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Refund management method, device and storage medium

A management method and management device technology, applied in the field of medical insurance products, can solve problems such as reducing user experience and inability to realize refunds, and achieve the effect of improving user experience

Active Publication Date: 2021-10-22
CHINA PING AN LIFE INSURANCE CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

When using a third-party payment platform for payment, since there is no bank card information of the policyholder, if a refund occurs at this time, due to the lack of bank card information, the refund cannot be realized, which reduces the user experience

Method used

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  • Refund management method, device and storage medium
  • Refund management method, device and storage medium
  • Refund management method, device and storage medium

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Embodiment Construction

[0068] The present invention will be described in detail below in conjunction with various embodiments shown in the drawings. However, these embodiments do not limit the present invention, and structural or functional changes made by those skilled in the art according to these embodiments are included in the protection scope of the present invention.

[0069] Those skilled in the art know that the embodiments of the present invention can be implemented as a method, device, device, system or computer program product. Therefore, the present invention can be embodied as complete hardware, complete software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.

[0070] According to the embodiments of the present invention, a refund management method, device and storage medium are proposed.

[0071] refer to figure 1 As shown, it is a schematic diagram of the operating environment of the refund management device 100 according to the ...

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Abstract

The present invention provides a refund management method, which is applied to a refund management device, and the refund management device communicates with an external server and an internal server. The method includes the following steps: receiving a medical insurance product refund request sent by a sales platform , the sales platform runs on an external server or an internal server; according to the refund request, the policy information is obtained from the core system of the internal server; when the policy information does not contain bank card information, the sales platform or the core The system obtains the reconciliation area code of the medical insurance product; and obtains the account information of the corresponding third-party payment platform from the financial system of the internal server according to the above reconciliation area code, and controls the financial system to return the refund amount to the third-party payment platform in the account. The invention also provides a refund management device and a computer-readable storage medium.

Description

technical field [0001] The present invention relates to a medical insurance product, in particular to a refund management method, device and storage medium of the medical insurance product. Background technique [0002] With the development of technology, third-party payment platforms (WeChat, Alipay, etc.) are increasingly used for daily payments, which greatly improves user experience. In the payment of medical insurance products, third-party payment platforms are often used for payment. The difference between this payment method and the traditional payment method is that it does not have bank card information. The regulatory requirements of the financial industry stipulate that the same bank card entry and exit requirements should be met when refunding. When using a third-party payment platform for payment, since there is no bank card information of the policyholder, if a refund occurs at this time, due to the lack of bank card information, the refund cannot be realized...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/02G06Q40/08
CPCG06Q20/023G06Q40/08
Inventor 潘学瑾
Owner CHINA PING AN LIFE INSURANCE CO LTD
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