CN110009507A - A kind of insurance transaction processing method and device - Google Patents
A kind of insurance transaction processing method and device Download PDFInfo
- Publication number
- CN110009507A CN110009507A CN201811429305.9A CN201811429305A CN110009507A CN 110009507 A CN110009507 A CN 110009507A CN 201811429305 A CN201811429305 A CN 201811429305A CN 110009507 A CN110009507 A CN 110009507A
- Authority
- CN
- China
- Prior art keywords
- declaration form
- insurance
- management
- rule
- transaction
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- 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
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
-
- 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
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Technology Law (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Disclose a kind of insurance transaction processing method and device.A kind of insurance transaction processing method, this method comprises: determining that declaration form generation strategy corresponding with the insurance kind, the declaration form generation strategy include: that the insurance kind generates the declaration form dimension used when declaration form according to the insurance kind of target insurance transaction；According to the declaration form generation strategy, check under the declaration form dimension whether the declaration form of the existing insurance kind；In the case where declaration form is not present, the declaration form of the insurance kind is generated under the declaration form dimension, and the management rule of the declaration form is generated according to the Transaction Information of target insurance transaction；In the case where existing declaration form, the management rule of the declaration form is updated according to the Transaction Information of target insurance transaction, to be managed by the declaration form to target insurance transaction.
Description
Technical field
This specification embodiment is related to technical field of internet application more particularly to a kind of insurance transaction processing method and dress
It sets.
Background technique
New and high technology is constantly progressive, and promotes financial innovation while pushing economic development.Internet finance is increasingly
Perfect, user can realize on line to be formerly only available the online lower dealing commodity carried out, financing investment, borrows money etc..Correspondingly,
Insurance company also develops more insurances for being applied to Internet scene, such as the order danger of seller, for the fortune of buyer
Take danger, for insurance of investor etc., is used to help the new risk of uncertain bring that user evades online trading, ensures and use
The interests when online trading of family.
In the prior art to the management of internet insurance, the management method of traditional insurance is generally still continued to use, is such as directed to every
Insure 1 declaration form of transaction creation, and each declaration form have it is independent insure, pay the fees, process of settling a claim.But internet insurance one
As have the characteristics that fragmentation, premium amount be low, transaction frequency height etc. is different from traditional insurance, by taking order danger as an example, if certain is electric
More than one hundred million transaction transaction occur every year for quotient's transaction platform, then nearly trade there may be more than one hundred million secondary orders and protect to generate more than one hundred million
Singly, the quantitative surge of this declaration form and fragmentation are managed more manpower is consumed with physics, and the efficiency of management is more
Lowly.
Summary of the invention
In view of the above technical problems, this specification embodiment provides a kind of insurance transaction processing method and device, technical side
Case is as follows:
A kind of insurance transaction processing method, this method comprises:
According to the insurance kind of target insurance transaction, determine that declaration form generation strategy corresponding with the insurance kind, the declaration form generate
Strategy includes: that the insurance kind generates the declaration form dimension used when declaration form；
According to the declaration form generation strategy, check under the declaration form dimension whether the declaration form of the existing insurance kind；
In the case where declaration form is not present, the declaration form of the insurance kind is generated under the declaration form dimension, and according to the mesh
The Transaction Information of mark insurance transaction generates the management rule of the declaration form；
In the case where existing declaration form, the management of the declaration form is updated according to the Transaction Information of target insurance transaction
Rule, to be managed by the declaration form to target insurance transaction；
Wherein, the management rule is managed for each insurance transaction corresponding to declaration form.
A kind of insurance traction processing apparatus, the device include:
Tactful determining module determines that declaration form corresponding with the insurance kind generates for the insurance kind according to target insurance transaction
Strategy, the declaration form generation strategy include: that the insurance kind generates the declaration form dimension used when declaration form；
Declaration form checks module, for according to the declaration form generation strategy, check under the declaration form dimension whether existing institute
State the declaration form of insurance kind；
Declaration form generation module, for generating the insurance kind under the declaration form dimension in the case where declaration form is not present
Declaration form, and the management rule that the Transaction Information traded generates the declaration form is insured according to the target；
Policy Updates module, the Transaction Information for being traded in the case where existing declaration form according to target insurance
The management rule of the declaration form is updated, to be managed by the declaration form to target insurance transaction；
Wherein, the management rule is managed for each insurance transaction corresponding to declaration form.
Technical solution provided by this specification embodiment, no longer using 1 traditional insurance 1 declaration form of order creation
Mode, but different strategies is set for different insurance kinds, it include generating the dimension of declaration form, such as the generation of order danger is tieed up in strategy
Degree can be " seller ", i.e. 1 seller only generates 1 declaration form, and the corresponding order of the All Activity of the seller is nearly included in this
In declaration form, the management such as the order under the declaration form nearly can uniformly be paid the fees, be settled a claim, to reach the mesh for reducing declaration form quantity
, realize the effect for improving the declaration form efficiency of management, improving insurer's user experience.
It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not
This specification embodiment can be limited.
In addition, any embodiment in this specification embodiment does not need to reach above-mentioned whole effects.
Detailed description of the invention
In order to illustrate more clearly of this specification embodiment or technical solution in the prior art, below will to embodiment or
Attached drawing needed to be used in the description of the prior art is briefly described, it should be apparent that, the accompanying drawings in the following description is only
The some embodiments recorded in this specification embodiment for those of ordinary skill in the art can also be attached according to these
Figure obtains other attached drawings.
Fig. 1 is the flow diagram of the insurance transaction processing method of this specification embodiment；
Fig. 2 is the management structural schematic diagram that the order of this specification embodiment is nearly traded with declaration form；
Fig. 3 is the structural schematic diagram of the insurance traction processing apparatus of this specification embodiment；
Fig. 4 is the structural schematic diagram of the Policy Updates module of this specification embodiment；
Fig. 5 is the structural schematic diagram of the declaration form generation module of this specification embodiment；
Fig. 6 is the structural schematic diagram for configuring a kind of equipment of this specification embodiment device.
Specific embodiment
In order to make those skilled in the art more fully understand the technical solution in this specification embodiment, below in conjunction with this
Attached drawing in specification embodiment is described in detail the technical solution in this specification embodiment, it is clear that described
Embodiment is only a part of the embodiment of this specification, instead of all the embodiments.The embodiment of base in this manual,
Those of ordinary skill in the art's every other embodiment obtained, all should belong to the range of protection.
For problem of the prior art, this specification embodiment provides a kind of insurance transaction processing method, referring to Fig. 1 institute
Show, this method may comprise steps of:
S101 determines declaration form generation strategy corresponding with the insurance kind, the declaration form according to the insurance kind of target insurance transaction
Generation strategy includes: that the insurance kind generates the declaration form dimension used when declaration form；
It when user buys insurance, will conclude the transaction firstly the need of with insurance institution, and then sign insurance contract, and be formed and corresponded to
Declaration form, insurance scene in, same user (insurer) can reach more transactions with same insurance institution.
By taking material danger as an example, material is insured by seller's payment, and buyer enjoys the insurance for obtaining and paying for equity, and seller once selects
It selects and the insurance kind is added, the goods orders as in shop in each insurance coverage are insured, for example, seller is several in shop
Kind commodity have been insured, and material is dangerous, then every order for generating a dependent merchandise, seller just reach 1 material with insurance institution and nearly hand over
Easily.
In traditional insurance management scheme, for 1 declaration form of every insurance transaction creation, and each declaration form is with independent
It insures, pay the fees, process of settling a claim.But internet insurance generally has the differences such as low, the transaction frequency height of fragmentation, premium amount
In the traditional insurance the characteristics of.
Still by taking material danger as an example, seller may generate tens even up to a hundred goods orders daily, it is corresponding will be with
Insurance company reaches up to a hundred materials and nearly trades, and according to traditional insurance management scheme, will create a declaration forms up to a hundred, and individually into
Row such as is insured, pays the fees, settling a claim at the processes, causes the efficiency of management low.
In the scheme that this specification embodiment provides, different declaration form dimensions is set for different insurance kinds, is reaching 1
When insurance transaction, according to the insurance kind that the insurance is traded, declaration form is generated from corresponding declaration form dimension, if handing over to insure according to dry brush
1 declaration form easily generated, improves the efficiency of management of declaration form.
For example, declaration form dimension can be user's dimension.It is understood that user can refer to natural person, it can also refer to enterprise
Industry, mechanism etc. can also refer to insurant, beneficiary etc., this specification is without limitation furthermore, it is possible to refer to insurer.With order
For danger, the declaration form dimension of the insurance kind can be seller's dimension, i.e., each order of same seller is nearly traded, corresponding to generate 1
A order danger declaration form, so that payment, Claims Resolution for nearly being traded according to the more orders that 1 declaration form uniformly manages the seller etc. are flowed
Journey.
In another example declaration form dimension can be time dimension.By taking freight charges danger as an example, certain electric business platform is to do shopping in the platform
Buyer insures freight charges danger, i.e. 1 purchase order of every generations just reaches 1 freight charges danger transaction, and there may be upper daily for platform
Ten thousand purchase orders, therefore can be with time dimension, nearly transaction corresponds to 1 declaration form of generation to the freight charges reached daily, thus according to 1
The processes such as payment, the Claims Resolution that the more freight charges that a declaration form uniformly manages each buyer are nearly traded.
For another example declaration form dimension can also be insured project dimension, the mutual assistance as certain Platform Alliance insurance institution initiates is protected
Dangerous project can have more people, point participation in more days, i.e., every to generate 1 user for participating in the project, that is, reach 1 mutual assistance and nearly trade,
It therefore can be with project dimension, if nearly transaction corresponds to 1 declaration form of generation to the dry brush mutual assistance in 1 mutual insurance project, thus root
The processes such as payment, the Claims Resolution nearly traded according to the more mutual assistances that 1 declaration form uniformly manages each user.
S102, according to the declaration form generation strategy, check under the declaration form dimension whether the declaration form of the existing insurance kind；
As described above, if insuring transaction with the dry brush under dimension, 1 declaration form is generated by corresponding, therefore, it is necessary first to
It checks and whether has generated declaration form under the dimension.
It is when certain seller generates 1 transaction order, i.e., corresponding to reach the nearly transaction of 1 order still by taking order danger as an example, and really
In the declaration form generation strategy for determining order danger, declaration form dimension is seller's dimension, then can check the whether existing order danger of the seller
Declaration form.
S103 generates the declaration form of the insurance kind, and according to institute in the case where declaration form is not present under the declaration form dimension
The Transaction Information for stating target insurance transaction generates the management rule of the declaration form；
The management rule is managed for each insurance transaction corresponding to declaration form, in a kind of specific reality of this specification
It applies in mode, can also include: the pipe of the corresponding each insurance transaction of the generated declaration form of the insurance kind in the declaration form generation strategy
Manage dimension.
In one example, the declaration form of the insurance kind is generated under the declaration form dimension, and is insured according to the target and handed over
When easy Transaction Information generates the management rule of the declaration form, the guarantor of the insurance kind can be generated under the declaration form dimension first
It is single, and according to the declaration form generation strategy, determine the management dimension of the target insurance transaction.Then according to identified management
Dimension, creates the corresponding management group of generated declaration form, includes target insurance transaction in the management group, is protected according to the target
The Transaction Information nearly traded generates the management group rule of the management group, includes the pipe in the management rule of generated declaration form
Reason group rule.
The particular content of management dimension is not limited in this specification embodiment, those skilled in the art can be according to practical need
It asks, flexibly sets declaration form dimension and management dimension.
Still by taking order danger as an example, the declaration form dimension of order danger can be set to user's dimension, and management dimension can be set to
Each daily order specifically can nearly be traded and be included into the same management group by time dimension, and each management group of the seller
Under each order nearly trade, it is corresponding to generate 1 declaration form.
It include the management rule of each management group in the management rule of declaration form, each order in the same management group is nearly handed over
Easily, pass through time, the date of the management group regulation management of the group, such as payment.In addition, can also include other in management rule
Rule is nearly traded for further managing each order, and whether the duration of insurance for such as managing the order danger declaration form of the seller expire, continue
Phase etc..
S104 updates the declaration form according to the Transaction Information of the target insurance transaction in the case where existing declaration form
Management rule, with by the declaration form to the target insurance transaction be managed；
In a kind of specific embodiment of this specification, according to the Transaction Information update of target insurance transaction
The management rule of declaration form can be first according to the guarantor when being managed by the declaration form to target insurance transaction
Single generation strategy, determines the management dimension of target insurance transaction, and check the declaration form under identified management dimension,
With the presence or absence of corresponding management group.
There are management group, the target is insured into transaction, the management group is added, and protected according to the target
The Transaction Information nearly traded updates the management group rule of the management group；
For example, may include the payment amount of money of each pen insurance transaction under the management group, payment date in management group rule
When Deng, more new management group rule, target can be insured to the information such as transaction ID, the payment amount of money of transaction, be added to management group
In rule, to generate payment prompting when needing to pay the fees or to insure transaction payment etc. automatically for this.
In the case where management group is not present, the corresponding management group of the declaration form, and root are created under the management dimension
According to the Transaction Information of target insurance transaction, the management group rule of the management group is generated.
It may include one in following several sub-rules in management rule in another specific embodiment of this specification
Kind is a variety of: payment sub-rule, and the payment sub-rule is used for: determining the payment time and payment gold that managed insurance is traded
Volume；Duration of insurance sub-rule, the duration of insurance sub-rule are used for: whether what determining managed insurance was traded expires, and/or continues
Phase；Publicity sub-rule, the publicity sub-rule are used for: the management information of the insurance transaction managed to publicity, the management letter
Breath includes: payment information, Claims Resolution information duration of insurance information, and/or user credit information.
It is understood that can also distinguish in management group rule if in management rule further including management group rule
Including above-mentioned one or more sub-rules.
For example, not including management dimension in the declaration form generation strategy of insurance kind A, i.e., each pen insurance transaction under the declaration form is not required to
It is in charge of reason group, and may include pay the fees sub-rule, duration of insurance sub-rule, one in publicity sub-rule in the management rule of the declaration form
Kind is a variety of.
And in the declaration form generation strategy of insurance kind B including management dimension, i.e., each pen insurance transaction under the declaration form is according to management
Dimension is divided into several management groups, is managed respectively according to the management group rule of management group, then can also be in each management group rule
Including payment sub-rule, duration of insurance sub-rule, one of publicity sub-rule or a variety of；Or can directly include in management rule
One of payment sub-rule, duration of insurance sub-rule, publicity sub-rule are a variety of；It is of course also possible to include publicity in management rule
Sub-rule, and include payment sub-rule and duration of insurance sub-rule in management group rule；Etc., this specification embodiment does not limit this
It is fixed.
Below with reference to several more specifically examples, the insurance transaction processing method provided this specification is illustrated.
(1) assume target insurance transaction A insurance kind be order danger, determine in order nearly corresponding declaration form generation strategy,
The declaration form dimension used when generating declaration form is seller's dimension.In addition, in declaration form generation strategy, the corresponding each insurance of generated declaration form
The management dimension of transaction is date dimension.
It also, include payment sub-rule in management group rule, specific rules are to pay premium in N day after insuring, management
It include each management group rule and duration of insurance sub-rule in rule, it is 1 that the specific rules of duration of insurance sub-rule, which are the declaration form time limit of seller,
Year.
After reaching 1 order danger transaction as a result, the declaration form of the whether existing order danger of the seller is first checked for, is not being deposited
In the case where declaration form, the order danger declaration form of the seller is generated, and generates the management group of the same day (T days), according to this order danger
The premium X exchange hour of transaction T days and need to paid1Member generates the payment sub-rule of the management group, pays X within specially T+N days1
First premium.
If the same day reaches 1 order and nearly trades again, check under seller's dimension whether the declaration form of existing order danger
It as a result will be that there are declaration forms, and there is corresponding management group on inspection, then by this order, nearly the management group, and root is added in transaction
The premium X exchange hour nearly traded according to this order T days and need to paid2Member updates in the management group rule of the management group
Payment sub-rule, paid X after update for T+N days1+X2First premium.
As it can be seen that as shown in Fig. 2, same management group can be added in the order reached on the same day nearly transaction, according to order nearly friendship
Easy total amount is managed collectively payment date, amount of money etc., and nearly trades for the order of same seller and generate 1 declaration form, from
And duration of insurance etc. is managed collectively, in the case where not influencing original guarantee content, raising duration of insurance is short, insures trading volume greatly
The efficiency of management of order danger.
(2) investor financing platform infusion of financial resources after, borrower can by platform borrow investor fund, and
It is predetermined borrow money expire after Replacement of principal and certain interest, promised to undertake in advance to ensure that investor can withdraw in full amount after expiration
Capital and interest can be insured by loaning bill for every of investor and invest danger.
Assuming that the insurance kind of target insurance transaction B is investment danger, determines with order nearly corresponding declaration form generation strategy, generate
The declaration form dimension used when declaration form is investor's dimension.Also, it include payment sub-rule and duration of insurance sub-rule in management rule,
Specifically, payment sub-rule was borrowed money according to every to insure, it is specified that date for paying the fees and by the premium of loaning bill corresponding proportion
The amount of money, every repayment date borrowed money insuring of basis of duration of insurance sub-rule is, it is specified that corresponding duration of insurance, and according to investor
Setting, it is specified that when the fund is borrowed again whether automatic reinstatement.
Occur after 11 investment danger of borrowing money and reach trades as a result, first check under the investor whether existing throwing
The declaration form for providing danger generates the investment danger declaration form of the investor, and generate the declaration form management rule in the case where declaration form is not present
In payment sub-rule and duration of insurance sub-rule.
After this, which borrows money, to be returned according to scheduled principal and interest, investment danger will also terminate the money for ensureing, and working as the investor
Gold will reach 1 investment danger transaction when lending again, on inspection under investor's dimension whether the declaration form of existing order danger
It as a result will be that there are declaration forms, then the investment danger directly reached according to this corresponds to the amount of money borrowed money and refund the date, more in trading
New payment sub-rule and duration of insurance sub-rule.
As it can be seen that each pen investment danger transaction of same investor, can uniformly by 1 declaration form management of the investor,
When loaning bill happens change, it is only necessary to according to Transaction Informations such as the amount of money of loaning bill, repayment dates, the management rule of declaration form is updated,
The dangerous efficiency of management is flexibly invested in the case where not influencing original guarantee content, improve duration of insurance with premium.
Corresponding to above method embodiment, this specification embodiment also provides a kind of insurance traction processing apparatus, referring to Fig. 3
It is shown, the apparatus may include:
Tactful determining module 110 determines that declaration form corresponding with the insurance kind is raw for the insurance kind according to target insurance transaction
At strategy, the declaration form generation strategy includes: that the insurance kind generates the declaration form dimension used when declaration form；
Whether declaration form checks module 120, for checking existing under the declaration form dimension according to the declaration form generation strategy
The declaration form of the insurance kind；
Declaration form generation module 130, for generating the insurance kind under the declaration form dimension in the case where declaration form is not present
Declaration form, and the management rule of the declaration form is generated according to the Transaction Information of target insurance transaction；
Policy Updates module 140, for being believed in the case where existing declaration form according to the transaction of target insurance transaction
Breath updates the management rule of the declaration form, to be managed by the declaration form to target insurance transaction；
Wherein, the management rule is managed for each insurance transaction corresponding to declaration form.
In a kind of specific embodiment that this specification provides, the declaration form generation strategy can also include:
The management dimension of the corresponding each insurance transaction of the generated declaration form of insurance kind.
In a kind of specific embodiment that this specification provides, shown in Figure 4, the declaration form generation module 130 can
To include:
Declaration form generation unit 131, for generating the declaration form of the insurance kind under the declaration form dimension；
Dimension determination unit 132, for determining the management dimension of the target insurance transaction according to the declaration form generation strategy
Degree；
Management group creating unit 133, for creating the corresponding management of generated declaration form according to identified management dimension
Group includes target insurance transaction in the management group；
Rule generating unit 134 generates the pipe of the management group for the Transaction Information according to target insurance transaction
Reason group is regular, includes the management group rule in the management rule of generated declaration form.
In a kind of specific embodiment that this specification provides, shown in Figure 5, the Policy Updates module 140, packet
It includes:
Dimension determination unit 141, for determining the management dimension of the target insurance transaction according to the declaration form generation strategy
Degree；
Management group inspection unit 142, for checking the declaration form under identified management dimension, if there are corresponding
Management group；
Policy Updates unit 143, for the target being insured transaction, the management being added there are management group
Group, and it is regular according to the management group that the Transaction Information of target insurance transaction updates the management group；
Rule generating unit 144, for creating the guarantor under the management dimension in the case where management group is not present
Single corresponding management group, and according to the Transaction Information of target insurance transaction, generate the management group rule of the management group；
It wherein, include the management group rule in the management rule of the declaration form.
In a kind of specific embodiment that this specification provides, the management rule may include:
Payment sub-rule, the payment sub-rule are used for: determining payment time and the payment gold of managed insurance transaction
Volume；And/or
Duration of insurance sub-rule, the duration of insurance sub-rule are used for: whether what determining managed insurance was traded expires, and/or is
It is no to renew；And/or
Publicity sub-rule, the publicity sub-rule are used for: the management information of the insurance transaction managed to publicity, the pipe
Reason information includes: payment information, Claims Resolution information duration of insurance information, and/or user credit information.
The function of modules and the realization process of effect are specifically detailed in the above method and correspond to step in above-mentioned apparatus
Realization process, details are not described herein.
This specification embodiment also provides a kind of computer equipment, includes at least memory, processor and is stored in
On reservoir and the computer program that can run on a processor, wherein processor realizes insurance above-mentioned when executing described program
Transaction processing method.This method includes at least:
A kind of insurance transaction processing method, this method comprises:
According to the insurance kind of target insurance transaction, determine that declaration form generation strategy corresponding with the insurance kind, the declaration form generate
Strategy includes: that the insurance kind generates the declaration form dimension used when declaration form；
According to the declaration form generation strategy, check under the declaration form dimension whether the declaration form of the existing insurance kind；
In the case where declaration form is not present, the declaration form of the insurance kind is generated under the declaration form dimension, and according to the mesh
The Transaction Information of mark insurance transaction generates the management rule of the declaration form；
In the case where existing declaration form, the management of the declaration form is updated according to the Transaction Information of target insurance transaction
Rule, to be managed by the declaration form to target insurance transaction；
Wherein, the management rule is managed for each insurance transaction corresponding to declaration form.
Fig. 6 shows one kind provided by this specification embodiment and more specifically calculates device hardware structural schematic diagram,
The equipment may include: processor 1010, memory 1020, input/output interface 1030, communication interface 1040 and bus
1050.Wherein processor 1010, memory 1020, input/output interface 1030 and communication interface 1040 are real by bus 1050
The now communication connection inside equipment each other.
Processor 1010 can use general CPU (Central Processing Unit, central processing unit), micro- place
Reason device, application specific integrated circuit (Application Specific Integrated Circuit, ASIC) or one
Or the modes such as multiple integrated circuits are realized, for executing relative program, to realize technical side provided by this specification embodiment
Case.
Memory 1020 can use ROM (Read Only Memory, read-only memory), RAM (Random Access
Memory, random access memory), static storage device, the forms such as dynamic memory realize.Memory 1020 can store
Operating system and other applications are realizing technical solution provided by this specification embodiment by software or firmware
When, relevant program code is stored in memory 1020, and execution is called by processor 1010.
Input/output interface 1030 is for connecting input/output module, to realize information input and output.Input and output/
Module can be used as component Configuration (not shown) in a device, can also be external in equipment to provide corresponding function.Wherein
Input equipment may include keyboard, mouse, touch screen, microphone, various kinds of sensors etc., output equipment may include display,
Loudspeaker, vibrator, indicator light etc..
Communication interface 1040 is used for connection communication module (not shown), to realize the communication of this equipment and other equipment
Interaction.Wherein communication module can be realized by wired mode (such as USB, cable etc.) and be communicated, can also be wirelessly
(such as mobile network, WIFI, bluetooth etc.) realizes communication.
Bus 1050 include an access, equipment various components (such as processor 1010, memory 1020, input/it is defeated
Outgoing interface 1030 and communication interface 1040) between transmit information.
It should be noted that although above equipment illustrates only processor 1010, memory 1020, input/output interface
1030, communication interface 1040 and bus 1050, but in the specific implementation process, which can also include realizing normal fortune
Other assemblies necessary to row.In addition, it will be appreciated by those skilled in the art that, it can also be only comprising real in above equipment
Component necessary to existing this specification example scheme, without including all components shown in figure.
This specification embodiment also provides a kind of computer readable storage medium, is stored thereon with computer program, the journey
Insurance transaction processing method above-mentioned is realized when sequence is executed by processor.This method includes at least:
A kind of insurance transaction processing method, this method comprises:
According to the insurance kind of target insurance transaction, determine that declaration form generation strategy corresponding with the insurance kind, the declaration form generate
Strategy includes: that the insurance kind generates the declaration form dimension used when declaration form；
According to the declaration form generation strategy, check under the declaration form dimension whether the declaration form of the existing insurance kind；
In the case where declaration form is not present, the declaration form of the insurance kind is generated under the declaration form dimension, and according to the mesh
The Transaction Information of mark insurance transaction generates the management rule of the declaration form；
In the case where existing declaration form, the management of the declaration form is updated according to the Transaction Information of target insurance transaction
Rule, to be managed by the declaration form to target insurance transaction；
Wherein, the management rule is managed for each insurance transaction corresponding to declaration form.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices
Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
As seen through the above description of the embodiments, those skilled in the art can be understood that this specification
Embodiment can be realized by means of software and necessary general hardware platform.Based on this understanding, this specification is implemented
Substantially the part that contributes to existing technology can be embodied in the form of software products the technical solution of example in other words,
The computer software product can store in storage medium, such as ROM/RAM, magnetic disk, CD, including some instructions are to make
It is each to obtain computer equipment (can be personal computer, server or the network equipment etc.) execution this specification embodiment
Method described in certain parts of a embodiment or embodiment.
System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity,
Or it is realized by the product with certain function.A kind of typically to realize that equipment is computer, the concrete form of computer can
To be personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play
In device, navigation equipment, E-mail receiver/send equipment, game console, tablet computer, wearable device or these equipment
The combination of any several equipment.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for device reality
For applying example, since it is substantially similar to the method embodiment, so describing fairly simple, related place is referring to embodiment of the method
Part explanation.The apparatus embodiments described above are merely exemplary, wherein described be used as separate part description
Module may or may not be physically separated, can be each module when implementing this specification example scheme
Function realize in the same or multiple software and or hardware.Can also select according to the actual needs part therein or
Person's whole module achieves the purpose of the solution of this embodiment.Those of ordinary skill in the art are not the case where making the creative labor
Under, it can it understands and implements.
The above is only the specific embodiment of this specification embodiment, it is noted that for the general of the art
For logical technical staff, under the premise of not departing from this specification embodiment principle, several improvements and modifications can also be made, this
A little improvements and modifications also should be regarded as the protection scope of this specification embodiment.
Claims (11)
1. a kind of insurance transaction processing method, this method comprises:
According to the insurance kind of target insurance transaction, declaration form generation strategy corresponding with the insurance kind, the declaration form generation strategy are determined
It include: that the insurance kind generates the declaration form dimension used when declaration form；
According to the declaration form generation strategy, check under the declaration form dimension whether the declaration form of the existing insurance kind；
In the case where declaration form is not present, the declaration form of the insurance kind is generated under the declaration form dimension, and protect according to the target
The Transaction Information nearly traded generates the management rule of the declaration form；
In the case where existing declaration form, advised according to the management that the Transaction Information of target insurance transaction updates the declaration form
Then, to be managed by the declaration form to target insurance transaction；
Wherein, the management rule is managed for each insurance transaction corresponding to declaration form.
2. according to the method described in claim 1, the declaration form generation strategy, further includes:
The management dimension of the corresponding each insurance transaction of the generated declaration form of insurance kind.
3. according to the method described in claim 2, the declaration form for generating the insurance kind under the declaration form dimension, and according to institute
The Transaction Information for stating target insurance transaction generates the management rule of the declaration form, comprising:
The declaration form of the insurance kind is generated under the declaration form dimension；
According to the declaration form generation strategy, the management dimension of the target insurance transaction is determined；
According to identified management dimension, the corresponding management group of generated declaration form is created, includes that the target is protected in the management group
Danger transaction；
According to the Transaction Information of target insurance transaction, the management group rule of the management group, the pipe of generated declaration form are generated
It include the management group rule in reason rule.
4. according to the method described in claim 2, the Transaction Information according to target insurance transaction updates the declaration form
Management rule, with by the declaration form to the target insurance transaction be managed, comprising:
According to the declaration form generation strategy, the management dimension of the target insurance transaction is determined；
Check the declaration form under identified management dimension, if there are corresponding management groups；
There are management group, the target is insured into transaction, the management group is added, and insured according to the target and handed over
Easy Transaction Information updates the management group rule of the management group；
In the case where management group is not present, the corresponding management group of the declaration form is created under the management dimension, and according to institute
The Transaction Information for stating target insurance transaction generates the management group rule of the management group；
It wherein, include the management group rule in the management rule of the declaration form.
5. according to the method described in claim 1, the management rule, comprising:
Payment sub-rule, the payment sub-rule are used for: determining payment time and the payment amount of money of managed insurance transaction；
And/or
Duration of insurance sub-rule, the duration of insurance sub-rule are used for: whether what determining managed insurance was traded expires, and/or continues
Phase；And/or
Publicity sub-rule, the publicity sub-rule are used for: the management information of the insurance transaction managed to publicity, the management letter
Breath includes: payment information, Claims Resolution information duration of insurance information, and/or user credit information.
6. a kind of insurance traction processing apparatus, the device include:
Tactful determining module determines declaration form generation strategy corresponding with the insurance kind for the insurance kind according to target insurance transaction,
The declaration form generation strategy includes: that the insurance kind generates the declaration form dimension used when declaration form；
Declaration form checks module, for according to the declaration form generation strategy, check under the declaration form dimension whether the existing danger
The declaration form of kind；
Declaration form generation module, for generating the declaration form of the insurance kind under the declaration form dimension in the case where declaration form is not present,
And the management rule of the declaration form is generated according to the Transaction Information of target insurance transaction；
Policy Updates module, for being updated according to the Transaction Information of the target insurance transaction in the case where existing declaration form
The management rule of the declaration form, to be managed by the declaration form to target insurance transaction；
Wherein, the management rule is managed for each insurance transaction corresponding to declaration form.
7. device according to claim 6, the declaration form generation strategy, further includes:
The management dimension of the corresponding each insurance transaction of the generated declaration form of insurance kind.
8. device according to claim 7, the declaration form generation module, comprising:
Declaration form generation unit, for generating the declaration form of the insurance kind under the declaration form dimension；
Dimension determination unit, for determining the management dimension of the target insurance transaction according to the declaration form generation strategy；
Management group creating unit, for creating the corresponding management group of generated declaration form, the management according to identified management dimension
It include target insurance transaction in group；
Rule generating unit generates the management group rule of the management group for the Transaction Information according to target insurance transaction
It then, include the management group rule in the management rule of generated declaration form.
9. device according to claim 7, the Policy Updates module, comprising:
Dimension determination unit, for determining the management dimension of the target insurance transaction according to the declaration form generation strategy；
Management group inspection unit, for checking the declaration form under identified management dimension, if there are corresponding management groups；
Policy Updates unit, for the target being insured transaction, the management group, and root being added there are management group
The management group rule of the management group is updated according to the Transaction Information of target insurance transaction；
Rule generating unit, for it is corresponding to create the declaration form under the management dimension in the case where management group is not present
Management group generate the management group rule of the management group and according to the Transaction Information of target insurance transaction；
It wherein, include the management group rule in the management rule of the declaration form.
10. device according to claim 6, the management rule, comprising:
Payment sub-rule, the payment sub-rule are used for: determining payment time and the payment amount of money of managed insurance transaction；
And/or
Duration of insurance sub-rule, the duration of insurance sub-rule are used for: whether what determining managed insurance was traded expires, and/or continues
Phase；And/or
Publicity sub-rule, the publicity sub-rule are used for: the management information of the insurance transaction managed to publicity, the management letter
Breath includes: payment information, Claims Resolution information duration of insurance information, and/or user credit information.
11. a kind of computer equipment including memory, processor and stores the meter that can be run on a memory and on a processor
Calculation machine program, wherein the processor realizes such as method described in any one of claim 1 to 5 when executing described program.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811429305.9A CN110009507A (en) | 2018-11-27 | 2018-11-27 | A kind of insurance transaction processing method and device |
| TW108130770A TWI725527B (en) | 2018-11-27 | 2019-08-28 | Insurance transaction processing method and device |
| PCT/CN2019/107675 WO2020108051A1 (en) | 2018-11-27 | 2019-09-25 | Insurance transaction processing method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811429305.9A CN110009507A (en) | 2018-11-27 | 2018-11-27 | A kind of insurance transaction processing method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN110009507A true CN110009507A (en) | 2019-07-12 |
Family
ID=67165044
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201811429305.9A Pending CN110009507A (en) | 2018-11-27 | 2018-11-27 | A kind of insurance transaction processing method and device |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN110009507A (en) |
| TW (1) | TWI725527B (en) |
| WO (1) | WO2020108051A1 (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2020108051A1 (en) * | 2018-11-27 | 2020-06-04 | 阿里巴巴集团控股有限公司 | Insurance transaction processing method and device |
| CN111652748A (en) * | 2020-06-01 | 2020-09-11 | 泰康保险集团股份有限公司 | Insurance continuation method and device |
| CN111815466A (en) * | 2020-07-15 | 2020-10-23 | 前海人寿保险股份有限公司 | Transaction flow control method, apparatus, device and readable storage medium |
Family Cites Families (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US8015037B2 (en) * | 2008-07-01 | 2011-09-06 | Corelogic Information Solutions, Inc. | System and method for tracking, monitoring and reporting extinguishment of a title insurance policy |
| TW201019248A (en) * | 2008-11-03 | 2010-05-16 | Grandot Tech Inc | IP insurance-adjusting risk assessment management system and method |
| TWI451350B (en) * | 2008-12-03 | 2014-09-01 | Shacom Com Inc | Investment-based health and injury insurance |
| US8682698B2 (en) * | 2011-11-16 | 2014-03-25 | Hartford Fire Insurance Company | System and method for secure self registration with an insurance portal |
| JP6145724B1 (en) * | 2016-07-21 | 2017-06-14 | 加寿也 畑 | How to calculate insurance premiums using big data |
| TWI680427B (en) * | 2017-02-24 | 2019-12-21 | 富邦產物保險股份有限公司 | Risk assessment and insurance planning system and method for insurance of enterprise |
| CN108009883A (en) * | 2017-11-30 | 2018-05-08 | 泰康保险集团股份有限公司 | Method and device for order processing |
| CN107909495A (en) * | 2017-12-22 | 2018-04-13 | 泰康保险集团股份有限公司 | A kind of account checking method, system, medium, electronic equipment |
| CN108734589A (en) * | 2018-03-30 | 2018-11-02 | 北京有保无险科技有限公司 | A kind of internet Insurance User interface system based on user |
| CN108648088B (en) * | 2018-03-30 | 2023-06-20 | 平安科技（深圳）有限公司 | Method and device for determining insurance effective date, storage medium and server |
| CN110009507A (en) * | 2018-11-27 | 2019-07-12 | 阿里巴巴集团控股有限公司 | A kind of insurance transaction processing method and device |
-
2018
- 2018-11-27 CN CN201811429305.9A patent/CN110009507A/en active Pending
-
2019
- 2019-08-28 TW TW108130770A patent/TWI725527B/en active
- 2019-09-25 WO PCT/CN2019/107675 patent/WO2020108051A1/en not_active Ceased
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2020108051A1 (en) * | 2018-11-27 | 2020-06-04 | 阿里巴巴集团控股有限公司 | Insurance transaction processing method and device |
| CN111652748A (en) * | 2020-06-01 | 2020-09-11 | 泰康保险集团股份有限公司 | Insurance continuation method and device |
| CN111652748B (en) * | 2020-06-01 | 2023-09-29 | 泰康保险集团股份有限公司 | Insurance continuing method and apparatus |
| CN111815466A (en) * | 2020-07-15 | 2020-10-23 | 前海人寿保险股份有限公司 | Transaction flow control method, apparatus, device and readable storage medium |
Also Published As
| Publication number | Publication date |
|---|---|
| TW202032483A (en) | 2020-09-01 |
| TWI725527B (en) | 2021-04-21 |
| WO2020108051A1 (en) | 2020-06-04 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US12100025B2 (en) | Platform for management of user data | |
| US11682083B2 (en) | System and method for performing concurrent database operations on a database record | |
| KR20220013548A (en) | Systems, methods and storage devices comprising a data storage and retrieval system for managing data related to tokenized assets | |
| WO2020108048A1 (en) | Claim settlement processing method and apparatus | |
| US20140129363A1 (en) | Dynamic rating rules for an online marketplace | |
| JP7042637B2 (en) | Programs, information processing equipment, information processing methods and virtual currency trading systems | |
| US20200118207A1 (en) | Blockchain based invoice sales | |
| US20190362400A1 (en) | Digital content commerce management device, digital content commerce management method, and program | |
| US9330415B1 (en) | Personal savings plan | |
| AU2018277270A1 (en) | Smart contract for copy trading | |
| KR20120113975A (en) | System and method for distributing profit | |
| CN110009507A (en) | A kind of insurance transaction processing method and device | |
| CN110675259A (en) | Futures transaction data processing method and device based on block chain | |
| US11216813B1 (en) | Business-to-business netting | |
| JP6564118B1 (en) | Information processing apparatus, information processing method, and information processing program | |
| KR102317269B1 (en) | Method for allocating some parts of profits generated by securitization or tokenization of real estates to tenants and server using the same | |
| US10685342B2 (en) | Systems and methods for use in routing funds, associated with transactions, to direct-pay accounts | |
| JP7304761B2 (en) | Information processing device, information processing method and information processing program | |
| CN110349016A (en) | Client's accrediting amount measuring method and system | |
| JP6437500B2 (en) | Electronic money applicator | |
| US11200608B2 (en) | System and method for item and financial exchanges | |
| HK40010406A (en) | Insurance transaction processing method and device | |
| JP7684927B2 (en) | Information processing device, information processing method, and information processing program | |
| US20230153823A1 (en) | Systems and methods for rules-based transactions in a community | |
| Nwogugu | The Case Of Apple, Inc., And Fintech: Managerial Psychology, Corporate Governance And Business Processes. |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| REG | Reference to a national code |
Ref country code: HK Ref legal event code: DE Ref document number: 40010406 Country of ref document: HK |
|
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20190712 |
|
| RJ01 | Rejection of invention patent application after publication |