New contract underwriting method and system for insurance product

Abstract

The invention discloses a new contract underwriting method and system for an insurance product, and the method comprises the steps: obtaining an issuing voucher for purchasing a target insurance product for an insured object from a core system after an insurance request of any sales front-end system is received, and when the issuing voucher does not exist on the core system, carrying out the buying of the target insurance product for the insured object; calling the core system to execute an underwriting operation, and generating an issuing voucher after the underwriting operation is successfully executed; or when the signed and issued voucher exists on the core system and the signed and issued voucher is marked as a used state, preventing the fund system from executing the charging operation of the insurance request; or when the signed and issued voucher exists on the core system and the signed and issued voucher is not marked as the used state, calling the fund system to execute the charging operation of the insurance request, and after the charging operation is executed once, calling the core system to mark the signed and issued voucher as the used state. According to the invention, the problem of repeated charging of new contract insurance for the same insured object and the same insurance product by a fund system can be avoided.

Description

Technical field[0001]The present invention relates to the field of computers and Internet, in particular to a new contractual underwriting method and system for insurance products.Background technique[0002]This section is intended to provide background or context of the embodiments of the present invention described in the claims. The description herein is not because it is recognized in this section.[0003]As people's insurance consciousness increases, increasing customers buy insurance products for themselves or their families. Usually the policy is divided into renewal warrants and new contractual policy, and the new contractual policy refers to the insurance contract for the initial signing.[0004]figure 1 It shows a new contract insurance process for an existing insurance product, such asfigure 1 As shown, when the insured customer performs the insured operation in the page before the sales system, select the insurance product to purchase, enter the customer insured and the insur...

AI Technical Summary

Problems solved by technology

[0007] An embodiment of the present invention provides a new contract underwriting method for insurance products, which is used to solve the problem of purchasing the same insurance for the same insured object from different sales front-end systems when the existing insurance product insurance business system executes the new contract underwriting process. Due to the technical problem of repeated charges due to successful underwriting of insurance applications for products, this method can be applied to the sales front-end system of any sales target insurance product, specifically including: receiving an insurance application request, wherein the insurance application request includes: the insured object’s Customer information and product information for purchasing the target insurance product for the insured; according to the received insurance request, obtain the issuance certificate for purchasing the target insurance product for the insured from the core system; when there is no issuance certificate on the core system , call the core system to perform the underwriting operation, and generate the issuing voucher after the underwriting operation is successfully executed, wherein the issuing voucher is marked as used after a charging operation is performed; when the issuing voucher exists on the core system and the issuing voucher is When it is marked as used, prevent the fund system from performing the charging operation of the insurance request; when there is an issuing certificate on the core system and the issuing certificate is not marked as used, call the fund system to perform the charging operation of the insurance request , and call the core system to mark the issued certificate as used

[0008] The embodiment of the present invention also provides a new contract underwriting system for insurance products, which is used to solve the problem of purchasing the same insured object from different sales front-end systems when the existing insurance product insurance business system executes the new contract underwriting process. The insurance application requests for insurance products are all successfully underwritten, resulting in repeated charges. The system includes: multiple sales front-end systems, core systems, and capital systems; among them, the sales front-end system is used to receive insurance application requests. Including: the customer information of the insured object and the product information for purchasing insurance products for the insured object; the core system is used to perform the underwriting operation and generate the issuance certificate for the insured object to purchase insurance products after the underwriting operation is successfully executed; funds The system is used to perform the charging operation of the insurance request; among them, the sales front-end system is also used to obtain the issuance certificate of purchasing the target insurance product for the insured object from the core system, and when the issuance certificate does not exist on the core system, call the core The system executes the underwriting operation, and generates the issuance certificate after the underwriting operation is successfully executed; or, when the issuance certificate exists on the core system and the issuance certificate is marked as used, the fund system is prevented from performing the charging operation of the insurance application request ;or, when there is an issuing certificate on the core system and the issuing certificate is not marked as used, call the fund system to perform the charging operation of the insurance request, and after performing a charging operation, call the core system to mark the issuing certificate used status

[0009] The embodiment of the present invention also provides a computer device, which is used to solve the problem of purchasing the same insurance product for the same insured object from different sales front-end systems when the existing insurance product insurance business system executes the new contract underwriting process The technical problem of repeated charges due to the success of both underwriting. The computer equipment includes a memory, a processor, and a computer program stored on the memory and capable of running on the processor. When the processor executes the computer program, the new contract underwriting of the above-mentioned insurance products is realized. method

Images