Fund data processing method and device
A data processing and capital technology, applied in the field of data processing, can solve the problems of low security of funds, high complexity, and inability to recover advanced funds.
Pending Publication Date: 2022-03-29
中金同盛商业保理有限公司
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Problems solved by technology
[0003] After the third-party organization advances the funds for the insured or the beneficiary, if the insured or the beneficiary does not take the initiative to repay the advance funds advanced by the third-party organization after receiving the insurance company's compensation amount, the third-party organization needs to pay the insured The insurer or the beneficiary recovers the advanced funds, which is complicated, and it is easy to find that the advanced funds cannot be recovered, making the funds less secure
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[0062] The inventor of the present application has found through research that: after a third-party advance payment organization advances some funds related to insurance claims for an insured customer, if an insurance company or other insurance institution pays the claim settlement money to the customer and the customer does not take the initiative to repay the payment, then it is necessary Third-party advance payment institutions frequently pursue advanced payment funds, and there are often situations where advance payment funds cannot be recovered, resulting in low security of funds.
[0063] However, if the insurance institution directly pays the payment to a third-party advance payment institution, it does not comply with some insurance clauses. For example, in some medical insurance, the insurance contract generally stipulates that the insurance claim payment needs to be paid directly to the insured or the beneficiary. Therefore, The insurance institution cannot first tran...
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According to the fund data processing method and device provided by the invention, in the scheme, after a third-party advance payment mechanism carries out advance payment on a target customer, a factoring service platform can apply for the advance payment. As the target customer is the customer that the factoring service platform is authorized by the payment institution platform to deduct the advance fund from the claim amount of the target customer, after the payment institution platform obtains the insurance claim fund paid to the target customer by the insurance institution, the factoring service platform can initiate an advance withholding application to the payment institution platform; therefore, the payment institution platform can deduct the fund of the target amount corresponding to the advance fund from the insurance claim settlement fund of the target customer and transfer the fund into the factoring service platform, so that the factoring service platform can obtain the return money corresponding to the advance fund. The situation that the third-party advance payment institution obtains the return money in a mode of resuming the advance payment fund from the client is avoided, the complexity of recovering the advance payment fund is reduced, and the safety of the fund is also improved.
Description
technical field [0001] The present application relates to the technical field of data processing, in particular to a fund data processing method and device. Background technique [0002] In the process of medical insurance claims, there are often situations where a third-party agency first advances the expenses for the insured or beneficiary, and after the insurance company pays the insured or beneficiary the amount of compensation, the insured or beneficiary The person shall return the advance funds advanced by the third-party institution. [0003] After the third-party organization advances the funds for the insured or the beneficiary, if the insured or the beneficiary does not take the initiative to repay the advance funds advanced by the third-party organization after receiving the insurance company's compensation amount, the third-party organization needs to pay the insured The insurer or beneficiary's recovery of advance funds is relatively complicated, and it is easy...
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IPC IPC(8): G06Q20/08G06Q20/40G06Q40/08
CPCG06Q20/0855G06Q20/4014G06Q20/40145G06Q20/407G06Q40/08
Inventor 翟宁汪中潘圣烨曹从强胡胜琦袁锡湖陈鹭洋
Owner 中金同盛商业保理有限公司