An information processing method for insurance reduction service and a terminal

Abstract

The invention is applicable to the field of computer technology, and provides an information processing method for insurance reduction service and a terminal, the method comprising the following steps: obtaining a short-term insurance reduction request, wherein the short-term insurance reduction request includes the policy identification of the policy to which the short-term insurance for insurance reduction belongs, the date of reduction and the number of copies of the reduction; obtaining the information of the policy according to the policy identification contained in the short-term insurance reduction request; when the number of deducted copies is less than the number of copies insured and the deducted date is within the insurance period, calculating the cash value of the policy according to the information of the policy, the deducted date and the deducted copies; returning the same amount as the cash value of the policy to the user collection account. The invention can reduce theshort-term insurances; when the user wants to reduce the number of copies of the same type of short-term insurance, the user does not need to repurchase the short-term insurance after surrendering theinsurance, and the terminal does not need to process the service data generated after repurchasing the short-term insurance after surrendering the insurance, thereby lightening the data processing load of the terminal and improving the data processing efficiency of the terminal.

Description

technical field [0001] The invention belongs to the technical field of computers, and in particular relates to an information processing method and a terminal of insurance reduction business. Background technique [0002] After purchasing insurance, the user may withdraw the insurance due to various reasons, and the policy management system can calculate the surrender amount based on the policy information. However, for short-term insurance with an insurance period of less than or equal to one year, the policy management system cannot handle the request for reduction of short-term insurance, and the user cannot return part of the purchased short-term insurance of the same type of insurance to reduce the short-term insurance score held. Meet customer needs in a timely manner. [0003] For example, after a user has purchased at least two short-term insurances of the same type and the current time exceeds the hesitation period, if the user wants to reduce the number of short-t...

AI Technical Summary

Problems solved by technology

[0004] In view of this, the embodiment of the present invention provides an information processing method and terminal for insurance reduction business, so as to solve the problem in the prior art that the policy management system cannot handle short-term insurance reduction requests. When the number of copies of short-term insurance is different, the user needs to withdraw the policy and then re-purchase the short-term insurance, which increases the data processing load of the insurance management system

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