
  • first identifier information for example, an ID card number, a mobile phone number, a name, and the like
  • the second identification information does not match the first identification information, the first identification information and each third identification information in the second blacklist predetermined by the insurance institution (for example, an identity card number, a mobile phone) Matching numbers, names, etc.
  • this step of judging rules is mainly for rules in which the level of the insured institution is set smaller than the insured institution of the organization headquarters. For example, the secondary institution or the tertiary institution is based on the agency headquarters.
  • the first blacklist determination is determined in advance, it is further determined according to the second blacklist determined by itself, and if the third identification information matches the first identification information, determining the existence of the insurance premium for the customer Risk of fraud;
  • the date difference between the single date and the policy effective date is calculated, and if the date difference between the billing date and the policy effective date is less than or equal to
  • the default date difference for example, 2 days, determines that there is a risk of fraud in the advancement of the customer's insurance premium.
  • the advance payment rule of this embodiment stipulates that the method of advance payment cannot be used from August 8 to August 10, and if the request is required to be on the August 9th, the customer can be requested. Change to other payment methods, such as WeChat payment, bank transfer, etc. If the date difference between the billing date and the policy effective date is greater than the preset date difference, it is determined that there is no risk of fraud in the advancement of the customer's insurance premium.
  • the insurance type and the insurance premium are analyzed according to a predetermined billing rule. Specifically, the type of insurance is matched with the advance type determined by the insurance institution, and if the type of advancement determined by the insurance institution is not determined with the type of insurance of the customer If the match is made, the superior institution of the insurance institution sends a request for advance payment for the insurance premium of the customer. It can be understood that, generally, the advance payment type of each institution is the same, but there may be some advance privilege for the agency headquarters, so If the insurance institution that is not (institutional headquarters) does not match the type of advancement of the insurance institution, it needs to be confirmed by the higher-level insurance institution.
  • the insurance premium is compared with the advance payment amount range preset by the insurance institution. It can be understood that, according to the level corresponding to the insurance institution, the preset The amount of advance payment is generally different. For example, the level of advance payment by the secondary insurance institution is generally larger than the advance payment amount of the tertiary institution. If the insurance premium is greater than the advance payment amount preset by the insurance institution, the advancement request for the insurance premium of the customer is sent to the higher-level institution of the insurance institution; if the insurance premium belongs to the advance payment amount preset by the insurance institution, the insurance premium is automatically completed. Advance payment, and generate policy and repayment notices, send policy and repayment notices to pre-determined business terminals.
  • the superior institution of the insurance institution is sent to the customer. Carrying out an advance payment review request for the insurance premium, and upon receiving the advance payment instruction returned by the higher-level organization, completing the advance payment for the customer's insurance premium, and generating a policy and repayment notice to send the policy and repayment notice to Predetermined service terminal.
  • the insurance agreement and the payment notice of the insurance premium are automatically generated according to the insurance information, and the insurance agreement and the payment notice are sent to the predetermined service terminal. .
  • the automatically generated policy carries the first electronic seal of the insurance institution, and the repayment notice has a second electronic seal of the financial department of the insurance institution; the insurance agreement has an insurance institution.
  • the first electronic seal, and the payment notice has a second electronic seal of the financial department of the insurance institution.
  • the electronic device proposed in the above embodiment analyzes the customer's insurance information by using a predetermined advance payment rule after receiving a policy for issuing a policy for a remotely insured customer, and determines whether there is fraud in the advance payment for the customer.
  • Risk and after determining that the advance payment for the customer is not fraudulent, analyze the type of insurance and the insurance premium according to the predetermined billing rules, automatically complete the advance payment of the insurance premium, and generate the policy and repayment notice; or, Sending an advance payment review request for the customer's insurance premium to the higher-level institution of the insurance institution, and after receiving the advance payment instruction returned by the higher-level organization, completing the advance payment for the customer's insurance premium, and generating a policy and repayment notice Send policy and repayment notices to pre-determined service terminals.
  • the remote policy's billing program may be described by one or more virtual program modules having the same function, depending on the functions implemented by its various parts.
  • FIG. 2 is a schematic diagram of a program module of a preferred embodiment of the billing procedure of the remote policy of the present application.
  • the billing program of the remote policy is divided into the analyzing module 201, the generating module 202, and the sending module 203.
  • the functions or operational steps implemented by the modules 201-203 proposed in this embodiment are similar to the above, and are not described in detail herein, for example, where, for example,
  • the analyzing module 201 is configured to analyze the customer's insurance information by using a predetermined advance payment rule after receiving a billing instruction for the policy for the remote underwriting customer, and determine whether there is a fraud risk for the customer to pay the insurance premium.
  • the insurance information includes the name of the insurance institution, the type of insurance, and the insurance premium;
  • the generating module 202 is configured to: if it is determined that the advance payment for the customer is not fraud risk, analyze the insurance type and the insurance premium according to the predetermined billing rule, automatically complete the advance payment of the insurance premium, and generate a policy and a repayment notice; or, sending a request for advance payment of the insurance premium to the customer to the parent institution of the insurance institution, and completing the advance payment instruction returned by the parent institution, completing the claim for the customer Advance payment of insurance premiums and generate insurance policies and repayment notices;
  • the sending module 203 is configured to send the policy and the repayment notice to the predetermined service terminal.
  • the present application also provides a method for placing a remote policy.
  • FIG. 3 is a flowchart of an implementation of a preferred embodiment of the method for placing a remote policy of the present application.
  • the method can be performed by a device that can be implemented by software and/or hardware.
  • the method for issuing a remote policy includes:
  • Step S301 after receiving a billing instruction for a policy for a remotely insured customer, analyzing the customer's insurance information by using a predetermined advance payment rule, and determining whether there is a fraud risk for the customer to pay the insurance premium, wherein the insurance is insured.
  • the information includes the name of the insurance institution, the type of insurance, and the insurance premium;
  • Step S302 if it is determined that there is no fraud risk for the advance payment of the insurance premium for the customer, analyzing the type of insurance and the insurance premium according to the predetermined billing rules, automatically completing the advance payment of the insurance premium, and generating a policy and a repayment notice ;
  • Step S302 the policy and the repayment notice are sent to a predetermined service terminal.
  • the customer's insurance information is analyzed by using a predetermined advance payment rule, wherein the insurance information includes an insurance institution, and it is necessary to explain that the insurance policy is insured.
  • the organization refers to the level of the institution.
  • the insurance institutions in which large provinces or municipalities such as Shanghai and Zhejiang are located are secondary institutions, or the insurance institutions in Hangzhou, Shaoxing, and Wenzhou are tertiary institutions.
  • the policy information usually further includes first identity information, such as an identity card number, a mobile phone number, and a name, and a policy effective date.
  • the insurance type is, for example, a commercial insurance, a traffic insurance, an accident of a car insurance. Insurance, property insurance, critical illness insurance, and wealth management.
  • the ordering instruction includes the billing date. For example, the system defaults to the current date of receiving the billing order as the billing date. After analyzing the customer's insurance information according to a predetermined advance payment rule, it is determined whether there is a risk of fraud in the advance payment of the insurance premium for the customer.
  • the predetermined advance payment rule includes: first identifier information (for example, an ID card number, a mobile phone number, a name, and the like) and each second identity identifier information in the first blacklist determined by the headquarters organization corresponding to the insurance institution. (For example, ID card number, mobile phone number, name, etc.) to match, it should be noted that if the insurance institution is the agency headquarters, the first identity information and the second in the first blacklist predetermined by the agency headquarters are determined. The identification information is matched. Further, it is necessary to say that the customers corresponding to the second identification information recorded in the first blacklist are high-risk customers, and the customers usually have unsatisfied credit information and have incurred huge amounts of debts. Or a customer who has made a financial fraud. If there is a second identification information that matches the first identification information, determining a fraud risk of the advance payment of the insurance premium for the customer;
  • first identifier information for example, an ID card number, a mobile phone number, a name, and the like
  • the second identification information does not match the first identification information, the first identification information and each third identification information in the second blacklist predetermined by the insurance institution (for example, an identity card number, a mobile phone) Matching numbers, names, etc.
  • this step of judging rules is mainly for rules in which the level of the insured institution is set smaller than the insured institution of the organization headquarters. For example, the secondary institution or the tertiary institution is based on the agency headquarters.
  • the first blacklist determination is determined in advance, it is further determined according to the second blacklist determined by itself, and if the third identification information matches the first identification information, determining the existence of the insurance premium for the customer Risk of fraud;
  • the date difference between the single date and the policy effective date is calculated, and if the date difference between the billing date and the policy effective date is less than or equal to
  • the default date difference for example, 2 days, determines that there is a risk of fraud in the advancement of the customer's insurance premium.
  • the advance payment rule of this embodiment stipulates that the method of advance payment cannot be used from August 8 to August 10, and if the request is required to be on the August 9th, the customer can be requested. Change to other payment methods, such as WeChat payment, bank transfer, etc. If the date difference between the billing date and the policy effective date is greater than the preset date difference, it is determined that there is no risk of fraud in the advancement of the customer's insurance premium.
  • the insurance type and the insurance premium are analyzed according to a predetermined billing rule. Specifically, the type of insurance is matched with each advance type determined by the insurance institution, if there is no advance type determined by the insurance institution and the type of insurance of the customer. If there is a match, the superior institution of the insurance institution is sent a request for advance payment for the customer's insurance premium. It can be understood that, generally, the type of advance payment for each institution is the same, but there may be some advance privilege for the agency headquarters, so For an insurance institution that is generally (not the agency's headquarters), if there is a type of insurance that does not match the type of advancement of the insurance institution, there may be fraud and it needs to be confirmed by the higher-level insurance institution.
  • the insurance premium is compared with the advance payment amount range preset by the insurance institution. It can be understood that, according to the level corresponding to the insurance institution, the preset The amount of advance payment is generally different. For example, the level of advance payment by the secondary insurance institution is generally larger than the advance payment amount of the tertiary institution.
  • the advancement request for the insurance premium of the customer is sent to the higher-level institution of the insurance institution; if the insurance premium belongs to the advance payment amount range preset by the insurance institution , and the insurance institution predetermines Each of the advance payment types matches the advance payment type corresponding to the customer, and the advance payment of the insurance premium is automatically completed, and a policy and a repayment notice are generated, and the policy and the repayment notice are sent to the predetermined business terminal.
  • the superior institution of the insurance institution is sent to the customer. Carrying out an advance payment review request for the insurance premium, and upon receiving the advance payment instruction returned by the higher-level organization, completing the advance payment for the customer's insurance premium, and generating a policy and repayment notice to send the policy and repayment notice to Predetermined service terminal.
  • the insurance agreement and the payment notice of the insurance premium are automatically generated according to the insurance information, and the insurance agreement and the payment notice are sent to the predetermined service terminal. .
  • the automatically generated policy carries the first electronic seal of the insurance institution, and the repayment notice has a second electronic seal of the financial department of the insurance institution; the insurance agreement has an insurance institution.
  • the first electronic seal, and the payment notice has a second electronic seal of the financial department of the insurance institution.
  • the remote policy billing method proposed by the above embodiment analyzes the customer's insurance information by using a predetermined advance payment rule after receiving a billing instruction for the policy for the remote underwriting customer, and determines the advance payment for the customer for the insurance premium. Whether there is a risk of fraud, and after determining that the advance payment for the customer is not fraudulent, analyze the type of insurance and the insurance premium according to the predetermined billing rules, automatically complete the advance payment of the insurance premium, and generate the policy and repayment notice.
  • the embodiment of the present application further provides a computer readable storage medium, where the remote policy billing program is stored, and the remote policy billing program is executed by the processor to:
  • the customer's insurance information is analyzed using a predetermined advance payment rule to determine whether there is a fraud risk for the customer to pay the insurance premium, wherein the insurance information includes insurance Institution name, type of insurance, and insurance coverage;
  • the insurance premium is automatically completed according to the analysis of the insurance type and the insurance premium according to a predetermined billing rule, and a policy and repayment are generated. Or a payment request for the insurance premium for the customer to be sent to the higher-level institution of the insurance institution, and after receiving the advance payment instruction returned by the higher-level organization, completing the advance payment of the insurance premium for the customer And generate policy and repayment notices;
  • Step by step, the remote policy billing program is also executed as follows when executed by the processor:
  • the insurance agreement and the payment notice of the insurance premium are automatically generated according to the insurance information, and the insurance agreement and the payment notice are sent to the predetermined business terminal.
  • the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better.
  • Implementation Based on such understanding, the technical solution of the present application, which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM, disk,
  • the optical disc includes a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods described in various embodiments of the present application.

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Abstract

本申请公开了一种电子装置、远程保单的出单方法及存储介质，在收到一个针对远程承保的客户进行保单的出单指令后，利用预先确定的垫付规则分析该客户的投保信息，确定针对该客户进行投保费用的垫付是否存在欺诈风险，并在确定针对该客户进行投保费用的垫付不存在欺诈风险后根据预先确定的出单规则分析投保类型及投保费用，自动完成投保费用的垫付，并生成保单和还款通知单，或者，向投保机构的上级机构发送针对该客户进行投保费用的垫付审查请求，并在收到上级机构返回的垫付指令后，完成针对该客户的所述投保费用的垫付，并生成保单和还款通知单；将保单和还款通知单发送至预先确定的业务终端。减少配送成本、提高出单效率、及客户的体验效果。

Description

电子装置、远程保单的出单方法及存储介质
本申请要求于2017年12月20日提交中国专利局、申请号为201711379861.5，发明名称为“电子装置、远程保单的出单方法及存储介质”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉远程保险销售领域，尤其涉及一种电子装置、远程保单的出单方法及存储介质。
背景技术
随着人们保险意识的增强、传统互联网和移动互联网的不断发展，远程销售在保险行业得到了广泛的应用。例如，保险销售人员通过电话、微信、QQ等与客户进行远程沟通，并为了方便客户而提供远程承保服务。
目前，为了防止保险体系的系统风险，保险机构通常针对远程承保业务设立监管部门，为了防止业务人员进行假冒出单来提高业务数量，在进行保单出单之前，监管部门先检查是否收到投保费用，若没有收到投保费用，则需要先制作保单协议，并在保单协议中注明送单收费的服务，业务人员将保单协议通过快递的方式送至客户，由客户进行签名并确定投保之后，收取相应的保费，监管部门在收到保费之后，才能确认出具保单及发票，而业务人员需要再次通过快递的方式将保单及发票送至客户处，完成保单的配送。这样，就需要进行两次配送的过程，不但过程繁琐、配送成本过高、容易出错，而且导致客户收到保单及发票的时间较长，出单的效率低下，影响客户的体验效果。
发明内容
有鉴于此，本申请提出一种电子装置、远程保单的出单方法及存储介质，减少了配送成本、提高了出单效率、以及客户的体验效果。
首先，为实现上述目的，本申请第一方面提出一种电子装置，所述电子装置包括存储器、及与所述存储器连接的处理器，所述处理器用于执行所述存储器上存储的远程保单的出单程序，所述远程保单的出单程序被所述处理器执行时实现如下步骤：
在收到一个针对远程承保的客户进行保单的出单指令后，利用预先确定的垫付规则分析该客户的投保信息，确定针对该客户进行投保费用的垫付是否存在欺诈风险，其中，所述投保信息包括投保机构、投保类型、投保费用；
若确定针对该客户进行所述投保费用的垫付不存在欺诈风险，则根据预先确定的出单规则分析所述投保类型及所述投保费用，自动完成所述投保费用的垫付，并生成保单和还款通知单；或者，向所述投保机构的上级机构发送针对该客户进行所述投保费用的垫付审查请求，并在收到上级机构返回的垫付指令后，完成针对该客户的所述投保费用的垫付，并生成保单和还款通知单；
将所述保单和所述还款通知单发送至预先确定的业务终端。
此外，为实现上述目的，本申请第二方面提供一种远程保单的出单方法，该方法包括如下步骤：
在收到一个针对远程承保的客户进行保单的出单指令后，利用预先确定的垫付规则分析该客户的投保信息，确定针对该客户进行投保费用的垫付是否存在欺诈风险，其中，所述投保信息包括投保机构、投保类型、投保费用；
若确定针对该客户进行所述投保费用的垫付不存在欺诈风险，则根据预先确定的出单规则分析所述投保类型及所述投保费用，自动完成所述投保费用的垫付，并生成保单和还款通知单；或者，向所述投保机构的上级机构发送针对该客户进行所述投保费用的垫付审查请求，并在收到上级机构返回的 垫付指令后，完成针对该客户的所述投保费用的垫付，并生成保单和还款通知单。
此外，为实现上述目的，本申请第三方面提供一种计算机可读存储介质，所述计算机可读存储介质存储有远程保单的出单程序，所述远程保单的出单程序可被至少一个处理器执行，以使所述至少一个处理器执行如上述的远程保单的出单方法的步骤。
相较于现有技术，本申请所提出的电子装置、远程保单的出单方法及存储介质，本申请公开了一种电子装置、远程保单的出单方法及存储介质，在收到一个针对远程承保的客户进行保单的出单指令后，利用预先确定的垫付规则分析该客户的投保信息，确定针对该客户进行投保费用的垫付是否存在欺诈风险，并在确定针对该客户进行投保费用的垫付不存在欺诈风险后，根据预先确定的出单规则分析投保类型及投保费用，自动完成投保费用的垫付，并生成保单和还款通知单；或者，向投保机构的上级机构发送针对该客户进行投保费用的垫付审查请求，并在收到上级机构返回的垫付指令后，完成针对该客户的所述投保费用的垫付，并生成保单和还款通知单；将保单和还款通知单发送至预先确定的业务终端。减少了配送成本、提高了出单效率、以及客户的体验效果。
附图说明
图1是本申请提出的电子装置较佳实施例的硬件架构的示意图；
图2是本申请远程保单的出单程序较佳实施例的程序模块示意图；
图3是本申请远程保单出单程序较佳实施例的实施流程示意图。
本申请目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
为了使本申请的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处所描述的具体实施例仅用以解释本申请，并不用于限定本申请。基于本申请中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本申请保护的范围。
需要说明的是，在本申请中涉及“第一”、“第二”等的描述仅用于描述目的，而不能理解为指示或暗示其相对重要性或者隐含指明所指示的技术特征的数量。由此，限定有“第一”、“第二”的特征可以明示或者隐含地包括至少一个该特征。另外，各个实施例之间的技术方案可以相互结合，但是必须是以本领域普通技术人员能够实现为基础，当技术方案的结合出现相互矛盾或无法实现时应当认为这种技术方案的结合不存在，也不在本申请要求的保护范围之内。
参阅图1所示，是本申请提出的电子装置一可选的硬件架构示意图。本实施例中，电子装置10可包括，但不仅限于，可通过通信总线104相互通信连接存储器101、处理器102、网络接口103。需要指出的是，图1仅示出了具有组件101-104的电子装置10，但是应理解的是，并不要求实施所有示出的组件，可以替代的实施更多或者更少的组件。
其中，存储器101至少包括一种类型的计算机可读存储介质，计算机可读存储介质包括闪存、硬盘、多媒体卡、卡型存储器(例如，SD或DX存储器等)、随机访问存储器(RAM)、静态随机访问存储器(SRAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、可编程只读存储器(PROM)、磁性存储器、磁盘、光盘等。在一些实施例中，存储器101可以是电子装置10的内部存储单元，例如电子装置10的硬盘或内存。在另一些实施例中，存储器101也可以是电子装置10的外包存储设备，例如电子装置10上配备的插接式硬盘，智能存储卡(Smart Media Card,SMC)，安全数字(Secure Digital,SD)卡，闪存卡(Flash Card)等。当然，存储器101还可以 既包括电子装置10的内部存储单元也包括其外包存储设备。本实施例中，存储器101通常用于存储安装于电子装置10的操作系统和各类应用软件，例如远程保单的出单程序等。此外，存储器101还可以用于暂时地存储已经输出或者将要输出的各类数据。
处理器102在一些实施例中可以是中央处理器(Central Processing Unit，CPU)、控制器、微控制器、微处理器、或其他数据处理芯片。处理器102通常用于控制电子装置10的总体操作。本实施例中，处理器102用于运行存储器101中存储的程序代码或者处理数据，例如运行的远程保单的出单程序等。
网络接口103可包括无线网络接口或有线网络接口，网络接口103通常用于在电子装置10与其他电子设备之间建立通信连接。
通信总线104用于实现组件101-103之间的通信连接。
可选地，该装置还可以包括用户接口，用户接口可以包括显示器(Display)、输入单元比如键盘，可选地，用户接口可以包括标准的有线接口、无线接口。可选地，在一些实施例中，显示器可以是LED显示器、液晶显示器、触控式液晶显示器以及OLED触摸器等。其中，显示器也可以适当的称为显示屏或显示单元，用于显示在电子装置中处理的信息以及用于显示可视化的用户界面。
存储器101中存储的远程保单的出单程序被处理器102执行，以实现本申请各个实施例的远程保单的出单方法的步骤。
在一实施例中，远程保单的出单程序被处理器102执行时实现如下步骤：
在收到一个针对远程承保的客户进行保单的出单指令后，利用预先确定的垫付规则分析该客户的投保信息，确定针对该客户进行投保费用的垫付是否存在欺诈风险，其中，投保信息包括投保机构名称、投保类型、投保费用；
若确定针对该客户进行投保费用的垫付不存在欺诈风险，则根据预先确定的出单规则分析投保类型及所述投保费用，自动完成投保费用的垫付，并生成保单和还款通知单；或者，向投保机构的上级机构发送针对该客户进行 投保费用的垫付审查请求，并在收到上级机构返回的垫付指令后，完成针对该客户的投保费用的垫付，并生成保单和还款通知单；
将保单和所述还款通知单发送至预先确定的业务终端。
在本实施例中，在收到一个针对远程承保的客户进行保单的出单指令后，利用预先确定的垫付规则分析该客户的投保信息，其中，投保信息包括投保机构，需要说明的是，投保机构指的是机构的级别，例如，上海、浙江等大型的省或者直辖市所在的投保机构为二级机构，或者，杭州、绍兴、温州等市所在的投保机构为三级机构，可以理解的是，保单信息通常还包括第一身份标识信息，例如，身份证号码、手机号码、以及姓名等，以及保单生效日期，在本实施例中，投保类型为，例如，车险的商业险、交强险、意外险、财产险、重疾险、以及理财险等。且在本实施例中，出单指令包括出单日期，例如，系统默认为收到出单指令的当前日期为出单日期。在根据预先确定的垫付规则分析了该客户的投保信息之后，确定针对该客户进行投保费用的垫付是否存在欺诈风险。
其中，预先确定的垫付规则包括：将第一身份识别信息(例如，身份证号码、手机号码、姓名等)与投保机构对应的总部机构预先确定的第一黑名单中的各个第二身份标识信息(例如，身份证号码、手机号码、姓名等)进行匹配，需要说明的是，若投保机构为机构总部，则将第一身份标识信息与机构总部预先确定的第一黑名单中的各个第二身份标识信息进行匹配，进一步需要说的是，第一黑名单中记录的各个第二身份标识信息对应的客户均是高风险客户，这些客户通常都是征信不达标、出现过巨额欠款、或者进行过金融诈骗的客户。若有第二身份识别信息与第一身份识别信息相匹配，则确定针对该客户进行投保费用的垫付存在的欺诈风险；
若各个第二身份识别信息与第一身份识别信息均不匹配，则将第一身份识别信息与投保机构预先确定的第二黑名单中的各个第三身份标识信息(例如，身份证号码、手机号码、姓名等)进行匹配，需要说明的是，这步判断 规则主要是针对投保机构的级别小于机构总部的投保机构进行设定的规则，例如，二级机构或者三级机构，在根据机构总部预先确定第一黑名单判断之后，还需要根据自己预先确定的第二黑名单进行判断，若有第三身份识别信息与第一身份识别信息相匹配，则确定针对该客户进行投保费用的垫付存在欺诈风险；
若各个第三身份识别信息与第一身份识别信息均不匹配，则计算出单日期与保单生效日期之间的日期差值，若出单日期与保单生效日期之间的日期差值小于或等于预设的日期差值，例如，2天，则确定针对该客户进行投保费用的垫付存在欺诈风险，例如，车险投保单是2017年8月10日生效的，若在8月7日之后提出出单请求，则有可能存在欺诈风险，本实施例的垫付规则规定在8月8日-8月10日不能使用垫付这种方式，如果非要要求在8月9日出单，则可以要求客户换成其他的支付方式，比如微信支付、银行转账等方式进行支付。若出单日期与保单生效日期之间的日期差值大于预设的日期差值，则确定针对该客户进行投保费用的垫付不存在欺诈风险。
接下来，根据预先确定的出单规则分析投保类型及投保费用，具体地，将投保类型与投保机构预先确定的垫付类型进行匹配，若没有投保机构预先确定的垫付类型与该客户的投保类型相匹配，则向投保机构的上级机构发送针对该客户进行投保费用的垫付审查请求，可以理解的是，通常，每个机构的垫付类型是相同的，但是对于机构总部可能具有一些垫付特权，所以针对一般(不是机构总部)的投保机构如果出现与该投保机构的垫付类型不匹配的投保类型，则需要经过上级投保机构的确认。
若有投保机构预先确定的垫付类型与该客户的投保类型相匹配，则将投保费用与投保机构预设的垫付金额范围进行比较，可以理解的是，根据投保机构对应的级别不同，预设的垫付金额范围一般不同，例如，二级投保机构的垫付金额范围一般大于三级机构的垫付金额范围。若投保费用大于投保机构预设的垫付金额范围，则向投保机构的上级机构发送针对该客户进行投保 费用的垫付审查请求；若投保费用属于投保机构预设的垫付金额范围，则自动完成投保费用的垫付，并生成保单和还款通知单，将保单和还款通知单发送至预先确定的业务终端。
或者，在另一种实施例中，若有投保机构预先确定的垫付类型与投保类型相匹配，且投保费用不属于投保机构预先确定的垫付金额范围，则向投保机构的上级机构发送针对该客户进行投保费用的垫付审查请求，并在收到上级机构返回的垫付指令后，完成针对该客户的所述投保费用的垫付，并生成保单和还款通知单，将保单和还款通知单发送至预先确定的业务终端。
可以理解地是，若确定针对该客户进行投保费用的垫付存在欺诈风险，则根据投保信息自动生成投保协议以及投保费用的缴费通知单，并将投保协议及缴费通知单发送至预先确定的业务终端。
进一步需要说明的是，在本实施例中，自动生成的保单带有投保机构的第一电子印章，且还款通知单带有投保机构的财务部门的第二电子印章；投保协议带有投保机构的第一电子印章，且缴费通知单带有投保机构的财务部门的第二电子印章。
上述实施例提出的电子装置，在收到一个针对远程承保的客户进行保单的出单指令后，利用预先确定的垫付规则分析该客户的投保信息，确定针对该客户进行投保费用的垫付是否存在欺诈风险，并在确定针对该客户进行投保费用的垫付不存在欺诈风险后根据预先确定的出单规则分析投保类型及投保费用，自动完成投保费用的垫付，并生成保单和还款通知单；或者，向投保机构的上级机构发送针对该客户进行投保费用的垫付审查请求，并在收到上级机构返回的垫付指令后，完成针对该客户的所述投保费用的垫付，并生成保单和还款通知单；将保单和还款通知单发送至预先确定的业务终端。减少了配送成本、提高了出单准确率、以及客户的体验效果。
可选地，在其他实施例中，远程保单的出单程序依据其各部分所实现的功能不同，可用具有相同功能的一个或多个虚拟的程序模块进行描述。
请参阅图2所示，是本申请远程保单的出单程序较佳实施例的程序模块示意图。本实施例中，依据远程保单的出单程序各部分所实现的功能不同，将远程保单的出单程序进行分割成分析模块201、生成模块202、发送模块203。本实施例提出的模块201-203所实现的功能或操作步骤均与上文类似，此处不再详述，示例性地，例如，其中，
分析模块201用于在收到一个针对远程承保的客户进行保单的出单指令后，利用预先确定的垫付规则分析该客户的投保信息，确定针对该客户进行投保费用的垫付是否存在欺诈风险，其中，投保信息包括投保机构名称、投保类型、投保费用；
生成模块202用于若确定针对该客户进行投保费用的垫付不存在欺诈风险，则根据预先确定的出单规则分析所述投保类型及所述投保费用，自动完成所述投保费用的垫付，并生成保单和还款通知单；或者，向所述投保机构的上级机构发送针对该客户进行所述投保费用的垫付审查请求，并在收到上级机构返回的垫付指令后，完成针对该客户的所述投保费用的垫付，并生成保单和还款通知单；
发送模块203用于将保单和还款通知单发送至预先确定的业务终端。
此外，本申请还提供一种远程保单的出单方法。请参照图3所示，为本申请远程保单的出单方法较佳实施例的实施流程图。该方法可以由一个装置执行，该装置可以由软件和/或硬件实现。
在本实施例中，远程保单的出单方法包括：
步骤S301，在收到一个针对远程承保的客户进行保单的出单指令后，利用预先确定的垫付规则分析该客户的投保信息，确定针对该客户进行投保费用的垫付是否存在欺诈风险，其中，投保信息包括投保机构名称、投保类型、投保费用；
步骤S302，若确定针对该客户进行投保费用的垫付不存在欺诈风险，则根据预先确定的出单规则分析投保类型及所述投保费用，自动完成投保费用的垫付，并生成保单和还款通知单；
步骤S302，将保单和所述还款通知单发送至预先确定的业务终端。
在本实施例中，在收到一个针对远程承保的客户进行保单的出单指令后，利用预先确定的垫付规则分析该客户的投保信息，其中，投保信息包括投保机构，需要说明的是，投保机构指的是机构的级别，例如，上海、浙江等大型的省或者直辖市所在的投保机构为二级机构，或者，杭州、绍兴、温州等市所在的投保机构为三级机构，可以理解的是，保单信息通常还包括第一身份标识信息，例如，身份证号码、手机号码、以及姓名等、以及保单生效日期，在本实施例中，投保类型为，例如，车险的商业险、交强险、意外险、财产险、重疾险、以及理财险等。且在本实施例中，出单指令包括出单日期，例如，系统默认为收到出单指令的当前日期为出单日期。在根据预先确定的垫付规则分析了该客户的投保信息之后，确定针对该客户进行投保费用的垫付是否存在欺诈风险。
其中，预先确定的垫付规则包括：将第一身份识别信息(例如，身份证号码、手机号码、姓名等)与投保机构对应的总部机构预先确定的第一黑名单中的各个第二身份标识信息(例如，身份证号码、手机号码、姓名等)进行匹配，需要说明的是，若投保机构为机构总部，则将第一身份标识信息与机构总部预先确定的第一黑名单中的各个第二身份标识信息进行匹配，进一步需要说的是，第一黑名单中记录的各个第二身份标识信息对应的客户均是高风险客户，这些客户通常都是征信不达标、出现过巨额欠款、或者进行过金融诈骗的客户。若有第二身份识别信息与第一身份识别信息相匹配，则确定针对该客户进行投保费用的垫付存在的欺诈风险；
若各个第二身份识别信息与第一身份识别信息均不匹配，则将第一身份识别信息与投保机构预先确定的第二黑名单中的各个第三身份标识信息(例 如，身份证号码、手机号码、姓名等)进行匹配，需要说明的是，这步判断规则主要是针对投保机构的级别小于机构总部的投保机构进行设定的规则，例如，二级机构或者三级机构，在根据机构总部预先确定第一黑名单判断之后，还需要根据自己预先确定的第二黑名单进行判断，若有第三身份识别信息与第一身份识别信息相匹配，则确定针对该客户进行投保费用的垫付存在欺诈风险；
若各个第三身份识别信息与第一身份识别信息均不匹配，则计算出单日期与保单生效日期之间的日期差值，若出单日期与保单生效日期之间的日期差值小于或等于预设的日期差值，例如，2天，则确定针对该客户进行投保费用的垫付存在欺诈风险，例如，车险投保单是2017年8月10日生效的，若在8月7日之后提出出单请求，则有可能存在欺诈风险，本实施例的垫付规则规定在8月8日-8月10日不能使用垫付这种方式，如果非要要求在8月9日出单，则可以要求客户换成其他的支付方式，比如微信支付、银行转账等方式进行支付。若出单日期与保单生效日期之间的日期差值大于预设的日期差值，则确定针对该客户进行投保费用的垫付不存在欺诈风险。
接下来，根据预先确定的出单规则分析投保类型及投保费用，具体地，将投保类型与投保机构预先确定的各个垫付类型进行匹配，若没有投保机构预先确定的垫付类型与该客户的投保类型相匹配，则向投保机构的上级机构发送针对该客户进行投保费用的垫付审查请求，可以理解的是，通常，每个机构的垫付类型是相同的，但是对于机构总部可能具有一些垫付特权，所以针对一般(不是机构总部)的投保机构如果出现与该投保机构的垫付类型不匹配的投保类型，则有可能是存在欺诈，需要经过上级投保机构的确认。
若有投保机构预先确定的垫付类型与该客户的投保类型相匹配，则将投保费用与投保机构预设的垫付金额范围进行比较，可以理解的是，根据投保机构对应的级别不同，预设的垫付金额范围一般不同，例如，二级投保机构的垫付金额范围一般大于三级机构的垫付金额范围。若投保费用大于投保机 构预设的垫付金额范围，则向投保机构的上级机构发送针对该客户进行投保费用的垫付审查请求；若投保费用属于投保机构预设的垫付金额范围 ，且投保机构预先确定的各个垫付类型中有与该客户对应的垫付类型相匹配，则自动完成投保费用的垫付，并生成保单和还款通知单，将保单和还款通知单发送至预先确定的业务终端。
或者，在另一种实施例中，若有投保机构预先确定的垫付类型与投保类型相匹配，且投保费用不属于投保机构预先确定的垫付金额范围，则向投保机构的上级机构发送针对该客户进行投保费用的垫付审查请求，并在收到上级机构返回的垫付指令后，完成针对该客户的所述投保费用的垫付，并生成保单和还款通知单，将保单和还款通知单发送至预先确定的业务终端。
可以理解地是，若确定针对该客户进行投保费用的垫付存在欺诈风险，则根据投保信息自动生成投保协议以及投保费用的缴费通知单，并将投保协议及缴费通知单发送至预先确定的业务终端。
进一步需要说明的是，在本实施例中，自动生成的保单带有投保机构的第一电子印章，且还款通知单带有投保机构的财务部门的第二电子印章；投保协议带有投保机构的第一电子印章，且缴费通知单带有投保机构的财务部门的第二电子印章。
上述实施例提出的远程保单出单方法，在收到一个针对远程承保的客户进行保单的出单指令后，利用预先确定的垫付规则分析该客户的投保信息，确定针对该客户进行投保费用的垫付是否存在欺诈风险，并在确定针对该客户进行投保费用的垫付不存在欺诈风险后，根据预先确定的出单规则分析投保类型及投保费用，自动完成投保费用的垫付，并生成保单和还款通知单；或者，向投保机构的上级机构发送针对该客户进行投保费用的垫付审查请求，并在收到上级机构返回的垫付指令后，完成针对该客户的所述投保费用的垫付，并生成保单和还款通知单；将保单和还款通知单发送至预先确定的业务终端。。减少了配送成本、提高了出单效率、以及客户的体验效果。
此外，本申请实施例还提出一种计算机可读存储介质，该计算机可读存储介质上存储有远程保单出单程序，该远程保单出单程序被处理器执行时实现如下操作：
在收到一个针对远程承保的客户进行保单的出单指令后，利用预先确定的垫付规则分析该客户的投保信息，确定针对该客户进行投保费用的垫付是否存在欺诈风险，其中，投保信息包括投保机构名称、投保类型、投保费用；
若确定针对该客户进行投保费用的垫付不存在欺诈风险，则根据根据预先确定的出单规则分析所述投保类型及所述投保费用，自动完成所述投保费用的垫付，并生成保单和还款通知单；或者，向所述投保机构的上级机构发送针对该客户进行所述投保费用的垫付审查请求，并在收到上级机构返回的垫付指令后，完成针对该客户的所述投保费用的垫付，并生成保单和还款通知单；
将保单和还款通知单发送至预先确定的业务终端。
进步一步地，该远程保单出单程序被处理器执行时还实现如下操作：
若确定针对该客户进行投保费用的垫付存在欺诈风险，则根据投保信息自动生成投保协议以及投保费用的缴费通知单，并将投保协议及所述缴费通知单发送至预先确定的业务终端。
本申请计算机可读存储介质具体实施方式与上述电子装置和远程保单的出单方法各实施例基本相同，在此不作累述。
上述本申请实施例序号仅仅为了描述，不代表实施例的优劣。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质(如ROM/RAM、磁碟、光盘)中，包括若干指令用以使得一台终端设备(可以是手机，计算机，服务器， 空调器，或者网络设备等)执行本申请各个实施例所述的方法。
以上仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本申请的专利保护范围内。

Claims (20)

  1. 一种电子装置，其特征在于，所述电子装置包括存储器、及与所述存储器连接的处理器，所述处理器用于执行所述存储器上存储的远程保单的出单程序，所述远程保单的出单程序被所述处理器执行时实现如下步骤：
    在收到一个针对远程承保的客户进行保单的出单指令后，利用预先确定的垫付规则分析该客户的投保信息，确定针对该客户进行投保费用的垫付是否存在欺诈风险，其中，所述投保信息包括投保机构、投保类型、投保费用；
    若确定针对该客户进行所述投保费用的垫付不存在欺诈风险，则根据预先确定的出单规则分析所述投保类型及所述投保费用，自动完成所述投保费用的垫付，并生成保单和还款通知单，或者，向所述投保机构的上级机构发送针对该客户进行所述投保费用的垫付审查请求，并在收到所述上级机构返回的垫付指令后，完成针对该客户的所述投保费用的垫付，并生成保单和还款通知单；
    将所述保单和所述还款通知单发送至预先确定的业务终端。
  2. 如权利要求1所述的电子装置，其特征在于，所述远程保单的出单程序被所述处理器执行时还实现如下步骤：
    若确定针对该客户进行所述投保费用的垫付存在欺诈风险，则根据所述投保信息自动生成投保协议以及所述投保费用的缴费通知单，并将所述投保协议及所述缴费通知单发送至预先确定的业务终端。
  3. 如权利要求1所述的电子装置，其特征在于，所述投保信息还包括第一身份标识信息和保单生效日期，所述出单指令包括出单日期，所述预先确定的垫付规则包括：
    将所述第一身份识别信息与预先确定的第一黑名单中的各个第二身份标识信息进行匹配，若有第二身份识别信息与所述第一身份识别信息相匹配，则确定针对该客户进行投保费用的垫付存在的欺诈风险，所述第一黑名单为所述投保机构所属的总部机构预先确定的黑名单；
    若没有所述第二身份识别信息与所述第一身份识别信息相匹配，则将所述第一身份识别信息与预先确定的第二黑名单中的各个第三身份标识信息进行匹配，若有第三身份识别信息与所述第一身份识别信息相匹配，则确定针对该客户进行投保费用的垫付存在欺诈风险，所述第二黑名单为所述投保机构预先确定的黑名单；
    若没有所述第三身份识别信息与所述第一身份识别信息相匹配，则计算所述出单日期与所述保单生效日期之间的日期差值，若计算的日期差值小于或等于预设的日期差值，则确定针对该客户进行投保费用的垫付存在欺诈风险；
    若计算的日期差值大于预设的日期差值，则确定针对该客户进行投保费用的垫付不存在欺诈风险。
  4. 如权利要求1所述的电子装置，其特征在于，所述预先确定的出单规则包括：
    将所述投保类型与所述投保机构预先确定的垫付类型进行匹配；
    若所述投保类型与所述投保机构预先确定的各个垫付类型均不匹配，则向所述投保机构的上级机构发送针对该客户进行投保费用的垫付审查请求，或者，若有所述投保机构预先确定的垫付类型与所述投保类型相匹配，则将所述投保费用与所述投保机构预设的垫付金额范围进行比较；
    若所述投保费用属于所述投保机构预设的垫付金额范围，则自动完成所述投保费用的垫付，并生成保单和还款通知单，或者，若所述投保费用不属于所述投保机构预先确定的垫付金额范围，则向所述投保机构的上级机构发送针对该客户进行投保费用的垫付审查请求。
  5. 如权利要求3所述的电子装置，其特征在于，所述第一身份标识信息包括身份证号码、手机号码、及姓名。
  6. 如权利要求3所述的电子装置，其特征在于，所述第二身份标识信息包括身份证号码、手机号码、及姓名。
  7. 如权利要求3所述的电子装置，其特征在于，所述第三身份标识信息包括身份证号码、手机号码、及姓名。
  8. 一种远程保单的出单方法，其特征在于，所述方法包括如下步骤：
    在收到一个针对远程承保的客户进行保单的出单指令后，利用预先确定的垫付规则分析该客户的投保信息，确定针对该客户进行投保费用的垫付是否存在欺诈风险，其中，所述投保信息包括投保机构、投保类型、投保费用；
    若确定针对该客户进行所述投保费用的垫付不存在欺诈风险，则根据预先确定的出单规则分析所述投保类型及所述投保费用，自动完成所述投保费用的垫付，并生成保单和还款通知单，或者，向所述投保机构的上级机构发送针对该客户进行所述投保费用的垫付审查请求，并在收到所述上级机构返回的垫付指令后，完成针对该客户的所述投保费用的垫付，并生成保单和还款通知单。
  9. 如权利要求8所述的远程保单的出单方法，其特征在于，所述方法还包括如下步骤：
    若确定针对该客户进行所述投保费用的垫付存在欺诈风险，则根据所述投保信息自动生成投保协议以及所述投保费用的缴费通知单，并将所述投保协议及所述缴费通知单发送至预先确定的业务终端。
  10. 如权利要求8所述的远程保单的出单方法，其特征在于，所述投保信息还包括第一身份标识信息和保单生效日期，所述出单指令包括出单日期，所述预先确定的垫付规则包括：
    将所述第一身份识别信息与预先确定的第一黑名单中的各个第二身份标识信息进行匹配，若有第二身份识别信息与所述第一身份识别信息相匹配，则确定针对该客户进行投保费用的垫付存在的欺诈风险，所述第一黑名单为所述投保机构所属的总部机构预先确定的黑名单；
    若没有所述第二身份识别信息与所述第一身份识别信息相匹配，则将所述第一身份识别信息与预先确定的第二黑名单中的各个第三身份标识信息进 行匹配，若有第三身份识别信息与所述第一身份识别信息相匹配，则确定针对该客户进行投保费用的垫付存在欺诈风险，所述第二黑名单为所述投保机构预先确定的黑名单；
    若没有所述第三身份识别信息与所述第一身份识别信息相匹配，则计算所述出单日期与所述保单生效日期之间的日期差值，若计算的日期差值小于或等于预设的日期差值，则确定针对该客户进行投保费用的垫付存在欺诈风险；
    若计算的日期差值，确定针对该客户进行投保费用的垫付不存在欺诈风险。
  11. 如权利要求8所述的远程保单的出单方法，其特征在于，所述预先确定的出单规则包括：
    将所述投保类型与所述投保机构预先确定的垫付类型进行匹配；
    若所述投保类型与所述投保机构预先确定的各个垫付类型均不匹配，则向所述投保机构的上级机构发送针对该客户进行投保费用的垫付审查请求，或者，若有所述投保机构预先确定的垫付类型与所述投保类型相匹配，则将所述投保费用与所述投保机构预设的垫付金额范围进行比较；
    若所述投保费用属于所述投保机构预设的垫付金额范围，则自动完成所述投保费用的垫付，并生成保单和还款通知单，或者，若所述投保费用不属于所述投保机构预先确定的垫付金额范围，则向所述投保机构的上级机构发送针对该客户进行投保费用的垫付审查请求。
  12. 如权利要求10所述的远程保单的出单方法，其特征在于，所述第一身份标识信息包括身份证号码、手机号码、及姓名。
  13. 如权利要求10所述的远程保单的出单方法，其特征在于，所述第二身份标识信息包括身份证号码、手机号码、及姓名。
  14. 如权利要求10所述的远程保单的出单方法，其特征在于，所述第三身份标识信息包括身份证号码、手机号码、及姓名。
  15. 一种计算机可读存储介质，所述计算机可读存储介质存储有远程保单的出单程序，所述远程保单的出单程序可被至少一个处理器执行，以使所述至少一个处理器执行如下步骤：
    在收到一个针对远程承保的客户进行保单的出单指令后，利用预先确定的垫付规则分析该客户的投保信息，确定针对该客户进行投保费用的垫付是否存在欺诈风险，其中，所述投保信息包括投保机构、投保类型、投保费用；
    若确定针对该客户进行所述投保费用的垫付不存在欺诈风险，则根据预先确定的出单规则分析所述投保类型及所述投保费用，自动完成所述投保费用的垫付，并生成保单和还款通知单，或者，向所述投保机构的上级机构发送针对该客户进行所述投保费用的垫付审查请求，并在收到所述上级机构返回的垫付指令后，完成针对该客户的所述投保费用的垫付，并生成保单和还款通知单。
  16. 如权利要求15所述的存储介质，其特征在于，所述远程保单的出单程序可被至少一个处理器执行，以使所述至少一个处理器还执行如下步骤：
    若确定针对该客户进行所述投保费用的垫付存在欺诈风险，则根据所述投保信息自动生成投保协议以及所述投保费用的缴费通知单，并将所述投保协议及所述缴费通知单发送至预先确定的业务终端。
  17. 如权利要求15所述的存储介质，其特征在于，所述投保信息还包括第一身份标识信息和保单生效日期，所述出单指令包括出单日期，所述预先确定的垫付规则包括：
    将所述第一身份识别信息与预先确定的第一黑名单中的各个第二身份标识信息进行匹配，若有第二身份识别信息与所述第一身份识别信息相匹配，则确定针对该客户进行投保费用的垫付存在的欺诈风险，所述第一黑名单为所述投保机构所属的总部机构预先确定的黑名单；
    若没有所述第二身份识别信息与所述第一身份识别信息相匹配，则将所述第一身份识别信息与预先确定的第二黑名单中的各个第三身份标识信息进 行匹配，若有第三身份识别信息与所述第一身份识别信息相匹配，则确定针对该客户进行投保费用的垫付存在欺诈风险，所述第二黑名单为所述投保机构预先确定的黑名单；
    若没有所述第三身份识别信息与所述第一身份识别信息相匹配，则计算所述出单日期与所述保单生效日期之间的日期差值，若计算的日期差值小于或等于预设的日期差值，则确定针对该客户进行投保费用的垫付存在欺诈风险；
    若计算的日期差值，确定针对该客户进行投保费用的垫付不存在欺诈风险。
  18. 如权利要求15所述的存储介质，其特征在于，所述预先确定的出单规则包括：
    将所述投保类型与所述投保机构预先确定的垫付类型进行匹配；
    若所述投保类型与所述投保机构预先确定的各个垫付类型均不匹配，则向所述投保机构的上级机构发送针对该客户进行投保费用的垫付审查请求，或者，若有所述投保机构预先确定的垫付类型与所述投保类型相匹配，则将所述投保费用与所述投保机构预设的垫付金额范围进行比较；
    若所述投保费用属于所述投保机构预设的垫付金额范围，则自动完成所述投保费用的垫付，并生成保单和还款通知单，或者，若所述投保费用不属于所述投保机构预先确定的垫付金额范围，则向所述投保机构的上级机构发送针对该客户进行投保费用的垫付审查请求。
  19. 如权利要求17所述的存储介质，其特征在于，所述第一身份标识信息包括身份证号码、手机号码、及姓名。
  20. 如权利要求17所述的存储介质，其特征在于，所述第二身份标识信息包括身份证号码、手机号码、及姓名。
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